Civic Intelligence

Nrlca Veba Trust

990 • Fiscal year 2014 • EIN 46-5090278

Jan 01, 2014 to Dec 31, 2014 • Filed on Nov 13, 2015

Organization ProfileWWW.NRLCA.ORG/PUBLICPAGES/RURAL
1630 Duke Street 4th FloorAlexandria, VA 22314-3465

(703) 684-5545

Siviq Scores

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

Liabilities / Assets

74th percentile

0.22x

Higher debt load relative to assets than 74% of similar nonprofits.

2014 filings • 501(c)9 • $250M-$1B nonprofits • Source year 2014

Liabilities / Revenue

47th percentile

0.07x

Higher debt load relative to revenue than 47% of similar nonprofits.

2014 filings • 501(c)9 • $250M-$1B nonprofits • Source year 2014

Net Margin

41st percentile

0.2%

Higher net margin than 41% of similar nonprofits.

2014 filings • 501(c)9 • $250M-$1B nonprofits • Source year 2014

Top Officer Pay

67th percentile

$173,970

Higher top officer pay than 67% of similar nonprofits.

Top officer pay equals 0.1% of source-year revenue.

2014 filings • 501(c)9 • $250M-$1B nonprofits • Source year 2014

Asset Growth

Score unavailable

No value available

No earlier valid filing was available within the previous three public years.

Source year 2014

Revenue Growth

Score unavailable

No value available

No earlier valid filing was available within the previous three public years.

Source year 2014

Balance Sheet
Liabilities / Assets74th percentile

Assets

$94,460,815

No earlier filing loaded for comparison.

Net Assets

$73,820,713

No earlier filing loaded for comparison.

Liabilities

$20,640,102

No earlier filing loaded for comparison.

Revenue And Expenses
Liabilities / Revenue47th percentileNet Margin41st percentile

Revenue

$305,011,698

No earlier filing loaded for comparison.

Expenses

$304,434,848

No earlier filing loaded for comparison.

Net Income

$576,850

No earlier filing loaded for comparison.

Historical Trend

Balance Sheet Trend

Asset GrowthScore unavailable

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

$200M$150M$100M$50M$0Assets 2014: $94,460,815Liabilities 2014: $20,640,102Net Assets 2014: $73,820,7132014Assets 2015: $97,217,500Liabilities 2015: $31,970,053Net Assets 2015: $65,247,4472015Assets 2016: $81,981,147Liabilities 2016: $34,890,400Net Assets 2016: $47,090,7472016Assets 2017: $90,863,239Liabilities 2017: $45,478,555Net Assets 2017: $45,384,6842017Assets 2018: $85,617,871Liabilities 2018: $52,033,403Net Assets 2018: $33,584,4682018Assets 2019: $91,730,975Liabilities 2019: $27,495,517Net Assets 2019: $64,235,4582019Assets 2020: $168,417,883Liabilities 2020: $25,700,228Net Assets 2020: $142,717,6552020Assets 2021: $116,252,948Liabilities 2021: $11,525,410Net Assets 2021: $104,727,5382021Assets 2022: $131,608,191Liabilities 2022: $3,940,954Net Assets 2022: $127,667,2372022Assets 2023: $132,598,889Liabilities 2023: $3,746,065Net Assets 2023: $128,852,8242023Assets 2024: $144,397,810Liabilities 2024: $7,533,599Net Assets 2024: $136,864,2112024

Highlighted filing

2014

Assets$94,460,815
Liabilities$20,640,102
Net Assets$73,820,713
Open 2014 Filing

Operations Trend

Revenue GrowthScore unavailable

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

$600M$400M$200M$0-$200MRevenue 2014: $305,011,698Expenses 2014: $304,434,848Net Income 2014: $576,8502014Revenue 2015: $302,999,300Expenses 2015: $312,284,770Net Income 2015: -$9,285,4702015Revenue 2016: $318,618,661Expenses 2016: $333,345,402Net Income 2016: -$14,726,7412016Revenue 2017: $339,497,186Expenses 2017: $363,071,219Net Income 2017: -$23,574,0332017Revenue 2018: $368,205,248Expenses 2018: $407,381,263Net Income 2018: -$39,176,0152018Revenue 2019: $392,269,297Expenses 2019: $427,830,499Net Income 2019: -$35,561,2022019Revenue 2020: $437,172,867Expenses 2020: $431,535,265Net Income 2020: $5,637,6022020Revenue 2021: $432,672,998Expenses 2021: $460,313,463Net Income 2021: -$27,640,4652021Revenue 2022: $422,302,896Expenses 2022: $448,117,548Net Income 2022: -$25,814,6522022Revenue 2023: $424,569,967Expenses 2023: $450,225,227Net Income 2023: -$25,655,2602023Revenue 2024: $423,780,744Expenses 2024: $448,566,298Net Income 2024: -$24,785,5542024

Highlighted filing

2014

Revenue$305,011,698
Expenses$304,434,848
Net Income$576,850
Open 2014 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2014 to Dec 31, 2014
Signed
Nov 13, 2015
Return Version
2014v5.0
Gross Receipts
$305,011,698
Mission and Program Overview

Mission

The nrlca veba trust provides the funding for the rural carrier benefit plan that serves the nrlca's membership and the nrlca staff health plan which serves its employees.

Balance Sheet Detail
LineBeginningEndChange
Assets
Rtn Earn Endowment Incm Other Fnds$0$73,820,713▲ $73,820,713
Accounts Receivable$0$25,235,213▲ $25,235,213
Cash and Non-Interest-Bearing Accounts$0$863,322▲ $863,322
Savings and Temporary Cash Investments$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 Program Related$0$0→ $0
Investments in Publicly Traded Securities$0$0→ $0
Land, Buildings, and Equipment, Net$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$0→ $0
Prepaid Expenses and Deferred Charges$0$0→ $0
Total Assets$0$94,460,815▲ $94,460,815
Other Assets Total$0$68,362,280▲ $68,362,280
Liabilities
Accounts Payable and Accrued Expenses$0$20,562,423▲ $20,562,423
Other Liabilities$0$77,679▲ $77,679
Grants Payable$0$0→ $0
Mortgage Notes Payable Secured by Investment Property$0$0→ $0
Unsecured Notes Loans Payable$0$0→ $0
Deferred Revenue$0$0→ $0
Escrow Account Liability$0$0→ $0
Tax Exempt Bond Liabilities$0$0→ $0
Total Liabilities$0$20,640,102▲ $20,640,102
Net Assets / Fund Balance
Total Net Assets Fund Balance$0$73,820,713▲ $73,820,713
Total Liabilities and Net Assets / Fund Balance$0$94,460,815▲ $94,460,815

Asset Categories

AssetBook ValueDepreciationBasis
Other Assets Org$68,362,280--
Compensation and Service Providers
Top Officer Pay67th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Larry WaligoraManager of Insurance ProgramsFT$124,289$17,925$142,214

Board Members and Trustees

NameTitle
Clifford DailingTrustee

Highest Paid Contractors

ContractorServicesLocationCompensation
none---
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$305,010,598
Investment Income
$1,100
Other Revenue
$0
Change in Net Assets
$576,850
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$25,324,270
Salaries, Compensation, and Employee Benefits$466,784
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Benefits to Members---$278,643,794
Fees for Services Management---$8,701,448
Information Technology---$2,950,503
Other Expenses---$2,415,650
Office Expenses---$1,051,433
Insurance---$996,686
Occupancy---$453,998
Other Salaries and Wages---$243,715
Fees for Services Accounting---$203,000
Current Officers, Directors, Trustees, and Key Employees---$142,214
Fees for Services Other---$124,901
Other Employee Benefits---$80,855
Travel---$55,791
Fees for Services Legal---$30,444
Depreciation Depletion---$10
Total Functional Expenses$0$0$0$304,434,848
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$0→ $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
Other Liabilities$77,679
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
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
No
Audited financial statements prepared
No
Key decisions subject to board approval
No
Management duties delegated
Yes

Governance Explanations

Form 990, Part VI, Section B, Line 11

“Once the initial 990 draft is completed, it is reviewed by the trustee of the organization. Once approved, the 990 and any related schedules are filed timely.”

Form 990, Part VI, Section B, Line 3

“The organization has engaged claims administration corp., an aetna subsidiary, to administer the insurance plans. Aetna life insurance company provides stop loss insurance for the plans.”

Form 990, Part VI, Section B, Line 15

“The finance committee of the related organization, national rural letter carriers' association, reviews salary data and establishes the compensation of the manager of insurance programs.”

Form 990, Part VI, Section C, Line 19

“The organization does not make its governing documents, conflict of interest policy, and financial statements available to the public.”

Filing and Contact Details

Filer

Filer Name
Nrlca Veba Trust
EIN
46-5090278
In Care Of
% RITA LAWSON
Phone
7036845545
Address
1630 DUKE STREET 4TH FLOOR, ALEXANDRIA, VA 22314-3465

Signing Officer

Name
Clifford Dailing
Title
Trustee
Phone
7036845545
Signed
2015-11-13
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Clifford Dailing
Formed
2014
Legal Domicile
Va
Voting Board Members
1
Independent Board Members
0
Employees
0
Volunteers
0

Preparer

Firm
Cohnreznick Llp
Address
6720B ROCKLEDGE DRIVE SUITE 750, BETHESDA, MD 20817
Preparer
DANIEL D O'SHEA
Phone
3016547555
Supplemental Narrative

Additional Explanations

Form 990, Part XI, Line 9

“The nrlca veba trust was established in 2014 and this amount represents the transfer of funds from the special reserve of the rural carrier benefit plan, a federal employee health benefit plan operated under contract between national rural letter carriers' association (nrlca) and the office of personnel management, and funds transferred from the nrlca staff health plan, for the establishment of funds for the nrlca veba trust.”

Raw XML Appendix385 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.

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IRS990ScheduleJ/SupplementalNonqualRtrPlanInd0false
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IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0THE NRLCA VEBA TRUST WAS ESTABLISHED IN 2014 AND THIS AMOUNT REPRESENTS THE TRANSFER OF FUNDS FROM THE SPECIAL RESERVE OF THE RURAL CARRIER BENEFIT PLAN, A FEDERAL EMPLOYEE HEALTH BENEFIT PLAN OPERATED UNDER CONTRACT BETWEEN NATIONAL RURAL LETTER CARRIERS' ASSOCIATION (NRLCA) AND THE OFFICE OF PERSONNEL MANAGEMENT, AND FUNDS TRANSFERRED FROM THE NRLCA STAFF HEALTH PLAN, FOR THE ESTABLISHMENT OF FUNDS FOR THE NRLCA VEBA TRUST.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1ONCE THE INITIAL 990 DRAFT IS COMPLETED, IT IS REVIEWED BY THE TRUSTEE OF THE ORGANIZATION. ONCE APPROVED, THE 990 AND ANY RELATED SCHEDULES ARE FILED TIMELY.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2THE ORGANIZATION HAS ENGAGED CLAIMS ADMINISTRATION CORP., AN AETNA SUBSIDIARY, TO ADMINISTER THE INSURANCE PLANS. AETNA LIFE INSURANCE COMPANY PROVIDES STOP LOSS INSURANCE FOR THE PLANS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3THE FINANCE COMMITTEE OF THE RELATED ORGANIZATION, NATIONAL RURAL LETTER CARRIERS' ASSOCIATION, REVIEWS SALARY DATA AND ESTABLISHES THE COMPENSATION OF THE MANAGER OF INSURANCE PROGRAMS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4THE ORGANIZATION DOES NOT MAKE ITS GOVERNING DOCUMENTS, CONFLICT OF INTEREST POLICY, AND FINANCIAL STATEMENTS AVAILABLE TO THE PUBLIC.
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0FORM 990, PART XI, LINE 9
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1FORM 990, PART VI, SECTION B, LINE 11
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2FORM 990, PART VI, SECTION B, LINE 3
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3FORM 990, PART VI, SECTION B, LINE 15
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4FORM 990, PART VI, SECTION C, LINE 19
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IRS990ScheduleR/TransferToOtherOrgInd0false
IRS990/SchoolOperatingInd0false
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IRS990/SubjectToProxyTaxInd0false
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IRS990/TaxExemptBondLiabilitiesGrp/EOYAmt00
IRS990/TaxExemptBondsInd0false
IRS990/TempOrPermanentEndowmentsInd0false
IRS990/TerminateOperationsInd0false
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IRS990/TotalAssetsGrp/EOYAmt094460815
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IRS990/TotalLiabilitiesGrp/EOYAmt020640102
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt00
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt073820713
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IRS990/TotalRevenueGrp/TotalRevenueColumnAmt0305011698
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IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt094460815
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IRS990/TravelGrp/TotalAmt055791
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IRS990/UnsecuredNotesLoansPayableGrp/BOYAmt00
IRS990/UnsecuredNotesLoansPayableGrp/EOYAmt00
IRS990/UponRequestInd0X
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IRS990/USAddress/ZIPCd022314
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IRS990/VotingMembersIndependentCnt00
IRS990/WebsiteAddressTxt0WWW.NRLCA.ORG/PUBLICPAGES/RURAL
IRS990/WhistleblowerPolicyInd0false
ReturnHeader/BuildTS02016-04-25 22:37:26Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd0true
ReturnHeader/BusinessOfficerGrp/PersonNm0CLIFFORD DAILING
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0TRUSTEE
ReturnHeader/BusinessOfficerGrp/PhoneNum07036845545
ReturnHeader/BusinessOfficerGrp/SignatureDt02015-11-13
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0NRLCA VEBA TRUST
ReturnHeader/Filer/BusinessNameControlTxt0NRLC
ReturnHeader/Filer/EIN0465090278
ReturnHeader/Filer/InCareOfNm0% RITA LAWSON
ReturnHeader/Filer/PhoneNum07036845545
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ReturnHeader/Filer/USAddress/ZIPCd0223143465
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt0COHNREZNICK LLP
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt06720B ROCKLEDGE DRIVE SUITE 750
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm0BETHESDA
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd0MD
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCd020817
ReturnHeader/PreparerPersonGrp/PhoneNum03016547555
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0DANIEL D O'SHEA
ReturnHeader/ReturnTs02015-11-16T08:42:21-06:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02014-01-01
ReturnHeader/TaxPeriodEndDt02014-12-31
ReturnHeader/TaxYr02014

Document Assets

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Filings

Displayed year

2014 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$94,460,815
Liabilities
$20,640,102
Net assets
$73,820,713
Revenue
$305,011,698
Expenses
$304,434,848
Net income
$576,850
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Detailed filing. Detailed filing data is available for this year.$144$7.53$137$424$449$24.8
2023Detailed filing. Detailed filing data is available for this year.$133$3.75$129$425$450$25.7
2022Detailed filing. Detailed filing data is available for this year.$132$3.94$128$422$448$25.8
2021Detailed filing. Detailed filing data is available for this year.$116$11.5$105$433$460$27.6
2020Detailed filing. Detailed filing data is available for this year.$168$25.7$143$437$432$5.64
2019Detailed filing. Detailed filing data is available for this year.$91.7$27.5$64.2$392$428$35.6
2018Detailed filing. Detailed filing data is available for this year.$85.6$52.0$33.6$368$407$39.2
2017Detailed filing. Detailed filing data is available for this year.$90.9$45.5$45.4$339$363$23.6
2016Detailed filing. Detailed filing data is available for this year.$82.0$34.9$47.1$319$333$14.7
2015Detailed filing. Detailed filing data is available for this year.$97.2$32.0$65.2$303$312$9.29
2014Detailed filing. Detailed filing data is available for this year.$94.5$20.6$73.8$305$304$0.58