Civic Intelligence

Wsa Fraternal Life

EIN 84-0350916 • 501(c)8 • Westminster, CO

Profile

Fraternal benefit society

PO Box 351920Westminster, CO 80035-1920

www.wsalife.com

Siviq Scores

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

Liabilities / Assets

88th percentile

0.79x

Higher debt load relative to assets than 88% of similar nonprofits.

$25M-$50M nonprofits • Source year 2024

Liabilities / Revenue

96th percentile

13.45x

Higher debt load relative to revenue than 96% of similar nonprofits.

$25M-$50M nonprofits • Source year 2024

Net Margin

28th percentile

-2.5%

Higher net margin than 28% of similar nonprofits.

$25M-$50M 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

21st percentile

-2.2%

Faster asset growth than 21% of similar nonprofits.

$25M-$50M nonprofits • Annualized from 2023 to 2024

Revenue Growth

14th percentile

-17%

Faster revenue growth than 14% of similar nonprofits.

$25M-$50M nonprofits • Annualized from 2023 to 2024

Assets

Down

$39,916,405

Down $886,019 (-2.2%) from 2023

Liabilities

Down

$31,694,247

Down $743,866 (-2.3%) from 2023

Net Assets

Down

$8,222,158

Down $142,153 (-1.7%) from 2023

Revenue

Down

$2,356,669

Down $484,349 (-17%) from 2023

Expenses

Down

$2,414,895

Down $511,256 (-17%) from 2023

Net Income

Up

-$58,226

Up $26,907 (+32%) from 2023

Trend Graphs

Balance Sheet Trend

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

$60M$40M$20M$0Assets 2010: $46,909,164Liabilities 2010: $37,159,581Net Assets 2010: $9,749,5832010Assets 2011: $48,567,970Liabilities 2011: $38,818,496Net Assets 2011: $9,749,4742011Assets 2012: $49,616,918Liabilities 2012: $39,216,697Net Assets 2012: $10,400,2212012Assets 2013: $49,906,075Liabilities 2013: $39,880,144Net Assets 2013: $10,025,9312013Assets 2014: $52,052,206Liabilities 2014: $42,362,759Net Assets 2014: $9,689,4472014Assets 2015: $51,347,154Liabilities 2015: $42,429,753Net Assets 2015: $8,917,4012015Assets 2016: $51,278,502Liabilities 2016: $42,734,271Net Assets 2016: $8,544,2312016Assets 2017: $52,364,404Liabilities 2017: $43,565,339Net Assets 2017: $8,799,0652017Assets 2018: $52,052,964Liabilities 2018: $43,793,993Net Assets 2018: $8,258,9712018Assets 2019: $49,449,725Liabilities 2019: $40,996,014Net Assets 2019: $8,453,7112019Assets 2020: $42,091,387Liabilities 2020: $36,564,452Net Assets 2020: $5,526,9352020Assets 2021: $40,518,457Liabilities 2021: $35,510,355Net Assets 2021: $5,008,1022021Assets 2022: $42,542,173Liabilities 2022: $34,174,471Net Assets 2022: $8,367,7022022Assets 2023: $40,802,424Liabilities 2023: $32,438,113Net Assets 2023: $8,364,3112023Assets 2024: $39,916,405Liabilities 2024: $31,694,247Net Assets 2024: $8,222,1582024

Highlighted filing

2024

Assets$39,916,405
Liabilities$31,694,247
Net Assets$8,222,158

Operations Trend

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

$10M$5.0M$0-$5.0MExpenses 2010: $7,973,1652010Expenses 2011: $5,708,0482011Expenses 2012: $6,387,2522012Revenue 2013: $4,410,565Expenses 2013: $4,766,459Net Income 2013: -$355,8942013Revenue 2014: $5,068,828Expenses 2014: $5,418,960Net Income 2014: -$350,1322014Revenue 2015: $4,021,559Expenses 2015: $4,595,875Net Income 2015: -$574,3162015Revenue 2016: $4,124,149Expenses 2016: $4,469,831Net Income 2016: -$345,6822016Revenue 2017: $4,638,693Expenses 2017: $4,241,541Net Income 2017: $397,1522017Revenue 2018: $3,000,652Expenses 2018: $3,927,343Net Income 2018: -$926,6912018Revenue 2019: $2,355,331Expenses 2019: $2,954,339Net Income 2019: -$599,0082019Revenue 2020: $1,593,934Expenses 2020: $3,296,663Net Income 2020: -$1,702,7292020Revenue 2021: $2,411,043Expenses 2021: $2,944,123Net Income 2021: -$533,0802021Revenue 2022: $3,529,799Expenses 2022: $2,642,959Net Income 2022: $886,8402022Revenue 2023: $2,841,018Expenses 2023: $2,926,151Net Income 2023: -$85,1332023Revenue 2024: $2,356,669Expenses 2024: $2,414,895Net Income 2024: -$58,2262024

