{"success":true,"data":{"_id":530227042,"filings":[{"Organization":{"value":null,"Person":["JOHN BECK","ANTHONY SHELTON","DAVID WOODS","JOHN HARRISON","STEVEN BROCK","SHAD CLARK","BRAD SCHMIDT","ROGER MILLER","ZACHARY L TOWNSEND","MARGARET ZOOK","MICHAEL LEE","THOMAS HORTON","LOU MINELLA","PHIL PATURZO","JON MCPHERSON","PAMELA DISTEFANO","DARRELL MILLER","DARIN TOROSIAN"],"Title":["EXECUTIVE DIRECTOR","UNION TRUSTEE/CHAIR","UNION TRUSTEE","Manager of IT","Manager of Admin Services","UNION TRUSTEE","UNION TRUSTEE","UNION TRUSTEE","UNION TRUSTEE","IT RESEARCH ADMINISTRATOR","SOFTWARE ENGINEER","SYSTEMS ENGINEER","ER TTEE/SECY (THRU 06/21/24)","EMPLOYER TRUSTEE/SECRETARY","EMPLOYER TRUSTEE","EMPLOYER TRUSTEE","EMPLOYER TRUSTEE","EMPLOYER TRUSTEE"],"Hours":[10.0,1.0,1.0,16.0,8.0,1.0,1.0,1.0,1.0,10.0,10.0,10.0,1.0,1.0,1.0,1.0,1.0,1.0],"Total Compensation":[260237,47906,102020,249993,157317,73032,47331,41904,45993,99048,83070,63306,0,0,0,0,0,0],"Direct compensation":[72758,0,0,95140,50346,0,0,0,0,37016,33567,25854,0,0,0,0,0,0],"Other compensation":[187479,47906,102020,154853,106971,73032,47331,41904,45993,62032,49503,37452,0,0,0,0,0,0]},"Basic":{"value":null,"mission":"To provide certain health benefits to local union employees, fund office employees and covered employees of participating employers under collectively bargained agreements.","year":2024,"name":"BAKERY AND CONFECTIONERY UNION AND INDUSTRY INTERNATIONAL HEALTH BENEFITS FUND","phone":3014683750,"website":"BCTRUSTFUNDS.ORG","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"JOHN BECK","year_formation":1953,"state_legal_domicile":"NY","total_volunteers":0,"tax_period_begin":"2024-01-01T00:00:00","tax_period_end":"2024-12-31T00:00:00","address":"10401 CONNECTICUT AVENUE, KENSINGTON, MD, 208953960, USA","city":"KENSINGTON","state":"MD","country":"USA","zip_code":208953960},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":11,"Number of independent voting members":0,"Number of employees total":33,"Total Gross UBI":0,"Net unrelated business taxable income":0,"Number of employees":33,"Prohibited tax shelter transactions":true,"Taxable party notification":true,"Funds to pay premiums":false,"Premiums Paid":false,"Family or business relationship":true,"Delegation of management duties":true,"Conflict of interest policy":true,"Whistle blower policy":true,"Compensation process for CEO":true,"Compensation process for other employees":true,"Changes to organizing documents":true,"Material diversion or misuse":true,"Members or stockholders":true,"Election of board members":true,"Decisions subject to approval":true,"Minutes of governing body":true,"Local chapters":true,"Form 990 provided to governing body":true,"Document retention policy":true,"Investment in joint venture":true,"Independent audit financial statements":true,"Consolidated audit financial statements":true,"Accountant compile or review":true,"Political activities":true,"Donor advised funds":true,"Conservation easements":true,"Collections of art":true,"School":true,"Hospital":true,"Foreign activities":true,"Foreign office":true,"Gaming":true,"Fundraising activities":true,"Professional fundraising":true,"Loan to officer or DQP":true,"Grant to related person":true,"Business relationship through family member":true,"Business relationship with organization":true},"Revenues":{"value":30080630,"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":19911293,"Total revenue":{"value":19911293,"EMPLOYERS CONTRIBUTIONS":11258340,"PARTICIPANTS COBRA CONTRIBUTIONS":147120,"RETIREES CONTRIBUTIONS":8505833},"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":10169337,"Investment income total":8367004,"Net investment gain":1802333,"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":20847248,"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":16629352,"Benefits paid to members Total":16629352},"Salaries":{"value":2220343,"Current officers":164208,"Disqualified persons":0,"Other salaries and wages":1278173,"Pension plan contributions":505407,"Other employee benefits":173369,"Payroll taxes":99186},"Other expenses":{"value":1997553,"Management services":0,"Legal":118563,"Accounting":183530,"Lobbying services":0,"Investment management fees":339160,"Other services":528095,"Advertising":0,"Office expenses":169704,"Information