Civic Intelligence

Cuad Health Benefits Trust

EIN 82-3520467 • 501(c)9 • Bismarck, ND

View Organization Page

Profile

None

2005 N Kavaney Dr Ste 201Bismarck, ND 58501

n/A

Siviq Scores

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

Liabilities / Assets

50th percentile

0.01x

Higher debt load relative to assets than 50% of similar nonprofits.

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

Liabilities / Revenue

43rd percentile

0.01x

Higher debt load relative to revenue than 43% of similar nonprofits.

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

Net Margin

73rd percentile

19%

Higher net margin than 73% 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

95th percentile

39%

Faster asset growth than 95% of similar nonprofits.

501(c)9 • $10M-$25M nonprofits • Annualized from 2023 to 2024

Revenue Growth

7th percentile

-23%

Faster revenue growth than 7% of similar nonprofits.

501(c)9 • $10M-$25M nonprofits • Annualized from 2023 to 2024

Balance Sheet
Liabilities / Assets50th percentile

Assets

Up

$7,806,020

Up $2,208,000 (+39%) from 2023

Liabilities

Down

$114,558

Down $15,127 (-12%) from 2023

Net Assets

Up

$7,691,462

Up $2,223,127 (+41%) from 2023

Operations
Liabilities / Revenue43rd percentileNet Margin73rd percentile

Revenue

Down

$11,460,193

Down $3,353,601 (-23%) from 2023

Expenses

Down

$9,237,066

Down $4,370,535 (-32%) from 2023

Net Income

Up

$2,223,127

Up $1,016,934 (+84%) from 2023

Trend Graphs

Balance Sheet Trend

Asset Growth95th percentile

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

$8.0M$6.0M$4.0M$2.0M$0Assets 2018: $595,103Liabilities 2018: $301,741Net Assets 2018: $293,3622018Assets 2019: $1,291,567Liabilities 2019: $672,400Net Assets 2019: $619,1672019Assets 2020: $2,705,795Liabilities 2020: $1,135,282Net Assets 2020: $1,570,5132020Assets 2021: $3,708,893Liabilities 2021: $384,776Net Assets 2021: $3,324,1172021Assets 2022: $4,405,126Liabilities 2022: $142,984Net Assets 2022: $4,262,1422022Assets 2023: $5,598,020Liabilities 2023: $129,685Net Assets 2023: $5,468,3352023Assets 2024: $7,806,020Liabilities 2024: $114,558Net Assets 2024: $7,691,4622024

Highlighted filing

2024

Assets$7,806,020
Liabilities$114,558
Net Assets$7,691,462
Open 2024 Filing

Operations Trend

Revenue Growth7th percentile

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

$15M$10M$5.0M$0Revenue 2018: $5,499,600Expenses 2018: $5,206,238Net Income 2018: $293,3622018Revenue 2019: $6,316,701Expenses 2019: $5,990,896Net Income 2019: $325,8052019Revenue 2020: $6,270,472Expenses 2020: $5,442,566Net Income 2020: $827,9062020Revenue 2021: $11,419,816Expenses 2021: $10,408,701Net Income 2021: $1,011,1152021Revenue 2022: $14,609,979Expenses 2022: $13,671,954Net Income 2022: $938,0252022Revenue 2023: $14,813,794Expenses 2023: $13,607,601Net Income 2023: $1,206,1932023Revenue 2024: $11,460,193Expenses 2024: $9,237,066Net Income 2024: $2,223,1272024

Highlighted filing

2024

Revenue$11,460,193
Expenses$9,237,066
Net Income$2,223,127
Open 2024 Filing

Filings

Most recent year

2024 • Form 990XML pending. An XML filing is linked for this year, but detailed extraction is still pending.

