Civic Intelligence

Cn Enterprises Health Plan Trust

EIN 81-4972795 • 501(c)9 • Ada, OK

Profile

To assist employers of the trust in providing health and welfare benefits to eligible employees and dependents, and to serve to help make healthcare sustainable for members of the trust.

1921 Cradduck Rd 200Ada, OK 74820

n/A

Siviq Scores

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

Liabilities / Assets

58th percentile

0.03x

Higher debt load relative to assets than 58% of similar nonprofits.

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

Liabilities / Revenue

42nd percentile

0.01x

Higher debt load relative to revenue than 42% of similar nonprofits.

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

Net Margin

50th percentile

4.4%

Higher net margin than 50% 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

91st percentile

27%

Faster asset growth than 91% of similar nonprofits.

501(c)9 • $10M-$25M nonprofits • Annualized from 2021 to 2024

Revenue Growth

67th percentile

12%

Faster revenue growth than 67% of similar nonprofits.

501(c)9 • $10M-$25M nonprofits • Annualized from 2021 to 2024

Assets

Up

$5,475,382

Up $743,243 (+16%) from 2023

Liabilities

Down

$190,287

Down $178,643 (-48%) from 2023

Net Assets

Up

$5,285,095

Up $921,886 (+21%) from 2023

Revenue

Down

$21,166,821

Down $2,302,154 (-9.8%) from 2023

Expenses

Up

$20,244,935

Up $825,140 (+4.2%) from 2023

Net Income

Down

$921,886

Down $3,127,294 (-77%) from 2023

Trend Graphs

Balance Sheet Trend

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

$6.0M$4.0M$2.0M$0Assets 2017: $1,722,966Liabilities 2017: $608,009Net Assets 2017: $1,114,9572017Assets 2018: $2,623,693Liabilities 2018: $580,653Net Assets 2018: $2,043,0402018Assets 2019: $3,897,285Liabilities 2019: $783,340Net Assets 2019: $3,113,9452019Assets 2020: $1,812,935Liabilities 2020: $538,035Net Assets 2020: $1,274,9002020Assets 2021: $2,643,128Liabilities 2021: $1,681,399Net Assets 2021: $961,7292021Assets 2022: $948,225Liabilities 2022: $634,196Net Assets 2022: $314,0292022Assets 2023: $4,732,139Liabilities 2023: $368,930Net Assets 2023: $4,363,2092023Assets 2024: $5,475,382Liabilities 2024: $190,287Net Assets 2024: $5,285,0952024

Highlighted filing

2024

Assets$5,475,382
Liabilities$190,287
Net Assets$5,285,095

Operations Trend

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

$30M$20M$10M$0-$10MRevenue 2017: $17,804,428Expenses 2017: $16,689,471Net Income 2017: $1,114,9572017Revenue 2018: $16,053,739Expenses 2018: $15,414,183Net Income 2018: $639,5562018Revenue 2019: $14,944,554Expenses 2019: $13,873,649Net Income 2019: $1,070,9052019Revenue 2020: $14,583,857Expenses 2020: $16,422,902Net Income 2020: -$1,839,0452020Revenue 2021: $14,907,101Expenses 2021: $15,220,272Net Income 2021: -$313,1712021Revenue 2022: $18,623,624Expenses 2022: $19,271,324Net Income 2022: -$647,7002022Revenue 2023: $23,468,975Expenses 2023: $19,419,795Net Income 2023: $4,049,1802023Revenue 2024: $21,166,821Expenses 2024: $20,244,935Net Income 2024: $921,8862024

Highlighted filing

2024

Revenue$21,166,821
Expenses$20,244,935
Net Income$921,886

Filings

Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2024 to Dec 31, 2024
Signed
Nov 17, 2025
Return Version
2024v5.1
Gross Receipts
$21,166,821
Mission and Program Overview

Mission

To assist employers of the trust in providing health and welfare benefits to eligible employees and dependents, and to serve to help make healthcare sustainable for members of the trust.

To provide health and welfare benefits to employers of the trust.

