{"success":true,"data":{"_id":456271549,"filings":[{"Organization":{"value":null,"Person":["COMERICA"],"Title":["VP & TRUST OFFICER"],"Hours":[0.0],"Total Compensation":[0],"Direct compensation":[0],"Other compensation":[0]},"Basic":{"value":null,"mission":"Voluntary employee beneficiary assoc. for the payment of health and welfare benefits to current and eligible former occupations employees and their dependents.","year":2021,"name":"OCCUPATIONS EMPLOYEE BENEFITS TRUST","phone":5126527574,"website":null,"type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"SHERRITA WADE","year_formation":null,"state_legal_domicile":null,"total_volunteers":null,"tax_period_begin":"2021-01-01T00:00:00","tax_period_end":"2021-12-31T00:00:00","address":"15 FORTUNE RD W, MIDDLETOWN, NY, 10941, USA","city":"MIDDLETOWN","state":"NY","country":"USA","zip_code":10941},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":1,"Number of independent voting members":1,"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":false,"Compensation process for other employees":false,"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":246538,"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":246334,"Total revenue":246334,"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":204,"Investment income total":204,"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":163544,"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":87582,"Benefits paid to members Total":87582},"Salaries":{"value":0,"Current officers":0,"Disqualified persons":0,"Other salaries and wages":0,"Pension plan contributions":0,"Other employee benefits":0,"Payroll taxes":0},"Other expenses":{"value":75962,"Management services":0,"Legal":0,"Accounting":0,"Lobbying services":0,"Investment management fees":0,"Other services":0,"Advertising":0,"Office expenses":0,"Information technology":0,"Royalties":0,"Occupancy":0,"Travel":0,"Conferences and meetings":0,"Interest":0,"Payments to affiliates":0,"Depreciation and depletion":0,"Insurance":0,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":75962,"All other expenses":0},"Functional Expenses":{"value":null,"Program Service Expenses":163544,"Management And General Expenses":0,"Fundraising Expenses":0}},"Assets":{"value":1121181,"Non-interest bearing cash":1118522,"Savings and temp cash investments":0,"Pledges and grants receivable":0,"Accounts receivable":2659,"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":190690,"Sum of Total Liabilities":0,"Accounts payable, accrued":190690,"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":930491,"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":0.336637759696274,"percentile":0.8559549137002849},"Liabilities to Assets Ratio":{"score":0.17007958572255505,"percentile":0.26967076510119903},"Operating Reserve Ratio":{"score":6.855531233184953,"percentile":0.8504944870509001},"Officer Compensation Ratio":{"score":null,"percentile":null},"Program Expense Growth":{"score":-0.23965662729542017,"percentile":0.076579625895779},"Revenue Growth":{"score":-0.15952897280252315,"percentile":0.09571227915162195},"Asset Growth":{"score":0.13587578317004684,"percentile":0.758452260230171},"Independent Voting Board Pct":{"score":1.0,"percentile":0.9933392423419786},"Governance Policy Score":{"score":5.0,"percentile":0.3603717955204631},"Overall Score":{"score":0.676607498817341,"percentile":0.803591444895321}},"source_xml":"202212279349303376_public.xml"},{"Organization":{"value":null,"Person":["COMERICA"],"Title":["VP & TRUST OFFICER"],"Hours":[10.0],"Total Compensation":[3000],"Direct compensation":[3000],"Other compensation":[0]},"Basic":{"value":null,"mission":"Voluntary employee beneficiary assoc. for the payment of health and welfare benefits to current and eligible former occupations employees and their dependents.","year":2019,"name":"OCCUPATIONS EMPLOYEE BENEFITS TRUST","phone":5126527574,"website":null,"type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"SHERRITA WADE","year_formation":null,"state_legal_domicile":null,"total_volunteers":null,"tax_period_begin":"2019-01-01T00:00:00","tax_period_end":"2019-12-31T00:00:00","address":"15 FORTUNE RD W, MIDDLETOWN, NY, 10941, USA","city":"MIDDLETOWN","state":"NY","country":"USA","zip_code":10941},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":1,"Number of independent voting members":1,"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":false,"Compensation process for other employees":false,"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":255527,"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":244229,"Total revenue":244229,"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":11298,"Investment income total":11298,"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":182453,"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":101893,"Benefits paid to members Total":101893},"Salaries":{"value":0,"Current officers":0,"Disqualified persons":0,"Other salaries and wages":0,"Pension plan contributions":0,"Other employee benefits":0,"Payroll taxes":0},"Other expenses":{"value":80560,"Management services":0,"Legal":0,"Accounting":0,"Lobbying services":0,"Investment management fees":0,"Other services":0,"Advertising":0,"Office expenses":0,"Information technology":0,"Royalties":0,"Occupancy":0,"Travel":0,"Conferences and meetings":0,"Interest":0,"Payments to affiliates":0,"Depreciation and depletion":0,"Insurance":0,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":80560,"All other expenses":0},"Functional