Open filing
Assets
$7,806,020
Liabilities
$114,558
Net assets
$7,691,462
Revenue
$11,460,193
Expenses
$9,237,066
Net income
$2,223,127
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$7.81$0.11$7.69$11.5$9.24$2.22
2023Summary only. Only limited summary data is available for this year.$5.60$0.13$5.47$14.8$13.6$1.21
2022Facts available. Structured filing facts are available, but richer extracted sections are limited.$4.41$0.14$4.26$14.6$13.7$0.94
2021XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$3.71$0.38$3.32$11.4$10.4$1.01
2020XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$2.71$1.14$1.57$6.27$5.44$0.83
2019XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$1.29$0.67$0.62$6.32$5.99$0.33
2018Facts available. Structured filing facts are available, but richer extracted sections are limited.$0.60$0.30$0.29$5.50$5.21$0.29
Latest Detailed Filing

The latest 2024 filing currently has linked XML that has not been fully parsed yet. Showing the latest detailed filing from 2022 below.

Jump To
Filing Snapshot
Filing Period
Jan 1, 2022 to Dec 31, 2022
Signed
Nov 15, 2023
Return Version
2022v5.0
Gross Receipts
$14,609,979
Mission and Program Overview

Mission

None

To provide health, dental, and vision benefits to employees of participating employers.

Balance Sheet Detail
LineBeginningEndChange
Assets
Rtn Earn Endowment Incm Other Fnds$3,324,117$4,262,142▲ $938,025
Cash and Non-Interest-Bearing Accounts$2,944,129$2,941,604▼ $2,525
Accounts Receivable$755,414$1,451,846▲ $696,432
Prepaid Expenses and Deferred Charges$9,350$11,676▲ $2,326
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$3,708,893$4,405,126▲ $696,233
Liabilities
Deferred Revenue$258,278$0▼ $258,278
Other Liabilities$126,498$142,984▲ $16,486
Total Liabilities$384,776$142,984▼ $241,792
Net Assets / Fund Balance
Total Net Assets Fund Balance$3,324,117$4,262,142▲ $938,025
Total Liabilities and Net Assets / Fund Balance$3,708,893$4,405,126▲ $696,233
Compensation and Service Providers
Top Officer PayScore unavailable

Board Members and Trustees

NameTitle
Jeff OlsonChairperson
Sean RinkenbergerVice Chairperson (See Sch O Explanation)
Brenda SchmidtSD Trustee (See Sch O Explanation)
Floyd Rummel IIISD Trustee (See Sch O Explanation)
Holly JonesSD Trustee (See Sch O Explanation)
Jeff SchmidtSD Trustee (See Sch O Explanation)
Keith RobbennoltSD Trustee (See Sch O Explanation)
Ryan GoehnerSD Trustee (See Sch O Explanation)
Tanya HobsonSD Trustee (See Sch O Explanation)
Jeff MeyerTrustee
Justin MaddisonTrustee
Harold HagenTrustee (See Sch O Explanation)
Bob HerringtonAlternate (See Sch O Explanation)
Mindee KohlmanSecretary (See Sch O Explanation)

Highest Paid Contractors

ContractorServicesLocationCompensation
Noridian Mutual Insurance CompanyAdministrative Fees4510 13th Ave S, Fargo, ND 58121$640,936
WellmarkAdministrative Fees1601 W Madison Street, Sioux Falls, SD 57104$351,199
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$14,595,282
Investment Income
$14,697
Other Revenue
$0
Change in Net Assets
$938,025

Audited Revenue Reconciliation

Revenue per Audited Statements
$14,609,979
Revenue Not Reported on Financial Statements
$0
Revenue Not Reported on Form 990
$0
Total Revenue per Audited Statements
$14,609,979
Total Revenue per Form 990
$14,609,979
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$4,183,450
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---$9,488,504
Other Expenses---$2,680,891
Fees for Services Other---$1,170,206
All Other Expenses---$231,419
Fees for Services Accounting---$36,294
Insurance---$32,540
Fees for Services Management---$32,100
Total Functional Expenses$0$0$0$13,671,954

Audited Expense Reconciliation

Line ItemAmount
Expenses per Audited Statements$13,671,954
Total Expenses per Audited Statements$13,671,954
Total Expenses per Form 990$13,671,954
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
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Premium Tax Payable$120,887
Broker Fees Payable$22,097
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
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
No
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

“The Board of Trustees consists of employees of the contributing employers and as such the board members are compensated by the contributing employers for the services they provide as employees of their respective employer. Due to this, they are not considered independent Trustees.”

