Civic Intelligence

National Mutual Benefit

990 • Fiscal year 2017 • EIN 39-0494090

Jan 01, 2017 to Dec 31, 2017 • Filed on May 11, 2018

6522 Grand Teton PlazaMadison, WI 53719-2912

(608) 833-1936

Siviq Scores

Precomputed percentiles for this filing year versus similar nonprofits in the same peer cohort.

Liabilities / Assets

86th percentile

0.90x

Higher debt load relative to assets than 86% of similar nonprofits.

2017 filings • $250M-$1B nonprofits • Source year 2017

Liabilities / Revenue

86th percentile

8.23x

Higher debt load relative to revenue than 86% of similar nonprofits.

2017 filings • $250M-$1B nonprofits • Source year 2017

Net Margin

13th percentile

-4.8%

Higher net margin than 13% of similar nonprofits.

2017 filings • $250M-$1B nonprofits • Source year 2017

Top Officer Pay

31st percentile

$417,141

Higher top officer pay than 31% of similar nonprofits.

Top officer pay equals 1.1% of source-year revenue.

2017 filings • $250M-$1B nonprofits • Source year 2017

Asset Growth

24th percentile

1.7%

Faster asset growth than 24% of similar nonprofits.

2017 filings • $250M-$1B nonprofits • Annualized from 2016 to 2017

Revenue Growth

28th percentile

1.0%

Faster revenue growth than 28% of similar nonprofits.

2017 filings • $250M-$1B nonprofits • Annualized from 2016 to 2017

Assets

Up

$343,641,412

Up $5,708,332 (+1.7%) from 2016

Net Assets

Down

$35,363,064

Down $468,370 (-1.3%) from 2016

Liabilities

Up

$308,278,348

Up $6,176,702 (+2.0%) from 2016

Revenue

Up

$37,441,954

Up $355,384 (+1.0%) from 2016

Expenses

Up

$39,224,535

Up $2,423,975 (+6.6%) from 2016

Net Income

Down

-$1,782,581

Down $2,068,591 (-723%) from 2016

Historical Trend

Balance Sheet Trend

The highlighted filing sits inside the broader history for assets, liabilities, and net assets.

$400M$300M$200M$100M$0Assets 2010: $277,768,734Liabilities 2010: $251,515,104Net Assets 2010: $26,253,6302010Assets 2011: $295,369,899Liabilities 2011: $268,349,604Net Assets 2011: $27,020,2952011Assets 2012: $308,378,728Liabilities 2012: $280,373,579Net Assets 2012: $28,005,1492012Assets 2013: $318,746,371Liabilities 2013: $286,444,065Net Assets 2013: $32,302,3062013Assets 2014: $326,851,278Liabilities 2014: $292,695,226Net Assets 2014: $34,156,0522014Assets 2015: $332,156,687Liabilities 2015: $297,654,351Net Assets 2015: $34,502,3362015Assets 2016: $337,933,080Liabilities 2016: $302,101,646Net Assets 2016: $35,831,4342016Assets 2017: $343,641,412Liabilities 2017: $308,278,348Net Assets 2017: $35,363,0642017Assets 2018: $342,336,050Liabilities 2018: $307,303,255Net Assets 2018: $35,032,7952018Assets 2019: $344,960,028Liabilities 2019: $307,487,196Net Assets 2019: $37,472,8322019Assets 2020: $0Liabilities 2020: $0Net Assets 2020: $02020

Highlighted filing

2017

Assets$343,641,412
Liabilities$308,278,348
Net Assets$35,363,064

Operations Trend

Revenue, expenses, and net income across loaded years, with this filing highlighted.

$60M$40M$20M$0-$20MExpenses 2010: $44,051,1432010Expenses 2011: $47,065,7522011Expenses 2012: $41,032,5552012Revenue 2013: $38,634,202Expenses 2013: $35,819,040Net Income 2013: $2,815,1622013Revenue 2014: $38,557,706Expenses 2014: $36,975,543Net Income 2014: $1,582,1632014Revenue 2015: $37,032,573Expenses 2015: $35,004,924Net Income 2015: $2,027,6492015Revenue 2016: $37,086,570Expenses 2016: $36,800,560Net Income 2016: $286,0102016Revenue 2017: $37,441,954Expenses 2017: $39,224,535Net Income 2017: -$1,782,5812017Revenue 2018: $37,820,673Expenses 2018: $36,028,952Net Income 2018: $1,791,7212018Revenue 2019: $36,172,507Expenses 2019: $35,733,683Net Income 2019: $438,8242019Revenue 2020: $36,708,977Expenses 2020: $38,443,654Net Income 2020: -$1,734,6772020

Highlighted filing

2017

Revenue$37,441,954
Expenses$39,224,535
Net Income-$1,782,581
Jump To
Filing Snapshot
Filing Period
Jan 1, 2017 to Dec 31, 2017
Signed
May 11, 2018
Return Version
2017v2.0
Gross Receipts
$37,441,954
Mission and Program Overview

Mission

Fraternal Benefit Society - As a fraternal benefit insurance society, our mission is to provide meaningful fraternal programs and benefits for our members as well as high quality insurance products and services. We strengthen our members fraternally through charitable, educational and volunteer programs that encourage family values, help improve communities, support patriotism for our country and help others in need.

