Civic Intelligence

Nd Rec Benefit Trust

EIN 47-5256219 • 501(c)9 • Mandan, ND

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Profile

To Provide quality cost effective health benefits to foster a safe and healthy culture for our cooperative families.

PO Box 727Mandan, ND 58554

n/A

Siviq Scores

Precomputed percentiles relative to similar nonprofits. These scores are descriptive rather than judgmental.

Liabilities / Assets

47th percentile

0.01x

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

501(c)9 • $10M-$25M nonprofits • Source year 2024

Liabilities / Revenue

37th percentile

0.01x

Higher debt load relative to revenue than 37% of similar nonprofits.

501(c)9 • $10M-$25M nonprofits • Source year 2024

Net Margin

58th percentile

7.7%

Higher net margin than 58% of similar nonprofits.

501(c)9 • $10M-$25M nonprofits • Source year 2024

Top Officer Pay

Score unavailable

No value available

No filing with officer rows is available for this organization yet.

Asset Growth

83rd percentile

18%

Faster asset growth than 83% of similar nonprofits.

501(c)9 • $10M-$25M nonprofits • Annualized from 2022 to 2024

Revenue Growth

50th percentile

6.2%

Faster revenue growth than 50% of similar nonprofits.

501(c)9 • $10M-$25M nonprofits • Annualized from 2022 to 2024

Balance Sheet
Liabilities / Assets47th percentile

Assets

Up

$10,984,630

Up $1,487,667 (+16%) from 2023

Liabilities

Down

$103,239

Down $65,726 (-39%) from 2023

Net Assets

Up

$10,881,391

Up $1,553,393 (+17%) from 2023

Operations
Liabilities / Revenue37th percentileNet Margin58th percentile

Revenue

Up

$20,255,985

Up $721,976 (+3.7%) from 2023

Expenses

Up

$18,702,592

Up $551,465 (+3.0%) from 2023

Net Income

Up

$1,553,393

Up $170,511 (+12%) from 2023

Trend Graphs

Balance Sheet Trend

Asset Growth83rd percentile

Grouped bars show assets, liabilities, and net assets across loaded filings.

$15M$10M$5.0M$0Assets 2015: $903,539Liabilities 2015: $112,189Net Assets 2015: $791,3502015Assets 2016: $2,144,626Liabilities 2016: $191,981Net Assets 2016: $1,952,6452016Assets 2017: $3,092,695Liabilities 2017: $337,006Net Assets 2017: $2,755,6892017Assets 2018: $2,371,181Liabilities 2018: $11,630Net Assets 2018: $2,359,5512018Assets 2019: $5,291,752Liabilities 2019: $102,126Net Assets 2019: $5,189,6262019Assets 2020: $7,721,255Liabilities 2020: $186,771Net Assets 2020: $7,534,4842020Assets 2021: $7,495,679Liabilities 2021: $145,186Net Assets 2021: $7,350,4932021Assets 2022: $7,955,491Liabilities 2022: $10,375Net Assets 2022: $7,945,1162022Assets 2023: $9,496,963Liabilities 2023: $168,965Net Assets 2023: $9,327,9982023Assets 2024: $10,984,630Liabilities 2024: $103,239Net Assets 2024: $10,881,3912024

Highlighted filing

2024

Assets$10,984,630
Liabilities$103,239
Net Assets$10,881,391
Open 2024 Filing

Operations Trend

Revenue Growth50th percentile

Revenue, expenses, and net income by year, with the latest filing highlighted.

$30M$20M$10M$0-$10MRevenue 2015: $869,182Expenses 2015: $77,832Net Income 2015: $791,3502015Revenue 2016: $9,083,045Expenses 2016: $7,921,750Net Income 2016: $1,161,2952016Revenue 2017: $14,925,965Expenses 2017: $14,122,921Net Income 2017: $803,0442017Revenue 2018: $14,907,061Expenses 2018: $15,303,199Net Income 2018: -$396,1382018Revenue 2019: $16,788,692Expenses 2019: $13,958,617Net Income 2019: $2,830,0752019Revenue 2020: $17,955,769Expenses 2020: $15,610,911Net Income 2020: $2,344,8582020Revenue 2021: $17,736,079Expenses 2021: $17,920,070Net Income 2021: -$183,9912021Revenue 2022: $17,966,703Expenses 2022: $17,372,080Net Income 2022: $594,6232022Revenue 2023: $19,534,009Expenses 2023: $18,151,127Net Income 2023: $1,382,8822023Revenue 2024: $20,255,985Expenses 2024: $18,702,592Net Income 2024: $1,553,3932024

Highlighted filing

2024

Revenue$20,255,985
Expenses$18,702,592
Net Income$1,553,393
Open 2024 Filing

Filings

Most recent year

2024 • Form 990Facts available. Structured filing facts are available, but richer extracted sections are limited.