Expenses":{"value":null,"Program Service Expenses":182453,"Management And General Expenses":0,"Fundraising Expenses":0}},"Assets":{"value":731554,"Non-interest bearing cash":731547,"Savings and temp cash investments":0,"Pledges and grants receivable":0,"Accounts receivable":7,"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":18801,"Sum of Total Liabilities":0,"Accounts payable, accrued":18801,"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":712753,"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":0.2859736935822829,"percentile":0.8264689823809546},"Liabilities to Assets Ratio":{"score":0.02570008502448213,"percentile":0.44038219827508507},"Operating Reserve Ratio":{"score":4.009547664329991,"percentile":0.7691877082424343},"Officer Compensation Ratio":{"score":0.01644259069458984,"percentile":0.930461181110861},"Program Expense Growth":{"score":-0.31385754808251304,"percentile":0.059601491344051974},"Revenue Growth":{"score":-0.22881062598948956,"percentile":0.06522220551753138},"Asset Growth":{"score":0.1011378942147954,"percentile":0.6859087923243824},"Independent Voting Board Pct":{"score":1.0,"percentile":0.9933392423419786},"Governance Policy Score":{"score":5.0,"percentile":0.3603717955204631},"Overall Score":{"score":0.6821362036994054,"percentile":0.8156329225181351}},"source_xml":"202013089349300931_public.xml"},{"Organization":{"value":null,"Person":["COMERICA BANK"],"Title":["VP & TRUST OFFICER"],"Hours":[10.0],"Total Compensation":[3000],"Direct compensation":[3000],"Other compensation":[0]},"Basic":{"value":null,"mission":"Voluntary employee beneficiary assoc. for the payment of health and welfare benefits to current and eligible former occupations employees and their dependents.","year":2014,"name":"OCCUPATIONS EMPLOYEE BENEFITS TRUST","phone":5126527574,"website":null,"type":"990","affiliation":null,"foreign_countries":null,"principal_officer":null,"year_formation":null,"state_legal_domicile":null,"total_volunteers":null,"tax_period_begin":"2014-01-01T00:00:00","tax_period_end":"2014-12-31T00:00:00","address":"15 FORTUNE RD W, MIDDLETOWN, NY, 10941, USA","city":"MIDDLETOWN","state":"NY","country":"USA","zip_code":10941},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":1,"Number of independent voting members":1,"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":false,"Compensation process for other employees":false,"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":789048,"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":789005,"Total revenue":789005,"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":43,"Investment income total":43,"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":843380,"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":766061,"Benefits paid to members Total":766061},"Salaries":{"value":0,"Current officers":0,"Disqualified persons":0,"Other salaries and wages":0,"Pension plan contributions":0,"Other employee benefits":0,"Payroll taxes":0},"Other expenses":{"value":77319,"Management services":0,"Legal":0,"Accounting":0,"Lobbying services":0,"Investment management fees":0,"Other services":0,"Advertising":0,"Office expenses":0,"Information technology":0,"Royalties":0,"Occupancy":0,"Travel":0,"Conferences and meetings":0,"Interest":0,"Payments to affiliates":0,"Depreciation and depletion":0,"Insurance":0,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":77319,"ADMINISTRATION FEES":75060,"BANK CHARGES":2259},"All other expenses":0},"Functional Expenses":{"value":null,"Program Service Expenses":843380,"Management And General Expenses":0,"Fundraising Expenses":0}},"Assets":{"value":426169,"Non-interest bearing cash":426169,"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":34438,"Sum of Total Liabilities":0,"Accounts payable, accrued":34438,"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":391731,"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":-0.06885766138435177,"percentile":0.25871694480115776},"Liabilities to Assets Ratio":{"score":0.08080831782696536,"percentile":0.34589697705630473},"Operating Reserve Ratio":{"score":0.5053107733168916,"percentile":0.2533129328921546},"Officer Compensation Ratio":{"score":0.0035571154165382154,"percentile":0.9866806476237175},"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":5.0,"percentile":0.3603717955204631},"Overall Score":{"score":0.6799692328323259,"percentile":0.8110306750502911}},"source_xml":"201523139349301587_public.xml"},{"Organization":{"value":null,"Person":["COMERICA"],"Title":["VP & TRUST OFFICER"],"Hours":[10.0],"Total Compensation":[3000],"Direct compensation":[3000],"Other compensation":[0]},"Basic":{"value":null,"mission":"Voluntary employee beneficiary assoc. for the payment of health and welfare benefits to current and eligible former occupations employees and their dependents.","year":2024,"name":"OCCUPATIONS EMPLOYEE BENEFITS TRUST","phone":5126527574,"website":null,"type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"GEORGE BRADEN - COMERICA BANK","year_formation":null,"state_legal_domicile":null,"total_volunteers":null,"tax_period_begin":"2024-01-01T00:00:00","tax_period_end":"2024-12-31T00:00:00","address":"15 FORTUNE RD W, MIDDLETOWN, NY, 10941, USA","city":"MIDDLETOWN","state":"NY","country":"USA","zip_code":10941},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":1,"Number of independent voting members":1,"Number of employees total":182,"Total Gross UBI":0,"Net unrelated business taxable income":null,"Number of employees":182,"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":false,"Compensation