{"success":true,"data":{"_id":132974866,"filings":[{"Organization":{"value":null,"Person":["Alison Genez","Monica Manko-Schmidt","Catherine Jelinek","Laura Vegliante","Michele Rabasco","Joan Cass"],"Title":["President","Treasurer","Vice President","Secretary","Trustee","Trustee"],"Hours":[1.0,1.0,1.0,1.0,1.0,1.0],"Total Compensation":[9742,6022,3459,2859,694,694],"Direct compensation":[9742,6022,3459,2859,694,694],"Other compensation":[0,0,0,0,0,0]},"Basic":{"value":null,"mission":"To provide dental, vision, and flex medical coverage for plan enrollees and their immediate family where applicable.","year":2020,"name":"Somers Faculty Association Trust Fund","phone":2032697741,"website":null,"type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"Monica Manko-Schmidt","year_formation":1979,"state_legal_domicile":"NY","total_volunteers":null,"tax_period_begin":"2020-07-01T00:00:00","tax_period_end":"2021-06-30T00:00:00","address":"PO Box 5817, Wallingford, CT, 64926717, USA","city":"Wallingford","state":"CT","country":"USA","zip_code":64926717},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":6,"Number of independent voting members":6,"Number of employees total":0,"Total Gross UBI":0,"Net unrelated business taxable income":null,"Number of employees":0,"Prohibited tax shelter transactions":true,"Taxable party notification":true,"Funds to pay premiums":false,"Premiums Paid":false,"Family or business relationship":true,"Delegation of management duties":true,"Conflict of interest policy":true,"Whistle blower policy":true,"Compensation process for CEO":true,"Compensation process for other employees":true,"Changes to organizing documents":true,"Material diversion or misuse":true,"Members or stockholders":true,"Election of board members":true,"Decisions subject to approval":true,"Minutes of governing body":true,"Local chapters":true,"Form 990 provided to governing body":true,"Document retention policy":true,"Investment in joint venture":true,"Independent audit financial statements":true,"Consolidated audit financial statements":true,"Accountant compile or review":true,"Political activities":true,"Donor advised funds":true,"Conservation easements":true,"Collections of art":true,"School":true,"Hospital":true,"Foreign activities":true,"Foreign office":true,"Gaming":true,"Fundraising activities":true,"Professional fundraising":true,"Loan to officer or DQP":true,"Grant to related person":true,"Business relationship through family member":true,"Business relationship with organization":true},"Revenues":{"value":455532,"Contributions":{"value":0,"Other contributions":0,"Contributions from gifts and grants":0,"Fundraising revenue":0,"Dues":0,"Campaigns":0,"Grant revenue":0,"Related organizations":0},"Program revenue":{"value":453633,"Total revenue":{"value":453633,"CONTRIBUTIONS - BOARD OF EDUCATION":444193,"CONTRIBUTIONS - MEMBERS":9020,"CONTRIBUTIONS - RETIREES":420},"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":1899,"Investment income total":1899,"Net investment gain":0,"Income from invest bond proceeds":0},"Other revenues":{"value":0,"Other total":0,"Royalties revenue":0,"Net rental income":0,"Net income from fundraising events":0,"Net income from gaming":0,"Net income":0,"Gross profit from sales of inventory":0,"Gain from sale of assets":0}},"Expenses":{"value":480456,"Grant expense":{"value":0,"Grants to domestic orgs":0,"Grants to domestic individuals":0,"Grants and similar":0,"Foreign grants":0},"Total professional fundraising expense":{"value":0,"Fundraising professional":0,"Fees to independent contractors":0},"Benefits paid to members":{"value":379479,"Benefits paid to members Total":379479},"Salaries":{"value":23470,"Current officers":23470,"Disqualified persons":0,"Other salaries and wages":0,"Pension plan contributions":0,"Other employee benefits":0,"Payroll taxes":0},"Other expenses":{"value":77507,"Management services":0,"Legal":20100,"Accounting":4950,"Lobbying services":0,"Investment management fees":0,"Other services":0,"Advertising":0,"Office expenses":415,"Information technology":0,"Royalties":0,"Occupancy":0,"Travel":0,"Conferences and meetings":0,"Interest":0,"Payments to affiliates":0,"Depreciation and depletion":167,"Insurance":14512,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":36793,"ADMINISTRATIVE EXPENSES":19766,"CONSULTING EXPENSES":3000,"FINANCIAL COUNSELING":10045,"ANTHEM FEES":3982},"All other expenses":570},"Functional Expenses":{"value":null,"Program Service Expenses":399245,"Management And General Expenses":81211,"Fundraising Expenses":0}},"Assets":{"value":538718,"Non-interest bearing cash":387214,"Savings and temp cash investments":150000,"Pledges and grants receivable":0,"Accounts receivable":0,"Receivables from officers":0,"Receivables from disqual persons":0,"Other net note and loans":0,"Inventories for sale or use":0,"Prepaid expenses deferred charges":0,"Land, building, equipment":1504,"Investments publicly traded":0,"Investments other":0,"Investments program related":0,"Intangible assets":0,"Other assets":0},"Liabilities":{"value":88531,"Sum of Total Liabilities":0,"Accounts payable, accrued":88531,"Grants payable":0,"Deferred, revenue":0,"Tax exempt bond liabilities":0,"Escrow account liability":0,"Loans from officers, directors":0,"Secured mortgages and notes payable":0,"Unsecured notes loans payable":0,"Other liabilities":0},"Fund balance":{"value":450187,"Net assets without donor restriction":450187,"Net assets with donor restriction":0,"Unrestricted net assets":0,"Temporarily restricted net assets":0,"Permanently restricted net assets":0},"Ratings":{"Program Expense Ratio":{"score":0.8309709942221556,"percentile":0.6659743984274931},"Fundraising Efficiency":{"score":null,"percentile":null},"Operating Margin":{"score":-0.054714048628855934,"percentile":0.2782148577479798},"Liabilities to Assets Ratio":{"score":0.1643364431854885,"percentile":0.2734006928501081},"Operating Reserve Ratio":{"score":1.1212639658990626,"percentile":0.4561440700658555},"Officer Compensation Ratio":{"score":0.048849426378273976,"percentile":0.7625158299174574},"Program Expense Growth":{"score":0.012433481540322965,"percentile":0.3728171612535036},"Revenue Growth":{"score":0.03349704850345471,"percentile":0.5316481566560307},"Asset Growth":{"score":0.03425930968570527,"percentile":0.4637429850116084},"Independent Voting Board Pct":{"score":1.0,"percentile":0.9933392423419786},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.5615148030923256,"percentile":0.4914927516552232}},"source_xml":"202221109349300927_public.xml"},{"Organization":{"value":null,"Person":["Alison Genez","Monica Manko-Schmidt","Catherine Jelinek","Laura Vegliante","Michele Rabasco","Joan Cass"],"Title":["President","Treasurer","Vice President","Secretary","Trustee","Trustee"],"Hours":[1.0,1.0,1.0,1.0,1.0,1.0],"Total Compensation":[9928,6137,3525,2914,707,707],"Direct compensation":[9928,6137,3525,2914,707,707],"Other compensation":[0,0,0,0,0,0]},"Basic":{"value":null,"mission":"To provide dental, vision, and flex medical coverage for plan enrollees and their immediate family where applicable.","year":2023,"name":"Somers Faculty Association Trust Fund","phone":2032697741,"website":null,"type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"Monica Manko-Schmidt","year_formation":1979,"state_legal_domicile":"NY","total_volunteers":null,"tax_period_begin":"2023-07-01T00:00:00","tax_period_end":"2024-06-30T00:00:00","address":"PO Box 15136, Albany, NY, 12212, USA","city":"Albany","state":"NY","country":"USA","zip_code":12212},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":6,"Number of independent voting members":6,"Number of employees total":0,"Total Gross UBI":0,"Net unrelated business taxable income":null,"Number of employees":0,"Prohibited tax shelter transactions":true,"Taxable party notification":true,"Funds to pay premiums":false,"Premiums Paid":false,"Family or business relationship":true,"Delegation of management duties":true,"Conflict of interest policy":true,"Whistle blower policy":true,"Compensation process for CEO":true,"Compensation process for other employees":true,"Changes to organizing documents":true,"Material diversion or misuse":true,"Members or stockholders":true,"Election of board members":true,"Decisions subject to approval":true,"Minutes of governing body":true,"Local chapters":true,"Form 990 provided to governing body":true,"Document retention policy":true,"Investment in joint venture":true,"Independent audit financial statements":true,"Consolidated audit financial statements":true,"Accountant compile or review":true,"Political activities":true,"Donor advised funds":true,"Conservation easements":true,"Collections of art":true,"School":true,"Hospital":true,"Foreign activities":true,"Foreign office":true,"Gaming":true,"Fundraising activities":true,"Professional fundraising":true,"Loan to officer or DQP":true,"Grant to related person":true,"Business relationship through family member":true,"Business relationship with organization":true},"Revenues":{"value":508039,"Contributions":{"value":0,"Other contributions":0,"Contributions from gifts and grants":0,"Fundraising revenue":0,"Dues":0,"Campaigns":0,"Grant revenue":0,"Related organizations":0},"Program revenue":{"value":500129,"Total revenue":{"value":500129,"CONTRIBUTIONS - BOARD OF EDUCATION":499569,"CONTRIBUTIONS - MEMBERS":560},"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":7910,"Investment income total":7910,"Net investment gain":0,"Income from invest bond proceeds":0},"Other revenues":{"value":0,"Other total":0,"Royalties revenue":0,"Net rental income":0,"Net income from fundraising events":0,"Net income from gaming":0,"Net income":0,"Gross profit from sales of inventory":0,"Gain from sale of assets":0}},"Expenses":{"value":576628,"Grant expense":{"value":0,"Grants to domestic orgs":0,"Grants to domestic individuals":0,"Grants and similar":0,"Foreign grants":0},"Total professional fundraising expense":{"value":0,"Fundraising professional":0,"Fees to independent contractors":0},"Benefits paid to members":{"value":474967,"Benefits paid to members Total":474967},"Salaries":{"value":23918,"Current officers":23918,"Disqualified persons":0,"Other salaries and wages":0,"Pension plan contributions":0,"Other employee benefits":0,"Payroll taxes":0},"Other expenses":{"value":77743,"Management services":0,"Legal":20100,"Accounting":5650,"Lobbying services":0,"Investment management fees":0,"Other