technology":0,"Royalties":0,"Occupancy":321273,"Travel":0,"Conferences and meetings":21391,"Interest":0,"Payments to affiliates":0,"Depreciation and depletion":21254,"Insurance":60779,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":233804,"ALLOCATED ADMINISTRATION":161124,"MED. CLAIMS PROCESS & REVIEW":16535,"TAXES":36125,"MISCELLANEOUS":20020},"All other expenses":0},"Functional Expenses":{"value":null,"Program Service Expenses":0,"Management And General Expenses":0,"Fundraising Expenses":0}},"Assets":{"value":275746545,"Non-interest bearing cash":575337,"Savings and temp cash investments":0,"Pledges and grants receivable":0,"Accounts receivable":974950,"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":131681,"Land, building, equipment":954451,"Investments publicly traded":271327395,"Investments other":0,"Investments program related":0,"Intangible assets":0,"Other assets":1782731},"Liabilities":{"value":1868907,"Sum of Total Liabilities":0,"Accounts payable, accrued":226250,"Grants payable":0,"Deferred, revenue":264858,"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":1377799},"Fund balance":{"value":273877638,"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":0.0,"percentile":0.4421253816471043},"Fundraising Efficiency":{"score":null,"percentile":null},"Operating Margin":{"score":0.3069544088671015,"percentile":0.8394902132379151},"Liabilities to Assets Ratio":{"score":0.006777626171163812,"percentile":0.5167972725172189},"Operating Reserve Ratio":{"score":13.226999793929636,"percentile":0.9165660083677916},"Officer Compensation Ratio":{"score":0.06097481068004755,"percentile":0.7048473124182253},"Program Expense Growth":{"score":null,"percentile":null},"Revenue Growth":{"score":-0.03964859628397274,"percentile":0.24271225199483404},"Asset Growth":{"score":0.005576565918965159,"percentile":0.34331466034096975},"Independent Voting Board Pct":{"score":0.0,"percentile":0.10798813433961453},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.5468841120537917,"percentile":0.4482306655310203}},"source_xml":"202513169349302521_public.xml"},{"Organization":{"value":null,"Person":["STEVEN V BERTELLI","BARBARA BRASIER","TRAVIS CLEMENS","DAVID B DURKEE","JETHRO A HEAD","JON MCPHERSON","LOU MINELLA","ART MONTMINY","ROBERT OAKLEY","JAMES RIVERS","RANDY D ROARK","DOUG RUYGROK","EDWARD THOMPSON","DARIN TOROSIAN","JOHN WAGNER","JOHN BECK","ROBERT J BERGIN","STEVEN BROCK","HILTON BRAKE","MICHAEL KIDD"],"Title":["UNION TRUSTEE","EMPLOYER TRUSTEE","EMPLOYER TRUSTEE","UNION TRUSTEE/CHAIRMAN","UNION TRUSTEE","EMPLOYER TRUSTEE","EMPLOYER TRUSTEE/SECRETARY","UNION TRUSTEE","UNION TRUSTEE","UNION TRUSTEE","UNION TRUSTEE","EMPLOYER TRUSTEE","EMPLOYER TRUSTEE (EFF 12/2014)","EMPLOYER TRUSTEE (THRU 5/2014)","EMPLOYER TRUSTEE","EXECUTIVE DIRECTOR(eff 9/2014)","EXEC DIRECTOR (THRU 8/2014)","Manager of Admin Services","Manager of information tech","Operations & date cntrl super"],"Hours":[1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,8.0,8.0,8.0,14.0,14.0],"Total Compensation":[90422,0,0,24711,55888,0,0,68217,2240,11402,68249,0,0,0,0,102040,118415,98966,131105,58503],"Direct compensation":[0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,34886,34409,32753,55155,45880],"Other compensation":[90422,0,0,24711,55888,0,0,68217,2240,11402,68249,0,0,0,0,67154,84006,66213,75950,12623]},"Basic":{"value":null,"mission":"To provide certain health benefits to local union employees, fund office employees and covered employees of participating employers under collectively bargained agreements.","year":2014,"name":"BAKERY AND CONFECTIONERY UNION AND INDUSTRY INTERNATIONAL HEALTH BENEFITS FUND","phone":3014683750,"website":"BCTRUSTFUNDS.ORG","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"JOHN BECK","year_formation":1953,"state_legal_domicile":"NY","total_volunteers":0,"tax_period_begin":"2014-01-01T00:00:00","tax_period_end":"2014-12-31T00:00:00","address":"10401 CONNECTICUT AVENUE, KENSINGTON, MD, 208953960, USA","city":"KENSINGTON","state":"MD","country":"USA","zip_code":208953960},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":14,"Number of independent voting members":0,"Number of employees total":41,"Total Gross UBI":0,"Net unrelated business taxable income":null,"Number of employees":41,"Prohibited tax shelter transactions":true,"Taxable party