process for other employees":false,"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":361646,"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":302495,"Total revenue":302495,"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":59151,"Investment income total":59151,"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":529284,"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":455043,"Benefits paid to members Total":455043},"Salaries":{"value":0,"Current officers":0,"Disqualified persons":0,"Other salaries and wages":0,"Pension plan contributions":0,"Other employee benefits":0,"Payroll taxes":0},"Other expenses":{"value":74241,"Management services":0,"Legal":0,"Accounting":0,"Lobbying services":0,"Investment management fees":0,"Other services":0,"Advertising":0,"Office expenses":0,"Information technology":0,"Royalties":0,"Occupancy":0,"Travel":0,"Conferences and meetings":0,"Interest":0,"Payments to affiliates":0,"Depreciation and depletion":0,"Insurance":0,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":74241,"TRUST FEES":71241,"BANK FEES":3000},"All other expenses":0},"Functional Expenses":{"value":null,"Program Service Expenses":529284,"Management And General Expenses":0,"Fundraising Expenses":0}},"Assets":{"value":1101253,"Non-interest bearing cash":1169267,"Savings and temp cash investments":0,"Pledges and grants receivable":0,"Accounts receivable":-68752,"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":738},"Liabilities":{"value":68798,"Sum of Total Liabilities":0,"Accounts payable, accrued":68798,"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":1032455,"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":-0.4635416954701559,"percentile":0.07941583299009371},"Liabilities to Assets Ratio":{"score":0.06247247453582419,"percentile":0.3692821020823194},"Operating Reserve Ratio":{"score":2.080646684955525,"percentile":0.62634393228002},"Officer Compensation Ratio":{"score":0.005668034552338631,"percentile":0.9785870605168038},"Program Expense Growth":{"score":-0.11861871310633954,"percentile":0.12730794575154605},"Revenue Growth":{"score":-0.09141606288111813,"percentile":0.1538734398495346},"Asset Growth":{"score":0.11432253546692565,"percentile":0.7160759408852743},"Independent Voting Board Pct":{"score":1.0,"percentile":0.9933392423419786},"Governance Policy Score":{"score":5.0,"percentile":0.3603717955204631},"Overall Score":{"score":0.5654942365541424,"percentile":0.5033812409969396}},"source_xml":"202542549349300419_public.xml"},{"Organization":{"value":null,"Person":["COMERICA"],"Title":["VP & TRUST OFFICER"],"Hours":[10.0],"Total Compensation":[3000],"Direct compensation":[3000],"Other compensation":[0]},"Basic":{"value":null,"mission":"Voluntary employee beneficiary assoc. for the payment of health and welfare benefits to current and eligible former occupations employees and their dependents.","year":2017,"name":"OCCUPATIONS EMPLOYEE BENEFITS TRUST","phone":5126527574,"website":null,"type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"SHERRITA WADE","year_formation":null,"state_legal_domicile":null,"total_volunteers":null,"tax_period_begin":"2017-01-01T00:00:00","tax_period_end":"2017-12-31T00:00:00","address":"15 FORTUNE RD W, MIDDLETOWN, NY, 10941, USA","city":"MIDDLETOWN","state":"NY","country":"USA","zip_code":10941},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":1,"Number of independent voting members":1,"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":false,"Compensation process for other employees":false,"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":287597,"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":285874,"Total revenue":285874,"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":1723,"Investment income total":1723,"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":194964,"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":116556,"Benefits paid to members Total":116556},"Salaries":{"value":0,"Current officers":0,"Disqualified persons":0,"Other salaries and wages":0,"Pension plan contributions":0,"Other employee benefits":0,"Payroll taxes":0},"Other expenses":{"value":78408,"Management services":0,"Legal":0,"Accounting":0,"Lobbying services":0,"Investment management fees":0,"Other services":0,"Advertising":0,"Office expenses":0,"Information technology":0,"Royalties":0,"Occupancy":0,"Travel":0,"Conferences and meetings":0,"Interest":0,"Payments to affiliates":0,"Depreciation and depletion":0,"Insurance":0,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":78408,"All other expenses":0},"Functional Expenses":{"value":null,"Program Service Expenses":194964,"Management And General Expenses":0,"Fundraising Expenses":0}},"Assets":{"value":591463,"Non-interest bearing cash":591463,"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":61171,"Sum of Total Liabilities":0,"Accounts payable, accrued":61171,"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":530292,"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":0.3220930677301919,"percentile":0.8481903951735991},"Liabilities to Assets Ratio":{"score":0.10342320652348498,"percentile":0.32222159404686407},"Operating Reserve Ratio":{"score":3.033703658111241,"percentile":0.7147536133415814},"Officer Compensation Ratio":{"score":0.015387456145749984,"percentile":0.935703551615665},"Program Expense Growth":{"score":-0.4002662377861063,"percentile":0.04500595972068576},"Revenue Growth":{"score":-0.3211486650231728,"percentile":0.04280217735846204},"Asset