Civic Intelligence

Nrlca Veba Trust

990 • Fiscal year 2019 • EIN 46-5090278

Jan 01, 2019 to Dec 31, 2019 • Filed on Nov 09, 2020

Organization ProfileWWW.NRLCA.ORG
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

83rd percentile

0.30x

Higher debt load relative to assets than 83% of similar nonprofits.

2019 filings • 501(c)9 • $250M-$1B nonprofits • Source year 2019

Liabilities / Revenue

55th percentile

0.07x

Higher debt load relative to revenue than 55% of similar nonprofits.

2019 filings • 501(c)9 • $250M-$1B nonprofits • Source year 2019

Net Margin

15th percentile

-9.1%

Higher net margin than 15% of similar nonprofits.

2019 filings • 501(c)9 • $250M-$1B nonprofits • Source year 2019

Top Officer Pay

66th percentile

$215,256

Higher top officer pay than 66% of similar nonprofits.

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

2019 filings • 501(c)9 • $250M-$1B nonprofits • Source year 2019

Asset Growth

34th percentile

7.1%

Faster asset growth than 34% of similar nonprofits.

2019 filings • 501(c)9 • $250M-$1B nonprofits • Annualized from 2018 to 2019

Revenue Growth

58th percentile

6.5%

Faster revenue growth than 58% of similar nonprofits.

2019 filings • 501(c)9 • $250M-$1B nonprofits • Annualized from 2018 to 2019

Balance Sheet
Liabilities / Assets83rd percentile

Assets

Up

$91,730,975

Up $6,113,104 (+7.1%) from 2018

Net Assets

Up

$64,235,458

Up $30,650,990 (+91%) from 2018

Liabilities

Down

$27,495,517

Down $24,537,886 (-47%) from 2018

Revenue And Expenses
Liabilities / Revenue55th percentileNet Margin15th percentile

Revenue

Up

$392,269,297

Up $24,064,049 (+6.5%) from 2018

Expenses

Up

$427,830,499

Up $20,449,236 (+5.0%) from 2018

Net Income

Up

-$35,561,202

Up $3,614,813 (+9.2%) from 2018

Historical Trend

Balance Sheet Trend

Asset Growth34th 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

2019

Assets$91,730,975
Liabilities$27,495,517
Net Assets$64,235,458
Open 2019 Filing

Operations Trend

Revenue Growth58th 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

2019

Revenue$392,269,297
Expenses$427,830,499
Net Income-$35,561,202
Open 2019 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2019 to Dec 31, 2019
Signed
Nov 9, 2020
Return Version
2019v5.1
Gross Receipts
$392,269,297
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$33,584,468$64,235,458▲ $30,650,990
Accounts Receivable$27,301,181$29,696,786▲ $2,395,605
Cash and Non-Interest-Bearing Accounts$342,101$230,247▼ $111,854
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$85,617,871$91,730,975▲ $6,113,104
Other Assets Total$57,974,589$61,803,942▲ $3,829,353
Liabilities
Accounts Payable and Accrued Expenses$49,132,161$22,338,115▼ $26,794,046
Other Liabilities$2,901,242$5,157,402▲ $2,256,160
Total Liabilities$52,033,403$27,495,517▼ $24,537,886
Net Assets / Fund Balance
Total Net Assets Fund Balance$33,584,468$64,235,458▲ $30,650,990
Total Liabilities and Net Assets / Fund Balance$85,617,871$91,730,975▲ $6,113,104

Asset Categories

AssetBook ValueDepreciationBasis
Other Assets Org$61,803,942--
Compensation and Service Providers
Top Officer Pay66th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Cameron DemlDirector of Insurance ProgFT$121,841$15,542$137,383