services":0,"Advertising":0,"Office expenses":793,"Information technology":0,"Royalties":0,"Occupancy":0,"Travel":0,"Conferences and meetings":0,"Interest":0,"Payments to affiliates":0,"Depreciation and depletion":952,"Insurance":14205,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":35983,"ADMINISTRATIVE EXPENSES":22467,"FINANCIAL COUNSELING":12556,"ANTHEM FEES":360,"FIDUCIARY BOND":600},"All other expenses":60},"Functional Expenses":{"value":null,"Program Service Expenses":497434,"Management And General Expenses":79194,"Fundraising Expenses":0}},"Assets":{"value":301085,"Non-interest bearing cash":220247,"Savings and temp cash investments":79788,"Pledges and grants receivable":0,"Accounts receivable":0,"Receivables from officers":0,"Receivables from disqual persons":0,"Other net note and loans":0,"Inventories for sale or use":0,"Prepaid expenses deferred charges":0,"Land, building, equipment":1050,"Investments publicly traded":0,"Investments other":0,"Investments program related":0,"Intangible assets":0,"Other assets":0},"Liabilities":{"value":116080,"Sum of Total Liabilities":0,"Accounts payable, accrued":116080,"Grants payable":0,"Deferred, revenue":0,"Tax exempt bond liabilities":0,"Escrow account liability":0,"Loans from officers, directors":0,"Secured mortgages and notes payable":0,"Unsecured notes loans payable":0,"Other liabilities":0},"Fund balance":{"value":185005,"Net assets without donor restriction":185005,"Net assets with donor restriction":0,"Unrestricted net assets":0,"Temporarily restricted net assets":0,"Permanently restricted net assets":0},"Ratings":{"Program Expense Ratio":{"score":0.8626601552474039,"percentile":0.7127278805797008},"Fundraising Efficiency":{"score":null,"percentile":null},"Operating Margin":{"score":-0.13500735179779505,"percentile":0.19210671821001538},"Liabilities to Assets Ratio":{"score":0.3855389674012322,"percentile":0.16950922844225075},"Operating Reserve Ratio":{"score":0.5221477278245247,"percentile":0.26021152086016514},"Officer Compensation Ratio":{"score":0.04147908183438889,"percentile":0.799712534071257},"Program Expense Growth":{"score":0.04006391894522048,"percentile":0.491885182617667},"Revenue Growth":{"score":0.02970950693057751,"percentile":0.513250412741181},"Asset Growth":{"score":-0.015811594861452075,"percentile":0.25999999439277544},"Independent Voting Board Pct":{"score":1.0,"percentile":0.9933392423419786},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.5458354888997218,"percentile":0.4451497015328626}},"source_xml":"202530319349300408_public.xml"},{"Organization":{"value":null,"Person":["Alison Genez","Monica Manko-Schmidt","Catherine Jelinek","Laura Vegliante","Michele Rabasco","Joan Cass"],"Title":["President","Treasurer","Vice President","Secretary","Trustee","Trustee"],"Hours":[1.0,1.0,1.0,1.0,1.0,1.0],"Total Compensation":[9790,6052,3476,2874,698,698],"Direct compensation":[9790,6052,3476,2874,698,698],"Other compensation":[0,0,0,0,0,0]},"Basic":{"value":null,"mission":"To provide dental, vision, and flex medical coverage for plan enrollees and their immediate family where applicable.","year":2022,"name":"Somers Faculty Association Trust Fund","phone":2032697741,"website":null,"type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"Monica Manko-Schmidt","year_formation":1979,"state_legal_domicile":"NY","total_volunteers":null,"tax_period_begin":"2022-07-01T00:00:00","tax_period_end":"2023-06-30T00:00:00","address":"PO Box 15136, Albany, NY, 12212, USA","city":"Albany","state":"NY","country":"USA","zip_code":12212},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":6,"Number of independent voting members":6,"Number of employees total":0,"Total Gross UBI":0,"Net unrelated business taxable income":null,"Number of employees":0,"Prohibited tax shelter transactions":true,"Taxable party notification":true,"Funds to pay premiums":false,"Premiums Paid":false,"Family or business relationship":true,"Delegation of management duties":true,"Conflict of interest policy":true,"Whistle blower policy":true,"Compensation process for CEO":true,"Compensation process for other employees":true,"Changes to organizing documents":true,"Material diversion or misuse":true,"Members or stockholders":true,"Election of board members":true,"Decisions subject to approval":true,"Minutes of governing body":true,"Local chapters":true,"Form 990 provided to governing body":true,"Document retention policy":true,"Investment in joint venture":true,"Independent audit financial statements":true,"Consolidated audit financial statements":true,"Accountant compile or review":true,"Political activities":true,"Donor advised funds":true,"Conservation easements":true,"Collections of art":true,"School":true,"Hospital":true,"Foreign activities":true,"Foreign office":true,"Gaming":true,"Fundraising activities":true,"Professional fundraising":true,"Loan to officer or DQP":true,"Grant to related person":true,"Business relationship through family member":true,"Business relationship with organization":true},"Revenues":{"value":469933,"Contributions":{"value":0,"Other contributions":0,"Contributions from gifts and grants":0,"Fundraising revenue":0,"Dues":0,"Campaigns":0,"Grant revenue":0,"Related organizations":0},"Program revenue":{"value":462840,"Total revenue":462840,"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":7093,"Investment income total":7093,"Net investment gain":0,"Income from invest bond proceeds":0},"Other revenues":{"value":0,"Other total":0,"Royalties revenue":0,"Net rental income":0,"Net income from fundraising events":0,"Net income from gaming":0,"Net income":0,"Gross profit from sales of inventory":0,"Gain from sale of assets":0}},"Expenses":{"value":603029,"Grant expense":{"value":0,"Grants to domestic orgs":0,"Grants to domestic individuals":0,"Grants and similar":0,"Foreign grants":0},"Total professional fundraising expense":{"value":0,"Fundraising professional":0,"Fees to independent contractors":0},"Benefits paid to members":{"value":507589,"Benefits paid to members Total":507589},"Salaries":{"value":23588,"Current officers":23588,"Disqualified persons":0,"Other salaries and wages":0,"Pension plan contributions":0,"Other employee benefits":0,"Payroll taxes":0},"Other expenses":{"value":71852,"Management services":0,"Legal":20100,"Accounting":5400,"Lobbying services":0,"Investment management fees":0,"Other services":0,"Advertising":0,"Office expenses":179,"Information technology":0,"Royalties":0,"Occupancy":0,"Travel":0,"Conferences and meetings":0,"Interest":0,"Payments to affiliates":0,"Depreciation and depletion":334,"Insurance":14473,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":31817,"ADMINISTRATIVE EXPENSES":21592,"FINANCIAL COUNSELING":5023,"ANTHEM FEES":4602,"FIDUCIARY BOND":600},"All other expenses":-451},"Functional Expenses":{"value":null,"Program Service Expenses":529181,"Management And General Expenses":73848,"Fundraising Expenses":0}},"Assets":{"value":371121,"Non-interest bearing cash":191524,"Savings and temp cash investments":178761,"Pledges and grants receivable":0,"Accounts receivable":0,"Receivables from officers":0,"Receivables from disqual persons":0,"Other net note and loans":0,"Inventories for sale or use":0,"Prepaid expenses deferred charges":0,"Land, building, equipment":836,"Investments publicly traded":0,"Investments other":0,"Investments program related":0,"Intangible assets":0,"Other assets":0},"Liabilities":{"value":117527,"Sum of Total Liabilities":0,"Accounts payable, accrued":117527,"Grants payable":0,"Deferred, revenue":0,"Tax exempt bond liabilities":0,"Escrow account liability":0,"Loans from officers, directors":0,"Secured mortgages and notes payable":0,"Unsecured notes loans payable":0,"Other liabilities":0},"Fund balance":{"value":253594,"Net assets without donor restriction":253594,"Net assets with donor restriction":0,"Unrestricted net assets":0,"Temporarily restricted net assets":0,"Permanently restricted net assets":0},"Ratings":{"Program Expense Ratio":{"score":0.877538227846422,"percentile":0.7354603530084667},"Fundraising Efficiency":{"score":null,"percentile":null},"Operating Margin":{"score":-0.2832233531162953,"percentile":0.1182308848816073},"Liabilities to Assets Ratio":{"score":0.31668108245019816,"percentile":0.1948962527428048},"Operating Reserve Ratio":{"score":0.6154281137391402,"percentile":0.2971426920054104},"Officer Compensation Ratio":{"score":0.03911586341618728,"percentile":0.8119828262794456},"Program Expense Growth":{"score":0.03741068948061659,"percentile":0.48083206441125587},"Revenue Growth":{"score":0.02801365477866394,"percentile":0.5049353962413325},"Asset Growth":{"score":0.0026151572132105264,"percentile":0.33098605567357203},"Independent Voting Board Pct":{"score":1.0,"percentile":0.9933392423419786},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.5459576638042112,"percentile":0.44551407362196055}},"source_xml":"202410609349300206_public.xml"},{"Organization":{"value":null,"Person":["Alison Genez","Monica Manko-Schmidt","Catherine Jelinek","Laura Vegliante","Michele Rabasco","Joan Cass"],"Title":["President","Treasurer","Vice President","Secretary","Trustee","Trustee"],"Hours":[1.0,1.0,1.0,1.0,1.0,1.0],"Total Compensation":[9766,6037,3468,2866,696,696],"Direct compensation":[9766,6037,3468,2866,696,696],"Other compensation":[0,0,0,0,0,0]},"Basic":{"value":null,"mission":"To provide dental, vision, and flex medical coverage for plan enrollees and their immediate family where applicable. also to provide group life and accidental death & dismemberment insurance coverage.","year":2021,"name":"Somers Faculty Association Trust Fund","phone":2032697741,"website":null,"type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"Monica Manko-Schmidt","year_formation":1979,"state_legal_domicile":"NY","total_volunteers":null,"tax_period_begin":"2021-07-01T00:00:00","tax_period_end":"2022-06-30T00:00:00","address":"PO Box 5817, Wallingford, CT, 64926717, USA","city":"Wallingford","state":"CT","country":"USA","zip_code":64926717},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":6,"Number of independent voting members":6,"Number of employees total":0,"Total Gross UBI":0,"Net unrelated business taxable income":null,"Number of employees":0,"Prohibited tax shelter transactions":true,"Taxable party notification":true,"Funds to pay premiums":false,"Premiums Paid":false,"Family or business relationship":true,"Delegation of management duties":true,"Conflict