{"success":true,"data":{"_id":521190398,"filings":[{"Organization":{"value":null,"Person":["Joshua Cohen","Neil Lloyd","Stacy Schaus","Dan Houston","Brett Hammond","Jon Kessler","Ed Murphy","Dan Rosshirt","David Kasiarz","Lori Lucas","Abigail Bensimhon"],"Title":["Trustee","Trustee","Trustee","Trustee","Trustee","Trustee","Trustee","Trustee","Trustee","President and CEO","Chief Operating Officer"],"Hours":[1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,10.0,10.0],"Total Compensation":[0,0,0,0,0,0,0,0,0,45647,24605],"Direct compensation":[0,0,0,0,0,0,0,0,0,0,0],"Other compensation":[0,0,0,0,0,0,0,0,0,45647,24605]},"Basic":{"value":null,"mission":"Contribute to sound employee benefit programs through research and education","year":2021,"name":"Education & Research Fund of Employee Benefit Research Institute","phone":2027756300,"website":null,"type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"Lori Lucas","year_formation":1979,"state_legal_domicile":"DC","total_volunteers":10,"tax_period_begin":"2021-01-01T00:00:00","tax_period_end":"2021-12-31T00:00:00","address":"901 D Street SW 802, Washington, DC, 200242169, USA","city":"Washington","state":"DC","country":"USA","zip_code":200242169},"Governance":{"value":null,"501c3 determination":true,"501c determination":false,"Number of voting members":9,"Number of independent voting members":9,"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":true,"Premiums Paid":true,"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":623216,"Contributions":{"value":590268,"Other contributions":590268,"Contributions from gifts and grants":0,"Fundraising revenue":0,"Dues":0,"Campaigns":0,"Grant revenue":0,"Related organizations":0},"Program revenue":{"value":2109,"Total revenue":2109,"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":24138,"Investment income total":24170,"Net investment gain":-32,"Income from invest bond proceeds":0},"Other revenues":{"value":6701,"Other total":0,"Royalties revenue":6701,"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":871649,"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":0,"Benefits paid to members Total":0},"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":871649,"Management services":0,"Legal":0,"Accounting":8188,"Lobbying services":0,"Investment management fees":4412,"Other services":243309,"Advertising":0,"Office expenses":748,"Information technology":56308,"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":558684,"Reimbursed overhead":546684,"Bad debt":12000},"All other expenses":0},"Functional Expenses":{"value":null,"Program Service Expenses":216435,"Management And General Expenses":630762,"Fundraising Expenses":24452}},"Assets":{"value":2440477,"Non-interest bearing cash":0,"Savings and temp cash investments":343042,"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":2078341,"Investments other":0,"Investments program related":0,"Intangible assets":0,"Other assets":19094},"Liabilities":{"value":209500,"Sum of Total Liabilities":0,"Accounts payable, accrued":0,"Grants payable":0,"Deferred, revenue":209500,"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":2230977,"Net assets without donor restriction":2230977,"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":0.24830522377700198,"percentile":0.45400477713420284},"Fundraising Efficiency":{"score":24.139865859643383,"percentile":0.6437009707209218},"Operating Margin":{"score":-0.39863065133115966,"percentile":0.09008129531196152},"Liabilities to Assets Ratio":{"score":0.08584387396398327,"percentile":0.3401952614820896},"Operating Reserve Ratio":{"score":2.799839155439862,"percentile":0.6972656443407671},"Officer Compensation Ratio":{"score":0.08059666218856443,"percentile":0.6219691171924259},"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":0.5115438100871945,"percentile":0.3512236962648661}},"source_xml":"202211259349302116_public.xml"},{"Organization":{"value":null,"Person":["Sandy McCarthy","Jon Kessler","Josh Cohen","Lisa Margeson","Eric Stevenson","Dan Rosshirt","Edmund F Murphy III","Kelly O' Donnell","Katie Hockenmaier","Sri Reddy","Barbara Marder","Abigail Bensimhon"],"Title":["Chair","Vice Chair","Past Chair (2021 Emeritus)","Research Chair","At Large","At Large","At Large","At Large","At