Balance Sheet Detail
LineBeginningEndChange
Assets
Investments Program Related$332,507,484$337,969,836▲ $5,462,352
Rtn Earn Endowment Incm Other Fnds$35,831,434$35,363,064▼ $468,370
Land, Buildings, and Equipment, Net$719,209$739,028▲ $19,819
Savings and Temporary Cash Investments$0$0→ $0
Accounts Receivable$0$0→ $0
Other Notes and Loans Receivable, Net$0$0→ $0
Pledges and Grants Receivable$0$0→ $0
Receivable From Disqualified Prsn$0$0→ $0
Receivables From Officers Etc$0$0→ $0
Investments Other Securities$0$0→ $0
Investments in Publicly Traded Securities$0$0→ $0
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Intangible Assets$0$0→ $0
Inventories for Sale or Use$0$0→ $0
Loans From Officers Directors$0--
Prepaid Expenses and Deferred Charges$0$0→ $0
Cash and Non-Interest-Bearing Accounts$-385,233$-152,230▲ $233,003
Total Assets$337,933,080$343,641,412▲ $5,708,332
Other Assets Total$5,091,620$5,084,778▼ $6,842
Liabilities
Other Liabilities$301,442,204$307,628,395▲ $6,186,191
Accounts Payable and Accrued Expenses$570,023$560,990▼ $9,033
Escrow Account Liability$74,966$72,893▼ $2,073
Deferred Revenue$14,453$16,070▲ $1,617
Grants Payable$0$0→ $0
Mortgage Notes Payable Secured by Investment Property$0$0→ $0
Unsecured Notes Loans Payable$0$0→ $0
Tax Exempt Bond Liabilities$0$0→ $0
Total Liabilities$302,101,646$308,278,348▲ $6,176,702
Net Assets / Fund Balance
Total Net Assets Fund Balance$35,831,434$35,363,064▼ $468,370
Total Liabilities and Net Assets / Fund Balance$337,933,080$343,641,412▲ $5,708,332

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$263,028$1,669,875$1,932,903
Land$476,000-$476,000
Investment Program Related Org$3,724,172--
Other Land Buildings$0$0$0
Equipment$0$0$0
Leasehold Improvements$0$0$0
Compensation and Service Providers

Employees

NameTitleFull / Part TimeBaseOtherTotal
George F YannaPresident/Director EmeritusPT$255,460$163,641$419,101
Steven G ReindlSecretary/Vice President - OperationsFT$184,625$86,627$271,252
Eric D GarlandVice President - MarketingFT$143,875$61,809$205,684
Daniel L ShinnickPresident/CEOFT$146,820$23,310$170,130
Anne D RogersVice President - FraternalFT$106,159$60,015$166,174
Jenna M DunkerTreasurerFT$104,775$24,571$129,346
John T McHugh JrIndependent Director-$50,390-$50,390
Thomas R JohnsonIndependent Director-$49,865-$49,865
Maureen A O'Hern HahnIndependent Director-$49,340-$49,340
Nancy Nelson HeykesIndependent Director-$48,815-$48,815
John E RashkeFormer Director-$34,625$34,625$34,625

Highest Paid Contractors

ContractorServicesLocationCompensation
Prime Advisors IncTechnology280 Park Ave, 38th Floor, New York, NY 10017$880,101
Griffith Ballard & CompanyBond Investment Managers22635 NE Marketplace Dr, Ste 160, Redmond, WA 98053$464,783
-Actuarial Consultants100 1st Ave NE, Ste 117, Cedar Rapids, IA 52401$140,718
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$37,441,954
Investment Income
$0
Other Revenue
$0
Change in Net Assets
$-1,782,581

Audited Revenue Reconciliation

Revenue per Audited Statements
$36,262,919
Revenue Not Reported on Financial Statements
$1,179,035
Revenue Not Reported on Form 990
$1,314,212
Other Revenue Adjustments
$0
Total Revenue per Audited Statements
$37,577,131
Total Revenue per Form 990
$37,441,954
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$6,363,227
Salaries, Compensation, and Employee Benefits$5,627,751
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Benefits to Members---$27,233,557
Other Salaries and Wages---$2,669,279
Current Officers, Directors, Trustees, and Key Employees---$1,561,295
Office Expenses---$821,319
Other Employee Benefits---$816,125
Information Technology---$556,296
Fees for Service Investment Mgmnt Fees---$549,997
All Other Expenses---$426,447
Other Expenses---$362,510
Occupancy---$350,004
Payroll Taxes---$339,655
Pension Plan Contributions---$241,397
Fees for Services Accounting---$215,906
Depreciation Depletion---$174,018
Travel---$170,284
Fees for Services Other---$119,114
Insurance---$75,679
Conferences and Meetings---$69,905
Advertising---$62,014
Fees for Services Legal---$27,062
Total Functional Expenses$0$0$0$39,224,535

Audited Expense Reconciliation

Line ItemAmount
Total Expenses per Form 990$39,224,535
Expenses per Audited Statements$38,045,500
Total Expenses per Audited Statements$38,045,500
Expenses Not Reported on Financial Statements$1,179,035
Expenses Not Reported on Form 990$0
Other Expense Adjustments$0
International Activity