Growth":{"score":0.06585086913769216,"percentile":0.5840215967861632},"Independent Voting Board Pct":{"score":1.0,"percentile":0.9933392423419786},"Governance Policy Score":{"score":5.0,"percentile":0.3603717955204631},"Overall Score":{"score":0.6671840706946389,"percentile":0.7827670400447325}},"source_xml":"201842139349300114_public.xml"},{"Organization":{"value":null,"Person":["COMERICA"],"Title":["VP & TRUST OFFICER"],"Hours":[10.0],"Total Compensation":[3000],"Direct compensation":[3000],"Other compensation":[0]},"Basic":{"value":null,"mission":"Voluntary employee beneficiary assoc. for the payment of health and welfare benefits to current and eligible former occupations employees and their dependents.","year":2023,"name":"OCCUPATIONS EMPLOYEE BENEFITS TRUST","phone":5126527574,"website":null,"type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"GEORGE BRADEN - COMERICA BANK","year_formation":null,"state_legal_domicile":null,"total_volunteers":null,"tax_period_begin":"2023-01-01T00:00:00","tax_period_end":"2023-12-31T00:00:00","address":"15 FORTUNE RD W, MIDDLETOWN, NY, 10941, USA","city":"MIDDLETOWN","state":"NY","country":"USA","zip_code":10941},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":1,"Number of independent voting members":1,"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":false,"Compensation process for other employees":false,"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":300073,"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":246957,"Total revenue":246957,"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":53116,"Investment income total":53116,"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":144499,"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":74769,"Benefits paid to members Total":74769},"Salaries":{"value":0,"Current officers":0,"Disqualified persons":0,"Other salaries and wages":0,"Pension plan contributions":0,"Other employee benefits":0,"Payroll taxes":0},"Other expenses":{"value":69730,"Management services":0,"Legal":0,"Accounting":0,"Lobbying services":0,"Investment management fees":0,"Other services":0,"Advertising":0,"Office expenses":0,"Information technology":0,"Royalties":0,"Occupancy":0,"Travel":0,"Conferences and meetings":0,"Interest":0,"Payments to affiliates":0,"Depreciation and depletion":0,"Insurance":0,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":69730,"TRUST FEES":66730,"BANK FEES":3000},"All other expenses":0},"Functional Expenses":{"value":null,"Program Service Expenses":144499,"Management And General Expenses":0,"Fundraising Expenses":0}},"Assets":{"value":1370583,"Non-interest bearing cash":1369845,"Savings and temp cash investments":0,"Pledges and grants receivable":0,"Accounts receivable":738,"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":170489,"Sum of Total Liabilities":0,"Accounts payable, accrued":170489,"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":1200094,"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":0.518453842898228,"percentile":0.923382597475808},"Liabilities to Assets Ratio":{"score":0.12439159102367386,"percentile":0.3034906339054099},"Operating Reserve Ratio":{"score":9.485069100824226,"percentile":0.886966304714446},"Officer Compensation Ratio":{"score":0.020761389352175447,"percentile":0.9083474030144363},"Program Expense Growth":{"score":-0.19974676337586425,"percentile":0.0887150053855995},"Revenue Growth":{"score":-0.11686328777985178,"percentile":0.1270262953297884},"Asset Growth":{"score":0.13156867223984056,"percentile":0.7506369106211207},"Independent Voting Board Pct":{"score":1.0,"percentile":0.9933392423419786},"Governance Policy Score":{"score":5.0,"percentile":0.3603717955204631},"Overall Score":{"score":0.7083226364421785,"percentile":0.862184956632322}},"source_xml":"202422219349301487_public.xml"},{"Organization":{"value":null,"Person":["COMERICA BANK"],"Title":["VP & TRUST OFFICER"],"Hours":[10.0],"Total Compensation":[0],"Direct compensation":[0],"Other compensation":[0]},"Basic":{"value":null,"mission":"Voluntary employee beneficiary assoc. for the payment of health and welfare benefits to current and eligible former occupations employees and their dependents.","year":2015,"name":"OCCUPATIONS EMPLOYEE BENEFITS TRUST","phone":5126527574,"website":null,"type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"CLIFF LANGWITH","year_formation":null,"state_legal_domicile":null,"total_volunteers":null,"tax_period_begin":"2015-01-01T00:00:00","tax_period_end":"2015-12-31T00:00:00","address":"15 FORTUNE RD W, MIDDLETOWN, NY, 10941, USA","city":"MIDDLETOWN","state":"NY","country":"USA","zip_code":10941},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":1,"Number of independent voting members":1,"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":false,"Compensation process for other employees":false,"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":279047,"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":279010,"Total revenue":279010,"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":37,"Investment income total":37,"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":302724,"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":224090,"Benefits paid to members Total":224090},"Salaries":{"value":0,"Current officers":0,"Disqualified persons":0,"Other salaries and wages":0,"Pension plan contributions":0,"Other employee benefits":0,"Payroll taxes":0},"Other expenses":{"value":78634,"Management services":0,"Legal":0,"Accounting":0,"Lobbying