Large","At Large","President and CEO","Chief Operating Officer (To 05/24)"],"Hours":[1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,10.0,10.0],"Total Compensation":[0,0,0,0,0,0,0,0,0,0,20068,12973],"Direct compensation":[0,0,0,0,0,0,0,0,0,0,0,0],"Other compensation":[0,0,0,0,0,0,0,0,0,0,20068,12973]},"Basic":{"value":null,"mission":"Contribute to sound employee benefit programs through research and education","year":2024,"name":"Education & Research Fund of Employee Benefit Research Institute","phone":2027756300,"website":null,"type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"Barbara Marder","year_formation":1979,"state_legal_domicile":"DC","total_volunteers":12,"tax_period_begin":"2024-01-01T00:00:00","tax_period_end":"2024-12-31T00:00:00","address":"901 D Street SW 802, Washington, DC, 200242169, USA","city":"Washington","state":"DC","country":"USA","zip_code":200242169},"Governance":{"value":null,"501c3 determination":true,"501c determination":false,"Number of voting members":12,"Number of independent voting members":12,"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":true,"Premiums Paid":true,"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":749385,"Contributions":{"value":662812,"Other contributions":662812,"Contributions from gifts and grants":0,"Fundraising revenue":0,"Dues":0,"Campaigns":0,"Grant revenue":0,"Related organizations":0},"Program revenue":{"value":0,"Total revenue":0,"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":86290,"Investment income total":102514,"Net investment gain":-16224,"Income from invest bond proceeds":0},"Other revenues":{"value":283,"Other total":283,"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":603752,"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":0,"Benefits paid to members Total":0},"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":603752,"Management services":0,"Legal":0,"Accounting":0,"Lobbying services":0,"Investment management fees":4596,"Other services":238397,"Advertising":0,"Office expenses":1150,"Information technology":75,"Royalties":0,"Occupancy":0,"Travel":0,"Conferences and meetings":112933,"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":246601,"All other expenses":0},"Functional Expenses":{"value":null,"Program Service Expenses":248479,"Management And General Expenses":321389,"Fundraising Expenses":33884}},"Assets":{"value":2613493,"Non-interest bearing cash":0,"Savings and temp cash investments":199371,"Pledges and grants receivable":12150,"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":1125,"Land, building, equipment":0,"Investments publicly traded":2304470,"Investments other":0,"Investments program related":0,"Intangible assets":0,"Other assets":96377},"Liabilities":{"value":423528,"Sum of Total Liabilities":0,"Accounts payable, accrued":138678,"Grants payable":0,"Deferred, revenue":284850,"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":2189965,"Net assets without donor restriction":2189965,"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":0.411558056950536,"percentile":0.46535026946903724},"Fundraising Efficiency":{"score":19.561208830126315,"percentile":0.5921292016010031},"Operating Margin":{"score":0.19433668941865664,"percentile":0.7505559259124145},"Liabilities to Assets Ratio":{"score":0.16205438468746616,"percentile":0.2749449800322172},"Operating Reserve Ratio":{"score":4.328752534153096,"percentile":0.7826077818481207},"Officer Compensation Ratio":{"score":0.05472611270852933,"percentile":0.7340012219499723},"Program Expense Growth":{"score":-0.060327258289384955,"percentile":0.18314937176574828},"Revenue Growth":{"score":-0.11735526642102108,"percentile":0.12658394765067188},"Asset Growth":{"score":0.004172154799477598,"percentile":0.3374091314212884},"Independent Voting Board Pct":{"score":1.0,"percentile":0.9933392423419786},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.5425574321293688,"percentile":0.43566742787502477}},"source_xml":"202531979349300423_public.xml"},{"Organization":{"value":null,"Person":["Joshua Cohen","Eric Stevenson","Dan Rosshirt","Stacy Schaus","Brett Hammond","Jon Kessler","Ed Murphy","Kelly O'Donnell","Sandy McCarthy","Katie Hockenmaier","Dan Houston","David Kasiarz","Lori Lucas","Abigail