International Summary

Offices
0
Employees
0
Spending
$32,831,178

International Compliance

Activity in boycott countries
No
Foreign corporation ownership
No
Foreign partnership interest
No
Interest in foreign trust
No
Passive foreign investment company interest
No
Transfers to foreign corporations
No

International Activities

RegionActivityServicesOfficesEmployeesSpending
Europe (including Iceland and Greenland)Investments---$16,217,304
East Asia and the PacificInvestments---$9,614,606
North America (including Canada and Mexico, but not the United States)Investments---$5,576,396
Central America and the CaribbeanInvestments---$1,422,872
Fundraising, Events, and Gaming
Fundraising activities
No
Gaming activities
No
Professional fundraiser used
No

Fundraising and Gaming Totals

Line ItemAmount
Professional Fundraising Fees$0
Political and Lobbying Activity
Political campaign activity
No
Subject to proxy tax
No
Insider Transactions and Loans

Loans and Receivables

Line ItemBeginningEndChange
Loans from Officers, Directors, Trustees, and Key Employees$0--
Receivables from Disqualified Persons$0$0→ $0
Receivables from Officers, Directors, Trustees, and Key Employees$0$0→ $0
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Reserves - Life, Annuity, A&H$280,033,472
Liability for Deposit-Type Contracts$10,802,661
Post-Retirement Benefit Reserve$6,232,711
Asset Valuation Reserve$4,134,762
Deferred Compensation Reserve$3,094,278
Contract Claims Life & A&H$1,922,931
Interest Maintenance Reserve$553,567
Refund Payable - Not yet Apportioned$442,365
Escheat Items$199,685
Remittances & Items Not Allocated$130,939
Fieldworker Creditor Balances$81,024
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
Yes
Audit committee
Yes
Backup withholding compliance
Yes
Business relationship with family members
No
Business relationship with organization members
No
Material changes to governing documents
No
Compensation from other sources disclosed
No
CEO compensation reviewed
Yes
Other officer compensation reviewed
Yes
Conflict-of-interest policy
Yes
Audited financial statements prepared
No
Key decisions subject to board approval
No
Management duties delegated
No

Governance Explanations

Form 990, Part VI, Section A, Line 6

National Mutual Benefit is a mutual fraternal benefit insurance society and is therefore owned by its policyholder members.

Form 990, Part VI, Section A, Line 7A

National Mutual Benefit's members elect the four independent directors every four years.

Form 990, Part VI, Section A, Line 9

Form 990, Part VI, Section A, Line 9 - Nancy Nelson Heykes PO Box 6, Hazelhurst, WI 54531; Thomas R Johnson 2800 Marledge St, Madison, WI 53711; John T McHugh Jr. 5702 State Hwy 71, Sparta, WI 54656; Maureen O'Hern Hahn 4 Meadowbrook Lane, Appleton, WI 54914; John E Rashke 7670 Moraine Ridge Road, Verona, WI 53593; George Yanna 1243 Gateway Pass, Verona, WI 53593

Form 990, Part VI, Section B, Line 11B

The accounting department completed the Form 990 and gave a copy to the Treasurer to review. Following the Treasurer review, the President and Secretary/Vice President of Operations were given copies to review. The completed 990 was then emailed to the four independent directors for their review.

Form 990, Part VI, Section B, Line 12C

Conflict of interest questionnaires are required from all officers, directors and key employees annually stating any conflict they may have. If there are any stated, the governing body determines any needed action.

Form 990, Part VI, Section B, Line 15

A board appointed compensation committee annually reviews the compensation of the CEO along with the other officers of the organization. Outside salary surveys of similar fraternal benefit societies, data concerning similar positions in the area, the performance and financial status of the society, general cost of living/inflation increases, and general economic conditions are taken into consideration. The recommendations of the compensation committee are then considered by the full board of directors and are either approved or modified. Information regarding the positions to which this process applies and the latest review periods follow: President/CEO - 6/2017, Secretary/Vice President of Operations - 8/2017, Treasurer - 6/2017, Vice President of Fraternal - 6/2017, Vice President of Marketing - 6/2017.

Form 990, Part VI, Section C, Line 19

The governing documents are filed with our state of domicile (Wisconsin) when any changes are made, published periodically in our official publication "The Benefit News" and available upon request. The financial statements are published annually in "The Benefit News" and are filed quarterly with the NAIC and with the states that require them. The conflict of interest policy is available upon request.

Filing and Contact Details

Filer

Filer Name
National Mutual Benefit
EIN
39-0494090
Phone
6088331936
Address
6522 Grand Teton Plaza, Madison, WI 53719-2912

Signing Officer

Name
Jenna Dunker
Title
Treasurer
Phone
6088331936
Signed
2018-05-11

Organization Details

Principal Officer
Daniel L Shinnick
Formed
1916
Legal Domicile
Wi
Voting Board Members
5
Independent Board Members
4
Employees
108
Volunteers
18,673
Supplemental Narrative

Financial Statement Notes

Schedule D, Part IV, Line 2B

In 2017, National Mutual Benefit held money in escrow on behalf of the Society's mortgagors for the payment of their property taxes and insurance. In addition, branch funds obtained by closing unused branch bank accounts are held by the Society until new branches are established in those areas and the funds can be deposited into new bank accounts.

