Civic Intelligence

Nd Rec Benefit Trust

990 • Fiscal year 2018 • EIN 47-5256219

Jan 01, 2018 to Dec 31, 2018 • Filed on Nov 11, 2019

PO Box 727Mandan, ND 58554

(701) 663-6501

Siviq Scores

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

Liabilities / Assets

35th percentile

0.00x

Higher debt load relative to assets than 35% of similar nonprofits.

2018 filings • 501(c)9 • $10M-$25M nonprofits • Source year 2018

Liabilities / Revenue

23rd percentile

0.00x

Higher debt load relative to revenue than 23% of similar nonprofits.

2018 filings • 501(c)9 • $10M-$25M nonprofits • Source year 2018

Net Margin

24th percentile

-2.7%

Higher net margin than 24% of similar nonprofits.

2018 filings • 501(c)9 • $10M-$25M nonprofits • Source year 2018

Top Officer Pay

88th percentile

$239,994

Higher top officer pay than 88% of similar nonprofits.

Top officer pay equals 1.6% of source-year revenue.

2018 filings • 501(c)9 • $10M-$25M nonprofits • Source year 2018

Asset Growth

7th percentile

-23%

Faster asset growth than 7% of similar nonprofits.

2018 filings • 501(c)9 • $10M-$25M nonprofits • Annualized from 2017 to 2018

Revenue Growth

34th percentile

-0.1%

Faster revenue growth than 34% of similar nonprofits.

2018 filings • 501(c)9 • $10M-$25M nonprofits • Annualized from 2017 to 2018

Assets

Down

$2,371,181

Down $721,514 (-23%) from 2017

Net Assets

Down

$2,359,551

Down $396,138 (-14%) from 2017

Liabilities

Down

$11,630

Down $325,376 (-97%) from 2017

Revenue

Down

$14,907,061

Down $18,904 (-0.1%) from 2017

Expenses

Up

$15,303,199

Up $1,180,278 (+8.4%) from 2017

Net Income

Down

-$396,138

Down $1,199,182 (-149%) from 2017

Historical Trend

Balance Sheet Trend

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

$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

2018

Assets$2,371,181
Liabilities$11,630
Net Assets$2,359,551

Operations Trend

Revenue, expenses, and net income across loaded years, with this 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

2018

Revenue$14,907,061
Expenses$15,303,199
Net Income-$396,138
Jump To
Filing Snapshot
Filing Period
Jan 1, 2018 to Dec 31, 2018
Signed
Nov 11, 2019
Return Version
2018v3.1
Gross Receipts
$14,907,061
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$2,755,689$2,359,551▼ $396,138
Savings and Temporary Cash Investments$996,669$997,574▲ $905
Accounts Receivable$390,000$861,278▲ $471,278
Investments Other Securities$1,696,144$506,937▼ $1,189,207
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$3,092,695$2,371,181▼ $721,514
Other Assets Total$9,882$5,392▼ $4,490
Liabilities
Deferred Revenue$326,868--
Accounts Payable and Accrued Expenses$10,138$11,630▲ $1,492
Total Liabilities$337,006$11,630▼ $325,376
Net Assets / Fund Balance
Total Net Assets Fund Balance$2,755,689$2,359,551▼ $396,138
Total Liabilities and Net Assets / Fund Balance$3,092,695$2,371,181▼ $721,514

Asset Categories

AssetBook ValueDepreciationBasis
Other Securities$506,937--
Compensation and Service Providers