services":0,"Investment management fees":0,"Other services":0,"Advertising":0,"Office expenses":0,"Information technology":0,"Royalties":0,"Occupancy":0,"Travel":0,"Conferences and meetings":0,"Interest":0,"Payments to affiliates":0,"Depreciation and depletion":0,"Insurance":0,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":78634,"ADMINISTRATION FEES":78552,"COBRA ADMIN FEES":82},"All other expenses":0},"Functional Expenses":{"value":null,"Program Service Expenses":302724,"Management And General Expenses":0,"Fundraising Expenses":0}},"Assets":{"value":404999,"Non-interest bearing cash":404999,"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":36945,"Sum of Total Liabilities":0,"Accounts payable, accrued":36945,"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":368054,"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":-0.08484950563883503,"percentile":0.23940877322523035},"Liabilities to Assets Ratio":{"score":0.09122244746283324,"percentile":0.3344128390303376},"Operating Reserve Ratio":{"score":1.3378489977669428,"percentile":0.5061994531814119},"Officer Compensation Ratio":{"score":null,"percentile":null},"Program Expense Growth":{"score":-0.403945809610412,"percentile":0.044549661911172315},"Revenue Growth":{"score":-0.4328080587868091,"percentile":0.027642250474613862},"Asset Growth":{"score":-0.04805568323387475,"percentile":0.16888287545204744},"Independent Voting Board Pct":{"score":1.0,"percentile":0.9933392423419786},"Governance Policy Score":{"score":5.0,"percentile":0.3603717955204631},"Overall Score":{"score":0.5065055729352195,"percentile":0.3377217305154425}},"source_xml":"201622999349301012_public.xml"},{"Organization":{"value":null,"Person":["COMERICA"],"Title":["VP & TRUST OFFICER"],"Hours":[10.0],"Total Compensation":[3000],"Direct compensation":[3000],"Other compensation":[0]},"Basic":{"value":null,"mission":"Voluntary employee beneficiary assoc. for the payment of health and welfare benefits to current and eligible former occupations employees and their dependents.","year":2022,"name":"OCCUPATIONS EMPLOYEE BENEFITS TRUST","phone":5126527574,"website":null,"type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"SHERRITA WADE","year_formation":null,"state_legal_domicile":null,"total_volunteers":null,"tax_period_begin":"2022-01-01T00:00:00","tax_period_end":"2022-12-31T00:00:00","address":"15 FORTUNE RD W, MIDDLETOWN, NY, 10941, USA","city":"MIDDLETOWN","state":"NY","country":"USA","zip_code":10941},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":1,"Number of independent voting members":1,"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":false,"Compensation process for other employees":false,"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":257597,"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":242685,"Total revenue":242685,"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":14912,"Investment income total":14912,"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":140730,"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":69898,"Benefits paid to members Total":69898},"Salaries":{"value":0,"Current officers":0,"Disqualified persons":0,"Other salaries and wages":0,"Pension plan contributions":0,"Other employee benefits":0,"Payroll taxes":0},"Other expenses":{"value":70832,"Management services":0,"Legal":0,"Accounting":0,"Lobbying services":0,"Investment management fees":0,"Other services":0,"Advertising":0,"Office expenses":0,"Information technology":0,"Royalties":0,"Occupancy":0,"Travel":0,"Conferences and meetings":0,"Interest":0,"Payments to affiliates":0,"Depreciation and depletion":0,"Insurance":0,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":70832,"TRUST FEES":67832,"BANK FEES":3000},"All other expenses":0},"Functional Expenses":{"value":null,"Program Service Expenses":140730,"Management And General Expenses":0,"Fundraising Expenses":0}},"Assets":{"value":1164997,"Non-interest bearing cash":1164641,"Savings and temp cash investments":0,"Pledges and grants receivable":0,"Accounts receivable":356,"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":120477,"Sum of Total Liabilities":0,"Accounts payable, accrued":120477,"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":1044520,"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":0.4536815257941669,"percentile":0.9043577132312914},"Liabilities to Assets Ratio":{"score":0.10341400020772586,"percentile":0.3222310166772364},"Operating Reserve Ratio":{"score":8.278242023733391,"percentile":0.8726808762435434},"Officer Compensation Ratio":{"score":0.021317416329140908,"percentile":0.9054751856733936},"Program Expense Growth":{"score":-0.21943938556980294,"percentile":0.08225399978234808},"Revenue Growth":{"score":-0.13987639519346884,"percentile":0.1084278151580231},"Asset Growth":{"score":0.13220165846499637,"percentile":0.7518076991118436},"Independent Voting Board Pct":{"score":1.0,"percentile":0.9933392423419786},"Governance Policy Score":{"score":5.0,"percentile":0.3603717955204631},"Overall Score":{"score":0.7029337082886079,"percentile":0.853621612584476}},"source_xml":"202333069349301943_public.xml"},{"Organization":{"value":null,"Person":["COMERICA BANK"],"Title":["VP & TRUST OFFICER"],"Hours":[10.0],"Total Compensation":[3000],"Direct compensation":[3000],"Other compensation":[0]},"Basic":{"value":null,"mission":"Voluntary employee beneficiary assoc. for the payment of health and welfare benefits to current and eligible former occupations employees and their