Raw XML AppendixShowing 400 of 734 raw XML fields

This appendix keeps the raw XML leaves available for debugging and edge-case review. The human report above is the primary experience.

Path#Value
IRS990/AccountantCompileOrReviewInd00
IRS990/AccountsPayableAccrExpnssGrp/BOYAmt0570023
IRS990/AccountsPayableAccrExpnssGrp/EOYAmt0560990
IRS990/AccountsReceivableGrp/BOYAmt00
IRS990/AccountsReceivableGrp/EOYAmt00
IRS990/ActivitiesConductedPrtshpInd00
IRS990/ActivityOrMissionDesc0Fraternal Benefit Society - As a fraternal benefit insurance society, our mission is to provide meaningful fraternal programs and benefits for our members as well as high quality insurance products and services. We strengthen our members fraternally through charitable, educational and volunteer programs that encourage family values, help improve communities, support patriotism for our country and help others in need.
IRS990/AdvertisingGrp/TotalAmt062014
IRS990/AllOtherExpensesGrp/TotalAmt0426447
IRS990/AnnualDisclosureCoveredPrsnInd01
IRS990/AuditCommitteeInd01
IRS990/BackupWthldComplianceInd01
IRS990/BenefitsToMembersGrp/TotalAmt027233557
IRS990/BooksInCareOfDetail/PersonNm0Steven G Reindl
IRS990/BooksInCareOfDetail/PhoneNum06088331936
IRS990/BooksInCareOfDetail/USAddress/AddressLine1Txt06522 Grand Teton Plaza
IRS990/BooksInCareOfDetail/USAddress/CityNm0Madison
IRS990/BooksInCareOfDetail/USAddress/StateAbbreviationCd0WI
IRS990/BooksInCareOfDetail/USAddress/ZIPCd0537192912
IRS990/BusinessRlnWithFamMemInd00
IRS990/BusinessRlnWithOfficerEntInd00
IRS990/BusinessRlnWithOrgMemInd00
IRS990/CapStkTrPrinCurrentFundsGrp/BOYAmt00
IRS990/CapStkTrPrinCurrentFundsGrp/EOYAmt00
IRS990/CashNonInterestBearingGrp/BOYAmt0-385233
IRS990/CashNonInterestBearingGrp/EOYAmt0-152230
IRS990/ChangeToOrgDocumentsInd00
IRS990/CntrctRcvdGreaterThan100KCnt03
IRS990/CollectionsOfArtInd00
IRS990/CompCurrentOfcrDirectorsGrp/TotalAmt01561295
IRS990/CompDisqualPersonsGrp/TotalAmt00
IRS990/CompensationFromOtherSrcsInd00
IRS990/CompensationProcessCEOInd01
IRS990/CompensationProcessOtherInd01
IRS990/ConferencesMeetingsGrp/TotalAmt069905
IRS990/ConflictOfInterestPolicyInd01
IRS990/ConservationEasementsInd00
IRS990/ConsolidatedAuditFinclStmtInd00
IRS990/ContractorCompensationGrp/CompensationAmt0880101
IRS990/ContractorCompensationGrp/CompensationAmt1464783
IRS990/ContractorCompensationGrp/CompensationAmt2140718
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/AddressLine1Txt0280 Park Ave
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/AddressLine1Txt122635 NE Marketplace Dr
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/AddressLine1Txt2100 1st Ave NE
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/AddressLine2Txt038th Floor
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/AddressLine2Txt1Ste 160
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/AddressLine2Txt2Ste 117
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/CityNm0New York
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/CityNm1Redmond
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/CityNm2Cedar Rapids
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/StateAbbreviationCd0NY
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/StateAbbreviationCd1WA
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/StateAbbreviationCd2IA
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/ZIPCd010017
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/ZIPCd198053
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/ZIPCd252401
IRS990/ContractorCompensationGrp/ContractorName/BusinessName/BusinessNameLine1Txt0Prime Advisors Inc
IRS990/ContractorCompensationGrp/ContractorName/BusinessName/BusinessNameLine1Txt1Griffith Ballard & Company
IRS990/ContractorCompensationGrp/ContractorName/PersonNm0EXL Service Holdings Inc
IRS990/ContractorCompensationGrp/ServicesDesc0Technology
IRS990/ContractorCompensationGrp/ServicesDesc1Bond Investment Managers
IRS990/ContractorCompensationGrp/ServicesDesc2Actuarial Consultants
IRS990/CreditCounselingInd01
IRS990/CYBenefitsPaidToMembersAmt027233557
IRS990/CYContributionsGrantsAmt00
IRS990/CYGrantsAndSimilarPaidAmt00
IRS990/CYInvestmentIncomeAmt00
IRS990/CYOtherExpensesAmt06363227
IRS990/CYOtherRevenueAmt00
IRS990/CYProgramServiceRevenueAmt037441954
IRS990/CYRevenuesLessExpensesAmt0-1782581
IRS990/CYSalariesCompEmpBnftPaidAmt05627751
IRS990/CYTotalExpensesAmt039224535
IRS990/CYTotalFundraisingExpenseAmt00
IRS990/CYTotalProfFndrsngExpnsAmt00
IRS990/CYTotalRevenueAmt037441954
IRS990/DecisionsSubjectToApprovaInd00
IRS990/DeductibleArtContributionInd00
IRS990/DeductibleNonCashContriInd00
IRS990/DeferredRevenueGrp/BOYAmt014453
IRS990/DeferredRevenueGrp/EOYAmt016070
IRS990/DelegationOfMgmtDutiesInd00
IRS990/DepreciationDepletionGrp/TotalAmt0174018