Board Members and Trustees

NameTitle
Josh KramerChair
Christel LaskowskiVice Chair - See Sch. O Ex
Linda Otterson thru August 2018Secretary/treasurer - See
Tori KlingSecretary/treasurer - See
Alex Craigmile ALTERNATESee Sch. O Explanation
Bob Feeley ALTERNATESee Sch. O Explanation
Brandy Hansen ALTERNATESee Sch. O Explanation
Bruce Garber ALTERNATESee Sch. O Explanation
Casey Jans ALTERNATESee Sch. O Explanation
Chad Sapa ALTERNATESee Sch. O Explanation
Cheryl Belle TRUSTEESee Sch. O Explanation
Cindy Ternes ALTERNATESee Sch. O Explanation
Dave Klein TRUSTEESee Sch. O Explanation
Dean Volk ALTERNATESee Sch. O Explanation
Don Franklund ALTERNATE thru JulySee SCH. O EXPLANATION
Jackie Kovash TRUSTEESee Sch. O Explanation
Jackie Miller TRUSTEESee Sch. O Explanation
Jason Bentz ALTERNATESee Sch. O Explanation
Jay Lux TRUSTEESee Sch. O Explanation
Jeffrey Franck ALTERNATE thru AugSee SCH. O EXPLANATION
Jerry King TRUSTEESee Sch. O Explanation
Jessica Mack TRUSTEESee Sch. O Explanation
JoAnn Lunstad ALTERNATESee Sch. O Explanation
Kelly Wald TRUSTEESee Sch. O Explanation
Mick Kossan ALTERNATESee Sch. O Explanation
Mylo Einarson TRUSTEESee Sch. O Explanation
Robert McLennan TRUSTEESee Sch. O Explanation
Teresa Bauer TRUSTEESee Sch. O Explanation
Timothy DockterTRUSTEESee Sch. O Explanation
Tom Edwards ALTERNATESee Sch. O Explanation
Travis Kupper TRUSTEE thru AprilSee SCH. O EXPLANATION

Highest Paid Contractors

ContractorServicesLocationCompensation
Middaugh Benefits ConsultantsBroker FeesPO Box 2543, Fargo, ND 58108$159,981
NdarecAdministrative services3201 Nygren Dr NW, Mandan, ND 58554$134,947
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$14,850,194
Investment Income
$56,867
Other Revenue
$0
Change in Net Assets
$-396,138

Audited Revenue Reconciliation

Revenue per Audited Statements
$14,907,061
Revenue Not Reported on Financial Statements
$0
Revenue Not Reported on Form 990
$0
Total Revenue per Audited Statements
$14,907,061
Total Revenue per Form 990
$14,907,061
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$3,585,282
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---$11,717,917
Fees for Services Other---$1,231,785
Fees for Services Legal---$14,379
Other Expenses---$7,080
Insurance---$4,847
Office Expenses---$3,286
Conferences and Meetings---$2,244
Advertising---$1,069
Travel---$951
Total Functional Expenses$0$0$0$15,303,199

Audited Expense Reconciliation

Line ItemAmount
Expenses per Audited Statements$15,303,199
Total Expenses per Audited Statements$15,303,199
Total Expenses per Form 990$15,303,199
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 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 1

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 requesting compensation and benefits paid by a related organization. The organization was able to obtain compensation for one trustee. 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
2019-11-11
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
15

Preparer

Firm
Eide Bailly Llp
Address
1730 BURNT BOAT LOOP STE100, BISMARCK, ND 58503-0886
Preparer
Lisa Chaffee CPA
Phone
7012551091
Supplemental Narrative

Financial Statement Notes

Part X, Line 2:

The Trust established under the Plan to hold the Plan's assets received an exemption letter from the Internal Revenue Service dated April 18, 2016, stating that the Trust is qualified pursuant to Section 501(c)(9) of the Internal Revenue Code (IRC). In addition, the Plan and the Trust are required to operate in conformity with the IRC to maintain the tax-exempt status of the Trust. The Plan Administrator is not aware of any action or event that has occurred that might affect the Trust's qualified tax-exempt status. 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.