Form 990, Part VI, Section A, line 2

“Sean Rinkenberger and Jeff Olson have a business relationship.”

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

“The Trust shall be administered by the Benefit Plan Trustees, which shall consist of at least seven Trustees or such other number established by the Trustees from time to time.”

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

“There are no committees that are able to act on behalf of the board.”

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

“A copy of the Form 990 will be provided to the board prior to its filing and will be reviewed at the next regularly scheduled board meeting after the Form 990 is filed.”

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.”

Form 990, Part VII, Section A, Columns (E) and (F):

“The compensation reported in columns E and F represent compensation paid by our member credit unions to their employee for services the employee provides to the member credit union as their employee. No portion of this compensation is provided for the services provided by our Trustees as a Trustee of the Credit Union Association of the Dakotas Health Benefits Plan Trust. Reasonable Effort to Obtain Compensation: CUAD Health Benefit Trust e-mailed 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 three trustees. They were unable to obtain the requested information from the remaining ten trustees and one alternate.”

Filing and Contact Details

Filer

Filer Name
CUAD Health Benefits Trust
EIN
82-3520467
Phone
7012503926
Address
2005 N Kavaney Dr Ste 201, Bismarck, ND 58501

Signing Officer

Name
Jeff Olson
Title
Chair
Phone
7012503926
Signed
2023-11-15
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Jeff Olson
Formed
2018
Legal Domicile
Nd
Voting Board Members
14
Independent Board Members
0
Employees
0
Volunteers
14