IRS990/Desc0FRATERNAL ACTVITIES AND PROGRAMS - The following is a report of expenditures, activities and programs of National Mutual Benefit and its branches completed in 2017 in fulfillment of the Society's fraternal character: 1. National Office Branch Support: Subsidies are sent to fraternal branches on a quarterly basis, based on the number of members in a geographic area. Payments range from $100 - $600 per quarter for 40 branches. Incentive cash awards for volunteer activity are presented in addition to quarterly payments. Total amount of payments: $55,250 2. The Community Benefit program offers additional grants to branches for service projects organized by NMB members to help people with basic needs. NMB members are actively involved in organizing activities that impact: scholarship programs, blood donation drives, fire and police departments, city and county parks, crime prevention programs, food pantries, schools, homeless shelters, senior citizens, and children, essay, photo and coloring contests, book and school supply drives, after-school activities, i.e. post-prom parties, and service projects. The Society also makes annual donations to community organizations that assist youth and families. Local branch activities provide financial resources for local libraries, school literacy programs, and safety programs. Events: 200, Volunteer Hours: 25,106, Total amount of payments: $101,383, Local Scholarships: $9,185 3. The Matching Funds program offers grants to branches when sponsoring a fundraiser benefit for a member or non-member in dire financial need due to illness, accident or disaster. Funds raised locally by branches are then matched up to $2,500 per recipient by the Society. Each branch can apply for up to $7,500 per year. Hours and events for Matching Funds Benefit fundraisers are included here, as well as fundraisers held by branches not utilizing matching funds. Events: 44, Volunteer Hours: 25,344, Branches raised: $250,682, NMB matched: $57,609, Total Disbursed: $308,291 4. Family activities that create positive family life and strengthen families by bringing them together for free or subsidized events, i.e. movies, dinners, bowling, bike rides, sporting events, water park outings, etc. These activities include members and nonmembers alike. Events: 64, Volunteer Hours: 8,165, Payments: $15,408 5. Educational leadership opportunities: Regional fraternal leadership seminars are held for training and motivating member volunteers and representatives to organize successful outreach programs for fellow members and their communities. Events: 2 Regional, Hours: 5,623, Payments: $85,195 6. Patriotic programs and activities are encouraged nationally and through the branches, such as organizing annual Flag Day observances, American flag donations to local schools and support of programs to improve quality of life for active troops and veterans. Events: 28, Volunteer Hours: 1,218, Payments: $3,379 7. Fraternal support includes activity by members that maintains the branch as a unit; includes events that assist in the development of the branch such as business meetings, committee work, record keeping, and the organization of activities for members and their families, along with printing and mailing of flyers & posters to membership for fundraisers, service projects, family & patriotic events. Events: 169, Hours: 1,783, Payments: $73,254 8. Fraternal Services support includes other activity and resources to implement and oversee its national fraternal mission. Payments: $156,560 9. Stony Hill School, Fredonia, Wisconsin. National Mutual Benefit has adopted this one-room schoolhouse recognized on the National Register of Historic Places as the birthplace of National Flag Day. The Society underwrites upkeep of Stony Hill School and its educational programs. Events: 27, Volunteer Hours: 157, Payments: $0, Also in-kind services: Design/Printing 10. FRATERNAL BENEFIT PROGRAM: Members are eligible for these non-contractual fraternal benef
IRS990/DescribedInSection501c3Ind00
IRS990/DisregardedEntityInd00
IRS990/DocumentRetentionPolicyInd00
IRS990/DonatedServicesAndUseFcltsAmt00
IRS990/DonorAdvisedFundInd00
IRS990/ElectionOfBoardMembersInd01
IRS990/EmployeeCnt0108
IRS990/EmploymentTaxReturnsFiledInd01
IRS990/EscrowAccountLiabilityGrp/BOYAmt074966
IRS990/EscrowAccountLiabilityGrp/EOYAmt072893
IRS990/ExpenseAmt01160025
IRS990/FamilyOrBusinessRlnInd00
IRS990/FederalGrantAuditRequiredInd00
IRS990/FeesForServicesAccountingGrp/TotalAmt0215906
IRS990/FeesForServicesLegalGrp/TotalAmt027062
IRS990/FeesForServicesLobbyingGrp/TotalAmt00
IRS990/FeesForServicesManagementGrp/TotalAmt00
IRS990/FeesForServicesOtherGrp/TotalAmt0119114
IRS990/FeesForServicesProfFundraising/TotalAmt00
IRS990/FeesForSrvcInvstMgmntFeesGrp/TotalAmt0549997
IRS990/ForeignActivitiesInd01
IRS990/ForeignFinancialAccountInd00
IRS990/ForeignGrantsGrp/TotalAmt00
IRS990/ForeignOfficeInd00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt10
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt20