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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/OtherCompensationAmt270
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt280
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt290
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt300
IRS990/Form990PartVIISectionAGrp/PersonNm0Josh Kramer
IRS990/Form990PartVIISectionAGrp/PersonNm1Christel Laskowski
IRS990/Form990PartVIISectionAGrp/PersonNm2Tori Kling
IRS990/Form990PartVIISectionAGrp/PersonNm3Linda Otterson thru August 2018
IRS990/Form990PartVIISectionAGrp/PersonNm4Jerry King TRUSTEE
IRS990/Form990PartVIISectionAGrp/PersonNm5JoAnn Lunstad ALTERNATE
IRS990/Form990PartVIISectionAGrp/PersonNm6Jessica Mack TRUSTEE
IRS990/Form990PartVIISectionAGrp/PersonNm7Chad Sapa ALTERNATE
IRS990/Form990PartVIISectionAGrp/PersonNm8Dave Klein TRUSTEE
IRS990/Form990PartVIISectionAGrp/PersonNm9Mick Kossan ALTERNATE
IRS990/Form990PartVIISectionAGrp/PersonNm10Kelly Wald TRUSTEE
IRS990/Form990PartVIISectionAGrp/PersonNm11Casey Jans ALTERNATE
IRS990/Form990PartVIISectionAGrp/PersonNm12Timothy DockterTRUSTEE
IRS990/Form990PartVIISectionAGrp/PersonNm13Don Franklund ALTERNATE thru July
IRS990/Form990PartVIISectionAGrp/PersonNm14Alex Craigmile ALTERNATE
IRS990/Form990PartVIISectionAGrp/PersonNm15Robert McLennan TRUSTEE
IRS990/Form990PartVIISectionAGrp/PersonNm16Bob Feeley ALTERNATE
IRS990/Form990PartVIISectionAGrp/PersonNm17Jackie Miller TRUSTEE
IRS990/Form990PartVIISectionAGrp/PersonNm18Cindy Ternes ALTERNATE
IRS990/Form990PartVIISectionAGrp/PersonNm19Jay Lux TRUSTEE
IRS990/Form990PartVIISectionAGrp/PersonNm20Brandy Hansen ALTERNATE
IRS990/Form990PartVIISectionAGrp/PersonNm21Mylo Einarson TRUSTEE
IRS990/Form990PartVIISectionAGrp/PersonNm22Tom Edwards ALTERNATE
IRS990/Form990PartVIISectionAGrp/PersonNm23Cheryl Belle TRUSTEE
IRS990/Form990PartVIISectionAGrp/PersonNm24Bruce Garber ALTERNATE
IRS990/Form990PartVIISectionAGrp/PersonNm25Travis Kupper TRUSTEE thru April
IRS990/Form990PartVIISectionAGrp/PersonNm26Jackie Kovash TRUSTEE
IRS990/Form990PartVIISectionAGrp/PersonNm27Jason Bentz ALTERNATE
IRS990/Form990PartVIISectionAGrp/PersonNm28Teresa Bauer TRUSTEE
IRS990/Form990PartVIISectionAGrp/PersonNm29Dean Volk ALTERNATE
IRS990/Form990PartVIISectionAGrp/PersonNm30Jeffrey Franck ALTERNATE thru Aug
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/ReportableCompFromOrgAmt270
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt280
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt290
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt300
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt0188398
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/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/ReportableCompFromRltdOrgAmt270
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt280
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt290
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt300
IRS990/Form990PartVIISectionAGrp/TitleTxt0CHAIR
IRS990/Form990PartVIISectionAGrp/TitleTxt1VICE CHAIR - SEE SCH. O EX
IRS990/Form990PartVIISectionAGrp/TitleTxt2SECRETARY/TREASURER - SEE
IRS990/Form990PartVIISectionAGrp/TitleTxt3SECRETARY/TREASURER - SEE
IRS990/Form990PartVIISectionAGrp/TitleTxt4SEE SCH. O EXPLANATION
IRS990/Form990PartVIISectionAGrp/TitleTxt5SEE SCH. O EXPLANATION
IRS990/Form990PartVIISectionAGrp/TitleTxt6SEE SCH. O EXPLANATION
IRS990/Form990PartVIISectionAGrp/TitleTxt7SEE SCH. O EXPLANATION