Preparer

Firm
Eide Bailly LLP
Address
1730 Burnt Boat Loop Ste 100, Bismarck, ND 58503-0886
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 it 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 509 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/BenefitsToMembersGrp/TotalAmt09488504
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IRS990/BooksInCareOfDetail/PhoneNum07012503926
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IRS990/Form990PartVIISectionAGrp/PersonNm1Sean Rinkenberger
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IRS990/Form990PartVIISectionAGrp/PersonNm6Jeff Meyer
IRS990/Form990PartVIISectionAGrp/PersonNm7Jeff Schmidt
IRS990/Form990PartVIISectionAGrp/PersonNm8Holly Jones
IRS990/Form990PartVIISectionAGrp/PersonNm9Keith Robbennolt
IRS990/Form990PartVIISectionAGrp/PersonNm10Floyd Rummel III
IRS990/Form990PartVIISectionAGrp/PersonNm11Brenda Schmidt
IRS990/Form990PartVIISectionAGrp/PersonNm12Tanya Hobson
IRS990/Form990PartVIISectionAGrp/PersonNm13Ryan Goehner
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IRS990/Form990PartVIISectionAGrp/TitleTxt0Chairperson
IRS990/Form990PartVIISectionAGrp/TitleTxt1Vice Chairperson (See Sch O Explanation)
IRS990/Form990PartVIISectionAGrp/TitleTxt2Secretary (See Sch O Explanation)
IRS990/Form990PartVIISectionAGrp/TitleTxt3Alternate (See Sch O Explanation)
IRS990/Form990PartVIISectionAGrp/TitleTxt4Trustee
IRS990/Form990PartVIISectionAGrp/TitleTxt5Trustee (See Sch O Explanation)
IRS990/Form990PartVIISectionAGrp/TitleTxt6Trustee
IRS990/Form990PartVIISectionAGrp/TitleTxt7SD Trustee (See Sch O Explanation)
IRS990/Form990PartVIISectionAGrp/TitleTxt8SD Trustee (See Sch O Explanation)
IRS990/Form990PartVIISectionAGrp/TitleTxt9SD Trustee (See Sch O Explanation)
IRS990/Form990PartVIISectionAGrp/TitleTxt10SD Trustee (See Sch O Explanation)
IRS990/Form990PartVIISectionAGrp/TitleTxt11SD Trustee (See Sch O Explanation)
IRS990/Form990PartVIISectionAGrp/TitleTxt12SD Trustee (See Sch O Explanation)
IRS990/Form990PartVIISectionAGrp/TitleTxt13SD Trustee (See Sch O Explanation)
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IRS990/FormationYr02018
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IRS990/FSAuditedBasisGrp/SeparateBasisFinclStmtInd0X
IRS990/FSAuditedInd01
IRS990/FundraisingActivitiesInd00
IRS990/GamingActivitiesInd00
IRS990/GoverningBodyVotingMembersCnt014
IRS990/GrantsToIndividualsInd00
IRS990/GrantsToOrganizationsInd00
IRS990/GrantToRelatedPersonInd00
IRS990/GrossReceiptsAmt014609979
IRS990/GroupReturnForAffiliatesInd00
IRS990/IncludeFIN48FootnoteInd01
IRS990/IndependentAuditFinclStmtInd01
IRS990/IndependentVotingMemberCnt00
IRS990/IndivRcvdGreaterThan100KCnt00
IRS990/IndoorTanningServicesInd00
IRS990/InfoInScheduleOPartVIIInd0X
IRS990/InfoInScheduleOPartVIInd0X
IRS990/InsuranceGrp/TotalAmt032540
IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt014697
IRS990/InvestmentIncomeGrp/UnrelatedBusinessRevenueAmt014697
IRS990/InvestmentInJointVentureInd00
IRS990/IRPDocumentCnt02
IRS990/IRPDocumentW2GCnt00
IRS990/LegalDomicileStateCd0ND
IRS990/LoanOutstandingInd00
IRS990/LocalChaptersInd00
IRS990/MaterialDiversionOrMisuseInd00
IRS990/MembersOrStockholdersInd00
IRS990/MethodOfAccountingAccrualInd0X
IRS990/MinutesOfCommitteesInd00
IRS990/MinutesOfGoverningBodyInd01
IRS990/MissionDesc0None
IRS990/MoreThan5000KToIndividualsInd00
IRS990/MoreThan5000KToOrgInd00
IRS990/NetAssetsOrFundBalancesBOYAmt03324117
IRS990/NetAssetsOrFundBalancesEOYAmt04262142
IRS990/NetUnrelatedBusTxblIncmAmt00
IRS990/NondeductibleContributionsInd00
IRS990/OfficerMailingAddressInd00
IRS990/OperateHospitalInd00
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowFASB117Ind0X
IRS990/OtherChangesInNetAssetsAmt00
IRS990/OtherExpensesGrp/Desc0Stop Loss Fees
IRS990/OtherExpensesGrp/TotalAmt02680891
IRS990/OtherLiabilitiesGrp/BOYAmt0126498
IRS990/OtherLiabilitiesGrp/EOYAmt0142984
IRS990/PartialLiquidationInd00
IRS990/PdInCapSrplsLandBldgEqpFundGrp/BOYAmt00
IRS990/PdInCapSrplsLandBldgEqpFundGrp/EOYAmt00
IRS990/PoliticalCampaignActyInd00
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt09350
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt011676
IRS990/PrincipalOfficerNm0Jeff Olson
IRS990/ProfessionalFundraisingInd00
IRS990/ProgramServiceRevenueGrp/BusinessCd0525100
IRS990/ProgramServiceRevenueGrp/Desc0Member Contributions
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt014595282
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt014595282
IRS990/ProhibitedTaxShelterTransInd00
IRS990/PYBenefitsPaidToMembersAmt07226847
IRS990/PYContributionsGrantsAmt00
IRS990/PYGrantsAndSimilarPaidAmt00
IRS990/PYInvestmentIncomeAmt05487
IRS990/PYOtherExpensesAmt03181854
IRS990/PYOtherRevenueAmt00
IRS990/PYProgramServiceRevenueAmt011414329
IRS990/PYRevenuesLessExpensesAmt01011115
IRS990/PYSalariesCompEmpBnftPaidAmt00
IRS990/PYTotalExpensesAmt010408701
IRS990/PYTotalProfFndrsngExpnsAmt00
IRS990/PYTotalRevenueAmt011419816
IRS990/ReconcilationRevenueExpnssAmt0938025
IRS990/RelatedEntityInd01
IRS990/RelatedOrganizationCtrlEntInd00
IRS990/ReportInvestmentsOtherSecInd00
IRS990/ReportLandBuildingEquipmentInd00
IRS990/ReportOtherAssetsInd00
IRS990/ReportOtherLiabilitiesInd01
IRS990/ReportProgramRelatedInvstInd00
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt03324117