dependents.","year":2013,"name":"OCCUPATIONS EMPLOYEE BENEFITS TRUST","phone":5126527574,"website":null,"type":"990","affiliation":null,"foreign_countries":null,"principal_officer":null,"year_formation":null,"state_legal_domicile":null,"total_volunteers":null,"tax_period_begin":"2013-01-01T00:00:00","tax_period_end":"2013-12-31T00:00:00","address":"15 FORTUNE RD W Suite, MIDDLETOWN, NY, 10941, USA","city":"MIDDLETOWN","state":"NY","country":"USA","zip_code":10941},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":1,"Number of independent voting members":1,"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":false,"Compensation process for other employees":false,"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":825391,"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":825344,"Total revenue":825344,"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":47,"Investment income total":47,"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":836683,"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":753938,"Benefits paid to members Total":753938},"Salaries":{"value":0,"Current officers":0,"Disqualified persons":0,"Other salaries and wages":0,"Pension plan contributions":0,"Other employee benefits":0,"Payroll taxes":0},"Other expenses":{"value":82745,"Management services":0,"Legal":0,"Accounting":0,"Lobbying services":0,"Investment management fees":0,"Other services":0,"Advertising":0,"Office expenses":0,"Information technology":0,"Royalties":0,"Occupancy":0,"Travel":0,"Conferences and meetings":0,"Interest":0,"Payments to affiliates":0,"Depreciation and depletion":0,"Insurance":0,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":82745,"ADMINISTRATION FEES":79745,"BANK CHARGES":3000},"All other expenses":0},"Functional Expenses":{"value":null,"Program Service Expenses":836683,"Management And General Expenses":0,"Fundraising Expenses":0}},"Assets":{"value":445913,"Non-interest bearing cash":445913,"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":-150,"Sum of Total Liabilities":0,"Accounts payable, accrued":-150,"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":446063,"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":-0.013680788862490625,"percentile":0.3519633136791708},"Liabilities to Assets Ratio":{"score":-0.0003363884883374111,"percentile":0.9980980625433236},"Operating Reserve Ratio":{"score":0.5329533407515152,"percentile":0.264650253755917},"Officer Compensation Ratio":{"score":0.003585587372995507,"percentile":0.9865727135933876},"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":5.0,"percentile":0.3603717955204631},"Overall Score":{"score":0.7503550223065417,"percentile":0.9173403317305895}},"source_xml":"201423029349300732_public.xml"},{"Organization":{"value":null,"Person":["COMERICA"],"Title":["VP & TRUST OFFICER"],"Hours":[10.0],"Total Compensation":[0],"Direct compensation":[0],"Other compensation":[0]},"Basic":{"value":null,"mission":"Voluntary employee beneficiary assoc. for the payment of health and welfare benefits to current and eligible former occupations employees and their dependents.","year":2020,"name":"OCCUPATIONS EMPLOYEE BENEFITS TRUST","phone":5126527574,"website":null,"type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"SHERRITA WADE","year_formation":null,"state_legal_domicile":null,"total_volunteers":null,"tax_period_begin":"2020-01-01T00:00:00","tax_period_end":"2020-12-31T00:00:00","address":"15 FORTUNE RD W, MIDDLETOWN, NY, 10941, USA","city":"MIDDLETOWN","state":"NY","country":"USA","zip_code":10941},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":1,"Number of independent voting members":1,"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":false,"Compensation process for other employees":false,"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":319533,"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":317591,"Total revenue":317591,"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":1942,"Investment income total":1942,"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":192135,"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":93221,"Benefits paid to members Total":93221},"Salaries":{"value":0,"Current officers":0,"Disqualified persons":0,"Other salaries and wages":0,"Pension plan contributions":0,"Other employee benefits":0,"Payroll taxes":0},"Other expenses":{"value":98914,"Management services":0,"Legal":0,"Accounting":0,"Lobbying services":0,"Investment management fees":0,"Other services":0,"Advertising":0,"Office expenses":0,"Information technology":0,"Royalties":0,"Occupancy":0,"Travel":0,"Conferences and meetings":0,"Interest":0,"Payments to affiliates":0,"Depreciation and depletion":0,"Insurance":0,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":98914,"All other expenses":0},"Functional Expenses":{"value":null,"Program Service Expenses":192135,"Management And General Expenses":0,"Fundraising Expenses":0}},"Assets":{"value":988715,"Non-interest bearing cash":985461,"Savings and temp cash investments":0,"Pledges and grants receivable":0,"Accounts receivable":3254,"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":146970,"Sum of Total Liabilities":0,"Accounts payable, accrued":146970,"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":841745,"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":0.39870060369351523,"percentile":0.8844022606736655},"Liabilities to Assets Ratio":{"score":0.14864748688954857,"percentile":0.28456364208425305},"Operating Reserve Ratio":{"score":5.145939053269836,"percentile":0.8106071246472749},"Officer