Highlighted filing

2024

Revenue$2,356,669
Expenses$2,414,895
Net Income-$58,226

Filings

Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Detailed filing. Detailed filing data is available for this year.$39.9$31.7$8.22$2.36$2.41$0.06
2023Detailed filing. Detailed filing data is available for this year.$40.8$32.4$8.36$2.84$2.93$0.09
2022Detailed filing. Detailed filing data is available for this year.$42.5$34.2$8.37$3.53$2.64$0.89
2021Detailed filing. Detailed filing data is available for this year.$40.5$35.5$5.01$2.41$2.94$0.53
2020Detailed filing. Detailed filing data is available for this year.$42.1$36.6$5.53$1.59$3.30$1.70
2019Detailed filing. Detailed filing data is available for this year.$49.4$41.0$8.45$2.36$2.95$0.60
2018Detailed filing. Detailed filing data is available for this year.$52.1$43.8$8.26$3.00$3.93$0.93
2017Detailed filing. Detailed filing data is available for this year.$52.4$43.6$8.80$4.64$4.24$0.40
2016Detailed filing. Detailed filing data is available for this year.$51.3$42.7$8.54$4.12$4.47$0.35
2015Detailed filing. Detailed filing data is available for this year.$51.3$42.4$8.92$4.02$4.60$0.57
2014Detailed filing. Detailed filing data is available for this year.$52.1$42.4$9.69$5.07$5.42$0.35
2013Detailed filing. Detailed filing data is available for this year.$49.9$39.9$10.0$4.41$4.77$0.36
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$49.6$39.2$10.4$6.39
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$48.6$38.8$9.75$5.71
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$46.9$37.2$9.75$7.97
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2024 to Dec 31, 2024
Signed
Jun 23, 2025
Return Version
2024v5.0
Gross Receipts
$2,454,661
Mission and Program Overview

Mission

Fraternal benefit society

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$19,990,337$20,315,559▲ $325,222
Investments in Publicly Traded Securities$16,176,520$13,988,273▼ $2,188,247
Pd in Cap Srpls Land Bldg Eqp Fund$8,364,311$8,222,158▼ $142,153
Land, Buildings, and Equipment, Net$3,130,096$3,511,571▲ $381,475
Savings and Temporary Cash Investments$1,183,854$1,812,067▲ $628,213
Receivables From Officers Etc$7,818$8,423▲ $605
Total Assets$40,802,424$39,916,405▼ $886,019
Other Assets Total$313,799$280,512▼ $33,287
Liabilities
Other Liabilities$32,438,113$31,694,247▼ $743,866
Total Liabilities$32,438,113$31,694,247▼ $743,866
Net Assets / Fund Balance
Total Net Assets Fund Balance$8,364,311$8,222,158▼ $142,153
Total Liabilities and Net Assets / Fund Balance$40,802,424$39,916,405▼ $886,019

Asset Categories

AssetBook ValueDepreciationBasis
Equipment$140-$140
Other Land Buildings$3,511,431--
Compensation and Service Providers

Employees

NameTitleFull / Part TimeBaseOtherTotal
Kristina ScribnerVP Oper.FT$97,277$11,000$108,277
Randy FussPres/CEOFT$94,722$11,000$105,722
Gary MooreSec/treas-$10,000-$10,000
John KogovsekChair-$7,500-$7,500
Cynthia ConteDirector-$3,000-$3,000
Diana BartoloVice Chair-$3,000-$3,000
Lisa PovichDirector-$3,000-$3,000
Rocco SantangeloDirector-$3,000-$3,000
Roger Lewis Thru 123124Director-$3,000-$3,000
Micheal Osborn Thru 73124Director-$1,750-$1,750
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$172,049
Investment Income
$1,986,142
Other Revenue
$198,478
Change in Net Assets
$-58,226