Board Members and Trustees

NameTitle
Clifford DailingTrustee
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$392,220,809
Investment Income
$48,488
Other Revenue
$0
Change in Net Assets
$-35,561,202
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$30,275,842
Salaries, Compensation, and Employee Benefits$563,957
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Benefits to Members---$396,990,700
Fees for Services Management---$12,942,921
Information Technology---$2,997,857
Insurance---$1,142,563
Office Expenses---$1,029,915
Fees for Services Other---$854,243
Occupancy---$502,699
Other Salaries and Wages---$280,266
Fees for Services Accounting---$236,900
Other Expenses---$147,374
Other Employee Benefits---$146,308
Current Officers, Directors, Trustees, and Key Employees---$137,383
Fees for Services Legal---$94,627
Travel---$79,025
Depreciation Depletion---$1,670
Total Functional Expenses$0$0$0$427,830,499
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
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Cash Overdraft$4,927,155
Other Liabilities$230,247
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Business relationship with 35% controlled entity
No
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 A, Line 3

“The organization has engaged claims administration corp. (cac), which is a subsidiary of aetna, a cvs health company, to administer the insurance plans. United states fire insurance company provides stop loss insurance for the plans.”

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

“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 15

“The finance committee of the related organization, national rural letter carriers' association, reviews salary data and establishes the compensation of the director 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
Phone
7036845545
Address
1630 DUKE STREET 4TH FLOOR, ALEXANDRIA, VA 22314-3465

Signing Officer

Name
Clifford Dailing
Title
Trustee
Phone
7036845545
Signed
2020-11-09
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
7501 WISCONSIN AVENUE SUITE 400E, BETHESDA, MD 20814
Preparer
DANIEL O'SHEA
Phone
3016529100
Supplemental Narrative

Additional Explanations

FORM 990, PART XI, LINE 9:

“Contingency reserve payments 66,214,817.”

Raw XML Appendix333 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
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IRS990/AccountsReceivableGrp/EOYAmt029696786
IRS990/ActivitiesConductedPrtshpInd00
IRS990/ActivityOrMissionDesc0THE 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.
IRS990/BenefitsToMembersGrp/TotalAmt0396990700
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IRS990/MissionDesc0THE 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.
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IRS990/ScheduleORequiredInd01
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0THE ORGANIZATION HAS ENGAGED CLAIMS ADMINISTRATION CORP. (CAC), WHICH IS A SUBSIDIARY OF AETNA, A CVS HEALTH COMPANY, TO ADMINISTER THE INSURANCE PLANS. UNITED STATES FIRE INSURANCE COMPANY PROVIDES STOP LOSS INSURANCE FOR THE PLANS.
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 FINANCE COMMITTEE OF THE RELATED ORGANIZATION, NATIONAL RURAL LETTER CARRIERS' ASSOCIATION, REVIEWS SALARY DATA AND ESTABLISHES THE COMPENSATION OF THE DIRECTOR OF INSURANCE PROGRAMS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3THE ORGANIZATION DOES NOT MAKE ITS GOVERNING DOCUMENTS, CONFLICT OF INTEREST POLICY, AND FINANCIAL STATEMENTS AVAILABLE TO THE PUBLIC.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4CONTINGENCY RESERVE PAYMENTS 66,214,817.
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0FORM 990, PART VI, SECTION A, LINE 3
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1FORM 990, PART VI, SECTION B, LINE 11B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2FORM 990, PART VI, SECTION B, LINE 15
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3FORM 990, PART VI, SECTION C, LINE 19
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4FORM 990, PART XI, LINE 9:
IRS990ScheduleR/AssetExchangeInd00
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ReturnHeader/TaxPeriodBeginDt02019-01-01
ReturnHeader/TaxPeriodEndDt02019-12-31
ReturnHeader/TaxYr02019

Document Assets

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Filings

Displayed year

2019 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$91,730,975
Liabilities
$27,495,517
Net assets
$64,235,458
Revenue
$392,269,297
Expenses
$427,830,499
Net income
-$35,561,202
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
Peer Organizations

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