Balance Sheet Detail
LineBeginningEndChange
Assets
Rtn Earn Endowment Incm Other Fnds$4,363,209$5,285,095▲ $921,886
Savings and Temporary Cash Investments$3,327,160$3,483,662▲ $156,502
Accounts Receivable$1,233,323$1,991,720▲ $758,397
Prepaid Expenses and Deferred Charges$171,656--
Receivable From Disqualified Prsn$0$0→ $0
Receivables From Officers Etc$0$0→ $0
Investments Other Securities$0--
Investments Program Related$0--
Land, Buildings, and Equipment, Net$0$0→ $0
Loans From Officers Directors$0$0→ $0
Total Assets$4,732,139$5,475,382▲ $743,243
Other Assets Total$0$0→ $0
Liabilities
Accounts Payable and Accrued Expenses$368,930$190,287▼ $178,643
Other Liabilities$0$0→ $0
Total Liabilities$368,930$190,287▼ $178,643
Net Assets / Fund Balance
Total Net Assets Fund Balance$4,363,209$5,285,095▲ $921,886
Total Liabilities and Net Assets / Fund Balance$4,732,139$5,475,382▲ $743,243
Compensation and Service Providers

Board Members and Trustees

NameTitle
Sarah BrownCCB - Trustee
Marsha GunnCNI - Trustee
Jennifer KaneshiroGgs/ggrp - Trustee
Kyle PewittSolara - Trustee
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$21,158,099
Investment Income
$8,722
Other Revenue
$0
Change in Net Assets
$921,886

Audited Revenue Reconciliation

Revenue per Audited Statements
$21,166,821
Revenue Not Reported on Financial Statements
$0
Revenue Not Reported on Form 990
$0
Other Revenue Adjustments
$0
Total Revenue per Audited Statements
$21,166,821
Total Revenue per Form 990
$21,166,821
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$1,213,525
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---$19,031,410
Other Expenses---$1,130,278
Fees for Services Accounting---$72,883
Fees for Services Legal---$6,030
Insurance---$4,334
Total Functional Expenses$0$0$0$20,244,935

Audited Expense Reconciliation

Line ItemAmount
Expenses per Audited Statements$20,244,935
Total Expenses per Audited Statements$20,244,935
Total Expenses per Form 990$20,244,935
Expenses Not Reported on Financial Statements$0
Expenses Not Reported on Form 990$0
Other Expense Adjustments$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
Lobbying 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
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
Yes
Audit committee
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
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, Line 8B Documentation of meetings held by committees of governing body

No committees. All actions decided at governing body level.

Form 990, Part VI, Line 9 Interested person not at organization'S address

See supporting schedule on schedule r for addresses where trustees of each entity can be reached.

Form 990, Part VI, Line 11B Review of form 990 by governing body

The organization engages an outside accounting firm to prepare the form 990. Once prepared, a draft of the return is sent to trustees and the trustees' consultants to review before being filed.

Form 990, Part VI, Line 12C Conflict of interest policy

A. An interested person may make a presentation at the trustee meeting, but after the presentation, he/she shall leave the meeting during the discussion of, and the vote on, the transaction or arrangement involving the possible conflict of interest. B. After exercising due diligence, the trustees shall determine whether the plan or trust can obtain with reasonable efforts a more advantageous transaction or arrangement from a person or entity that would not give rise to a conflict of interest. C. If a more advantageous transaction or arrangement is not reasonably possible under circumstances not producing a conflict of interest, the trustees shall determine by a majority vote of the disinterested directors whether the transaction or arrangement is in the plan and/or trust's best interest, for its own benefit, and whether it is fair and reasonable. In conformity with the above determination it shall make its decision as to whether to enter into the transaction or arrangement.

Form 990, Part VI, Line 19 Required documents available to the public

Any documents subject to open record requirements are made available upon request.

Filing and Contact Details

Filer

Filer Name
CN Enterprises Health Plan Trust
EIN
81-4972795
Phone
5805590886
Address
1921 Cradduck Rd 200, Ada, OK 74820

Signing Officer

Name
Marsha Gunn
Title
Plan Administrator
Phone
5802352769
Signed
2025-11-17
Discuss with paid preparer
Yes

Organization Details

Formed
2017
Legal Domicile
Ok
Voting Board Members
4
Independent Board Members
4
Employees
0
Volunteers
5

Preparer

Firm
Forvis Mazars LLP
Address
8200 W Interstate 10 Suite 900, San Antonio, TX 78230-3806
Preparer
Robert Ulloa
Phone
2103419400
Supplemental Narrative

Additional Explanations

Form 990, Part XII, Line 2C RESPONSIBILITY FOR OVERSIGHT OF THE AUDIT

The full board of trustees assumes responsibility for oversight of the audit.