Audited Revenue Reconciliation

Revenue per Audited Statements
$2,171,253
Revenue Not Reported on Financial Statements
$185,416
Revenue Not Reported on Form 990
$-83,927
Other Revenue Adjustments
$185,416
Total Revenue per Audited Statements
$2,087,326
Total Revenue per Form 990
$2,356,669
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Salaries, Compensation, and Employee Benefits$705,086
Other Expenses$391,872
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Benefits to Members$1,317,937--$1,317,937
Other Salaries and Wages$381,468--$381,468
Current Officers, Directors, Trustees, and Key Employees$248,249--$248,249
Fees for Services Other$127,747--$127,747
Occupancy$100,628--$100,628
Payroll Taxes$42,036--$42,036
Office Expenses$32,617--$32,617
Pension Plan Contributions$18,525--$18,525
Other Employee Benefits$14,808--$14,808
Insurance$13,930--$13,930
All Other Expenses$8,493--$8,493
Other Expenses$7,173--$7,173
Depreciation Depletion$962--$962
Advertising$333--$333
Total Functional Expenses$2,414,895$0$0$2,414,895

Audited Expense Reconciliation

Line ItemAmount
Total Expenses per Form 990$2,414,895
Expenses per Audited Statements$2,229,479
Total Expenses per Audited Statements$2,229,479
Expenses Not Reported on Financial Statements$185,416
Other Expense Adjustments$185,416
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
Insider Transactions and Loans

Interested-Person Transactions

Interested PartyRelationshipDescriptionShared RevenueAmount
Gary MooreSec/treasurerConsulting for FinanNo$10,000

Loans and Receivables

Line ItemBeginningEndChange
Receivables from Officers, Directors, Trustees, and Key Employees$7,818$8,423▲ $605
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Aggr. Res. for Life Cert/contr$27,623,900
Liability for Deposit Type Contracts$1,659,180
Certificate & Contract Claims$985,555
Asset Valuation Reserve$725,528
Trustee and Agency Amounts$342,171
Accrued Expenses$252,070
Cert. & Contract Liab. - Imr$87,068
Advance Pymts-premium Annuity$9,382
Aggregate Write-ins for Liabilities$5,893
Provision for Refunds Payable$3,500
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
Yes
Audit committee
Yes
Backup withholding compliance
Yes
Business relationship with 35% controlled entity
No
Business relationship with family members
No
Business relationship with organization members
Yes
Material changes to governing documents
No
Compensation from other sources disclosed
No
CEO compensation reviewed
Yes
Other officer compensation reviewed
Yes
Conflict-of-interest policy
Yes
Audited financial statements prepared
No
Key decisions subject to board approval
No
Management duties delegated
No

Governance Explanations

Form 990, Page 6, Part VI, Line 2

Randy fuss kristina scribner pres/ceo vp oper own re jointly/share residence

Form 990, Page 6, Part VI, Line 6

Anyone purchasing a life insurance or annuity product from wsa fraternal life becomes a member (subject to underwriting).

Form 990, Page 6, Part VI, Line 7A

Election of the members of the governing body is by referendum. All certificate holders over age 18 are eligible to vote for members of the governing body

Form 990, Page 6, Part VI, Line 11B

A copy of form 990 is provided to the finance committee for review prior to filing.

Form 990, Page 6, Part VI, Line 12C

Conflict of interest statements are completed and reviewed annually. In addition, potential conflicts of interest are required to be disclosed to the board for review as they arise. Conflict of interest disclosures are handled on a case by case basis.

Form 990, Page 6, Part VI, Line 15A

Top management compensation is determined by the administrative committee using salary survey data.

Form 990, Page 6, Part VI, Line 15B

Office and key employee compensation is determined by the administrative committee using salary survey data.

Form 990, Page 6, Part VI, Line 19

The governing documents, conflict of interest policy and financial statements are made available to the public upon request.

