Civic Intelligence

Ameren Active Employee Healthcare Trust

EIN 92-6253795 • 501(c)9 • Saint Louis, MO

Profile

Provide benefits to eligible members

PO Box 66149 MC1070Saint Louis, MO 63166

n/A

Siviq Scores

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

Liabilities / Assets

16th percentile

0.00x

Tied with the lowest-debt nonprofits in its peer group.

501(c)9 • $100M-$250M nonprofits • Source year 2024

Liabilities / Revenue

19th percentile

0.00x

Tied with the lowest-debt nonprofits in its peer group.

501(c)9 • $100M-$250M nonprofits • Source year 2024

Net Margin

33rd percentile

-0.1%

Higher net margin than 33% of similar nonprofits.

501(c)9 • $100M-$250M nonprofits • Source year 2024

Top Officer Pay

37th percentile

$3,919

Higher top officer pay than 37% of similar nonprofits.

Top officer pay equals 0.0% of source-year revenue.

501(c)9 • $100M-$250M nonprofits • Source year 2024

Asset Growth

26th percentile

-0.8%

Faster asset growth than 26% of similar nonprofits.

501(c)9 • $100M-$250M nonprofits • Annualized from 2023 to 2024

Revenue Growth

49th percentile

6.6%

Faster revenue growth than 49% of similar nonprofits.

501(c)9 • $100M-$250M nonprofits • Annualized from 2023 to 2024

Assets

Down

$15,420,699

Down $117,037 (-0.8%) from 2023

Liabilities

Flat

$0

Flat from 2023

Net Assets

Down

$15,420,699

Down $117,037 (-0.8%) from 2023

Revenue

Up

$164,639,960

Up $10,190,467 (+6.6%) from 2023

Expenses

Up

$164,756,997

Up $14,885,469 (+9.9%) from 2023

Net Income

Down

-$117,037

Down $4,695,002 (-103%) from 2023

Trend Graphs

Balance Sheet Trend

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

$20M$15M$10M$5.0M$0Assets 2023: $15,537,736Liabilities 2023: $0Net Assets 2023: $15,537,7362023Assets 2024: $15,420,699Liabilities 2024: $0Net Assets 2024: $15,420,6992024

Highlighted filing

2024

Assets$15,420,699
Liabilities$0
Net Assets$15,420,699

Operations Trend

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

$200M$150M$100M$50M$0-$50MRevenue 2023: $154,449,493Expenses 2023: $149,871,528Net Income 2023: $4,577,9652023Revenue 2024: $164,639,960Expenses 2024: $164,756,997Net Income 2024: -$117,0372024

Highlighted filing

2024

Revenue$164,639,960
Expenses$164,756,997
Net Income-$117,037

Filings

Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2024 to Dec 31, 2024
Signed
Dec 19, 2025
Return Version
2024v5.1
Gross Receipts
$164,639,960
Mission and Program Overview

Mission

Provide benefits to eligible members

Provide welfare benefits to eligible members

Balance Sheet Detail
LineBeginningEndChange
Assets
Cap Stk Tr Prin Current Funds$15,537,736$15,420,699▼ $117,037
Savings and Temporary Cash Investments$7,731,309$15,374,439▲ $7,643,130
Cash and Non-Interest-Bearing Accounts$7,785,674$0▼ $7,785,674
Accounts Receivable$20,753$46,260▲ $25,507
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$15,537,736$15,420,699▼ $117,037
Other Assets Total$0$0→ $0
Liabilities
Other Liabilities$0$0→ $0
Total Liabilities$0$0→ $0
Net Assets / Fund Balance
Total Net Assets Fund Balance$15,537,736$15,420,699▼ $117,037
Total Liabilities and Net Assets / Fund Balance$15,537,736$15,420,699▼ $117,037
Compensation and Service Providers

Employees

NameTitleBaseTotal
The Bank of New York MellonTrustee$3,919$3,919

Highest Paid Contractors

ContractorServicesLocationCompensation
Healthy Alliance LifeAccount Maintenance Fees5661 Telegraph Rd Ste 4B, St Louis, MO 63129$6,176,064
Delta Dental Of MoAccount Maintenance Fees12399 GRAVOIS RD, St Louis, MO 63127$319,368
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$163,952,995
Investment Income
$686,965
Other Revenue
$0
Change in Net Assets
$-117,037