Bensimhon"],"Title":["Chair","Vice Chair - Finance","Vice Chair - Finance","Past Chair","Research Chair","At Large","At Large","At Large","At Large","At Large","At Large","Advisor to the CEO","President and CEO","Chief Operating Officer"],"Hours":[1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,10.0,10.0],"Total Compensation":[0,0,0,0,0,0,0,0,0,0,0,0,42267,21021],"Direct compensation":[0,0,0,0,0,0,0,0,0,0,0,0,0,0],"Other compensation":[0,0,0,0,0,0,0,0,0,0,0,0,42267,21021]},"Basic":{"value":null,"mission":"Contribute to sound employee benefit programs through research and education","year":2022,"name":"Education & Research Fund of Employee Benefit Research Institute","phone":2027756300,"website":null,"type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"Lori Lucas","year_formation":1979,"state_legal_domicile":"DC","total_volunteers":12,"tax_period_begin":"2022-01-01T00:00:00","tax_period_end":"2022-12-31T00:00:00","address":"901 D Street SW 802, Washington, DC, 200242169, USA","city":"Washington","state":"DC","country":"USA","zip_code":200242169},"Governance":{"value":null,"501c3 determination":true,"501c determination":false,"Number of voting members":12,"Number of independent voting members":12,"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":true,"Premiums Paid":true,"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":750770,"Contributions":{"value":694697,"Other contributions":694697,"Contributions from gifts and grants":0,"Fundraising revenue":0,"Dues":0,"Campaigns":0,"Grant revenue":0,"Related organizations":0},"Program revenue":{"value":0,"Total revenue":0,"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":56073,"Investment income total":56073,"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":889983,"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":0,"Benefits paid to members Total":0},"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":889983,"Management services":0,"Legal":0,"Accounting":0,"Lobbying services":0,"Investment management fees":4204,"Other services":241314,"Advertising":0,"Office expenses":446,"Information technology":43330,"Royalties":0,"Occupancy":0,"Travel":2905,"Conferences and meetings":49473,"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":548311,"All other expenses":0},"Functional Expenses":{"value":null,"Program Service Expenses":251153,"Management And General Expenses":580261,"Fundraising Expenses":58569}},"Assets":{"value":2540502,"Non-interest bearing cash":0,"Savings and temp cash investments":475140,"Pledges and grants receivable":2500,"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":2062862,"Investments other":0,"Investments program related":0,"Intangible assets":0,"Other assets":0},"Liabilities":{"value":514934,"Sum of Total Liabilities":0,"Accounts payable, accrued":51731,"Grants payable":0,"Deferred, revenue":94500,"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":368703},"Fund balance":{"value":2025568,"Net assets without donor restriction":2025568,"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":0.28219977235520227,"percentile":0.45590656795533824},"Fundraising Efficiency":{"score":11.86117229250969,"percentile":0.4512292182101139},"Operating Margin":{"score":-0.18542696165270323,"percentile":0.15903506220806374},"Liabilities to Assets Ratio":{"score":0.20268986208237585,"percentile":0.24949486507612667},"Operating Reserve Ratio":{"score":2.854551154347892,"percentile":0.7015402791163519},"Officer Compensation Ratio":{"score":0.07111147066854086,"percentile":0.660335025276587},"Program Expense Growth":{"score":-0.10879683695314143,"percentile":0.13424410090479785},"Revenue Growth":{"score":-0.24749066552333002,"percentile":0.05951284082118767},"Asset Growth":{"score":-0.025036883158989456,"percentile":0.22899512648076287},"Independent Voting Board Pct":{"score":1.0,"percentile":0.9933392423419786},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.4126922722586602,"percentile":0.14248908533606325}},"source_xml":"202311079349300311_public.xml"},{"Organization":{"value":null,"Person":["Barbara Marder","Abigail Bensimhon","Josh Cohen","Sandy McCarthy","Eric Stevenson","Dan Rosshirt","Stacy Schaus","Brett Hammond","Jon Kessler","Ed Murphy","Kelly O'Donnell","Katie Hockenmaier","Sri Reddy","Chris DeRosa","David Kasiarz Deceased"],"Title":["President and CEO","Chief Operating Officer","Chair","Vice Chair","At Large","At Large","Past Chair (2021 Emeritus)","Research Chair","At Large","At Large","At Large","At Large","At Large","At Large","Advisor to the CEO"],"Hours":[10.0,10.