of interest policy":true,"Whistle blower policy":true,"Compensation process for CEO":true,"Compensation process for other employees":true,"Changes to organizing documents":true,"Material diversion or misuse":true,"Members or stockholders":true,"Election of board members":true,"Decisions subject to approval":true,"Minutes of governing body":true,"Local chapters":true,"Form 990 provided to governing body":true,"Document retention policy":true,"Investment in joint venture":true,"Independent audit financial statements":true,"Consolidated audit financial statements":true,"Accountant compile or review":true,"Political activities":true,"Donor advised funds":true,"Conservation easements":true,"Collections of art":true,"School":true,"Hospital":true,"Foreign activities":true,"Foreign office":true,"Gaming":true,"Fundraising activities":true,"Professional fundraising":true,"Loan to officer or DQP":true,"Grant to related person":true,"Business relationship through family member":true,"Business relationship with organization":true},"Revenues":{"value":451580,"Contributions":{"value":0,"Other contributions":0,"Contributions from gifts and grants":0,"Fundraising revenue":0,"Dues":0,"Campaigns":0,"Grant revenue":0,"Related organizations":0},"Program revenue":{"value":449810,"Total revenue":{"value":449810,"CONTRIBUTIONS - BOARD OF EDUCATION":446310,"CONTRIBUTIONS - MEMBERS":3500},"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":1770,"Investment income total":1770,"Net investment gain":0,"Income from invest bond proceeds":0},"Other revenues":{"value":0,"Other total":0,"Royalties revenue":0,"Net rental income":0,"Net income from fundraising events":0,"Net income from gaming":0,"Net income":0,"Gross profit from sales of inventory":0,"Gain from sale of assets":0}},"Expenses":{"value":515077,"Grant expense":{"value":0,"Grants to domestic orgs":0,"Grants to domestic individuals":0,"Grants and similar":0,"Foreign grants":0},"Total professional fundraising expense":{"value":0,"Fundraising professional":0,"Fees to independent contractors":0},"Benefits paid to members":{"value":414682,"Benefits paid to members Total":414682},"Salaries":{"value":23529,"Current officers":23529,"Disqualified persons":0,"Other salaries and wages":0,"Pension plan contributions":0,"Other employee benefits":0,"Payroll taxes":0},"Other expenses":{"value":76866,"Management services":0,"Legal":20100,"Accounting":5150,"Lobbying services":0,"Investment management fees":0,"Other services":0,"Advertising":0,"Office expenses":1151,"Information technology":0,"Royalties":0,"Occupancy":0,"Travel":0,"Conferences and meetings":0,"Interest":0,"Payments to affiliates":0,"Depreciation and depletion":334,"Insurance":14023,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":34908,"ADMINISTRATIVE EXPENSES":20342,"CONSULTING EXPENSES":459,"FINANCIAL COUNSELING":10045,"ANTHEM FEES":4062},"All other expenses":1200},"Functional Expenses":{"value":null,"Program Service Expenses":435024,"Management And General Expenses":80053,"Fundraising Expenses":0}},"Assets":{"value":487639,"Non-interest bearing cash":334974,"Savings and temp cash investments":151495,"Pledges and grants receivable":0,"Accounts receivable":0,"Receivables from officers":0,"Receivables from disqual persons":0,"Other net note and loans":0,"Inventories for sale or use":0,"Prepaid expenses deferred charges":0,"Land, building, equipment":1170,"Investments publicly traded":0,"Investments other":0,"Investments program related":0,"Intangible assets":0,"Other assets":0},"Liabilities":{"value":100949,"Sum of Total Liabilities":0,"Accounts payable, accrued":100949,"Grants payable":0,"Deferred, revenue":0,"Tax exempt bond liabilities":0,"Escrow account liability":0,"Loans from officers, directors":0,"Secured mortgages and notes payable":0,"Unsecured notes loans payable":0,"Other liabilities":0},"Fund balance":{"value":386690,"Net assets without donor restriction":386690,"Net assets with donor restriction":0,"Unrestricted net assets":0,"Temporarily restricted net assets":0,"Permanently restricted net assets":0},"Ratings":{"Program Expense Ratio":{"score":0.8445805190291937,"percentile":0.6850746779663748},"Fundraising Efficiency":{"score":null,"percentile":null},"Operating Margin":{"score":-0.14061074449709907,"percentile":0.18782969091721713},"Liabilities to Assets Ratio":{"score":0.20701584573834333,"percentile":0.24703207627250576},"Operating Reserve Ratio":{"score":0.9467302946938031,"percentile":0.40826985814606714},"Officer Compensation Ratio":{"score":0.04568054873349033,"percentile":0.7782580814994723},"Program Expense Growth":{"score":0.021550218379887468,"percentile":0.4118955339369889},"Revenue Growth":{"score":0.029455426410314373,"percentile":0.5120062399019444},"Asset Growth":{"score":0.022555612383917525,"percentile":0.4146553785759724},"Independent Voting Board Pct":{"score":1.0,"percentile":0.9933392423419786},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.5483752137818556,"percentile":0.45253673568604647}},"source_xml":"202310109349300516_public.xml"},{"Organization":{"value":null,"Person":["Alison Genez","Monica Manko-Schmidt","Catherine Jelinek","Laura Vegliante","Elizabeth Stewart","Joan Cass"],"Title":["President","Treasurer","Secretary","Secretary","Trustee","Trustee"],"Hours":[1.0,1.0,1.0,1.0,1.0,1.0],"Total Compensation":[9967,6162,3539,2926,599,599],"Direct compensation":[9967,6162,3539,2926,599,599],"Other compensation":[0,0,0,0,0,0]},"Basic":{"value":null,"mission":"To provide dental, vision, and flex medical coverage for plan enrollees and their immediate family where applicable.","year":2024,"name":"Somers Faculty Association Trust Fund","phone":2032697741,"website":null,"type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"Alison Genez","year_formation":1979,"state_legal_domicile":"NY","total_volunteers":null,"tax_period_begin":"2024-07-01T00:00:00","tax_period_end":"2025-06-30T00:00:00","address":"PO Box 15136, Albany, NY, 12212, USA","city":"Albany","state":"NY","country":"USA","zip_code":12212},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":6,"Number of independent voting members":6,"Number of employees total":0,"Total Gross UBI":0,"Net unrelated business taxable income":null,"Number of employees":0,"Prohibited tax shelter transactions":true,"Taxable party notification":true,"Funds to pay premiums":false,"Premiums Paid":false,"Family or business relationship":true,"Delegation of management duties":true,"Conflict of interest policy":true,"Whistle blower policy":true,"Compensation process for CEO":true,"Compensation process for other employees":true,"Changes to organizing documents":true,"Material diversion or misuse":true,"Members or stockholders":true,"Election of board members":true,"Decisions subject to approval":true,"Minutes of governing body":true,"Local chapters":true,"Form 990 provided to governing body":true,"Document retention policy":true,"Investment in joint venture":true,"Independent audit financial statements":true,"Consolidated audit financial statements":true,"Accountant compile or review":true,"Political activities":true,"Donor advised funds":true,"Conservation easements":true,"Collections of art":true,"School":true,"Hospital":true,"Foreign activities":true,"Foreign office":true,"Gaming":true,"Fundraising activities":true,"Professional fundraising":true,"Loan to officer or DQP":true,"Grant to related person":true,"Business relationship through family member":true,"Business relationship with organization":true},"Revenues":{"value":482116,"Contributions":{"value":0,"Other contributions":0,"Contributions from gifts and grants":0,"Fundraising revenue":0,"Dues":0,"Campaigns":0,"Grant revenue":0,"Related organizations":0},"Program revenue":{"value":475907,"Total revenue":{"value":475907,"CONTRIBUTIONS - BOARD OF EDUCATION":460447,"CONTRIBUTIONS - MEMBERS":15460},"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":6209,"Investment income total":6209,"Net investment gain":0,"Income from invest bond proceeds":0},"Other revenues":{"value":0,"Other total":0,"Royalties revenue":0,"Net rental income":0,"Net income from fundraising events":0,"Net income from gaming":0,"Net income":0,"Gross profit from sales of inventory":0,"Gain from sale of assets":0}},"Expenses":{"value":478150,"Grant expense":{"value":0,"Grants to domestic orgs":0,"Grants to domestic individuals":0,"Grants and similar":0,"Foreign grants":0},"Total professional fundraising expense":{"value":0,"Fundraising professional":0,"Fees to independent contractors":0},"Benefits paid to members":{"value":400227,"Benefits paid to members Total":400227},"Salaries":{"value":23792,"Current officers":23792,"Disqualified persons":0,"Other salaries and wages":0,"Pension plan contributions":0,"Other employee benefits":0,"Payroll taxes":0},"Other expenses":{"value":54131,"Management services":0,"Legal":10050,"Accounting":5900,"Lobbying services":0,"Investment management fees":0,"Other services":0,"Advertising":0,"Office expenses":2567,"Information technology":0,"Royalties":0,"Occupancy":0,"Travel":0,"Conferences and meetings":0,"Interest":0,"Payments to affiliates":0,"Depreciation and depletion":117,"Insurance":11664,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":23833,"ADMINISTRATIVE EXPENSES":18988,"FINANCIAL COUNSELING":4185,"FIDUCIARY BOND":600,"BANK CHARGES":60},"All other expenses":0},"Functional Expenses":{"value":null,"Program Service Expenses":419215,"Management And General Expenses":58935,"Fundraising Expenses":0}},"Assets":{"value":259078,"Non-interest bearing cash":258145,"Savings and temp cash investments":0,"Pledges and grants receivable":0,"Accounts receivable":0,"Receivables from officers":0,"Receivables from disqual persons":0,"Other net note and loans":0,"Inventories for sale or use":0,"Prepaid expenses deferred charges":0,"Land, building, equipment":933,"Investments publicly traded":0,"Investments other":0,"Investments program related":0,"Intangible assets":0,"Other assets":0},"Liabilities":{"value":70107,"Sum of Total Liabilities":0,"Accounts payable, accrued":70107,"Grants payable":0,"Deferred, revenue":0,"Tax exempt bond liabilities":0,"Escrow account liability":0,"Loans from officers, directors":0,"Secured mortgages and notes payable":0,"Unsecured notes loans payable":0,"Other liabilities":0},"Fund balance":{"value":188971,"Net assets without donor restriction":188971,"Net assets with donor restriction":0,"Unrestricted net assets":0,"Temporarily