Audited Revenue Reconciliation

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

Major Expense Lines

Line ItemAmount
Other Expenses$6,623,626
Salaries, Compensation, and Employee Benefits$3,919
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Benefits to Members---$158,129,452
Fees for Services Other---$6,567,449
Fees for Services Accounting---$56,177
Current Officers, Directors, Trustees, and Key Employees---$3,919
Total Functional Expenses$0$0$0$164,756,997

Audited Expense Reconciliation

Line ItemAmount
Expenses Not Reported on Financial Statements$0
Expenses Not Reported on Form 990$0
Expenses per Audited Statements$0
Other Expense Adjustments$0
Total Expenses per 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
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
No
Audit committee
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
Yes
Key decisions subject to board approval
No
Management duties delegated
No

Governance Explanations

Form 990, Part VI, Line 15 Determination of Compensation

The organization does not have officers or key employees that receive compensation. Therefore, this question is not applicable and has been answered "no" in accordance with the form 990 instructions.

Form 990, Part VI, Line 1A Delegate broad authority to A committee

As stated in the Plan Documents, the Administrative Committee is charged with overseeing the administration of the Plan. The Administrative Committee has the full power, authority and responsibility as "plan administrator "named fiduciary" under ERISA with response to the general administration of the Plan. The committee shall be led by a Chairperson who shall be the Chief Human Resources Officer, or if no such position exists, the Assistant Vice President - Corporate Human Resources. The Chairperson of the Administrative Committee shall be responsible for leadership of the Administrative Committee, and shall have the powers and duties incident to that position, including but not limited to setting agendas for meetings, presiding at such meetings, delegating authority to other members to lead meetings and appointing members to the Committee. The Chairperson of the Administrative Committee shall appoint at least four, but no more than eight persons to serve as members of the Administrative Committee. The Chairperson shall also appoint a secretary who need not be a member of the Administrative Committee to prepare and maintain minutes of meetings and other records of the Administrative Committee.

Form 990, Part VI, Line 8A Documentation of meetings held by governing body

Bny mellon is the institutional trustee of this voluntary employees' beneficiary association under irc 501(c)(9) formed to fund certain welfare benefits of current and former employees of ameren corporation. There are no meetings of the governing body or committees to document.

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

The form 990 is reviewed internally by the investment trust department of ameren corporation prior to filing with the irs.

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

As a 501(c)(9) organization, the trust is not required to make the documents referenced in question 19 available to the general public.

Form 990, Part VII, Section A AVERAGE HOURS PER WEEK

The bank of new york mellon provides directed trustee services for ameren health and welfare trust. These services require numerous individual bank employees' involvement in the activities of the organization and thus cannot be quantified on an hourly basis. Therefore, the trustee's fees are not based upon an hourly basis but are calculated based upon factors such as the market value of the account and in accordance with the bank of new york mellon's agreement with ameren corporation.

Form 990, Part VI, Sections A & B, Lines 8, 12-15 Governing Body & Mgmt/ Policies

These questions are not applicable to the trust. Additionally, the trust does not have any employees. Therefore, no processes related to employee compensation are in place.

Filing and Contact Details

Filer

Filer Name
Ameren Active Employee Healthcare Trust
EIN
92-6253795
Phone
8778295500
Address
PO Box 66149 MC1070, Saint Louis, MO 63166

Signing Officer

Name
Darryl Sagel
Title
VP, Corp Development & Acquisitions
Signed
2025-12-19
Discuss with paid preparer
Yes

Organization Details

Formed
2022
Legal Domicile
Mo
Voting Board Members
1
Independent Board Members
0
Employees
0
Volunteers
0

Preparer

Firm
Crowe Llp
Address
701 13th St NW Suite 852, Washington, DC 20005
Preparer
Steve Lenivy
Phone
2026245555
Supplemental Narrative

Financial Statement Notes

Schedule D, Part X, Line 2 FIN 48 (ASC 740) footnote

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 administrator has analyzed the tax positions taken by the Plan, and has concluded that as of December 31, 2024, and 2023, there are no uncertain positions taken or expected to be taken that would require recognition of a liability (or asset) or disclosure in the financial statements. The Plan is subject to routine audits by taxing jurisdictions; however, there are currently no audits for any tax periods in progress. The Plan administrator believes it is no longer subject to income tax examinations for years prior to 2021.

Raw XML Appendix336 raw XML fields

This appendix keeps the raw XML leaves available for debugging and edge-case review. The human report above is the primary experience.