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt30
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt40
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt50
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt60
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt70.5
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt80
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt90.25
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt100
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt03
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt13
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt23
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt33
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt440
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt528
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt640
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt740
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt840
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt940
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt100
IRS990/Form990PartVIISectionAGrp/FormerOfcrDirectorTrusteeInd0X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd0X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd1X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd2X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd3X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd4X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd5X
IRS990/Form990PartVIISectionAGrp/OfficerInd0X
IRS990/Form990PartVIISectionAGrp/OfficerInd1X
IRS990/Form990PartVIISectionAGrp/OfficerInd2X
IRS990/Form990PartVIISectionAGrp/OfficerInd3X
IRS990/Form990PartVIISectionAGrp/OfficerInd4X
IRS990/Form990PartVIISectionAGrp/OfficerInd5X
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt00
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt10
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt20
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt30
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt423310
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt571383
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt668536
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt724571
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt853209
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt941817
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt100
IRS990/Form990PartVIISectionAGrp/PersonNm0Thomas R Johnson
IRS990/Form990PartVIISectionAGrp/PersonNm1Nancy Nelson Heykes
IRS990/Form990PartVIISectionAGrp/PersonNm2Maureen A O'Hern Hahn
IRS990/Form990PartVIISectionAGrp/PersonNm3John T McHugh Jr
IRS990/Form990PartVIISectionAGrp/PersonNm4Daniel L Shinnick
IRS990/Form990PartVIISectionAGrp/PersonNm5George F Yanna
IRS990/Form990PartVIISectionAGrp/PersonNm6Steven G Reindl
IRS990/Form990PartVIISectionAGrp/PersonNm7Jenna M Dunker
IRS990/Form990PartVIISectionAGrp/PersonNm8Anne D Rogers
IRS990/Form990PartVIISectionAGrp/PersonNm9Eric D Garland
IRS990/Form990PartVIISectionAGrp/PersonNm10John E Rashke
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt049865
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt148815
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt249340
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt350390
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt4146820
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt5345758
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt6200695
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt7104775
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt8111860
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt9162370
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt1034625
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt00
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt10
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt20
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt30
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt40
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt50
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt60
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt70
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt80
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt90
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt100
IRS990/Form990PartVIISectionAGrp/TitleTxt0Independent Director
IRS990/Form990PartVIISectionAGrp/TitleTxt1Independent Director
IRS990/Form990PartVIISectionAGrp/TitleTxt2Independent Director
IRS990/Form990PartVIISectionAGrp/TitleTxt3Independent Director
IRS990/Form990PartVIISectionAGrp/TitleTxt4President/CEO
IRS990/Form990PartVIISectionAGrp/TitleTxt5President/Director Emeritus
IRS990/Form990PartVIISectionAGrp/TitleTxt6Secretary/Vice President - Operations
IRS990/Form990PartVIISectionAGrp/TitleTxt7Treasurer
IRS990/Form990PartVIISectionAGrp/TitleTxt8Vice President - Fraternal