Filing and Contact Details

Filer

Filer Name
Wsa Fraternal Life
EIN
84-0350916
Phone
3034511494
Address
PO BOX 351920, WESTMINSTER, CO 80035-1920

Signing Officer

Name
Randy Fuss
Title
Pres/CEO
Phone
3034511494
Signed
2025-06-23
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Randy Fuss
Formed
1908
Legal Domicile
Co
Voting Board Members
7
Independent Board Members
6
Employees
6
Volunteers
50

Preparer

Firm
Jds Professional Group
Address
10303 E DRY CREEK RD STE 400, ENGLEWOOD, CO 80112
Preparer
Lori B Bauer CPA
Phone
3037710123
Supplemental Narrative

Additional Explanations

Form 990, Part XI, Line 9

Change in avr -139,163 change in non-admitted assets and related items 129,838 change in deferred income tax -74,602 reclass between revenue/expense-investment expenses -185,416 reclass between revenue/expense-investment expenses 185,416 total -83,927

Financial Statement Notes

Schedule D, Page 4, Part XI, Line 2D

Change in avr -139,163 change in non-admitted assets and related items 129,838 change in deferred income tax -74,602

Schedule D, Page 4, Part XI, Line 4B

Reclass between revenue/expense-investment expenses 185,416

Schedule D, Page 4, Part XII, Line 4B

Reclass between revenue/expense-investment expenses 185,416

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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/MaterialDiversionOrMisuseInd0false
IRS990/MembersOrStockholdersInd0true
IRS990/MethodOfAccountingAccrualInd0X
IRS990/MinutesOfCommitteesInd0true
IRS990/MinutesOfGoverningBodyInd0true
IRS990/MissionDesc0FRATERNAL BENEFIT SOCIETY
IRS990/MoreThan5000KToIndividualsInd0false
IRS990/MoreThan5000KToOrgInd0false
IRS990/NetAssetsOrFundBalancesBOYAmt08364311
IRS990/NetAssetsOrFundBalancesEOYAmt08222158
IRS990/NetRentalIncomeOrLossGrp/ExclusionAmt0186874
IRS990/NetRentalIncomeOrLossGrp/TotalRevenueColumnAmt0186874
IRS990/NondeductibleContributionsInd0false
IRS990/OccupancyGrp/ProgramServicesAmt0100628
IRS990/OccupancyGrp/TotalAmt0100628
IRS990/OfficeExpensesGrp/ProgramServicesAmt032617
IRS990/OfficeExpensesGrp/TotalAmt032617
IRS990/OfficerMailingAddressInd0false
IRS990/OperateHospitalInd0false
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowFASB117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt0313799
IRS990/OtherAssetsTotalGrp/EOYAmt0280512
IRS990/OtherChangesInNetAssetsAmt0-83927
IRS990/OtherEmployeeBenefitsGrp/ProgramServicesAmt014808
IRS990/OtherEmployeeBenefitsGrp/TotalAmt014808
IRS990/OtherExpensesGrp/Desc0AGGREGATE WRITE INS
IRS990/OtherExpensesGrp/Desc1STATE INS DEPT FEES
IRS990/OtherExpensesGrp/Desc2REAL ESTATE EXPENSES
IRS990/OtherExpensesGrp/Desc3OTHER INVESTMENT EXPENSE
IRS990/OtherExpensesGrp/ProgramServicesAmt048970
IRS990/OtherExpensesGrp/ProgramServicesAmt133491
IRS990/OtherExpensesGrp/ProgramServicesAmt217528
IRS990/OtherExpensesGrp/ProgramServicesAmt37173
IRS990/OtherExpensesGrp/TotalAmt048970
IRS990/OtherExpensesGrp/TotalAmt133491
IRS990/OtherExpensesGrp/TotalAmt217528
IRS990/OtherExpensesGrp/TotalAmt37173
IRS990/OtherLiabilitiesGrp/BOYAmt032438113
IRS990/OtherLiabilitiesGrp/EOYAmt031694247
IRS990/OtherRevenueMiscGrp/Desc0AMORTIZATION OF IMR
IRS990/OtherRevenueMiscGrp/RelatedOrExemptFuncIncomeAmt011604
IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt011604
IRS990/OtherRevenueTotalAmt011604
IRS990/OtherSalariesAndWagesGrp/ProgramServicesAmt0381468
IRS990/OtherSalariesAndWagesGrp/TotalAmt0381468
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt019990337
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt020315559
IRS990/PartialLiquidationInd0false
IRS990/PayrollTaxesGrp/ProgramServicesAmt042036
IRS990/PayrollTaxesGrp/TotalAmt042036
IRS990/PdInCapSrplsLandBldgEqpFundGrp/BOYAmt08364311
IRS990/PdInCapSrplsLandBldgEqpFundGrp/EOYAmt08222158