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IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt03919
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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 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 administrator has analyzed the tax positions taken by the Plan, and has concluded that as of December 31, 2024, and 2023, there are no uncertain positions taken or expected to be taken that would require recognition of a liability (or asset) or disclosure in the financial statements. The Plan is subject to routine audits by taxing jurisdictions; however, there are currently no audits for any tax periods in progress. The Plan administrator believes it is no longer subject to income tax examinations for years prior to 2021.
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IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0THE ORGANIZATION DOES NOT HAVE OFFICERS OR KEY EMPLOYEES THAT RECEIVE COMPENSATION. THEREFORE, THIS QUESTION IS NOT APPLICABLE AND HAS BEEN ANSWERED "NO" IN ACCORDANCE WITH THE FORM 990 INSTRUCTIONS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1As stated in the Plan Documents, the Administrative Committee is charged with overseeing the administration of the Plan. The Administrative Committee has the full power, authority and responsibility as "plan administrator "named fiduciary" under ERISA with response to the general administration of the Plan. The committee shall be led by a Chairperson who shall be the Chief Human Resources Officer, or if no such position exists, the Assistant Vice President - Corporate Human Resources. The Chairperson of the Administrative Committee shall be responsible for leadership of the Administrative Committee, and shall have the powers and duties incident to that position, including but not limited to setting agendas for meetings, presiding at such meetings, delegating authority to other members to lead meetings and appointing members to the Committee. The Chairperson of the Administrative Committee shall appoint at least four, but no more than eight persons to serve as members of the Administrative Committee. The Chairperson shall also appoint a secretary who need not be a member of the Administrative Committee to prepare and maintain minutes of meetings and other records of the Administrative Committee.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2BNY MELLON IS THE INSTITUTIONAL TRUSTEE OF THIS VOLUNTARY EMPLOYEES' BENEFICIARY ASSOCIATION UNDER IRC 501(C)(9) FORMED TO FUND CERTAIN WELFARE BENEFITS OF CURRENT AND FORMER EMPLOYEES OF AMEREN CORPORATION. THERE ARE NO MEETINGS OF THE GOVERNING BODY OR COMMITTEES TO DOCUMENT.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3THE FORM 990 IS REVIEWED INTERNALLY BY THE INVESTMENT TRUST DEPARTMENT OF AMEREN CORPORATION PRIOR TO FILING WITH THE IRS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4AS A 501(C)(9) ORGANIZATION, THE TRUST IS NOT REQUIRED TO MAKE THE DOCUMENTS REFERENCED IN QUESTION 19 AVAILABLE TO THE GENERAL PUBLIC.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5THE BANK OF NEW YORK MELLON PROVIDES DIRECTED TRUSTEE SERVICES FOR AMEREN HEALTH AND WELFARE TRUST. THESE SERVICES REQUIRE NUMEROUS INDIVIDUAL BANK EMPLOYEES' INVOLVEMENT IN THE ACTIVITIES OF THE ORGANIZATION AND THUS CANNOT BE QUANTIFIED ON AN HOURLY BASIS. THEREFORE, THE TRUSTEE'S FEES ARE NOT BASED UPON AN HOURLY BASIS BUT ARE CALCULATED BASED UPON FACTORS SUCH AS THE MARKET VALUE OF THE ACCOUNT AND IN ACCORDANCE WITH THE BANK OF NEW YORK MELLON'S AGREEMENT WITH AMEREN CORPORATION.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6THESE QUESTIONS ARE NOT APPLICABLE TO THE TRUST. ADDITIONALLY, THE TRUST DOES NOT HAVE ANY EMPLOYEES. THEREFORE, NO PROCESSES RELATED TO EMPLOYEE COMPENSATION ARE IN PLACE.
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0Form 990, Part VI, Line 15 Determination of Compensation
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1Form 990, Part VI, Line 1a Delegate broad authority to a committee
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2Form 990, Part VI, Line 8a Documentation of meetings held by governing body
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3Form 990, Part VI, Line 11b Review of form 990 by governing body
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4Form 990, Part VI, Line 19 Required documents available to the public
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5Form 990, Part VII, Section A AVERAGE HOURS PER WEEK
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc6FORM 990, PART VI, SECTIONS A & B, LINES 8, 12-15 GOVERNING BODY & MGMT/ POLICIES
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ReturnHeader/BuildTS02025-03-06 01:10:19Z
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ReturnHeader/ReturnTs02025-12-19T11:13:28+00:00
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