IRS990/Form990PartVIISectionAGrp/TitleTxt9Vice President - Marketing
IRS990/Form990PartVIISectionAGrp/TitleTxt10Former Director
IRS990/Form990ProvidedToGvrnBodyInd01
IRS990/FormationYr01916
IRS990/FormerOfcrEmployeesListedInd01
IRS990/FSAuditedBasisGrp/SeparateBasisFinclStmtInd0X
IRS990/FSAuditedInd01
IRS990/FundraisingActivitiesInd00
IRS990/GainOrLossGrp/OtherAmt00
IRS990/GainOrLossGrp/SecuritiesAmt00
IRS990/GamingActivitiesInd00
IRS990/GoverningBodyVotingMembersCnt05
IRS990/GrantsPayableGrp/BOYAmt00
IRS990/GrantsPayableGrp/EOYAmt00
IRS990/GrantsToDomesticIndividualsGrp/TotalAmt00
IRS990/GrantsToDomesticOrgsGrp/TotalAmt00
IRS990/GrantsToIndividualsInd00
IRS990/GrantsToOrganizationsInd00
IRS990/GrantToRelatedPersonInd00
IRS990/GrossReceiptsAmt037441954
IRS990/GroupExemptionNum00532
IRS990/GroupReturnForAffiliatesInd00
IRS990/IncludeFIN48FootnoteInd00
IRS990/IndependentAuditFinclStmtInd01
IRS990/IndependentVotingMemberCnt04
IRS990/IndivRcvdGreaterThan100KCnt06
IRS990/IndoorTanningServicesInd00
IRS990/InfoInScheduleOPartVIInd0X
IRS990/InformationTechnologyGrp/TotalAmt0556296
IRS990/InsuranceGrp/TotalAmt075679
IRS990/IntangibleAssetsGrp/BOYAmt00
IRS990/IntangibleAssetsGrp/EOYAmt00
IRS990/InterestGrp/TotalAmt00
IRS990/InventoriesForSaleOrUseGrp/BOYAmt00
IRS990/InventoriesForSaleOrUseGrp/EOYAmt00
IRS990/InvestmentExpenseAmt00
IRS990/InvestmentInJointVentureInd00
IRS990/InvestmentsOtherSecuritiesGrp/BOYAmt00
IRS990/InvestmentsOtherSecuritiesGrp/EOYAmt00
IRS990/InvestmentsProgramRelatedGrp/BOYAmt0332507484
IRS990/InvestmentsProgramRelatedGrp/EOYAmt0337969836
IRS990/InvestmentsPubTradedSecGrp/BOYAmt00
IRS990/InvestmentsPubTradedSecGrp/EOYAmt00
IRS990/IRPDocumentCnt00
IRS990/IRPDocumentW2GCnt00
IRS990/LandBldgEquipAccumDeprecAmt01669875
IRS990/LandBldgEquipBasisNetGrp/BOYAmt0719209
IRS990/LandBldgEquipBasisNetGrp/EOYAmt0739028
IRS990/LandBldgEquipCostOrOtherBssAmt02408903
IRS990/LegalDomicileStateCd0WI
IRS990/LoanOutstandingInd00
IRS990/LoansFromOfficersDirectorsGrp/BOYAmt00
IRS990/LocalChaptersInd01
IRS990/MaterialDiversionOrMisuseInd00
IRS990/MembersOrStockholdersInd01
IRS990/MethodOfAccountingAccrualInd0X
IRS990/MinutesOfCommitteesInd01
IRS990/MinutesOfGoverningBodyInd01
IRS990/MissionDesc0Fraternal Benefit Society - As a fraternal benefit insurance society, our mission is to provide meaningful fraternal programs and benefits for our members as well as high quality insurance products and services. We strengthen our members fraternally through charitable, educational and volunteer programs that encourage family values, help improve communities, support patriotism for our country and help others in need.
IRS990/MoreThan5000KToIndividualsInd00
IRS990/MoreThan5000KToOrgInd00
IRS990/MortgNotesPyblScrdInvstPropGrp/BOYAmt00
IRS990/MortgNotesPyblScrdInvstPropGrp/EOYAmt00
IRS990/NetAssetsOrFundBalancesBOYAmt035831434
IRS990/NetAssetsOrFundBalancesEOYAmt035363064
IRS990/NetUnrelatedBusTxblIncmAmt00
IRS990/NetUnrlzdGainsLossesInvstAmt01314211
IRS990/NondeductibleContributionsInd00
IRS990/OccupancyGrp/TotalAmt0350004
IRS990/OfficeExpensesGrp/TotalAmt0821319
IRS990/OfficerMailingAddressInd01
IRS990/OperateHospitalInd00
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowSFAS117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt05091620
IRS990/OtherAssetsTotalGrp/EOYAmt05084778
IRS990/OtherChangesInNetAssetsAmt00
IRS990/OtherEmployeeBenefitsGrp/TotalAmt0816125
IRS990/OtherExpensesGrp/Desc0Commissions/Fieldworkers Expense
IRS990/OtherExpensesGrp/Desc1Change in Non-Admitted Assets
IRS990/OtherExpensesGrp/Desc2Post-Retirement Benefit Reserve
IRS990/OtherExpensesGrp/Desc3Fraternal Activities
IRS990/OtherExpensesGrp/TotalAmt0955033
IRS990/OtherExpensesGrp/TotalAmt1896170
IRS990/OtherExpensesGrp/TotalAmt2531469
IRS990/OtherExpensesGrp/TotalAmt3362510
IRS990/OtherLiabilitiesGrp/BOYAmt0301442204
IRS990/OtherLiabilitiesGrp/EOYAmt0307628395
IRS990/OtherRevenueTotalAmt00
IRS990/OtherSalariesAndWagesGrp/TotalAmt02669279
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt00
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt00
IRS990/PartialLiquidationInd00
IRS990/PaymentsToAffiliatesGrp/TotalAmt00
IRS990/PayrollTaxesGrp/TotalAmt0339655
IRS990/PdInCapSrplsLandBldgEqpFundGrp/BOYAmt00
IRS990/PdInCapSrplsLandBldgEqpFundGrp/EOYAmt00
IRS990/PensionPlanContributionsGrp/TotalAmt0241397
IRS990/PledgesAndGrantsReceivableGrp/BOYAmt00
IRS990/PledgesAndGrantsReceivableGrp/EOYAmt00
IRS990/PoliciesReferenceChaptersInd01
IRS990/PoliticalCampaignActyInd00
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt00
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt00
IRS990/PrincipalOfficerNm0Daniel L Shinnick
IRS990/PriorPeriodAdjustmentsAmt00
IRS990/ProfessionalFundraisingInd00
IRS990/ProgramServiceRevenueGrp/BusinessCd0524113
IRS990/ProgramServiceRevenueGrp/BusinessCd1524113
IRS990/ProgramServiceRevenueGrp/BusinessCd2524113
IRS990/ProgramServiceRevenueGrp/BusinessCd3524113