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt04262142
IRS990/ScheduleBRequiredInd00
IRS990ScheduleD/ExpensesNotReportedAmt00
IRS990ScheduleD/ExpensesNotRptFinclStmtAmt00
IRS990ScheduleD/ExpensesSubtotalAmt013671954
IRS990ScheduleD/FootnoteTextInd0X
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt022097
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt1120887
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0Broker Fees Payable
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc1Premium Tax Payable
IRS990ScheduleD/RevenueNotReportedAmt00
IRS990ScheduleD/RevenueNotReportedFinclStmtAmt00
IRS990ScheduleD/RevenueSubtotalAmt014609979
IRS990ScheduleD/SupplementalInformationDetail/ExplanationTxt0Accounting 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 it 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.
IRS990ScheduleD/SupplementalInformationDetail/FormAndLineReferenceDesc0Part X, Line 2:
IRS990ScheduleD/TotalBookValueLandBuildingsAmt00
IRS990ScheduleD/TotalExpensesPerForm990Amt013671954
IRS990ScheduleD/TotalLiabilityAmt0142984
IRS990ScheduleD/TotalRevenuePerForm990Amt014609979
IRS990ScheduleD/TotalRevEtcAuditedFinclStmtAmt014609979
IRS990ScheduleD/TotExpnsEtcAuditedFinclStmtAmt013671954
IRS990ScheduleJ/EquityBasedCompArrngmInd00
IRS990/ScheduleJRequiredInd01
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt10
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt20
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount10
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount20
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusRelatedOrganizationsAmt053833
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusRelatedOrganizationsAmt120732
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusRelatedOrganizationsAmt210695
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompensationBasedOnRltdOrgsAmt0352827
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompensationBasedOnRltdOrgsAmt1174134
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompensationBasedOnRltdOrgsAmt2203000
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990FilingOrgAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990FilingOrgAmt10
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990FilingOrgAmt20
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990RltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990RltdOrgsAmt10
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990RltdOrgsAmt20
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompensationFlngOrgAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompensationFlngOrgAmt10
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompensationFlngOrgAmt20
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompRltdOrgsAmt17500
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompRltdOrgsAmt20
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsFilingOrgAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsFilingOrgAmt10
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsFilingOrgAmt20
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsRltdOrgsAmt14221
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsRltdOrgsAmt20
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationFilingOrgAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationFilingOrgAmt10
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationFilingOrgAmt20
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationRltdOrgsAmt0774
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationRltdOrgsAmt124414
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationRltdOrgsAmt20
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm0Jeff Meyer
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm1Jeff Olson
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm2Justin Maddison
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt0Trustee
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt1Chairperson
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt2Trustee
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationFilingOrgAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationFilingOrgAmt10
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationFilingOrgAmt20
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationRltdOrgsAmt0407434
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationRltdOrgsAmt1231001
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationRltdOrgsAmt2213695
IRS990ScheduleJ/SeverancePaymentInd00
IRS990ScheduleJ/SupplementalNonqualRtrPlanInd00
IRS990/ScheduleORequiredInd01