Compensation Ratio":{"score":null,"percentile":null},"Program Expense Growth":{"score":-0.26866018082028625,"percentile":0.06917988930600745},"Revenue Growth":{"score":-0.1791818940427988,"percentile":0.08518132475290822},"Asset Growth":{"score":0.12654475815113136,"percentile":0.74118453179815},"Independent Voting Board Pct":{"score":1.0,"percentile":0.9933392423419786},"Governance Policy Score":{"score":5.0,"percentile":0.3603717955204631},"Overall Score":{"score":0.6772799003967565,"percentile":0.8050431336959589}},"source_xml":"202133089349300433_public.xml"},{"Organization":{"value":null,"Person":["COMERICA"],"Title":["VP & TRUST OFFICER"],"Hours":[10.0],"Total Compensation":[3000],"Direct compensation":[3000],"Other compensation":[0]},"Basic":{"value":null,"mission":"Voluntary employee beneficiary assoc. for the payment of health and welfare benefits to current and eligible former occupations employees and their dependents.","year":2018,"name":"OCCUPATIONS EMPLOYEE BENEFITS TRUST","phone":5126527574,"website":null,"type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"SHERRITA WADE","year_formation":null,"state_legal_domicile":null,"total_volunteers":null,"tax_period_begin":"2018-01-01T00:00:00","tax_period_end":"2018-12-31T00:00:00","address":"15 FORTUNE RD W, MIDDLETOWN, NY, 10941, USA","city":"MIDDLETOWN","state":"NY","country":"USA","zip_code":10941},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":1,"Number of independent voting members":1,"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":false,"Compensation process for other employees":false,"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":271200,"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":263028,"Total revenue":263028,"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":8172,"Investment income total":8172,"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":161813,"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":84845,"Benefits paid to members Total":84845},"Salaries":{"value":0,"Current officers":0,"Disqualified persons":0,"Other salaries and wages":0,"Pension plan contributions":0,"Other employee benefits":0,"Payroll taxes":0},"Other expenses":{"value":76968,"Management services":0,"Legal":0,"Accounting":0,"Lobbying services":0,"Investment management fees":0,"Other services":0,"Advertising":0,"Office expenses":0,"Information technology":0,"Royalties":0,"Occupancy":0,"Travel":0,"Conferences and meetings":0,"Interest":0,"Payments to affiliates":0,"Depreciation and depletion":0,"Insurance":0,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":76968,"All other expenses":0},"Functional Expenses":{"value":null,"Program Service Expenses":161813,"Management And General Expenses":0,"Fundraising Expenses":0}},"Assets":{"value":650859,"Non-interest bearing cash":649292,"Savings and temp cash investments":1567,"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":11180,"Sum of Total Liabilities":0,"Accounts payable, accrued":11180,"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":639679,"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":0.40334439528023597,"percentile":0.8862664543574177},"Liabilities to Assets Ratio":{"score":0.017177299537995173,"percentile":0.46745402985417045},"Operating Reserve Ratio":{"score":4.022291163256352,"percentile":0.7697660934886391},"Officer Compensation Ratio":{"score":0.01853991953674921,"percentile":0.9198704596280329},"Program Expense Growth":{"score":-0.3632931120353222,"percentile":0.051436545469969605},"Revenue Growth":{"score":-0.267800398870433,"percentile":0.05408176320904763},"Asset Growth":{"score":0.09008336233895121,"percentile":0.6573368991543465},"Independent Voting Board Pct":{"score":1.0,"percentile":0.9933392423419786},"Governance Policy Score":{"score":5.0,"percentile":0.3603717955204631},"Overall Score":{"score":0.6895653936249652,"percentile":0.8306743703432317}},"source_xml":"201933099349301473_public.xml"},{"Organization":{"value":null,"Person":["COMERICA"],"Title":["VP & TRUST OFFICER"],"Hours":[0.0],"Total Compensation":[4273],"Direct compensation":[4273],"Other compensation":[0]},"Basic":{"value":null,"mission":"Voluntary employee beneficiary assoc. for the payment of health and welfare benefits to current and eligible former occupations employees and their dependents.","year":2016,"name":"OCCUPATIONS EMPLOYEE BENEFITS TRUST","phone":5126527574,"website":null,"type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"SHERRITA WADE","year_formation":null,"state_legal_domicile":null,"total_volunteers":null,"tax_period_begin":"2016-01-01T00:00:00","tax_period_end":"2016-12-31T00:00:00","address":"15 FORTUNE RD W, MIDDLETOWN, NY, 10941, USA","city":"MIDDLETOWN","state":"NY","country":"USA","zip_code":10941},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":1,"Number of independent voting members":1,"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":false,"Compensation process for other employees":false,"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":282368,"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":281587,"Total revenue":281587,"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":781,"Investment income total":781,"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":212969,"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":133843,"Benefits paid to members Total":133843},"Salaries":{"value":0,"Current officers":0,"Disqualified persons":0,"Other salaries and wages":0,"Pension plan contributions":0,"Other