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0],"Total Compensation":[3083,27609,0,0,0,0,0,0,0,0,0,0,0,0,0],"Direct compensation":[0,0,0,0,0,0,0,0,0,0,0,0,0,0,0],"Other compensation":[3083,27609,0,0,0,0,0,0,0,0,0,0,0,0,0]},"Basic":{"value":null,"mission":"Contribute to sound employee benefit programs through research and education","year":2023,"name":"Education & Research Fund of Employee Benefit Research Institute","phone":2027756300,"website":null,"type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"Barbara Marder","year_formation":1979,"state_legal_domicile":"DC","total_volunteers":13,"tax_period_begin":"2023-01-01T00:00:00","tax_period_end":"2023-12-31T00:00:00","address":"901 D Street SW 802, Washington, DC, 200242169, USA","city":"Washington","state":"DC","country":"USA","zip_code":200242169},"Governance":{"value":null,"501c3 determination":true,"501c determination":false,"Number of voting members":13,"Number of independent voting members":13,"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":true,"Premiums Paid":true,"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":560892,"Contributions":{"value":507378,"Other contributions":507378,"Contributions from gifts and grants":0,"Fundraising revenue":0,"Dues":0,"Campaigns":0,"Grant revenue":0,"Related organizations":0},"Program revenue":{"value":0,"Total revenue":0,"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":53514,"Investment income total":90903,"Net investment gain":-37389,"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":667084,"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":0,"Benefits paid to members Total":0},"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":667084,"Management services":0,"Legal":0,"Accounting":0,"Lobbying services":0,"Investment management fees":4289,"Other services":243827,"Advertising":0,"Office expenses":336,"Information technology":43331,"Royalties":0,"Occupancy":0,"Travel":0,"Conferences and meetings":13956,"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":361345,"All other expenses":0},"Functional Expenses":{"value":null,"Program Service Expenses":188031,"Management And General Expenses":438656,"Fundraising Expenses":40397}},"Assets":{"value":2657654,"Non-interest bearing cash":0,"Savings and temp cash investments":441054,"Pledges and grants receivable":13686,"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":16575,"Land, building, equipment":0,"Investments publicly traded":2186339,"Investments other":0,"Investments program related":0,"Intangible assets":0,"Other assets":0},"Liabilities":{"value":656021,"Sum of Total Liabilities":0,"Accounts payable, accrued":38480,"Grants payable":0,"Deferred, revenue":225500,"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":392041},"Fund balance":{"value":2001633,"Net assets without donor restriction":2001633,"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":0.2818700493491075,"percentile":0.4558842129006791},"Fundraising Efficiency":{"score":12.559794044112186,"percentile":0.468333722159338},"Operating Margin":{"score":-0.1893270005633883,"percentile":0.15691733655289045},"Liabilities to Assets Ratio":{"score":0.2468421397217245,"percentile":0.22599523460710907},"Operating Reserve Ratio":{"score":3.983987024122899,"percentile":0.7680236624639091},"Officer Compensation Ratio":{"score":0.04600919824190057,"percentile":0.7766434665480206},"Program Expense Growth":{"score":-0.13427983966437518,"percentile":0.1177663943732696},"Revenue Growth":{"score":-0.2191742304196019,"percentile":0.06851993546203355},"Asset Growth":{"score":0.0026568455862527383,"percentile":0.3311565153005739},"Independent Voting Board Pct":{"score":1.0,"percentile":0.9933392423419786},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.4262249511082459,"percentile":0.16620186893683944}},"source_xml":"202441289349303009_public.xml"},{"Organization":{"value":null,"Person":["Stacy Schaus","Josh Cohen","Dan Houston","Jon Kessler","David Kasiarz","Neil