restricted net assets":0,"Permanently restricted net assets":0},"Ratings":{"Program Expense Ratio":{"score":0.876743699675834,"percentile":0.7342384780839906},"Fundraising Efficiency":{"score":null,"percentile":null},"Operating Margin":{"score":0.008226236009591053,"percentile":0.41999629484626977},"Liabilities to Assets Ratio":{"score":0.2706019036737971,"percentile":0.21470733310063533},"Operating Reserve Ratio":{"score":0.5418341524626163,"percentile":0.2682887051789326},"Officer Compensation Ratio":{"score":0.04975844400292795,"percentile":0.7579684373545515},"Program Expense Growth":{"score":0.032859855977492136,"percentile":0.4612716698614654},"Revenue Growth":{"score":0.02724433333429586,"percentile":0.5010878113336754},"Asset Growth":{"score":-0.0304733678480883,"percentile":0.2117192675731119},"Independent Voting Board Pct":{"score":1.0,"percentile":0.9933392423419786},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.5832679886278653,"percentile":0.5561503988794458}},"source_xml":"202610229349301016_public.xml"},{"Organization":{"value":null,"Person":["Alison Genez","Brian D Hugick","Laura Vegliante","Monica Manko-Schmidt","Michele Rabasco","Catherine Jelinek"],"Title":["President","Treasurer","Secretary","Trustee","Trustee","Trustee"],"Hours":[1.0,1.0,1.0,1.0,1.0,1.0],"Total Compensation":[8449,5223,2480,602,601,601],"Direct compensation":[8449,5223,2480,602,601,601],"Other compensation":[0,0,0,0,0,0]},"Basic":{"value":null,"mission":"To provide dental, vision, and flex medical coverage for plan enrollees and their immediate family where applicable.","year":2019,"name":"Somers Faculty Association Trust Fund","phone":2032697741,"website":null,"type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"Alison Genez","year_formation":1979,"state_legal_domicile":"NY","total_volunteers":null,"tax_period_begin":"2019-07-01T00:00:00","tax_period_end":"2020-06-30T00:00:00","address":"PO Box 5817, Wallingford, CT, 64926717, USA","city":"Wallingford","state":"CT","country":"USA","zip_code":64926717},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":6,"Number of independent voting members":6,"Number of employees total":0,"Total Gross UBI":0,"Net unrelated business taxable income":null,"Number of employees":0,"Prohibited tax shelter transactions":true,"Taxable party notification":true,"Funds to pay premiums":false,"Premiums Paid":false,"Family or business relationship":true,"Delegation of management duties":true,"Conflict of interest policy":true,"Whistle blower policy":true,"Compensation process for CEO":true,"Compensation process for other employees":true,"Changes to organizing documents":true,"Material diversion or misuse":true,"Members or stockholders":true,"Election of board members":true,"Decisions subject to approval":true,"Minutes of governing body":true,"Local chapters":true,"Form 990 provided to governing body":true,"Document retention policy":true,"Investment in joint venture":true,"Independent audit financial statements":true,"Consolidated audit financial statements":true,"Accountant compile or review":true,"Political activities":true,"Donor advised funds":true,"Conservation easements":true,"Collections of art":true,"School":true,"Hospital":true,"Foreign activities":true,"Foreign office":true,"Gaming":true,"Fundraising activities":true,"Professional fundraising":true,"Loan to officer or DQP":true,"Grant to related person":true,"Business relationship through family member":true,"Business relationship with organization":true},"Revenues":{"value":452168,"Contributions":{"value":0,"Other contributions":0,"Contributions from gifts and grants":0,"Fundraising revenue":0,"Dues":0,"Campaigns":0,"Grant revenue":0,"Related organizations":0},"Program revenue":{"value":449211,"Total revenue":{"value":449211,"CONTRIBUTIONS - BOARD OF EDUCATION":441119,"CONTRIBUTIONS - MEMBERS":7972,"CONTRIBUTIONS - RETIREES":120},"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":2957,"Investment income total":2957,"Net investment gain":0,"Income from invest bond proceeds":0},"Other revenues":{"value":0,"Other total":0,"Royalties revenue":0,"Net rental income":0,"Net income from fundraising events":0,"Net income from gaming":0,"Net income":0,"Gross profit from sales of inventory":0,"Gain from sale of assets":0}},"Expenses":{"value":430453,"Grant expense":{"value":0,"Grants to domestic orgs":0,"Grants to domestic individuals":0,"Grants and similar":0,"Foreign grants":0},"Total professional fundraising expense":{"value":0,"Fundraising professional":0,"Fees to independent contractors":0},"Benefits paid to members":{"value":335911,"Benefits paid to members Total":335911},"Salaries":{"value":17956,"Current officers":17956,"Disqualified persons":0,"Other salaries and wages":0,"Pension plan contributions":0,"Other employee benefits":0,"Payroll taxes":0},"Other expenses":{"value":76586,"Management services":0,"Legal":20100,"Accounting":4800,"Lobbying services":0,"Investment management fees":0,"Other services":0,"Advertising":0,"Office expenses":470,"Information technology":0,"Royalties":0,"Occupancy":0,"Travel":0,"Conferences and meetings":0,"Interest":0,"Payments to affiliates":0,"Depreciation and depletion":0,"Insurance":13954,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":33130,"ADMINISTRATIVE EXPENSES":19715,"BANK CHARGES":438,"TAXES":5443,"FINANCIAL COUNSELING":7534},"All other expenses":4132},"Functional Expenses":{"value":null,"Program Service Expenses":355626,"Management And General Expenses":74827,"Fundraising Expenses":0}},"Assets":{"value":547185,"Non-interest bearing cash":547185,"Savings and temp cash investments":0,"Pledges and grants receivable":0,"Accounts receivable":0,"Receivables from officers":0,"Receivables from disqual persons":0,"Other net note and loans":0,"Inventories for sale or use":0,"Prepaid expenses deferred charges":0,"Land, building, equipment":0,"Investments publicly traded":0,"Investments other":0,"Investments program related":0,"Intangible assets":0,"Other assets":0},"Liabilities":{"value":72074,"Sum of Total Liabilities":0,"Accounts payable, accrued":72074,"Grants payable":0,"Deferred, revenue":0,"Tax exempt bond liabilities":0,"Escrow account liability":0,"Loans from officers, directors":0,"Secured mortgages and notes payable":0,"Unsecured notes loans payable":0,"Other liabilities":0},"Fund balance":{"value":475111,"Net assets without donor restriction":475111,"Net assets with donor restriction":0,"Unrestricted net assets":0,"Temporarily restricted net assets":0,"Permanently restricted net assets":0},"Ratings":{"Program Expense Ratio":{"score":0.8261668521301977,"percentile":0.6593452184350657},"Fundraising Efficiency":{"score":null,"percentile":null},"Operating Margin":{"score":0.04802418570088993,"percentile":0.5205288546489387},"Liabilities to Assets Ratio":{"score":0.13171779197163666,"percentile":0.2975476170577468},"Operating Reserve Ratio":{"score":1.2711840781688128,"percentile":0.49177094408356553},"Officer Compensation Ratio":{"score":0.04171419411643083,"percentile":0.7984734904742113},"Program Expense Growth":{"score":0.004255252372558325,"percentile":0.3401518079247576},"Revenue Growth":{"score":0.03587383525196246,"percentile":0.5430167719762107},"Asset Growth":{"score":0.040395234743613784,"percentile":0.48891830189689606},"Independent Voting Board Pct":{"score":1.0,"percentile":0.9933392423419786},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.6041571333291548,"percentile":0.6176302895198228}},"source_xml":"202110219349300206_public.xml"},{"Organization":{"value":null,"Person":["Alison Genez","Brian D Hugick","Monica Manko-Schmidt","Laura Vegliante","Kristen Landau","Cathy Jelinek"],"Title":["President","Treasurer","Trustee","Secretary","Trustee","Trustee"],"Hours":[0.0,0.0,0.0,0.0,0.0,0.0],"Total Compensation":[8137,5030,579,2389,579,579],"Direct compensation":[8137,5030,579,2389,579,579],"Other compensation":[0,0,0,0,0,0]},"Basic":{"value":null,"mission":"To provide dental, vision, and flex medical coverage for plan enrollees and their immediate family where applicable.","year":2017,"name":"Somers Faculty Association Trust Fund","phone":2032697741,"website":null,"type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"Alison Genez","year_formation":1979,"state_legal_domicile":"NY","total_volunteers":null,"tax_period_begin":"2017-07-01T00:00:00","tax_period_end":"2018-06-30T00:00:00","address":"PO Box 5817, Wallingford, CT, 64926717, USA","city":"Wallingford","state":"CT","country":"USA","zip_code":64926717},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":7,"Number of independent voting members":7,"Number of employees total":0,"Total Gross UBI":0,"Net unrelated business taxable income":null,"Number of employees":0,"Prohibited tax shelter transactions":true,"Taxable party notification":true,"Funds to pay premiums":false,"Premiums Paid":false,"Family or business relationship":true,"Delegation of management duties":true,"Conflict of interest policy":true,"Whistle blower policy":true,"Compensation process for CEO":true,"Compensation process for other employees":true,"Changes to organizing documents":true,"Material diversion or misuse":true,"Members or stockholders":true,"Election of board members":true,"Decisions subject to approval":true,"Minutes of governing body":true,"Local chapters":true,"Form 990 provided to governing body":true,"Document retention policy":true,"Investment in joint venture":true,"Independent audit financial statements":true,"Consolidated audit financial statements":true,"Accountant compile or review":true,"Political activities":true,"Donor advised funds":true,"Conservation easements":true,"Collections of art":true,"School":true,"Hospital":true,"Foreign activities":true,"Foreign office":true,"Gaming":true,"Fundraising activities":true,"Professional fundraising":true,"Loan to officer or DQP":true,"Grant to related person":true,"Business relationship through family member":true,"Business relationship with organization":true},"Revenues":{"value":427387,"Contributions":{"value":0,"Other contributions":0,"Contributions from gifts and grants":0,"Fundraising revenue":0,"Dues":0,"Campaigns":0,"Grant revenue":0,"Related organizations":0},"Program revenue":{"value":424441,"Total revenue":{"value":424441,"CONTRIBUTIONS - BOARD OF EDUCATION":421800,"CONTRIBUTIONS - MEMBER COBRA":2641},"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":2946,"Investment income total":2946,"Net investment gain":0,"Income from invest