IRS990/Form990PartVIISectionAGrp/TitleTxt8SEE SCH. O EXPLANATION
IRS990/Form990PartVIISectionAGrp/TitleTxt9SEE SCH. O EXPLANATION
IRS990/Form990PartVIISectionAGrp/TitleTxt10SEE SCH. O EXPLANATION
IRS990/Form990PartVIISectionAGrp/TitleTxt11SEE SCH. O EXPLANATION
IRS990/Form990PartVIISectionAGrp/TitleTxt12SEE SCH. O EXPLANATION
IRS990/Form990PartVIISectionAGrp/TitleTxt13See SCH. O EXPLANATION
IRS990/Form990PartVIISectionAGrp/TitleTxt14SEE SCH. O EXPLANATION
IRS990/Form990PartVIISectionAGrp/TitleTxt15SEE SCH. O EXPLANATION
IRS990/Form990PartVIISectionAGrp/TitleTxt16SEE SCH. O EXPLANATION
IRS990/Form990PartVIISectionAGrp/TitleTxt17SEE SCH. O EXPLANATION
IRS990/Form990PartVIISectionAGrp/TitleTxt18SEE SCH. O EXPLANATION
IRS990/Form990PartVIISectionAGrp/TitleTxt19SEE SCH. O EXPLANATION
IRS990/Form990PartVIISectionAGrp/TitleTxt20SEE SCH. O EXPLANATION
IRS990/Form990PartVIISectionAGrp/TitleTxt21SEE SCH. O EXPLANATION
IRS990/Form990PartVIISectionAGrp/TitleTxt22SEE SCH. O EXPLANATION
IRS990/Form990PartVIISectionAGrp/TitleTxt23SEE SCH. O EXPLANATION
IRS990/Form990PartVIISectionAGrp/TitleTxt24SEE SCH. O EXPLANATION
IRS990/Form990PartVIISectionAGrp/TitleTxt25See SCH. O EXPLANATION
IRS990/Form990PartVIISectionAGrp/TitleTxt26SEE SCH. O EXPLANATION
IRS990/Form990PartVIISectionAGrp/TitleTxt27SEE SCH. O EXPLANATION
IRS990/Form990PartVIISectionAGrp/TitleTxt28SEE SCH. O EXPLANATION
IRS990/Form990PartVIISectionAGrp/TitleTxt29SEE SCH. O EXPLANATION
IRS990/Form990PartVIISectionAGrp/TitleTxt30See 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/GrossReceiptsAmt014907061
IRS990/GroupReturnForAffiliatesInd00
IRS990/IncludeFIN48FootnoteInd01
IRS990/IndependentAuditFinclStmtInd01
IRS990/IndependentVotingMemberCnt00
IRS990/IndivRcvdGreaterThan100KCnt00
IRS990/IndoorTanningServicesInd00
IRS990/InfoInScheduleOPartVIIInd0X
IRS990/InfoInScheduleOPartVIInd0X
IRS990/InsuranceGrp/TotalAmt04847
IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt056867
IRS990/InvestmentIncomeGrp/UnrelatedBusinessRevenueAmt056867
IRS990/InvestmentInJointVentureInd00
IRS990/InvestmentsOtherSecuritiesGrp/BOYAmt01696144
IRS990/InvestmentsOtherSecuritiesGrp/EOYAmt0506937
IRS990/IRPDocumentCnt01
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/NetAssetsOrFundBalancesBOYAmt02755689
IRS990/NetAssetsOrFundBalancesEOYAmt02359551
IRS990/NetUnrelatedBusTxblIncmAmt00
IRS990/NondeductibleContributionsInd00
IRS990/OfficeExpensesGrp/TotalAmt03286
IRS990/OfficerMailingAddressInd00
IRS990/OperateHospitalInd00
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowSFAS117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt09882
IRS990/OtherAssetsTotalGrp/EOYAmt05392
IRS990/OtherChangesInNetAssetsAmt00
IRS990/OtherExpensesGrp/Desc0Stop Loss Reinsurance F
IRS990/OtherExpensesGrp/Desc1Affordable Care Act fee
IRS990/OtherExpensesGrp/TotalAmt02319641
IRS990/OtherExpensesGrp/TotalAmt17080
IRS990/PartialLiquidationInd00
IRS990/PdInCapSrplsLandBldgEqpFundGrp/BOYAmt00
IRS990/PdInCapSrplsLandBldgEqpFundGrp/EOYAmt00
IRS990/PoliticalCampaignActyInd00
IRS990/PrincipalOfficerNm0Josh Kramer
IRS990/ProfessionalFundraisingInd00
IRS990/ProgramServiceRevenueGrp/BusinessCd0525100
IRS990/ProgramServiceRevenueGrp/Desc0Contributions
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt014847418
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt014847418
IRS990/ProhibitedTaxShelterTransInd00

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