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0The Board of Trustees consists of employees of the contributing employers and as such the board members are compensated by the contributing employers for the services they provide as employees of their respective employer. Due to this, they are not considered independent Trustees.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1Sean Rinkenberger and Jeff Olson have a business relationship.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2The Trust shall be administered by the Benefit Plan Trustees, which shall consist of at least seven Trustees or such other number established by the Trustees from time to time.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3There are no committees that are able to act on behalf of the board.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4A copy of the Form 990 will be provided to the board prior to its filing and will be reviewed at the next regularly scheduled board meeting after the Form 990 is filed.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5The organization does not make its governing documents, conflict of interest policy, and financial statements available to the public.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6The compensation reported in columns E and F represent compensation paid by our member credit unions to their employee for services the employee provides to the member credit union as their employee. No portion of this compensation is provided for the services provided by our Trustees as a Trustee of the Credit Union Association of the Dakotas Health Benefits Plan Trust. Reasonable Effort to Obtain Compensation: CUAD Health Benefit Trust e-mailed 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 three trustees. They were unable to obtain the requested information from the remaining ten trustees and one alternate.
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0Form 990, Part VI, Section A, line 1a
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1Form 990, Part VI, Section A, line 2
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2Form 990, Part VI, Section A, line 7a
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3Form 990, Part VI, Section A, line 8b
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4Form 990, Part VI, Section B, line 11b
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5Form 990, Part VI, Section C, line 19
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc6Form 990, Part VII, Section A, Columns (E) and (F):
IRS990ScheduleR/AssetExchangeInd00
IRS990ScheduleR/AssetPurchaseFromOtherOrgInd00
IRS990ScheduleR/AssetSaleToOtherOrgInd00
IRS990ScheduleR/DivRelatedOrganizationInd00
IRS990ScheduleR/GiftGrntCapContriFromOthOrgInd00
IRS990ScheduleR/GiftGrntOrCapContriToOthOrgInd00
IRS990ScheduleR/IdRelatedOrgTxblCorpTrGrp/RelatedOrganizationName/BusinessNameLine1Txt0Krabseth Agency (Part of western Cooperative CU)
IRS990ScheduleR/IdRelatedOrgTxblCorpTrGrp/RelatedOrganizationName/BusinessNameLine1Txt1Mid America Service Corporation
IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/ControlledOrganizationInd00
IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/DirectControllingNACd0N/A
IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/DisregardedEntityName/BusinessNameLine1Txt0AREA COMMUNITY CREDIT UNION
IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/DisregardedEntityName/BusinessNameLine1Txt1COMMUNITY CREDIT UNION
IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/DisregardedEntityName/BusinessNameLine1Txt2Credit Union Association of the Dakotas
IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/DisregardedEntityName/BusinessNameLine1Txt3DAKOTA PLAINS CREDIT UNION
IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/DisregardedEntityName/BusinessNameLine1Txt4DAKOTA RAIL LINE FEDERAL CREDIT UNION
IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/DisregardedEntityName/BusinessNameLine1Txt5DAKOTA WEST CREDIT UNION
IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/DisregardedEntityName/BusinessNameLine1Txt6DAKOTALAND FEDERAL CREDIT UNION
IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/DisregardedEntityName/BusinessNameLine1Txt7EAST RIVER FEDERAL CREDIT UNION
IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/DisregardedEntityName/BusinessNameLine1Txt8EXPLORERS FEDERAL CREDIT UNION
IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/DisregardedEntityName/BusinessNameLine1Txt9FLASHER COMMUNITY CREDIT UNION
IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/DisregardedEntityName/BusinessNameLine1Txt10FREEDOM COMMUNITY CREDIT UNION
IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/DisregardedEntityName/BusinessNameLine1Txt11HEALTHCARE PLUS FEDERAL CREDIT UNION
IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/DisregardedEntityName/BusinessNameLine1Txt12HOMETOWN CREDIT UNION
IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/DisregardedEntityName/BusinessNameLine1Txt13HURON AREA EDUCATION FEDERAL CREDIT UNION
IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/DisregardedEntityName/BusinessNameLine1Txt14LEVO FEDERAL CREDIT UNION
IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/DisregardedEntityName/BusinessNameLine1Txt15MED PARK CREDIT UNION
IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/DisregardedEntityName/BusinessNameLine1Txt16M-O FEDERAL CREDIT UNION
IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/DisregardedEntityName/BusinessNameLine1Txt17NORSTAR FEDERAL CREDIT UNION
IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/DisregardedEntityName/BusinessNameLine1Txt18NORTH STAR COMMUNITY CREDIT UNION
IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/DisregardedEntityName/BusinessNameLine1Txt19NORTHERN HILLS FEDERAL CREDIT UNION
IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/DisregardedEntityName/BusinessNameLine1Txt20RIVERFORK FEDERAL CREDIT UNION

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