Lloyd","Judith Mares","Daniel Rosshirt","Lori Lucas","Abigail Bensimhon"],"Title":["Committee Member","Committee Member","Committee Member","Committee Member","Committee Member","Committee Member","Committee Member","Committee Member","President and CEO","Chief Operating Officer"],"Hours":[1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,10.0,10.0],"Total Compensation":[0,0,0,0,0,0,0,0,62118,19752],"Direct compensation":[0,0,0,0,0,0,0,0,0,0],"Other compensation":[0,0,0,0,0,0,0,0,62118,19752]},"Basic":{"value":null,"mission":"Contribute to sound employee benefit programs through research and education","year":2020,"name":"Education & Research Fund of Employee Benefit Research Institute","phone":2027756300,"website":null,"type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"Lori Lucas","year_formation":1979,"state_legal_domicile":"DC","total_volunteers":67,"tax_period_begin":"2020-01-01T00:00:00","tax_period_end":"2020-12-31T00:00:00","address":"901 D Street SW No 802, Washington, DC, 200242169, USA","city":"Washington","state":"DC","country":"USA","zip_code":200242169},"Governance":{"value":null,"501c3 determination":true,"501c determination":false,"Number of voting members":8,"Number of independent voting members":8,"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":true,"Premiums Paid":true,"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":1170613,"Contributions":{"value":1159837,"Other contributions":1159837,"Contributions from gifts and grants":0,"Fundraising revenue":0,"Dues":0,"Campaigns":0,"Grant revenue":0,"Related organizations":0},"Program revenue":{"value":871,"Total revenue":871,"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":-914,"Investment income total":48904,"Net investment gain":-49818,"Income from invest bond proceeds":0},"Other revenues":{"value":10819,"Other total":0,"Royalties revenue":10819,"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":1029875,"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":0,"Benefits paid to members Total":0},"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":1029875,"Management services":0,"Legal":16519,"Accounting":8000,"Lobbying services":0,"Investment management fees":5727,"Other services":356148,"Advertising":0,"Office expenses":28,"Information technology":42218,"Royalties":0,"Occupancy":0,"Travel":1354,"Conferences and meetings":0,"Interest":0,"Payments to affiliates":0,"Depreciation and depletion":1522,"Insurance":0,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":598359,"All other expenses":0},"Functional Expenses":{"value":null,"Program Service Expenses":307361,"Management And General Expenses":690342,"Fundraising Expenses":32172}},"Assets":{"value":2668176,"Non-interest bearing cash":0,"Savings and temp cash investments":51281,"Pledges and grants receivable":49602,"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":2566302,"Investments other":0,"Investments program related":0,"Intangible assets":0,"Other assets":991},"Liabilities":{"value":189768,"Sum of Total Liabilities":0,"Accounts payable, accrued":0,"Grants payable":0,"Deferred, revenue":189768,"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":2478408,"Net assets without donor restriction":2440846,"Net assets with donor restriction":37562,"Unrestricted net assets":0,"Temporarily restricted net assets":0,"Permanently restricted net assets":0},"Ratings":{"Program Expense Ratio":{"score":0.29844495691224665,"percentile":0.4569091216678885},"Fundraising Efficiency":{"score":36.05113141862489,"percentile":0.72699998175878},"Operating Margin":{"score":0.12022589873852417,"percentile":0.6561356469416483},"Liabilities to Assets Ratio":{"score":0.07112274452659795,"percentile":0.3576592875180464},"Operating Reserve Ratio":{"score":2.5907765505522513,"percentile":0.6797018911095801},"Officer Compensation Ratio":{"score":0.07949508435489744,"percentile":0.6263631555221931},"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":0.6338540120850998,"percentile":0.7004849428533775}},"source_xml":"202141839349300209_public.xml"}],"Latest":{"Organization":{"value":null,"Person":["Sandy McCarthy","Jon Kessler","Josh Cohen","Lisa Margeson","Eric Stevenson","Dan Rosshirt","Edmund F Murphy III","Kelly O' Donnell","Katie Hockenmaier","Sri