Financial Statement Notes

Schedule D, Part X, Line 2

The Trust received an exemption letter from the Internal Revenue Service dated May 25, 2018, stating that the Trust, as then designed, was tax-exempt under the provisions of Section 501(c)(9) of the Internal Revenue Code. However, as a result of the Trust's funding policy, from time to time, the Trust may be subject to income taxes. No federal or state income taxes have been recorded in the accompanying financial statements. The trustees believe the Trust is currently being operated in compliance with the applicable requirements of the Internal Revenue Code.

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IRS990ScheduleD/SupplementalInformationDetail/ExplanationTxt0The Trust received an exemption letter from the Internal Revenue Service dated May 25, 2018, stating that the Trust, as then designed, was tax-exempt under the provisions of Section 501(c)(9) of the Internal Revenue Code. However, as a result of the Trust's funding policy, from time to time, the Trust may be subject to income taxes. No federal or state income taxes have been recorded in the accompanying financial statements. The trustees believe the Trust is currently being operated in compliance with the applicable requirements of the Internal Revenue Code.
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IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0NO COMMITTEES. ALL ACTIONS DECIDED AT GOVERNING BODY LEVEL.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1SEE SUPPORTING SCHEDULE ON SCHEDULE R FOR ADDRESSES WHERE TRUSTEES OF EACH ENTITY CAN BE REACHED.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2THE ORGANIZATION ENGAGES AN OUTSIDE ACCOUNTING FIRM TO PREPARE THE FORM 990. ONCE PREPARED, A DRAFT OF THE RETURN IS SENT TO TRUSTEES AND THE TRUSTEES' CONSULTANTS TO REVIEW BEFORE BEING FILED.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3A. AN INTERESTED PERSON MAY MAKE A PRESENTATION AT THE TRUSTEE MEETING, BUT AFTER THE PRESENTATION, HE/SHE SHALL LEAVE THE MEETING DURING THE DISCUSSION OF, AND THE VOTE ON, THE TRANSACTION OR ARRANGEMENT INVOLVING THE POSSIBLE CONFLICT OF INTEREST. B. AFTER EXERCISING DUE DILIGENCE, THE TRUSTEES SHALL DETERMINE WHETHER THE PLAN OR TRUST CAN OBTAIN WITH REASONABLE EFFORTS A MORE ADVANTAGEOUS TRANSACTION OR ARRANGEMENT FROM A PERSON OR ENTITY THAT WOULD NOT GIVE RISE TO A CONFLICT OF INTEREST. C. IF A MORE ADVANTAGEOUS TRANSACTION OR ARRANGEMENT IS NOT REASONABLY POSSIBLE UNDER CIRCUMSTANCES NOT PRODUCING A CONFLICT OF INTEREST, THE TRUSTEES SHALL DETERMINE BY A MAJORITY VOTE OF THE DISINTERESTED DIRECTORS WHETHER THE TRANSACTION OR ARRANGEMENT IS IN THE PLAN AND/OR TRUST'S BEST INTEREST, FOR ITS OWN BENEFIT, AND WHETHER IT IS FAIR AND REASONABLE. IN CONFORMITY WITH THE ABOVE DETERMINATION IT SHALL MAKE ITS DECISION AS TO WHETHER TO ENTER INTO THE TRANSACTION OR ARRANGEMENT.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4ANY DOCUMENTS SUBJECT TO OPEN RECORD REQUIREMENTS ARE MADE AVAILABLE UPON REQUEST.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5THE FULL BOARD OF TRUSTEES ASSUMES RESPONSIBILITY FOR OVERSIGHT OF THE AUDIT.
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0Form 990, Part VI, Line 8b Documentation of meetings held by committees of governing body
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1Form 990, Part VI, Line 9 Interested person not at organization's address
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2Form 990, Part VI, Line 11b Review of form 990 by governing body
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3Form 990, Part VI, Line 12c Conflict of interest policy
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4Form 990, Part VI, Line 19 Required documents available to the public
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5Form 990, Part XII, Line 2c RESPONSIBILITY FOR OVERSIGHT OF THE AUDIT
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