bond proceeds":0},"Other revenues":{"value":0,"Other total":0,"Royalties revenue":0,"Net rental income":0,"Net income from fundraising events":0,"Net income from gaming":0,"Net income":0,"Gross profit from sales of inventory":0,"Gain from sale of assets":0}},"Expenses":{"value":357238,"Grant expense":{"value":0,"Grants to domestic orgs":0,"Grants to domestic individuals":0,"Grants and similar":0,"Foreign grants":0},"Total professional fundraising expense":{"value":0,"Fundraising professional":0,"Fees to independent contractors":0},"Benefits paid to members":{"value":275237,"Benefits paid to members Total":275237},"Salaries":{"value":17293,"Current officers":17293,"Disqualified persons":0,"Other salaries and wages":0,"Pension plan contributions":0,"Other employee benefits":0,"Payroll taxes":0},"Other expenses":{"value":64708,"Management services":0,"Legal":20100,"Accounting":4600,"Lobbying services":0,"Investment management fees":0,"Other services":0,"Advertising":0,"Office expenses":756,"Information technology":0,"Royalties":0,"Occupancy":0,"Travel":0,"Conferences and meetings":0,"Interest":0,"Payments to affiliates":0,"Depreciation and depletion":0,"Insurance":16132,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":23120,"ADMINISTRATIVE EXPENSES":19326,"BANK CHARGES":648,"TAXES":2746,"FIDUCIARY BOND":400},"All other expenses":0},"Functional Expenses":{"value":null,"Program Service Expenses":357238,"Management And General Expenses":0,"Fundraising Expenses":0}},"Assets":{"value":524864,"Non-interest bearing cash":524864,"Savings and temp cash investments":0,"Pledges and grants receivable":0,"Accounts receivable":0,"Receivables from officers":0,"Receivables from disqual persons":0,"Other net note and loans":0,"Inventories for sale or use":0,"Prepaid expenses deferred charges":0,"Land, building, equipment":0,"Investments publicly traded":0,"Investments other":0,"Investments program related":0,"Intangible assets":0,"Other assets":0},"Liabilities":{"value":103246,"Sum of Total Liabilities":0,"Accounts payable, accrued":103246,"Grants payable":0,"Deferred, revenue":0,"Tax exempt bond liabilities":0,"Escrow account liability":0,"Loans from officers, directors":0,"Secured mortgages and notes payable":0,"Unsecured notes loans payable":0,"Other liabilities":0},"Fund balance":{"value":421618,"Net assets without donor restriction":0,"Net assets with donor restriction":0,"Unrestricted net assets":421618,"Temporarily restricted net assets":0,"Permanently restricted net assets":0},"Ratings":{"Program Expense Ratio":{"score":1.0,"percentile":0.9996999186356569},"Fundraising Efficiency":{"score":null,"percentile":null},"Operating Margin":{"score":0.16413461335978866,"percentile":0.7165086609496973},"Liabilities to Assets Ratio":{"score":0.19671000487745396,"percentile":0.2529841060709598},"Operating Reserve Ratio":{"score":1.4692277977146888,"percentile":0.5325707486208786},"Officer Compensation Ratio":{"score":0.04840750424087023,"percentile":0.7646769524704439},"Program Expense Growth":{"score":0.02688895281518667,"percentile":0.4352832602542757},"Revenue Growth":{"score":0.03138862388780669,"percentile":0.5214554022550213},"Asset Growth":{"score":0.05097613837254483,"percentile":0.5304824147624766},"Independent Voting Board Pct":{"score":1.0,"percentile":0.9933392423419786},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.7402394389637494,"percentile":0.9060655953753942}},"source_xml":"201900079349300400_public.xml"},{"Organization":{"value":null,"Person":["Alison Genez","Brian D Hugick","Monica Manko-Schmidt","Robert Fisher","Laura Vigliante","Kristen Landau"],"Title":["President","Treasurer","Trustee","Trustee","Secretary","Trustee"],"Hours":[4.0,4.0,1.0,1.0,1.0,1.0],"Total Compensation":[7836,4844,558,558,558,0],"Direct compensation":[7836,4844,558,558,558,0],"Other compensation":[0,0,0,0,0,0]},"Basic":{"value":null,"mission":"To provide dental, vision, and flex medical coverage for plan enrollees and their immediate family where applicable.","year":2015,"name":"Somers Faculty Association Trust Fund","phone":2032697741,"website":"www.insuranceprogrammers.com","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"Alison Genez","year_formation":1979,"state_legal_domicile":"NY","total_volunteers":8,"tax_period_begin":"2015-07-01T00:00:00","tax_period_end":"2016-06-30T00:00:00","address":"PO Box 5187, Wallingford, CT, 64926717, USA","city":"Wallingford","state":"CT","country":"USA","zip_code":64926717},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":6,"Number of independent voting members":6,"Number of employees total":0,"Total Gross UBI":0,"Net unrelated business taxable income":null,"Number of employees":0,"Prohibited tax shelter transactions":true,"Taxable party notification":true,"Funds to pay premiums":false,"Premiums Paid":false,"Family or business relationship":true,"Delegation of management duties":true,"Conflict of interest policy":true,"Whistle blower policy":true,"Compensation process for CEO":true,"Compensation process for other employees":true,"Changes to organizing documents":true,"Material diversion or misuse":true,"Members or stockholders":true,"Election of board members":true,"Decisions subject to approval":true,"Minutes of governing body":true,"Local chapters":true,"Form 990 provided to governing body":true,"Document retention policy":true,"Investment in joint venture":true,"Independent audit financial statements":true,"Consolidated audit financial statements":true,"Accountant compile or review":true,"Political activities":true,"Donor advised funds":true,"Conservation easements":true,"Collections of art":true,"School":true,"Hospital":true,"Foreign activities":true,"Foreign office":true,"Gaming":true,"Fundraising activities":true,"Professional fundraising":true,"Loan to officer or DQP":true,"Grant to related person":true,"Business relationship through family member":true,"Business relationship with organization":true},"Revenues":{"value":334367,"Contributions":{"value":0,"Other contributions":0,"Contributions from gifts and grants":0,"Fundraising revenue":0,"Dues":0,"Campaigns":0,"Grant revenue":0,"Related organizations":0},"Program revenue":{"value":332652,"Total revenue":{"value":332652,"CONTRIBUTIONS - BOARD OF EDUCATION":328275,"CONTRIBUTIONS - MEMBER COBRA":4377},"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":1715,"Investment income total":1715,"Net investment gain":0,"Income from invest bond proceeds":0},"Other revenues":{"value":0,"Other total":0,"Royalties revenue":0,"Net rental income":0,"Net income from fundraising events":0,"Net income from gaming":0,"Net income":0,"Gross profit from sales of inventory":0,"Gain from sale of assets":0}},"Expenses":{"value":346358,"Grant expense":{"value":0,"Grants to domestic orgs":0,"Grants to domestic individuals":0,"Grants and similar":0,"Foreign grants":0},"Total professional fundraising expense":{"value":0,"Fundraising professional":0,"Fees to independent contractors":0},"Benefits paid to members":{"value":271147,"Benefits paid to members Total":271147},"Salaries":{"value":16654,"Current officers":16654,"Disqualified persons":0,"Other salaries and wages":0,"Pension plan contributions":0,"Other employee benefits":0,"Payroll taxes":0},"Other expenses":{"value":58557,"Management services":0,"Legal":20100,"Accounting":4565,"Lobbying services":0,"Investment management fees":0,"Other services":0,"Advertising":0,"Office expenses":1668,"Information technology":0,"Royalties":0,"Occupancy":0,"Travel":0,"Conferences and meetings":0,"Interest":0,"Payments to affiliates":0,"Depreciation and depletion":0,"Insurance":14442,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":17782,"ADMINISTRATIVE EXPENSES":14536,"BANK CHARGES":747,"TAXES":2499},"All other expenses":0},"Functional Expenses":{"value":null,"Program Service Expenses":346358,"Management And General Expenses":0,"Fundraising Expenses":0}},"Assets":{"value":476057,"Non-interest bearing cash":476057,"Savings and temp cash investments":0,"Pledges and grants receivable":0,"Accounts receivable":0,"Receivables from officers":0,"Receivables from disqual persons":0,"Other net note and loans":0,"Inventories for sale or use":0,"Prepaid expenses deferred charges":0,"Land, building, equipment":0,"Investments publicly traded":0,"Investments other":0,"Investments program related":0,"Intangible assets":0,"Other assets":0},"Liabilities":{"value":139600,"Sum of Total Liabilities":0,"Accounts payable, accrued":139600,"Grants payable":0,"Deferred, revenue":0,"Tax exempt bond liabilities":0,"Escrow account liability":0,"Loans from officers, directors":0,"Secured mortgages and notes payable":0,"Unsecured notes loans payable":0,"Other liabilities":0},"Fund balance":{"value":336457,"Net assets without donor restriction":0,"Net assets with donor restriction":0,"Unrestricted net assets":336457,"Temporarily restricted net assets":0,"Permanently restricted net assets":0},"Ratings":{"Program Expense Ratio":{"score":1.0,"percentile":0.9996999186356569},"Fundraising Efficiency":{"score":null,"percentile":null},"Operating Margin":{"score":-0.035861792581205684,"percentile":0.3084538442396578},"Liabilities to Assets Ratio":{"score":0.29324219578747923,"percentile":0.20465768812896057},"Operating Reserve Ratio":{"score":1.3744651487766992,"percentile":0.5138572980921169},"Officer Compensation Ratio":{"score":0.041442669145797126,"percentile":0.7999064246144288},"Program Expense Growth":{"score":0.027104026697439897,"percentile":0.4362541248893531},"Revenue Growth":{"score":-0.06593994837190344,"percentile":0.19030917023134503},"Asset Growth":{"score":0.09311880528217721,"percentile":0.6654769070661403},"Independent Voting Board Pct":{"score":1.0,"percentile":0.9933392423419786},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.6486354058459184,"percentile":0.7382672487287474}},"source_xml":"201623149349300717_public.xml"},{"Organization":{"value":null,"Person":["Alison Genez","Brian D Hugick","Ann Rowe","Monica Manko-Schmidt","Robert Fisher","Laura Vigliante"],"Title":["President","Treasurer","Secretary","Trustee","Trustee","Trustee"],"Hours":[4.0,4.0,2.0,1.0,1.0,1.0],"Total Compensation":[4527,3270,1359,0,0,0],"Direct compensation":[4527,3270,1359,0,0,0],"Other compensation":[0,0,0,0,0,0]},"Basic":{"value":null,"mission":"To provide dental, vision, and flex medical coverage for plan enrollees and their immediate family where applicable.","year":2014,"name":"Somers Faculty Association Trust Fund","phone":2032697741,"website":"www.insuranceprogrammers.com","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"Alison Genez","year_formation":1979,"state_legal_domicile":"NY","total_volunteers":8,"tax_period_begin":"2014-07-01T00:00:00","tax_period_end":"2015-06-30T00:00:00","address":"PO Box 5187, Wallingford, CT, 64926717, USA","city":"Wallingford","state":"CT","country":"USA","zip_code":64926717},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":7,"Number of independent voting members":7,"Number of employees total":0,"Total Gross UBI":0,"Net unrelated business taxable income":null,"Number of employees":0,"Prohibited tax shelter transactions":true,"Taxable party notification":true,"Funds to pay premiums":false,"Premiums Paid":false,"Family or business relationship":true,"Delegation of management duties":true,"Conflict of interest policy":true,"Whistle blower policy":true,"Compensation process for CEO":true,"Compensation process for other employees":true,"Changes to organizing documents":true,"Material diversion or misuse":true,"Members or stockholders":true,"Election of board members":true,"Decisions subject to approval":true,"Minutes of governing body":true,"Local chapters":true,"Form 990 provided to governing body":true,"Document retention policy":true,"Investment in joint venture":true,"Independent audit financial statements":true,"Consolidated audit financial statements":true,"Accountant compile or review":true,"Political activities":true,"Donor advised funds":true,"Conservation easements":true,"Collections of art":true,"School":true,"Hospital":true,"Foreign activities":true,"Foreign office":true,"Gaming":true,"Fundraising activities":true,"Professional fundraising":true,"Loan to officer or DQP":true,"Grant to related person":true,"Business relationship through family member":true,"Business relationship with organization":true},"Revenues":{"value":386782,"Contributions":{"value":0,"Other contributions":0,"Contributions from gifts and grants":0,"Fundraising revenue":0,"Dues":0,"Campaigns":0,"Grant revenue":0,"Related organizations":0},"Program revenue":{"value":386261,"Total revenue":{"value":386261,"CONTRIBUTIONS - BOARD OF EDUCATION":385000,"CONTRIBUTIONS - MEMBER COBRA":1261},"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":521,"Investment income total":521,"Net investment gain":0,"Income from invest bond proceeds":0},"Other revenues":{"value":0,"Other total":0,"Royalties revenue":0,"Net rental income":0,"Net income from fundraising events":0,"Net income from gaming":0,"Net income":0,"Gross profit from sales of inventory":0,"Gain from sale of assets":0}},"Expenses":{"value":367703,"Grant expense":{"value":0,"Grants to domestic orgs":0,"Grants to domestic individuals":0,"Grants and similar":0,"Foreign grants":0},"Total professional fundraising expense":{"value":0,"Fundraising professional":0,"Fees to independent contractors":0},"Benefits paid to members":{"value":319385,"Benefits paid to members Total":319385},"Salaries":{"value":9156,"Current officers":9156,"Disqualified persons":0,"Other salaries and wages":0,"Pension plan contributions":0,"Other employee benefits":0,"Payroll taxes":0},"Other expenses":{"value":39162,"Management services":0,"Legal":0,"Accounting":4474,"Lobbying services":0,"Investment management fees":0,"Other services":0,"Advertising":0,"Office expenses":3160,"Information technology":0,"Royalties":0,"Occupancy":0,"Travel":0,"Conferences and meetings":0,"Interest":0,"Payments to affiliates":0,"Depreciation and depletion":117,"Insurance":13870,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":17541,"ADMINISTRATIVE EXPENSES":15549,"BANK CHARGES":799,"TAXES":1193},"All other expenses":0},"Functional Expenses":{"value":null,"Program Service Expenses":367703,"Management And General Expenses":0,"Fundraising Expenses":0}},"Assets":{"value":505954,"Non-interest bearing cash":505954,"Savings and temp cash investments":0,"Pledges and grants receivable":0,"Accounts receivable":0,"Receivables from officers":0,"Receivables from disqual persons":0,"Other net note and loans":0,"Inventories for sale or use":0,"Prepaid expenses deferred charges":0,"Land, building, equipment":0,"Investments publicly traded":0,"Investments other":0,"Investments program related":0,"Intangible assets":0,"Other assets":0},"Liabilities":{"value":157506,"Sum of Total Liabilities":0,"Accounts payable, accrued":157506,"Grants payable":0,"Deferred, revenue":0,"Tax exempt bond liabilities":0,"Escrow account liability":0,"Loans from officers, directors":0,"Secured mortgages and notes payable":0,"Unsecured notes loans payable":0,"Other liabilities":0},"Fund balance":{"value":348448,"Net assets without donor restriction":0,"Net assets with donor restriction":0,"Unrestricted net assets":0,"Temporarily restricted net assets":0,"Permanently restricted net assets":0},"Ratings":{"Program Expense Ratio":{"score":1.0,"percentile":0.9996999186356569},"Fundraising Efficiency":{"score":null,"percentile":null},"Operating Margin":{"score":0.049327528168322206,"percentile":0.5235021488057401},"Liabilities to Assets Ratio":{"score":0.3113049802946513,"percentile":0.19709807565307022},"Operating Reserve Ratio":{"score":1.3759855100447915,"percentile":0.5141656893869136},"Officer Compensation Ratio":{"score":0.02490053113518247,"percentile":0.8868304366151302},"Program Expense Growth":{"score":null,"percentile":null},"Revenue Growth":{"score":null,"percentile":null},"Asset Growth":{"score":null,"percentile":null},"Independent Voting Board Pct":{"score":1.0,"percentile":0.9933392423419786},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.7878936701887604,"percentile":0.9509619563141464}},"source_xml":"201630269349300708_public.xml"},{"Organization":{"value":null,"Person":["Alison Genez","Brian D Hugick","Ann Rowe","Robert Fisher","Erica Gottesman"],"Title":["Chairperson","Treasurer","Secretary","Trustee","Trustee"],"Hours":[4.0,3.5,2.0,1.25,1.25],"Total Compensation":[5148,3718,1350,0,0],"Direct compensation":[5148,3718,1350,0,0],"Other compensation":[0,0,0,0,0]},"Basic":{"value":null,"mission":"To provide dental, vision, and flex medical coverage for plan enrollees and their immediate family where applicable.","year":2013,"name":"Somers Faculty Association Trust Fund","phone":2032697741,"website":"www.insuranceprogrammers.com","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"Alison Genez","year_formation":1979,"state_legal_domicile":"NY","total_volunteers":8,"tax_period_begin":"2013-07-01T00:00:00","tax_period_end":"2014-06-30T00:00:00","address":"PO Box 5187 Suite, Wallingford, CT, 64926717, USA","city":"Wallingford","state":"CT","country":"USA","zip_code":64926717},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":6,"Number of independent voting members":6,"Number of employees total":0,"Total Gross UBI":0,"Net unrelated business taxable income":0,"Number of employees":0,"Prohibited tax shelter transactions":true,"Taxable party notification":true,"Funds to pay premiums":false,"Premiums Paid":false,"Family or business relationship":true,"Delegation of management duties":true,"Conflict of interest policy":true,"Whistle blower policy":true,"Compensation process for CEO":true,"Compensation process for other employees":true,"Changes to organizing documents":true,"Material diversion or misuse":true,"Members or stockholders":true,"Election of board members":true,"Decisions subject to approval":true,"Minutes of governing body":true,"Local chapters":true,"Form 990 provided to governing body":true,"Document retention policy":true,"Investment in joint venture":true,"Independent audit financial statements":true,"Consolidated audit financial statements":true,"Accountant compile or review":true,"Political activities":true,"Donor advised funds":true,"Conservation easements":true,"Collections of art":true,"School":true,"Hospital":true,"Foreign activities":true,"Foreign office":true,"Gaming":true,"Fundraising activities":true,"Professional fundraising":true,"Loan to officer or DQP":true,"Grant to related person":true,"Business relationship through family member":true,"Business relationship with organization":true},"Revenues":{"value":382901,"Contributions":{"value":0,"Other contributions":0,"Contributions from gifts and grants":0,"Fundraising revenue":0,"Dues":0,"Campaigns":0,"Grant revenue":0,"Related organizations":0},"Program revenue":{"value":382894,"Total revenue":{"value":382894,"CONTRIBUTIONS - BOARD OF EDUCATION":378125,"CONTRIBUTIONS - MEMBER COBRA":4769},"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":7,"Investment income total":7,"Net investment gain":0,"Income from invest bond proceeds":0},"Other revenues":{"value":0,"Other total":0,"Royalties revenue":0,"Net rental income":0,"Net income from fundraising events":0,"Net income from gaming":0,"Net income":0,"Gross profit from sales of inventory":0,"Gain from sale of assets":0}},"Expenses":{"value":327537,"Grant expense":{"value":0,"Grants to domestic orgs":0,"Grants to domestic individuals":0,"Grants and similar":0,"Foreign grants":0},"Total professional fundraising expense":{"value":0,"Fundraising professional":0,"Fees to independent contractors":0},"Benefits paid to members":{"value":296706,"Benefits paid to members Total":296706},"Salaries":{"value":10265,"Current officers":10265,"Disqualified persons":0,"Other salaries and wages":0,"Pension plan contributions":0,"Other employee benefits":0,"Payroll taxes":0},"Other expenses":{"value":20566,"Management services":0,"Legal":0,"Accounting":4886,"Lobbying services":0,"Investment management fees":0,"Other services":0,"Advertising":0,"Office expenses":1091,"Information technology":0,"Royalties":0,"Occupancy":0,"Travel":0,"Conferences and meetings":0,"Interest":0,"Payments to affiliates":0,"Depreciation and depletion":77,"Insurance":0,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":14512,"ADMINISTRATIVE EXPENSES":14171,"BANK CHARGES":24,"NEW MEMBER ORIENTATION":317},"All other expenses":0},"Functional Expenses":{"value":null,"Program Service Expenses":327537,"Management And General Expenses":0,"Fundraising Expenses":0}},"Assets":{"value":390832,"Non-interest bearing cash":328189,"Savings and temp cash investments":62526,"Pledges and grants receivable":0,"Accounts receivable":0,"Receivables from officers":0,"Receivables from disqual persons":0,"Other net note and loans":0,"Inventories for sale or use":0,"Prepaid expenses deferred charges":0,"Land, building, equipment":117,"Investments publicly traded":0,"Investments other":0,"Investments program related":0,"Intangible assets":0,"Other assets":0},"Liabilities":{"value":61463,"Sum of Total Liabilities":0,"Accounts payable, accrued":61463,"Grants payable":0,"Deferred, revenue":0,"Tax exempt bond liabilities":0,"Escrow account liability":0,"Loans from officers, directors":0,"Secured mortgages and notes payable":0,"Unsecured notes loans payable":0,"Other liabilities":0},"Fund balance":{"value":329369,"Net assets without donor restriction":0,"Net assets with donor restriction":0,"Unrestricted net assets":0,"Temporarily restricted net assets":0,"Permanently restricted net assets":0},"Ratings":{"Program Expense Ratio":{"score":1.0,"percentile":0.9996999186356569},"Fundraising Efficiency":{"score":null,"percentile":null},"Operating Margin":{"score":0.1445908994753213,"percentile":0.6914010474294324},"Liabilities to Assets Ratio":{"score":0.1572619437507676,"percentile":0.2783104977934658},"Operating Reserve Ratio":{"score":1.193245343274195,"percentile":0.4738947577319619},"Officer Compensation Ratio":{"score":0.03119036933231971,"percentile":0.8535696616487924},"Program Expense Growth":{"score":null,"percentile":null},"Revenue Growth":{"score":null,"percentile":null},"Asset Growth":{"score":null,"percentile":null},"Independent Voting Board Pct":{"score":1.0,"percentile":0.9933392423419786},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.8260561635760874,"percentile":0.9723119209068586}},"source_xml":"201423179349303437_public.xml"},{"Organization":{"value":null,"Person":["Alison Genez","Brian D Hugick","Monica Manko-Schmidt","Robert Fisher","Laura Vigliante","Kristen Landau"],"Title":["President","Treasurer","Trustee","Trustee","Secretary","Trustee"],"Hours":[0.0,0.0,0.0,0.0,0.0,0.0],"Total Compensation":[7985,4936,569,568,2344,568],"Direct compensation":[7985,4936,569,568,2344,568],"Other compensation":[0,0,0,0,0,0]},"Basic":{"value":null,"mission":"To provide dental, vision, and flex medical coverage for plan enrollees and their immediate family where applicable.","year":2016,"name":"Somers Faculty Association Trust Fund","phone":2032697741,"website":null,"type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"Alison Genez","year_formation":1979,"state_legal_domicile":"NY","total_volunteers":8,"tax_period_begin":"2016-07-01T00:00:00","tax_period_end":"2017-06-30T00:00:00","address":"PO Box 5187, Wallingford, CT, 64926717, USA","city":"Wallingford","state":"CT","country":"USA","zip_code":64926717},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":6,"Number of independent voting members":6,"Number of employees total":0,"Total Gross UBI":0,"Net unrelated business taxable income":null,"Number of employees":0,"Prohibited tax shelter transactions":true,"Taxable party notification":true,"Funds to pay premiums":false,"Premiums Paid":false,"Family or business relationship":true,"Delegation of management duties":true,"Conflict of interest policy":true,"Whistle blower policy":true,"Compensation process for CEO":true,"Compensation process for other employees":true,"Changes to organizing documents":true,"Material diversion or misuse":true,"Members or stockholders":true,"Election of board members":true,"Decisions subject to approval":true,"Minutes of governing body":true,"Local chapters":true,"Form 990 provided to governing body":true,"Document retention policy":true,"Investment in joint venture":true,"Independent audit financial statements":true,"Consolidated audit financial statements":true,"Accountant compile or review":true,"Political activities":true,"Donor advised funds":true,"Conservation easements":true,"Collections of art":true,"School":true,"Hospital":true,"Foreign activities":true,"Foreign office":true,"Gaming":true,"Fundraising activities":true,"Professional fundraising":true,"Loan to officer or DQP":true,"Grant to related person":true,"Business relationship through family member":true,"Business relationship with organization":true},"Revenues":{"value":420337,"Contributions":{"value":0,"Other contributions":0,"Contributions from gifts and grants":0,"Fundraising revenue":0,"Dues":0,"Campaigns":0,"Grant revenue":0,"Related organizations":0},"Program revenue":{"value":417721,"Total revenue":{"value":417721,"CONTRIBUTIONS - BOARD OF EDUCATION":412368,"CONTRIBUTIONS - MEMBER COBRA":5353},"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":2616,"Investment income total":2616,"Net investment gain":0,"Income from invest bond proceeds":0},"Other revenues":{"value":0,"Other total":0,"Royalties revenue":0,"Net rental income":0,"Net income from fundraising events":0,"Net income from gaming":0,"Net income":0,"Gross profit from sales of inventory":0,"Gain from sale of assets":0}},"Expenses":{"value":405325,"Grant expense":{"value":0,"Grants to domestic orgs":0,"Grants to domestic individuals":0,"Grants and similar":0,"Foreign grants":0},"Total professional fundraising expense":{"value":0,"Fundraising professional":0,"Fees to independent contractors":0},"Benefits paid to members":{"value":323317,"Benefits paid to members Total":323317},"Salaries":{"value":16970,"Current officers":16970,"Disqualified persons":0,"Other salaries and wages":0,"Pension plan contributions":0,"Other employee benefits":0,"Payroll taxes":0},"Other expenses":{"value":65038,"Management services":0,"Legal":20100,"Accounting":4565,"Lobbying services":0,"Investment management fees":0,"Other services":0,"Advertising":0,"Office expenses":867,"Information technology":0,"Royalties":0,"Occupancy":0,"Travel":0,"Conferences and meetings":0,"Interest":0,"Payments to affiliates":0,"Depreciation and depletion":0,"Insurance":16866,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":22640,"ADMINISTRATIVE EXPENSES":19314,"BANK CHARGES":378,"TAXES":2548,"FIDUCIARY BOND":400},"All other expenses":0},"Functional Expenses":{"value":null,"Program Service Expenses":405325,"Management And General Expenses":0,"Fundraising Expenses":0}},"Assets":{"value":480337,"Non-interest bearing cash":480337,"Savings and temp cash investments":0,"Pledges and grants receivable":0,"Accounts receivable":0,"Receivables from officers":0,"Receivables from disqual persons":0,"Other net note and loans":0,"Inventories for sale or use":0,"Prepaid expenses deferred charges":0,"Land, building, equipment":0,"Investments publicly traded":0,"Investments other":0,"Investments program related":0,"Intangible assets":0,"Other assets":0},"Liabilities":{"value":128868,"Sum of Total Liabilities":0,"Accounts payable, accrued":128868,"Grants payable":0,"Deferred, revenue":0,"Tax exempt bond liabilities":0,"Escrow account liability":0,"Loans from officers, directors":0,"Secured mortgages and notes payable":0,"Unsecured notes loans payable":0,"Other liabilities":0},"Fund balance":{"value":351469,"Net assets without donor restriction":0,"Net assets with donor restriction":0,"Unrestricted net assets":351469,"Temporarily restricted net assets":0,"Permanently restricted net assets":0},"Ratings":{"Program Expense Ratio":{"score":1.0,"percentile":0.9996999186356569},"Fundraising Efficiency":{"score":null,"percentile":null},"Operating Margin":{"score":0.03571420074844708,"percentile":0.4918597691024826},"Liabilities to Assets Ratio":{"score":0.26828664042120426,"percentile":0.2157880678363838},"Operating Reserve Ratio":{"score":1.1850663048171222,"percentile":0.47194174759243607},"Officer Compensation Ratio":{"score":0.04186763708135447,"percentile":0.7976930444087487},"Program Expense Growth":{"score":0.058612379511556595,"percentile":0.5624746679737207},"Revenue Growth":{"score":0.01571595664355574,"percentile":0.4429770446751558},"Asset Growth":{"score":0.051504548937502025,"percentile":0.5325273695640411},"Independent Voting Board Pct":{"score":1.0,"percentile":0.9933392423419786},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.7064675931441001,"percentile":0.8592755794906111}},"source_xml":"201723109349300022_public.xml"},{"Organization":{"value":null,"Person":["Alison Genez","Brian D Hugick","Monica Manko-Schmidt","Laura Vegliante","Michele Rabasco","Cathy Jelinek"],"Title":["President","Treasurer","Trustee","Secretary","Trustee","Trustee"],"Hours":[0.0,0.0,0.0,0.0,0.0,0.0],"Total Compensation":[8291,5125,590,2434,690,590],"Direct compensation":[8291,5125,590,2434,690,590],"Other compensation":[0,0,0,0,0,0]},"Basic":{"value":null,"mission":"To provide dental, vision, and flex medical coverage for plan enrollees and their immediate family where applicable.","year":2018,"name":"Somers Faculty Association Trust Fund","phone":2032697741,"website":null,"type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"Alison Genez","year_formation":1979,"state_legal_domicile":"NY","total_volunteers":null,"tax_period_begin":"2018-07-01T00:00:00","tax_period_end":"2019-06-30T00:00:00","address":"PO Box 5817, Wallingford, CT, 64926717, USA","city":"Wallingford","state":"CT","country":"USA","zip_code":64926717},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":6,"Number of independent voting members":6,"Number of employees total":0,"Total Gross UBI":0,"Net unrelated business taxable income":null,"Number of employees":0,"Prohibited tax shelter transactions":true,"Taxable party notification":true,"Funds to pay premiums":false,"Premiums Paid":false,"Family or business relationship":true,"Delegation of management duties":true,"Conflict of interest policy":true,"Whistle blower policy":true,"Compensation process for CEO":true,"Compensation process for other employees":true,"Changes to organizing documents":true,"Material diversion or misuse":true,"Members or stockholders":true,"Election of board members":true,"Decisions subject to approval":true,"Minutes of governing body":true,"Local chapters":true,"Form 990 provided to governing body":true,"Document retention policy":true,"Investment in joint venture":true,"Independent audit financial statements":true,"Consolidated audit financial statements":true,"Accountant compile or review":true,"Political activities":true,"Donor advised funds":true,"Conservation easements":true,"Collections of art":true,"School":true,"Hospital":true,"Foreign activities":true,"Foreign office":true,"Gaming":true,"Fundraising activities":true,"Professional fundraising":true,"Loan to officer or DQP":true,"Grant to related person":true,"Business relationship through family member":true,"Business relationship with organization":true},"Revenues":{"value":440450,"Contributions":{"value":0,"Other