employee benefits":0,"Payroll taxes":0},"Other expenses":{"value":79126,"Management services":0,"Legal":0,"Accounting":0,"Lobbying services":0,"Investment management fees":0,"Other services":0,"Advertising":0,"Office expenses":0,"Information technology":0,"Royalties":0,"Occupancy":0,"Travel":0,"Conferences and meetings":0,"Interest":0,"Payments to affiliates":0,"Depreciation and depletion":0,"Insurance":0,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":79126,"All other expenses":0},"Functional Expenses":{"value":null,"Program Service Expenses":212969,"Management And General Expenses":0,"Fundraising Expenses":0}},"Assets":{"value":438973,"Non-interest bearing cash":438973,"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":1520,"Sum of Total Liabilities":0,"Accounts payable, accrued":1520,"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":437453,"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":0.24577501699909338,"percentile":0.7975009166077504},"Liabilities to Assets Ratio":{"score":0.0034626275420128346,"percentile":0.5417748220761578},"Operating Reserve Ratio":{"score":2.0612060910273327,"percentile":0.6239384397623488},"Officer Compensation Ratio":{"score":0.020063952969681033,"percentile":0.9119868799104489},"Program Expense Growth":{"score":-0.43935628548891587,"percentile":0.04006080543204333},"Revenue Growth":{"score":-0.39323778157909495,"percentile":0.03212592014616511},"Asset Growth":{"score":-0.009787570787399464,"percentile":0.28114567933908763},"Independent Voting Board Pct":{"score":1.0,"percentile":0.9933392423419786},"Governance Policy Score":{"score":5.0,"percentile":0.3603717955204631},"Overall Score":{"score":0.646245443443709,"percentile":0.7323203042646933}},"source_xml":"201713189349307596_public.xml"}],"Latest":{"Organization":{"value":null,"Person":["COMERICA"],"Title":["VP & TRUST OFFICER"],"Hours":[10.0],"Total Compensation":[3000],"Direct compensation":[3000],"Other compensation":[0]},"Basic":{"value":null,"mission":"Voluntary employee beneficiary assoc. for the payment of health and welfare benefits to current and eligible former occupations employees and their dependents.","year":2024,"name":"OCCUPATIONS EMPLOYEE BENEFITS TRUST","phone":5126527574,"website":null,"type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"GEORGE BRADEN - COMERICA BANK","year_formation":null,"state_legal_domicile":null,"total_volunteers":null,"tax_period_begin":"2024-01-01T00:00:00","tax_period_end":"2024-12-31T00:00:00","address":"15 FORTUNE RD W, MIDDLETOWN, NY, 10941, USA","city":"MIDDLETOWN","state":"NY","country":"USA","zip_code":10941},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":1,"Number of independent voting members":1,"Number of employees total":182,"Total Gross UBI":0,"Net unrelated business taxable income":null,"Number of employees":182,"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":false,"Compensation process for other employees":false,"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":361646,"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":302495,"Total revenue":302495,"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":59151,"Investment income total":59151,"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":529284,"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":455043,"Benefits paid to members Total":455043},"Salaries":{"value":0,"Current officers":0,"Disqualified persons":0,"Other salaries and wages":0,"Pension plan contributions":0,"Other employee benefits":0,"Payroll taxes":0},"Other expenses":{"value":74241,"Management services":0,"Legal":0,"Accounting":0,"Lobbying services":0,"Investment management fees":0,"Other services":0,"Advertising":0,"Office expenses":0,"Information technology":0,"Royalties":0,"Occupancy":0,"Travel":0,"Conferences and meetings":0,"Interest":0,"Payments to affiliates":0,"Depreciation and depletion":0,"Insurance":0,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":74241,"TRUST FEES":71241,"BANK FEES":3000},"All other expenses":0},"Functional Expenses":{"value":null,"Program Service Expenses":529284,"Management And General Expenses":0,"Fundraising Expenses":0}},"Assets":{"value":1101253,"Non-interest bearing cash":1169267,"Savings and temp cash investments":0,"Pledges and grants receivable":0,"Accounts receivable":-68752,"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":738},"Liabilities":{"value":68798,"Sum of Total Liabilities":0,"Accounts payable, accrued":68798,"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":1032455,"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":-0.4635416954701559,"percentile":0.07941583299009371},"Liabilities to Assets Ratio":{"score":0.06247247453582419,"percentile":0.3692821020823194},"Operating Reserve Ratio":{"score":2.080646684955525,"percentile":0.62634393228002},"Officer Compensation Ratio":{"score":0.005668034552338631,"percentile":0.9785870605168038},"Program Expense Growth":{"score":-0.11861871310633954,"percentile":0.12730794575154605},"Revenue Growth":{"score":-0.09141606288111813,"percentile":0.1538734398495346},"Asset Growth":{"score":0.11432253546692565,"percentile":0.7160759408852743},"Independent Voting Board Pct":{"score":1.0,"percentile":0.9933392423419786},"Governance Policy Score":{"score":5.0,"percentile":0.3603717955204631},"Overall Score":{"score":0.5654942365541424,"percentile":0.5033812409969396}},"source_xml":"202542549349300419_public.xml"},"sector":"Mutual/Membership Benefit","donation_categories":[],"zakat_policy":null},"error":null}