IRS990/PensionPlanContributionsGrp/ProgramServicesAmt018525
IRS990/PensionPlanContributionsGrp/TotalAmt018525
IRS990/PoliciesReferenceChaptersInd0true
IRS990/PoliticalCampaignActyInd0false
IRS990/PrincipalOfficerNm0RANDY FUSS
IRS990/ProfessionalFundraisingInd0false
IRS990/ProgramServiceRevenueGrp/Desc0PREMIUMS AND ANNUITY
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt0172049
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt0172049
IRS990/ProhibitedTaxShelterTransInd0false
IRS990/PYBenefitsPaidToMembersAmt01437979
IRS990/PYInvestmentIncomeAmt02394005
IRS990/PYOtherExpensesAmt0631268
IRS990/PYOtherRevenueAmt0223097
IRS990/PYProgramServiceRevenueAmt0223916
IRS990/PYRevenuesLessExpensesAmt0-85133
IRS990/PYSalariesCompEmpBnftPaidAmt0856904
IRS990/PYTotalExpensesAmt02926151
IRS990/PYTotalRevenueAmt02841018
IRS990/ReceivablesFromOfficersEtcGrp/BOYAmt07818
IRS990/ReceivablesFromOfficersEtcGrp/EOYAmt08423
IRS990/ReconcilationRevenueExpnssAmt0-58226
IRS990/RegularMonitoringEnfrcInd0true
IRS990/RelatedEntityInd0false
IRS990/RelatedOrganizationCtrlEntInd0false
IRS990/RentalIncomeOrLossGrp/RealAmt0186874
IRS990/ReportInvestmentsOtherSecInd0false
IRS990/ReportLandBuildingEquipmentInd0true
IRS990/ReportOtherAssetsInd0false
IRS990/ReportOtherLiabilitiesInd0true
IRS990/ReportProgramRelatedInvstInd0false
IRS990/SavingsAndTempCashInvstGrp/BOYAmt01183854
IRS990/SavingsAndTempCashInvstGrp/EOYAmt01812067
IRS990/ScheduleBRequiredInd0false
IRS990ScheduleD/EquipmentGrp/BookValueAmt0140
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt0140
IRS990ScheduleD/ExpensesNotRptFinclStmtAmt0185416
IRS990ScheduleD/ExpensesSubtotalAmt02229479
IRS990ScheduleD/OtherExpensesNotIncludedAmt0185416
IRS990ScheduleD/OtherLandBuildingsGrp/BookValueAmt03511431
IRS990ScheduleD/OtherLandBuildingsGrp/InvestmentCostOrOtherBasisAmt03511431
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt027623900
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt11659180
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt2985555
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt3725528
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt4342171
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt5252070
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt687068
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt79382
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt85893
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt93500
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0AGGR. RES. FOR LIFE CERT/CONTR
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc1LIABILITY FOR DEPOSIT TYPE CONTRACTS
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc2CERTIFICATE & CONTRACT CLAIMS
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc3ASSET VALUATION RESERVE
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc4TRUSTEE AND AGENCY AMOUNTS
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc5ACCRUED EXPENSES
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc6CERT. & CONTRACT LIAB. - IMR
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc7ADVANCE PYMTS-PREMIUM ANNUITY
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc8AGGREGATE WRITE-INS FOR LIABILITIES
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc9PROVISION FOR REFUNDS PAYABLE
IRS990ScheduleD/OtherRevenueAmt0-83927
IRS990ScheduleD/OtherRevenuesNotIncludedAmt0185416
IRS990ScheduleD/RevenueNotReportedAmt0-83927
IRS990ScheduleD/RevenueNotReportedFinclStmtAmt0185416
IRS990ScheduleD/RevenueSubtotalAmt02171253
IRS990ScheduleD/SupplementalInformationDetail/ExplanationTxt0CHANGE IN AVR -139,163 CHANGE IN NON-ADMITTED ASSETS AND RELATED ITEMS 129,838 CHANGE IN DEFERRED INCOME TAX -74,602
IRS990ScheduleD/SupplementalInformationDetail/ExplanationTxt1RECLASS BETWEEN REVENUE/EXPENSE-INVESTMENT EXPENSES 185,416
IRS990ScheduleD/SupplementalInformationDetail/ExplanationTxt2RECLASS BETWEEN REVENUE/EXPENSE-INVESTMENT EXPENSES 185,416
IRS990ScheduleD/SupplementalInformationDetail/FormAndLineReferenceDesc0SCHEDULE D, PAGE 4, PART XI, LINE 2D
IRS990ScheduleD/SupplementalInformationDetail/FormAndLineReferenceDesc1SCHEDULE D, PAGE 4, PART XI, LINE 4B
IRS990ScheduleD/SupplementalInformationDetail/FormAndLineReferenceDesc2SCHEDULE D, PAGE 4, PART XII, LINE 4B
IRS990ScheduleD/TotalBookValueLandBuildingsAmt03511571
IRS990ScheduleD/TotalExpensesPerForm990Amt02414895
IRS990ScheduleD/TotalLiabilityAmt031694247
IRS990ScheduleD/TotalRevenuePerForm990Amt02356669
IRS990ScheduleD/TotalRevEtcAuditedFinclStmtAmt02087326
IRS990ScheduleD/TotExpnsEtcAuditedFinclStmtAmt02229479
IRS990/ScheduleJRequiredInd0false
IRS990ScheduleL/BusTrInvolveInterestedPrsnGrp/NameOfInterested/PersonNm0GARY MOORE
IRS990ScheduleL/BusTrInvolveInterestedPrsnGrp/RelationshipDescriptionTxt0SEC/TREASURER
IRS990ScheduleL/BusTrInvolveInterestedPrsnGrp/SharingOfRevenuesInd0false
IRS990ScheduleL/BusTrInvolveInterestedPrsnGrp/TransactionAmt010000
IRS990ScheduleL/BusTrInvolveInterestedPrsnGrp/TransactionDesc0CONSULTING FOR FINAN
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt03787
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt13431
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt21205
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd0false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd1false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd2false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd0false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd1false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd2false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd0X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd1X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd2X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt0CONTRACT LOAN
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt1CONTRACT LOAN
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt2CONTRACT LOAN
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm0MARY JOY KOGOVSEK
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm1GARY ROBERT POVICH
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm2LISA POVICH
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt0RELATED BOARD MEMBER
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt1RELATED BOARD MEMBER
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt2BOARD MEMBER
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd0true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd1true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd2true
IRS990ScheduleL/SupplementalInformationDetail/ExplanationTxt0LOANS TO GARY POVICH, LISA POVICH & MARY JOY KOGOVSEK ARE AVAILABLE PER THEIR CERTIFICATE CONTRACTS. GARY MOORE (SECRETARY-TREASURER) IS PAID A BASE COMPENSATION AS DIRECTOR FOR THE ORGANIZATION OF 3,000. HE PAID AN ADDITIONAL 7,000 FOR HIS ROLE ON THE FINANCE COMMITTEE.
IRS990ScheduleL/SupplementalInformationDetail/FormAndLineReferenceDesc0SCHEDULE L, PART V
IRS990ScheduleL/TotalBalanceDueAmt08423
IRS990/ScheduleORequiredInd0true
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0RANDY FUSS KRISTINA SCRIBNER PRES/CEO VP OPER OWN RE JOINTLY/SHARE RESIDENCE
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1ANYONE PURCHASING A LIFE INSURANCE OR ANNUITY PRODUCT FROM WSA FRATERNAL LIFE BECOMES A MEMBER (SUBJECT TO UNDERWRITING).
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2ELECTION OF THE MEMBERS OF THE GOVERNING BODY IS BY REFERENDUM. ALL CERTIFICATE HOLDERS OVER AGE 18 ARE ELIGIBLE TO VOTE FOR MEMBERS OF THE GOVERNING BODY
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3A COPY OF FORM 990 IS PROVIDED TO THE FINANCE COMMITTEE FOR REVIEW PRIOR TO FILING.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4CONFLICT OF INTEREST STATEMENTS ARE COMPLETED AND REVIEWED ANNUALLY. IN ADDITION, POTENTIAL CONFLICTS OF INTEREST ARE REQUIRED TO BE DISCLOSED TO THE BOARD FOR REVIEW AS THEY ARISE. CONFLICT OF INTEREST DISCLOSURES ARE HANDLED ON A CASE BY CASE BASIS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5TOP MANAGEMENT COMPENSATION IS DETERMINED BY THE ADMINISTRATIVE COMMITTEE USING SALARY SURVEY DATA.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6OFFICE AND KEY EMPLOYEE COMPENSATION IS DETERMINED BY THE ADMINISTRATIVE COMMITTEE USING SALARY SURVEY DATA.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt7THE GOVERNING DOCUMENTS, CONFLICT OF INTEREST POLICY AND FINANCIAL STATEMENTS ARE MADE AVAILABLE TO THE PUBLIC UPON REQUEST.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt8CHANGE IN AVR -139,163 CHANGE IN NON-ADMITTED ASSETS AND RELATED ITEMS 129,838 CHANGE IN DEFERRED INCOME TAX -74,602 RECLASS BETWEEN REVENUE/EXPENSE-INVESTMENT EXPENSES -185,416 RECLASS BETWEEN REVENUE/EXPENSE-INVESTMENT EXPENSES 185,416 TOTAL -83,927
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0FORM 990, PAGE 6, PART VI, LINE 2
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1FORM 990, PAGE 6, PART VI, LINE 6
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2FORM 990, PAGE 6, PART VI, LINE 7A
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3FORM 990, PAGE 6, PART VI, LINE 11B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4FORM 990, PAGE 6, PART VI, LINE 12C
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5FORM 990, PAGE 6, PART VI, LINE 15A
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc6FORM 990, PAGE 6, PART VI, LINE 15B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc7FORM 990, PAGE 6, PART VI, LINE 19
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc8FORM 990, PART XI, LINE 9
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IRS990/SignificantChangeInd0false
IRS990/SignificantNewProgramSrvcInd0false
IRS990/SubjectToExcsTaxNetInvstIncInd0false
IRS990/SubjectToProxyTaxInd0false
IRS990/SubjToTaxRmnrtnExPrchtPymtInd0false
IRS990/TaxablePartyNotificationInd0false
IRS990/TaxExemptBondsInd0false
IRS990/TerminateOperationsInd0false
IRS990/TotalAssetsBOYAmt040802424
IRS990/TotalAssetsEOYAmt039916405
IRS990/TotalAssetsGrp/BOYAmt040802424
IRS990/TotalAssetsGrp/EOYAmt039916405
IRS990/TotalCompGreaterThan150KInd0false
IRS990/TotalEmployeeCnt06
IRS990/TotalFunctionalExpensesGrp/FundraisingAmt00
IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt00
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt02414895
IRS990/TotalFunctionalExpensesGrp/TotalAmt02414895
IRS990/TotalGrossUBIAmt00
IRS990/TotalLiabilitiesBOYAmt032438113
IRS990/TotalLiabilitiesEOYAmt031694247
IRS990/TotalLiabilitiesGrp/BOYAmt032438113
IRS990/TotalLiabilitiesGrp/EOYAmt031694247
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt08364311
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt08222158
IRS990/TotalOtherCompensationAmt022000
IRS990/TotalProgramServiceRevenueAmt0172049
IRS990/TotalReportableCompFromOrgAmt0226249
IRS990/TotalRevenueGrp/ExclusionAmt02173016
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt0183653
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt02356669
IRS990/TotalVolunteersCnt050
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt040802424
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt039916405
IRS990/TypeOfOrganizationCorpInd0X
IRS990/UnrelatedBusIncmOverLimitInd0false
IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine1Txt0PO BOX 351920
IRS990/USAddress/CityNm0WESTMINSTER
IRS990/USAddress/StateAbbreviationCd0CO

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