IRS990/ProgramServiceRevenueGrp/BusinessCd4524113
IRS990/ProgramServiceRevenueGrp/Desc0Insurance Premiums
IRS990/ProgramServiceRevenueGrp/Desc1Investment Income
IRS990/ProgramServiceRevenueGrp/Desc2Realized Capital Gains
IRS990/ProgramServiceRevenueGrp/Desc3Considerations for SC with Life
IRS990/ProgramServiceRevenueGrp/Desc4Commission on Reinsurance Ceded
IRS990/ProgramServiceRevenueGrp/ExclusionAmt00
IRS990/ProgramServiceRevenueGrp/ExclusionAmt10
IRS990/ProgramServiceRevenueGrp/ExclusionAmt20
IRS990/ProgramServiceRevenueGrp/ExclusionAmt30
IRS990/ProgramServiceRevenueGrp/ExclusionAmt40
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt018720035
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt116724973
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt2961462
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt3382595
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt4253356
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt018720035
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt116724973
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt2961462
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt3382595
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt4253356
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt00
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt10
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt20
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt30
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt40
IRS990/ProgSrvcAccomActy2Grp/Desc0INSURANCE ACTIVITIES: The primary purpose of the insurance activities of National Mutual Benefit is to accomplish the exempt purpose of the fraternal benefit society rather than to produce income. Number of members: 33,526
IRS990/ProgSrvcAccomActy2Grp/ExpenseAmt038064510
IRS990/ProhibitedTaxShelterTransInd00
IRS990/PYBenefitsPaidToMembersAmt026485564
IRS990/PYContributionsGrantsAmt00
IRS990/PYGrantsAndSimilarPaidAmt00
IRS990/PYInvestmentIncomeAmt00
IRS990/PymtTravelEntrtnmntPubOfclGrp/TotalAmt00
IRS990/PYOtherExpensesAmt05171367
IRS990/PYOtherRevenueAmt00
IRS990/PYProgramServiceRevenueAmt037086570
IRS990/PYRevenuesLessExpensesAmt0286010
IRS990/PYSalariesCompEmpBnftPaidAmt05143629
IRS990/PYTotalExpensesAmt036800560
IRS990/PYTotalProfFndrsngExpnsAmt00
IRS990/PYTotalRevenueAmt037086570
IRS990/RcvblFromDisqualifiedPrsnGrp/BOYAmt00
IRS990/RcvblFromDisqualifiedPrsnGrp/EOYAmt00
IRS990/ReceivablesFromOfficersEtcGrp/BOYAmt00
IRS990/ReceivablesFromOfficersEtcGrp/EOYAmt00
IRS990/ReconcilationRevenueExpnssAmt0-1782581
IRS990/RegularMonitoringEnfrcInd01
IRS990/RelatedEntityInd01
IRS990/RelatedOrganizationCtrlEntInd01
IRS990/RentalIncomeOrLossGrp/PersonalAmt00
IRS990/RentalIncomeOrLossGrp/RealAmt00
IRS990/ReportInvestmentsOtherSecInd00
IRS990/ReportLandBuildingEquipmentInd01
IRS990/ReportOtherAssetsInd00
IRS990/ReportOtherLiabilitiesInd01
IRS990/ReportProgramRelatedInvstInd01
IRS990/RoyaltiesGrp/TotalAmt00
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt035831434
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt035363064
IRS990/SavingsAndTempCashInvstGrp/BOYAmt00
IRS990/SavingsAndTempCashInvstGrp/EOYAmt00
IRS990/ScheduleBRequiredInd00
IRS990ScheduleD/AgentTrusteeEtcInd00
IRS990ScheduleD/BuildingsGrp/BookValueAmt0263028
IRS990ScheduleD/BuildingsGrp/DepreciationAmt01669875
IRS990ScheduleD/BuildingsGrp/InvestmentCostOrOtherBasisAmt00
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt01932903
IRS990ScheduleD/DonatedServicesAndUseFcltsAmt00
IRS990ScheduleD/DonatedServicesUseFcltsAmt00
IRS990ScheduleD/EquipmentGrp/BookValueAmt00
IRS990ScheduleD/EquipmentGrp/DepreciationAmt00
IRS990ScheduleD/EquipmentGrp/InvestmentCostOrOtherBasisAmt00
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt00
IRS990ScheduleD/ExpensesNotReportedAmt00
IRS990ScheduleD/ExpensesNotRptFinclStmtAmt01179035
IRS990ScheduleD/ExpensesSubtotalAmt038045500
IRS990ScheduleD/ExplanationProvidedInd0X
IRS990ScheduleD/FederalIncomeTaxLiabilityAmt00
IRS990ScheduleD/InclEscrowCustodialAcctLiabInd01
IRS990ScheduleD/InvestmentExpensesNotIncld2Amt01179035
IRS990ScheduleD/InvestmentExpensesNotIncldAmt01179035
IRS990ScheduleD/InvstProgramRelatedOrgGrp/BookValueAmt0311411571
IRS990ScheduleD/InvstProgramRelatedOrgGrp/BookValueAmt112061693
IRS990ScheduleD/InvstProgramRelatedOrgGrp/BookValueAmt26136954
IRS990ScheduleD/InvstProgramRelatedOrgGrp/BookValueAmt34635446
IRS990ScheduleD/InvstProgramRelatedOrgGrp/BookValueAmt43724172
IRS990ScheduleD/InvstProgramRelatedOrgGrp/Desc0Bonds and Surplus Debentures
IRS990ScheduleD/InvstProgramRelatedOrgGrp/Desc1Common Stock
IRS990ScheduleD/InvstProgramRelatedOrgGrp/Desc2Cash Equivalents
IRS990ScheduleD/InvstProgramRelatedOrgGrp/Desc3Mortgage Loans
IRS990ScheduleD/InvstProgramRelatedOrgGrp/Desc4Contract Loans
IRS990ScheduleD/InvstProgramRelatedOrgGrp/MethodValuationCd0C

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings