Civic Intelligence

Nrlca Veba Trust

990 • Fiscal year 2016 • EIN 46-5090278

Jan 01, 2016 to Dec 31, 2016 • Filed on Nov 08, 2017

Organization ProfileN/A
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

84th percentile

0.43x

Higher debt load relative to assets than 84% of similar nonprofits.

2016 filings • 501(c)9 • $250M-$1B nonprofits • Source year 2016

Liabilities / Revenue

62nd percentile

0.11x

Higher debt load relative to revenue than 62% of similar nonprofits.

2016 filings • 501(c)9 • $250M-$1B nonprofits • Source year 2016

Net Margin

23rd percentile

-4.6%

Higher net margin than 23% of similar nonprofits.

2016 filings • 501(c)9 • $250M-$1B nonprofits • Source year 2016

Top Officer Pay

66th percentile

$166,442

Higher top officer pay than 66% of similar nonprofits.

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

2016 filings • 501(c)9 • $250M-$1B nonprofits • Source year 2016

Asset Growth

7th percentile

-16%

Faster asset growth than 7% of similar nonprofits.

2016 filings • 501(c)9 • $250M-$1B nonprofits • Annualized from 2015 to 2016

Revenue Growth

48th percentile

5.2%

Faster revenue growth than 48% of similar nonprofits.

2016 filings • 501(c)9 • $250M-$1B nonprofits • Annualized from 2015 to 2016

Balance Sheet
Liabilities / Assets84th percentile

Assets

Down

$81,981,147

Down $15,236,353 (-16%) from 2015

Net Assets

Down

$47,090,747

Down $18,156,700 (-28%) from 2015

Liabilities

Up

$34,890,400

Up $2,920,347 (+9.1%) from 2015

Revenue And Expenses
Liabilities / Revenue62nd percentileNet Margin23rd percentile

Revenue

Up

$318,618,661

Up $15,619,361 (+5.2%) from 2015

Expenses

Up

$333,345,402

Up $21,060,632 (+6.7%) from 2015

Net Income

Down

-$14,726,741

Down $5,441,271 (-59%) from 2015

Historical Trend

Balance Sheet Trend

Asset Growth7th percentile

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

2016

Assets$81,981,147
Liabilities$34,890,400
Net Assets$47,090,747
Open 2016 Filing

Operations Trend

Revenue Growth48th percentile

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

2016

Revenue$318,618,661
Expenses$333,345,402
Net Income-$14,726,741
Open 2016 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2016 to Dec 31, 2016
Signed
Nov 8, 2017
Return Version
2016v3.1
Gross Receipts
$318,618,661
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$65,247,447$47,090,747▼ $18,156,700
Accounts Receivable$25,740,889$27,177,369▲ $1,436,480
Cash and Non-Interest-Bearing Accounts$2,176,586$907,405▼ $1,269,181
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$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$0→ $0
Prepaid Expenses and Deferred Charges$0$0→ $0
Total Assets$97,217,500$81,981,147▼ $15,236,353
Other Assets Total$69,300,025$53,896,373▼ $15,403,652
Liabilities
Accounts Payable and Accrued Expenses$31,852,539$34,740,734▲ $2,888,195
Other Liabilities$117,514$149,666▲ $32,152
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$31,970,053$34,890,400▲ $2,920,347
Net Assets / Fund Balance
Total Net Assets Fund Balance$65,247,447$47,090,747▼ $18,156,700
Total Liabilities and Net Assets / Fund Balance$97,217,500$81,981,147▼ $15,236,353

Asset Categories

AssetBook ValueDepreciationBasis
Other Assets Org$53,896,373--
Compensation and Service Providers
Top Officer Pay66th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Larry WaligoraManager of Insurance ProgramsFT$128,913$15,145$144,058

Board Members and Trustees

NameTitle
Clifford DailingTrustee

Highest Paid Contractors

ContractorServicesLocationCompensation
none---
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$318,617,923
Investment Income
$738
Other Revenue
$0
Change in Net Assets
$-14,726,741
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$24,662,875
Salaries, Compensation, and Employee Benefits$524,567
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Benefits to Members---$308,157,960
Fees for Services Management---$9,031,854
Information Technology---$3,555,679
Other Expenses---$3,210,623
Office Expenses---$1,110,313
Insurance---$930,145
Occupancy---$397,062
Other Salaries and Wages---$277,203
Fees for Services Accounting---$225,500
Current Officers, Directors, Trustees, and Key Employees---$144,058
Other Employee Benefits---$103,306
Fees for Services Other---$91,229
Fees for Services Legal---$62,074
Travel---$55,859
Depreciation Depletion---$938
Total Functional Expenses$0$0$0$333,345,402
Fundraising, Events, and Gaming
Fundraising activities
No
Gaming activities
No
Professional fundraiser used
No

Fundraising and Gaming Totals

Line ItemAmount
Fundraising Direct Expenses$0
Fundraising Gross Income$0
Gaming Direct Expenses$0
Gaming Gross Income$0
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$149,666
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 A, Line 3

“The organization has engaged claims administration corp. (cac), 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
7036845552
Signed
2017-11-08
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

Preparer

Firm
Cohnreznick Llp
Address
7501 WISCONSIN AVENUE 400E, BETHESDA, MD 20814-6583
Preparer
DANIEL O'SHEA
Phone
3016529100
Supplemental Narrative

Additional Explanations

Form 990, Part XI, Line 9

“The amount of -$3,617,965 represents a return of additional funds in 2016 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.”

Raw XML Appendix387 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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IRS990ScheduleD/OtherAssetsOrgGrp/Desc0US TREASURY LETTER OF CREDIT
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt0149666
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0OTHER LIABILITIES
IRS990ScheduleD/TotalBookValueOtherAssetsAmt053896373
IRS990ScheduleD/TotalLiabilityAmt0149666
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IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsRltdOrgsAmt024431
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm0CLIFFORD DAILING
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt0TRUSTEE
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationRltdOrgsAmt0166442
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IRS990ScheduleJ/SupplementalNonqualRtrPlanInd0false
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IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0THE AMOUNT OF -$3,617,965 REPRESENTS A RETURN OF ADDITIONAL FUNDS IN 2016 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.
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. (CAC), 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 A, 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/AssetPurchaseFromOtherOrgInd0false
IRS990ScheduleR/AssetSaleToOtherOrgInd0false
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IRS990ScheduleR/GiftGrntOrCapContriToOthOrgInd0false
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IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/DirectControllingEntityName/BusinessNameLine1Txt0NA
IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/DisregardedEntityName/BusinessNameLine1Txt0NATIONAL RURAL LETTER CARRIERS' ASSN
IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/EIN0530116149
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IRS990ScheduleR/PerformOfServicesByOtherOrgInd0false
IRS990ScheduleR/PerformOfServicesForOthOrgInd0false
IRS990ScheduleR/ReceiptOfIntAnntsRntsRyltsInd0false
IRS990ScheduleR/ReimbursementPaidByOtherOrgInd0false
IRS990ScheduleR/ReimbursementPaidToOtherOrgInd0true
IRS990ScheduleR/RentalOfFacilitiesToOthOrgInd0false
IRS990ScheduleR/RentalOfFcltsFromOthOrgInd0false
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IRS990ScheduleR/TransferFromOtherOrgInd0true
IRS990ScheduleR/TransferToOtherOrgInd0true
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IRS990/SignificantChangeInd0false
IRS990/SignificantNewProgramSrvcInd0false
IRS990/SubjectToProxyTaxInd0false
IRS990/TaxablePartyNotificationInd0false
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IRS990/TaxExemptBondLiabilitiesGrp/EOYAmt00
IRS990/TaxExemptBondsInd0false
IRS990/TempOrPermanentEndowmentsInd0false
IRS990/TerminateOperationsInd0false
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IRS990/TotalAssetsEOYAmt081981147
IRS990/TotalAssetsGrp/BOYAmt097217500
IRS990/TotalAssetsGrp/EOYAmt081981147
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IRS990/TotalContributionsAmt00
IRS990/TotalEmployeeCnt00
IRS990/TotalFunctionalExpensesGrp/TotalAmt0333345402
IRS990/TotalGrossUBIAmt00
IRS990/TotalLiabilitiesBOYAmt031970053
IRS990/TotalLiabilitiesEOYAmt034890400
IRS990/TotalLiabilitiesGrp/BOYAmt031970053
IRS990/TotalLiabilitiesGrp/EOYAmt034890400
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IRS990/TotalProgramServiceRevenueAmt0318617923
IRS990/TotalReportableCompFromOrgAmt0128913
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt0318618661
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt0318618661
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IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt081981147
IRS990/TotReportableCompRltdOrgAmt0132586
IRS990/TravelGrp/TotalAmt055859
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IRS990/UnsecuredNotesLoansPayableGrp/EOYAmt00
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ReturnHeader/BuildTS02017-02-10 21:41:12Z
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ReturnHeader/BusinessOfficerGrp/PersonNm0CLIFFORD DAILING
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ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0NRLCA VEBA TRUST
ReturnHeader/Filer/BusinessNameControlTxt0NRLC
ReturnHeader/Filer/EIN0465090278
ReturnHeader/Filer/InCareOfNm0% RITA LAWSON
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ReturnHeader/FilingSecurityInformation/FilingLicenseTypeCd0P
ReturnHeader/FilingSecurityInformation/IPAddress/IPv4AddressTxt050.207.226.156
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt0COHNREZNICK LLP
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt07501 WISCONSIN AVENUE 400E
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm0BETHESDA
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd0MD
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCd0208146583
ReturnHeader/PreparerPersonGrp/PhoneNum03016529100
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0DANIEL O'SHEA
ReturnHeader/ReturnTs02017-11-14T11:59:06-06:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02016-01-01
ReturnHeader/TaxPeriodEndDt02016-12-31
ReturnHeader/TaxYr02016

Document Assets

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Filings

Displayed year

2016 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$81,981,147
Liabilities
$34,890,400
Net assets
$47,090,747
Revenue
$318,618,661
Expenses
$333,345,402
Net income
-$14,726,741
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