contributions":0,"Contributions from gifts and grants":0,"Fundraising revenue":0,"Dues":0,"Campaigns":0,"Grant revenue":0,"Related organizations":0},"Program revenue":{"value":436883,"Total revenue":{"value":436883,"CONTRIBUTIONS - BOARD OF EDUCATION":429780,"CONTRIBUTIONS - MEMBER COBRA":7103},"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":3567,"Investment income total":3567,"Net investment gain":0,"Income from invest bond proceeds":0},"Other revenues":{"value":0,"Other total":0,"Royalties revenue":0,"Net rental income":0,"Net income from fundraising events":0,"Net income from gaming":0,"Net income":0,"Gross profit from sales of inventory":0,"Gain from sale of assets":0}},"Expenses":{"value":408672,"Grant expense":{"value":0,"Grants to domestic orgs":0,"Grants to domestic individuals":0,"Grants and similar":0,"Foreign grants":0},"Total professional fundraising expense":{"value":0,"Fundraising professional":0,"Fees to independent contractors":0},"Benefits paid to members":{"value":322120,"Benefits paid to members Total":322120},"Salaries":{"value":17721,"Current officers":17721,"Disqualified persons":0,"Other salaries and wages":0,"Pension plan contributions":0,"Other employee benefits":0,"Payroll taxes":0},"Other expenses":{"value":68831,"Management services":0,"Legal":20100,"Accounting":4700,"Lobbying services":0,"Investment management fees":0,"Other services":0,"Advertising":0,"Office expenses":851,"Information technology":0,"Royalties":0,"Occupancy":0,"Travel":0,"Conferences and meetings":0,"Interest":0,"Payments to affiliates":0,"Depreciation and depletion":0,"Insurance":13815,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":22598,"ADMINISTRATIVE EXPENSES":19296,"BANK CHARGES":256,"TAXES":2646,"FIDUCIARY BOND":400},"All other expenses":6767},"Functional Expenses":{"value":null,"Program Service Expenses":341416,"Management And General Expenses":67256,"Fundraising Expenses":0}},"Assets":{"value":525834,"Non-interest bearing cash":525834,"Savings and temp cash investments":0,"Pledges and grants receivable":0,"Accounts receivable":0,"Receivables from officers":0,"Receivables from disqual persons":0,"Other net note and loans":0,"Inventories for sale or use":0,"Prepaid expenses deferred charges":0,"Land, building, equipment":0,"Investments publicly traded":0,"Investments other":0,"Investments program related":0,"Intangible assets":0,"Other assets":0},"Liabilities":{"value":72438,"Sum of Total Liabilities":0,"Accounts payable, accrued":72438,"Grants payable":0,"Deferred, revenue":0,"Tax exempt bond liabilities":0,"Escrow account liability":0,"Loans from officers, directors":0,"Secured mortgages and notes payable":0,"Unsecured notes loans payable":0,"Other liabilities":0},"Fund balance":{"value":453396,"Net assets without donor restriction":0,"Net assets with donor restriction":0,"Unrestricted net assets":453396,"Temporarily restricted net assets":0,"Permanently restricted net assets":0},"Ratings":{"Program Expense Ratio":{"score":0.835427922637225,"percentile":0.6721216356649723},"Fundraising Efficiency":{"score":null,"percentile":null},"Operating Margin":{"score":0.07214893858553752,"percentile":0.5716434680157394},"Liabilities to Assets Ratio":{"score":0.13775830395143715,"percentile":0.2928016839469514},"Operating Reserve Ratio":{"score":1.2866895701198027,"percentile":0.49520366658252934},"Officer Compensation Ratio":{"score":0.04335995615065383,"percentile":0.7900761252366857},"Program Expense Growth":{"score":0.007747526323088981,"percentile":0.35378761457787955},"Revenue Growth":{"score":0.03551005257032786,"percentile":0.5412778976502659},"Asset Growth":{"score":0.04345046766525906,"percentile":0.5011173796766706},"Independent Voting Board Pct":{"score":1.0,"percentile":0.9933392423419786},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.6177240134716595,"percentile":0.656412718785741}},"source_xml":"202000419349300640_public.xml"}],"Latest":{"Organization":{"value":null,"Person":["Alison Genez","Monica Manko-Schmidt","Catherine Jelinek","Laura Vegliante","Elizabeth Stewart","Joan Cass"],"Title":["President","Treasurer","Secretary","Secretary","Trustee","Trustee"],"Hours":[1.0,1.0,1.0,1.0,1.0,1.0],"Total Compensation":[9967,6162,3539,2926,599,599],"Direct compensation":[9967,6162,3539,2926,599,599],"Other compensation":[0,0,0,0,0,0]},"Basic":{"value":null,"mission":"To provide dental, vision, and flex medical coverage for plan enrollees and their immediate family where applicable.","year":2024,"name":"Somers Faculty Association Trust Fund","phone":2032697741,"website":null,"type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"Alison Genez","year_formation":1979,"state_legal_domicile":"NY","total_volunteers":null,"tax_period_begin":"2024-07-01T00:00:00","tax_period_end":"2025-06-30T00:00:00","address":"PO Box 15136, Albany, NY, 12212, USA","city":"Albany","state":"NY","country":"USA","zip_code":12212},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":6,"Number of independent voting members":6,"Number of employees total":0,"Total Gross UBI":0,"Net unrelated business taxable income":null,"Number of employees":0,"Prohibited tax shelter transactions":true,"Taxable party notification":true,"Funds to pay premiums":false,"Premiums Paid":false,"Family or business relationship":true,"Delegation of management duties":true,"Conflict of interest policy":true,"Whistle blower policy":true,"Compensation process for CEO":true,"Compensation process for other employees":true,"Changes to organizing documents":true,"Material diversion or misuse":true,"Members or stockholders":true,"Election of board members":true,"Decisions subject to approval":true,"Minutes of governing body":true,"Local chapters":true,"Form 990 provided to governing body":true,"Document retention policy":true,"Investment in joint venture":true,"Independent audit financial statements":true,"Consolidated audit financial statements":true,"Accountant compile or review":true,"Political activities":true,"Donor advised funds":true,"Conservation easements":true,"Collections of art":true,"School":true,"Hospital":true,"Foreign activities":true,"Foreign office":true,"Gaming":true,"Fundraising activities":true,"Professional fundraising":true,"Loan to officer or DQP":true,"Grant to related person":true,"Business relationship through family member":true,"Business relationship with organization":true},"Revenues":{"value":482116,"Contributions":{"value":0,"Other contributions":0,"Contributions from gifts and grants":0,"Fundraising revenue":0,"Dues":0,"Campaigns":0,"Grant revenue":0,"Related organizations":0},"Program revenue":{"value":475907,"Total revenue":{"value":475907,"CONTRIBUTIONS - BOARD OF EDUCATION":460447,"CONTRIBUTIONS - MEMBERS":15460},"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":6209,"Investment income total":6209,"Net investment gain":0,"Income from invest bond proceeds":0},"Other revenues":{"value":0,"Other total":0,"Royalties revenue":0,"Net rental income":0,"Net income from fundraising events":0,"Net income from gaming":0,"Net income":0,"Gross profit from sales of inventory":0,"Gain from sale of assets":0}},"Expenses":{"value":478150,"Grant expense":{"value":0,"Grants to domestic orgs":0,"Grants to domestic individuals":0,"Grants and similar":0,"Foreign grants":0},"Total professional fundraising expense":{"value":0,"Fundraising professional":0,"Fees to independent contractors":0},"Benefits paid to members":{"value":400227,"Benefits paid to members Total":400227},"Salaries":{"value":23792,"Current officers":23792,"Disqualified persons":0,"Other salaries and wages":0,"Pension plan contributions":0,"Other employee benefits":0,"Payroll taxes":0},"Other expenses":{"value":54131,"Management services":0,"Legal":10050,"Accounting":5900,"Lobbying services":0,"Investment management fees":0,"Other services":0,"Advertising":0,"Office expenses":2567,"Information technology":0,"Royalties":0,"Occupancy":0,"Travel":0,"Conferences and meetings":0,"Interest":0,"Payments to affiliates":0,"Depreciation and depletion":117,"Insurance":11664,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":23833,"ADMINISTRATIVE EXPENSES":18988,"FINANCIAL COUNSELING":4185,"FIDUCIARY BOND":600,"BANK CHARGES":60},"All other expenses":0},"Functional Expenses":{"value":null,"Program Service Expenses":419215,"Management And General Expenses":58935,"Fundraising Expenses":0}},"Assets":{"value":259078,"Non-interest bearing cash":258145,"Savings and temp cash investments":0,"Pledges and grants receivable":0,"Accounts receivable":0,"Receivables from officers":0,"Receivables from disqual persons":0,"Other net note and loans":0,"Inventories for sale or use":0,"Prepaid expenses deferred charges":0,"Land, building, equipment":933,"Investments publicly traded":0,"Investments other":0,"Investments program related":0,"Intangible assets":0,"Other assets":0},"Liabilities":{"value":70107,"Sum of Total Liabilities":0,"Accounts payable, accrued":70107,"Grants payable":0,"Deferred, revenue":0,"Tax exempt bond liabilities":0,"Escrow account liability":0,"Loans from officers, directors":0,"Secured mortgages and notes payable":0,"Unsecured notes loans payable":0,"Other liabilities":0},"Fund balance":{"value":188971,"Net assets without donor restriction":188971,"Net assets with donor restriction":0,"Unrestricted net assets":0,"Temporarily restricted net assets":0,"Permanently restricted net assets":0},"Ratings":{"Program Expense Ratio":{"score":0.876743699675834,"percentile":0.7342384780839906},"Fundraising Efficiency":{"score":null,"percentile":null},"Operating Margin":{"score":0.008226236009591053,"percentile":0.41999629484626977},"Liabilities to Assets Ratio":{"score":0.2706019036737971,"percentile":0.21470733310063533},"Operating Reserve Ratio":{"score":0.5418341524626163,"percentile":0.2682887051789326},"Officer Compensation Ratio":{"score":0.04975844400292795,"percentile":0.7579684373545515},"Program Expense Growth":{"score":0.032859855977492136,"percentile":0.4612716698614654},"Revenue Growth":{"score":0.02724433333429586,"percentile":0.5010878113336754},"Asset Growth":{"score":-0.0304733678480883,"percentile":0.2117192675731119},"Independent Voting Board Pct":{"score":1.0,"percentile":0.9933392423419786},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.5832679886278653,"percentile":0.5561503988794458}},"source_xml":"202610229349301016_public.xml"},"sector":"","donation_categories":[],"zakat_policy":null},"error":null}