Reddy","Barbara Marder","Abigail Bensimhon"],"Title":["Chair","Vice Chair","Past Chair (2021 Emeritus)","Research Chair","At Large","At Large","At Large","At Large","At Large","At Large","President and CEO","Chief Operating Officer (To 05/24)"],"Hours":[1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,10.0,10.0],"Total Compensation":[0,0,0,0,0,0,0,0,0,0,20068,12973],"Direct compensation":[0,0,0,0,0,0,0,0,0,0,0,0],"Other compensation":[0,0,0,0,0,0,0,0,0,0,20068,12973]},"Basic":{"value":null,"mission":"Contribute to sound employee benefit programs through research and education","year":2024,"name":"Education & Research Fund of Employee Benefit Research Institute","phone":2027756300,"website":null,"type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"Barbara Marder","year_formation":1979,"state_legal_domicile":"DC","total_volunteers":12,"tax_period_begin":"2024-01-01T00:00:00","tax_period_end":"2024-12-31T00:00:00","address":"901 D Street SW 802, Washington, DC, 200242169, USA","city":"Washington","state":"DC","country":"USA","zip_code":200242169},"Governance":{"value":null,"501c3 determination":true,"501c determination":false,"Number of voting members":12,"Number of independent voting members":12,"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":true,"Premiums Paid":true,"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":749385,"Contributions":{"value":662812,"Other contributions":662812,"Contributions from gifts and grants":0,"Fundraising revenue":0,"Dues":0,"Campaigns":0,"Grant revenue":0,"Related organizations":0},"Program revenue":{"value":0,"Total revenue":0,"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":86290,"Investment income total":102514,"Net investment gain":-16224,"Income from invest bond proceeds":0},"Other revenues":{"value":283,"Other total":283,"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":603752,"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":0,"Benefits paid to members Total":0},"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":603752,"Management services":0,"Legal":0,"Accounting":0,"Lobbying services":0,"Investment management fees":4596,"Other services":238397,"Advertising":0,"Office expenses":1150,"Information technology":75,"Royalties":0,"Occupancy":0,"Travel":0,"Conferences and meetings":112933,"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":246601,"All other expenses":0},"Functional Expenses":{"value":null,"Program Service Expenses":248479,"Management And General Expenses":321389,"Fundraising Expenses":33884}},"Assets":{"value":2613493,"Non-interest bearing cash":0,"Savings and temp cash investments":199371,"Pledges and grants receivable":12150,"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":1125,"Land, building, equipment":0,"Investments publicly traded":2304470,"Investments other":0,"Investments program related":0,"Intangible assets":0,"Other assets":96377},"Liabilities":{"value":423528,"Sum of Total Liabilities":0,"Accounts payable, accrued":138678,"Grants payable":0,"Deferred, revenue":284850,"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":2189965,"Net assets without donor restriction":2189965,"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":0.411558056950536,"percentile":0.46535026946903724},"Fundraising Efficiency":{"score":19.561208830126315,"percentile":0.5921292016010031},"Operating Margin":{"score":0.19433668941865664,"percentile":0.7505559259124145},"Liabilities to Assets Ratio":{"score":0.16205438468746616,"percentile":0.2749449800322172},"Operating Reserve Ratio":{"score":4.328752534153096,"percentile":0.7826077818481207},"Officer Compensation Ratio":{"score":0.05472611270852933,"percentile":0.7340012219499723},"Program Expense Growth":{"score":-0.060327258289384955,"percentile":0.18314937176574828},"Revenue Growth":{"score":-0.11735526642102108,"percentile":0.12658394765067188},"Asset Growth":{"score":0.004172154799477598,"percentile":0.3374091314212884},"Independent Voting Board Pct":{"score":1.0,"percentile":0.9933392423419786},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.5425574321293688,"percentile":0.43566742787502477}},"source_xml":"202531979349300423_public.xml"},"sector":"Mutual/Membership Benefit","donation_categories":[],"zakat_policy":null},"error":null}