Open filing
Assets
$10,984,630
Liabilities
$103,239
Net assets
$10,881,391
Revenue
$20,255,985
Expenses
$18,702,592
Net income
$1,553,393
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Facts available. Structured filing facts are available, but richer extracted sections are limited.$11.0$0.10$10.9$20.3$18.7$1.55
2023Detailed filing. Detailed filing data is available for this year.$9.50$0.17$9.33$19.5$18.2$1.38
2022Detailed filing. Detailed filing data is available for this year.$7.96$0.01$7.95$18.0$17.4$0.59
2021Detailed filing. Detailed filing data is available for this year.$7.50$0.15$7.35$17.7$17.9$0.18
2020Detailed filing. Detailed filing data is available for this year.$7.72$0.19$7.53$18.0$15.6$2.34
2019Detailed filing. Detailed filing data is available for this year.$5.29$0.10$5.19$16.8$14.0$2.83
2018Detailed filing. Detailed filing data is available for this year.$2.37$0.01$2.36$14.9$15.3$0.40
2017Detailed filing. Detailed filing data is available for this year.$3.09$0.34$2.76$14.9$14.1$0.80
2016Detailed filing. Detailed filing data is available for this year.$2.14$0.19$1.95$9.08$7.92$1.16
2015Summary only. Only limited summary data is available for this year.$0.90$0.11$0.79$0.87$0.08$0.79
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2024 to Dec 31, 2024
Signed
Oct 20, 2025
Return Version
2024v5.2
Gross Receipts
$20,255,985
Mission and Program Overview

Mission

To Provide quality cost effective health benefits to foster a safe and healthy culture for our cooperative families.

The purpose of the Plan and this Trust is to create a federal and state tax exempt voluntary employees' beneficiary association described in the Internal Revenue Code Section 501(c)(9) and its related treasury regulations, to provide group health and other statutorily permitted insured or self-funded benefits as determined by the trustees to employees of the association's employers who agree to participate in the plan of this Trust.

Balance Sheet Detail
LineBeginningEndChange
Assets
Rtn Earn Endowment Incm Other Fnds$9,327,998$10,881,391▲ $1,553,393
Investments Other Securities$7,401,851$7,666,476▲ $264,625
Savings and Temporary Cash Investments$1,430,009$2,051,436▲ $621,427
Accounts Receivable$526,000$1,084,815▲ $558,815
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$9,496,963$10,984,630▲ $1,487,667
Other Assets Total$139,103$181,903▲ $42,800
Liabilities
Deferred Revenue$161,236$95,533▼ $65,703
Accounts Payable and Accrued Expenses$7,729$7,706▼ $23
Total Liabilities$168,965$103,239▼ $65,726
Net Assets / Fund Balance
Total Net Assets Fund Balance$9,327,998$10,881,391▲ $1,553,393
Total Liabilities and Net Assets / Fund Balance$9,496,963$10,984,630▲ $1,487,667

Asset Categories

AssetBook ValueDepreciationBasis
Other Securities$7,666,476--
Compensation and Service Providers
Top Officer PayScore unavailable

Board Members and Trustees

NameTitle
Josh KramerChair
Christel LaskowskiVice Chair See Sch O Explanation
Brandy HansenTrustee (From Dec) See Sch O Explanation
Jennifer SchulzTrustee (From Dec) See Sch O Explanation
Krystyn SyversenTrustee (From Dec) See Sch O Explanation
Jay LuxTrustee (Until Dec) See Sch O Explanation
Robert WhalenTrustee (Until Nov) and Alternate See Sch O Expl
Kelly WaldTrustee (Until Nov) See Sch O Explanation
Brooke WaltnerTrustee See Sch O Explanation
Cheryl BelleTrustee See Sch O Explanation
Jerry KingTrustee See Sch O Explanation
Julie ArmijoTrustee See Sch O Explanation
Kandace D'AmbrosioTrustee See Sch O Explanation
Marcy SandersTrustee See Sch O Explanation
Michaela Kathrein PerbixTrustee See Sch O Explanation
Theresa HalversonTrustee See Sch O Explanation
Tom EdwardsTrustee See Sch O Explanation
Cole HendricksonAlternate (From Dec) See Sch O Explanation
Brooke WatterudAlternate (From Nov) See Sch O Explanation
Chad SapaAlternate (Until Dec) See Sch O Explanation
Jami HovetAlternate (Until Dec) See Sch O Explanation
Lenell JepsenAlternate (Until Oct) See Sch O Explanation
Alex CraigmileAlternate See Sch O Explanation
Casey JansAlternate See Sch O Explanation
Dean VolkAlternate See Sch O Explanation
Brenna OhmanNDAREC Alternate
Sarah DawsonSecretary/Treasurer See Sch O Explanation

Highest Paid Contractors

ContractorServicesLocationCompensation
Blue Cross Blue Shield of NDThird-Party Claims Administrator4510 13th Ave S, Fargo, ND 58121$974,094
NdarecAdministrative Services3201 Nygren Dr NW, Mandan, ND 58554$139,385
Brown & BrownConsulting Fees111 W Monroe St, Chicago, IL 60603$112,083
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$19,675,051
Investment Income
$580,934
Other Revenue
$0
Change in Net Assets
$1,553,393

Audited Revenue Reconciliation

Revenue per Audited Statements
$20,255,985
Revenue Not Reported on Financial Statements
$0
Revenue Not Reported on Form 990
$0
Total Revenue per Audited Statements
$20,255,985
Total Revenue per Form 990
$20,255,985
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$3,587,059
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Salaries, Compensation, and Employee Benefits$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Benefits to Members---$15,115,533
Fees for Services Other---$1,179,644
Fees for Services Accounting---$20,758
Advertising---$12,797
Other Expenses---$6,811
Insurance---$5,840
Occupancy---$3,000
Conferences and Meetings---$1,626
Office Expenses---$403
Travel---$233
Total Functional Expenses$0$0$0$18,702,592

Audited Expense Reconciliation

Line ItemAmount
Expenses per Audited Statements$18,702,592
Total Expenses per Audited Statements$18,702,592
Total Expenses per Form 990$18,702,592
Expenses Not Reported on Financial Statements$0
Expenses Not Reported on Form 990$0
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
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
Yes
Audit committee
No
Backup withholding compliance
Yes
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
No
Other officer compensation reviewed
No
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 1A

“Each qualified Employer may appoint one regular voting Trustee. Fifteen of the Employers have elected a trustee with voting rights and one participating Employer has chosen not to appoint a voting trustee. An Alternate Trustee may be appointed to vote; however, the Alternate Trustee shall only vote in the absence of the regular Trustee representative.”

Form 990, Part VI, Section A, line 6

“The members of the ND REC Benefit Trust consists of participating employers of an electric distribution cooperative or generation and transmission cooperative which is a voting member of NDAREC, or a management services company or a subsidiary that is owned by a voting member or voting members of NDAREC. An Employer must also be a party to a written agreement which provides for the making of contributions to the Trust with respect to its Employees. NDAREC and its subsidiaries shall also be an Employer.”

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

“The Trust shall be administered by a Board of Trustees, which shall consist of one voting representative of each participating Employer, which is a voting member of the Association. Each qualified Employer may elect or appoint one regular voting Trustee representative and an Alternate Trustee to represent the Employer in the absence of the regular Trustee representative. In addition, a voting representative Trustee seat on the board shall be held by NDAREC's Executive Vice President and General Manager.”

Form 990, Part VI, Section A, line 8B

“There is no committee with authority to act on behalf of the governing body.”

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

“The Form 990 will be provided to the trustees via e-mail for review before filing.”

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

“Trustees and Alternates annually review the conflict of interest policy and report any potential conflicts of interest. Any conflicts that are disclosed are reviewed by the remaining Trustees and Alternates. Trustees or Alternates with a conflict recuse themselves from voting on issues in which they have a conflict.”

Form 990, Part VI, Section C, line 19

“These documents were not made available to the public.”

Form 990, Part VII, Section A, Line 1A, Column (E) and (F):

“Reasonable Effort to Obtain Compensation: ND REC Benefit Trust e-mailed both the trustees and alternatives of the board with voting powers requesting compensation and benefits paid by a related organization. The organization was able to obtain compensation for two trustees. They were unable to obtain the requested information from the remaining trustees and alternatives.”

Filing and Contact Details

Filer

Filer Name
ND REC Benefit Trust
EIN
47-5256219
Phone
7016636501
Address
PO Box 727, Mandan, ND 58554

Signing Officer

Name
Josh Kramer
Title
Chair
Phone
7016636501
Signed
2025-10-20
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Josh Kramer
Formed
2015
Legal Domicile
Nd
Voting Board Members
15
Independent Board Members
0
Employees
0
Volunteers
24

Preparer

Firm
Eide Bailly LLP
Address
4585 Coleman St Ste 200, Bismarck, ND 58503
Preparer
Lisa Chaffee CPA
Phone
7012551091
Supplemental Narrative

Financial Statement Notes

Part X, Line 2:

“Accounting principles generally accepted in the United States of America require Plan management to evaluate tax positions taken by the Plan and recognize a tax liability (or asset) if the Plan has taken an uncertain position that more likely than not would not be sustained upon examination by the Internal Revenue Service. The Plan is subject to routine audits by taxing jurisdictions; however, there are currently no audits for any tax periods in progress.”

Raw XML AppendixShowing 400 of 598 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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IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd15X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd16X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd17X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd18X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd19X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd20X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd21X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd22X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd23X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd24X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd25X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd26X
IRS990/Form990PartVIISectionAGrp/OfficerInd0X
IRS990/Form990PartVIISectionAGrp/OfficerInd1X
IRS990/Form990PartVIISectionAGrp/OfficerInd2X
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt067623
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt114169
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt20
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt30
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt40
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt50
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt60
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt70
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt80
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt90
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt100
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt110
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt120
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt130
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt140
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt150
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt160
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt170
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt180
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt190
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt200
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt210
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt220
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt230
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt240
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt250
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt260
IRS990/Form990PartVIISectionAGrp/PersonNm0Josh Kramer
IRS990/Form990PartVIISectionAGrp/PersonNm1Brenna Ohman
IRS990/Form990PartVIISectionAGrp/PersonNm2Christel Laskowski
IRS990/Form990PartVIISectionAGrp/PersonNm3Sarah Dawson
IRS990/Form990PartVIISectionAGrp/PersonNm4Brooke Watterud
IRS990/Form990PartVIISectionAGrp/PersonNm5Lenell Jepsen
IRS990/Form990PartVIISectionAGrp/PersonNm6Jerry King
IRS990/Form990PartVIISectionAGrp/PersonNm7Kandace D'Ambrosio
IRS990/Form990PartVIISectionAGrp/PersonNm8Theresa Halverson
IRS990/Form990PartVIISectionAGrp/PersonNm9Casey Jans
IRS990/Form990PartVIISectionAGrp/PersonNm10Kelly Wald
IRS990/Form990PartVIISectionAGrp/PersonNm11Krystyn Syversen
IRS990/Form990PartVIISectionAGrp/PersonNm12Alex Craigmile
IRS990/Form990PartVIISectionAGrp/PersonNm13Marcy Sanders
IRS990/Form990PartVIISectionAGrp/PersonNm14Julie Armijo
IRS990/Form990PartVIISectionAGrp/PersonNm15Jennifer Schulz
IRS990/Form990PartVIISectionAGrp/PersonNm16Robert Whalen
IRS990/Form990PartVIISectionAGrp/PersonNm17Cole Hendrickson
IRS990/Form990PartVIISectionAGrp/PersonNm18Brandy Hansen
IRS990/Form990PartVIISectionAGrp/PersonNm19Jay Lux
IRS990/Form990PartVIISectionAGrp/PersonNm20Tom Edwards
IRS990/Form990PartVIISectionAGrp/PersonNm21Cheryl Belle
IRS990/Form990PartVIISectionAGrp/PersonNm22Michaela Kathrein Perbix
IRS990/Form990PartVIISectionAGrp/PersonNm23Brooke Waltner
IRS990/Form990PartVIISectionAGrp/PersonNm24Chad Sapa
IRS990/Form990PartVIISectionAGrp/PersonNm25Dean Volk
IRS990/Form990PartVIISectionAGrp/PersonNm26Jami Hovet
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt00
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt10
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt20
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt30
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt40
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt50
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt60
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt70
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt80
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt90
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt100
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt110
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt120
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt130
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt140
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt150
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt160
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt170
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt180
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt190
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt200
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt210
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt220
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt230
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt240
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt250
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt260
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt0245915
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt1142109
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/ReportableCompFromRltdOrgAmt110
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt120
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt130
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt140
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt150
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt160
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt170
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt180
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt190
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt200
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt210
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt220
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt230
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt240
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt250
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt260
IRS990/Form990PartVIISectionAGrp/TitleTxt0Chair
IRS990/Form990PartVIISectionAGrp/TitleTxt1NDAREC Alternate
IRS990/Form990PartVIISectionAGrp/TitleTxt2Vice Chair See Sch O Explanation
IRS990/Form990PartVIISectionAGrp/TitleTxt3Secretary/Treasurer See Sch O Explanation
IRS990/Form990PartVIISectionAGrp/TitleTxt4Alternate (From Nov) See Sch O Explanation
IRS990/Form990PartVIISectionAGrp/TitleTxt5Alternate (Until Oct) See Sch O Explanation
IRS990/Form990PartVIISectionAGrp/TitleTxt6Trustee See Sch O Explanation
IRS990/Form990PartVIISectionAGrp/TitleTxt7Trustee See Sch O Explanation
IRS990/Form990PartVIISectionAGrp/TitleTxt8Trustee See Sch O Explanation
IRS990/Form990PartVIISectionAGrp/TitleTxt9Alternate See Sch O Explanation
IRS990/Form990PartVIISectionAGrp/TitleTxt10Trustee (Until Nov) See Sch O Explanation
IRS990/Form990PartVIISectionAGrp/TitleTxt11Trustee (From Dec) See Sch O Explanation
IRS990/Form990PartVIISectionAGrp/TitleTxt12Alternate See Sch O Explanation
IRS990/Form990PartVIISectionAGrp/TitleTxt13Trustee See Sch O Explanation
IRS990/Form990PartVIISectionAGrp/TitleTxt14Trustee See Sch O Explanation
IRS990/Form990PartVIISectionAGrp/TitleTxt15Trustee (From Dec) See Sch O Explanation
IRS990/Form990PartVIISectionAGrp/TitleTxt16Trustee (Until Nov) and Alternate See Sch O Expl
IRS990/Form990PartVIISectionAGrp/TitleTxt17Alternate (From Dec) See Sch O Explanation
IRS990/Form990PartVIISectionAGrp/TitleTxt18Trustee (From Dec) See Sch O Explanation
IRS990/Form990PartVIISectionAGrp/TitleTxt19Trustee (Until Dec) See Sch O Explanation
IRS990/Form990PartVIISectionAGrp/TitleTxt20Trustee See Sch O Explanation
IRS990/Form990PartVIISectionAGrp/TitleTxt21Trustee See Sch O Explanation
IRS990/Form990PartVIISectionAGrp/TitleTxt22Trustee See Sch O Explanation
IRS990/Form990PartVIISectionAGrp/TitleTxt23Trustee See Sch O Explanation
IRS990/Form990PartVIISectionAGrp/TitleTxt24Alternate (Until Dec) See Sch O Explanation
IRS990/Form990PartVIISectionAGrp/TitleTxt25Alternate See Sch O Explanation
IRS990/Form990PartVIISectionAGrp/TitleTxt26Alternate (Until Dec) See Sch O Explanation
IRS990/Form990ProvidedToGvrnBodyInd01
IRS990/Form990TFiledInd01
IRS990/FormationYr02015
IRS990/FormerOfcrEmployeesListedInd00
IRS990/FSAuditedBasisGrp/SeparateBasisFinclStmtInd0X
IRS990/FSAuditedInd01
IRS990/FundraisingActivitiesInd00
IRS990/GamingActivitiesInd00
IRS990/GoverningBodyVotingMembersCnt015
IRS990/GrantsToIndividualsInd00
IRS990/GrantsToOrganizationsInd00
IRS990/GrantToRelatedPersonInd00
IRS990/GrossReceiptsAmt020255985
IRS990/GroupReturnForAffiliatesInd00
IRS990/IncludeFIN48FootnoteInd01
IRS990/IndependentAuditFinclStmtInd01
IRS990/IndependentVotingMemberCnt00
IRS990/IndivRcvdGreaterThan100KCnt00
IRS990/IndoorTanningServicesInd00
IRS990/InfoInScheduleOPartVIIInd0X
IRS990/InfoInScheduleOPartVIInd0X
IRS990/InsuranceGrp/TotalAmt05840
IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt0580934
IRS990/InvestmentIncomeGrp/UnrelatedBusinessRevenueAmt0580934
IRS990/InvestmentInJointVentureInd00
IRS990/InvestmentsOtherSecuritiesGrp/BOYAmt07401851
IRS990/InvestmentsOtherSecuritiesGrp/EOYAmt07666476
IRS990/IRPDocumentCnt02
IRS990/IRPDocumentW2GCnt00
IRS990/LegalDomicileStateCd0ND
IRS990/LoanOutstandingInd00
IRS990/LocalChaptersInd00
IRS990/MaterialDiversionOrMisuseInd00
IRS990/MembersOrStockholdersInd01
IRS990/MethodOfAccountingAccrualInd0X
IRS990/MinutesOfCommitteesInd00
IRS990/MinutesOfGoverningBodyInd01
IRS990/MissionDesc0To Provide quality cost effective health benefits to foster a safe and healthy culture for our cooperative families.
IRS990/MoreThan5000KToIndividualsInd00
IRS990/MoreThan5000KToOrgInd00
IRS990/NetAssetsOrFundBalancesBOYAmt09327998
IRS990/NetAssetsOrFundBalancesEOYAmt010881391
IRS990/NetUnrelatedBusTxblIncmAmt00
IRS990/NondeductibleContributionsInd00
IRS990/OccupancyGrp/TotalAmt03000
IRS990/OfficeExpensesGrp/TotalAmt0403
IRS990/OfficerMailingAddressInd00
IRS990/OperateHospitalInd00
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowFASB117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt0139103
IRS990/OtherAssetsTotalGrp/EOYAmt0181903
IRS990/OtherChangesInNetAssetsAmt00
IRS990/OtherExpensesGrp/Desc0Premiums Paid to Insura
IRS990/OtherExpensesGrp/Desc1Payment Integrity Retai
IRS990/OtherExpensesGrp/Desc2Affordable Care Act Fee
IRS990/OtherExpensesGrp/TotalAmt02308575
IRS990/OtherExpensesGrp/TotalAmt147372
IRS990/OtherExpensesGrp/TotalAmt26811
IRS990/PartialLiquidationInd00
IRS990/PdInCapSrplsLandBldgEqpFundGrp/BOYAmt00
IRS990/PdInCapSrplsLandBldgEqpFundGrp/EOYAmt00
IRS990/PoliticalCampaignActyInd00
IRS990/PrincipalOfficerNm0Josh Kramer
IRS990/ProfessionalFundraisingInd00
IRS990/ProgramServiceRevenueGrp/BusinessCd0525100
IRS990/ProgramServiceRevenueGrp/Desc0Participating Member Contribution
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IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt019675051
IRS990/ProhibitedTaxShelterTransInd00
IRS990/PYBenefitsPaidToMembersAmt014451480
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IRS990/PYGrantsAndSimilarPaidAmt00
IRS990/PYInvestmentIncomeAmt0409348
IRS990/PYOtherExpensesAmt03699647
IRS990/PYOtherRevenueAmt00
IRS990/PYProgramServiceRevenueAmt019124661
IRS990/PYRevenuesLessExpensesAmt01382882
IRS990/PYSalariesCompEmpBnftPaidAmt00
IRS990/PYTotalExpensesAmt018151127
IRS990/PYTotalProfFndrsngExpnsAmt00
IRS990/PYTotalRevenueAmt019534009
IRS990/ReconcilationRevenueExpnssAmt01553393
IRS990/RegularMonitoringEnfrcInd01
IRS990/RelatedEntityInd01
IRS990/RelatedOrganizationCtrlEntInd00
IRS990/ReportInvestmentsOtherSecInd01
IRS990/ReportLandBuildingEquipmentInd00
IRS990/ReportOtherAssetsInd00
IRS990/ReportOtherLiabilitiesInd00
IRS990/ReportProgramRelatedInvstInd00
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt09327998

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