notification":true,"Funds to pay premiums":false,"Premiums Paid":false,"Family or business relationship":true,"Delegation of management duties":true,"Conflict of interest policy":true,"Whistle blower policy":true,"Compensation process for CEO":true,"Compensation process for other employees":true,"Changes to organizing documents":true,"Material diversion or misuse":true,"Members or stockholders":true,"Election of board members":true,"Decisions subject to approval":true,"Minutes of governing body":true,"Local chapters":true,"Form 990 provided to governing body":true,"Document retention policy":true,"Investment in joint venture":true,"Independent audit financial statements":true,"Consolidated audit financial statements":true,"Accountant compile or review":true,"Political activities":true,"Donor advised funds":true,"Conservation easements":true,"Collections of art":true,"School":true,"Hospital":true,"Foreign activities":true,"Foreign office":true,"Gaming":true,"Fundraising activities":true,"Professional fundraising":true,"Loan to officer or DQP":true,"Grant to related person":true,"Business relationship through family member":true,"Business relationship with organization":true},"Revenues":{"value":40719736,"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":29818341,"Total revenue":{"value":29818341,"EMPLOYERS CONTRIBUTIONS":17648394,"PARTICIPANTS COBRA CONTRIBUTIONS":214064,"RETIREES CONTRIBUTIONS":11955883},"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":10901395,"Investment income total":5999499,"Net investment gain":4901896,"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":47005129,"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":42440592,"Benefits paid to members Total":42440592},"Salaries":{"value":2012063,"Current officers":131743,"Disqualified persons":0,"Other salaries and wages":1193952,"Pension plan contributions":335423,"Other employee benefits":250400,"Payroll taxes":100545},"Other expenses":{"value":2552474,"Management services":0,"Legal":157097,"Accounting":235539,"Lobbying services":0,"Investment management fees":307020,"Other services":544036,"Advertising":0,"Office expenses":273448,"Information technology":0,"Royalties":0,"Occupancy":301019,"Travel":0,"Conferences and meetings":35915,"Interest":0,"Payments to affiliates":0,"Depreciation and depletion":319057,"Insurance":35381,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":255219,"ALLOCATED ADMINISTRATION":161640,"MEDICAL CLAIMS PROCESS/REVIEW":44014,"ADMINISTRATIVE COSTS":36989,"MEMBERSHIP FEES":12576},"All other expenses":88743},"Functional Expenses":{"value":null,"Program Service Expenses":0,"Management And General Expenses":0,"Fundraising Expenses":0}},"Assets":{"value":253932231,"Non-interest bearing cash":692983,"Savings and temp cash investments":4569880,"Pledges and grants receivable":0,"Accounts receivable":1521260,"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":72677,"Land, building, equipment":913148,"Investments publicly traded":241301444,"Investments other":0,"Investments program related":0,"Intangible assets":0,"Other assets":4860839},"Liabilities":{"value":5264458,"Sum of Total Liabilities":0,"Accounts payable, accrued":315863,"Grants payable":0,"Deferred, revenue":654919,"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":4293676},"Fund balance":{"value":248667773,"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":0.0,"percentile":0.4421253816471043},"Fundraising Efficiency":{"score":null,"percentile":null},"Operating Margin":{"score":-0.1543574103722087,"percentile":0.17806096547175798},"Liabilities to Assets Ratio":{"score":0.0207317439746355,"percentile":0.4552238653104634},"Operating Reserve Ratio":{"score":5.402223893481922,"percentile":0.8179313168530589},"Officer Compensation Ratio":{"score":0.017661008865649534,"percentile":0.9242874522538432},"Program Expense Growth":{"score":null,"percentile":null},"Revenue Growth":{"score":null,"percentile":null},"Asset Growth":{"score":null,"percentile":null},"Independent Voting Board Pct":{"score":0.0,"percentile":0.10798813433961453},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.45473401695101656,"percentile":0.2206972945872346}},"source_xml":"201513209349316216_public.xml"},{"Organization":{"value":null,"Person":["JOHN BECK","STEVEN BROCK","JOHN HARRISON","SHAD CLARK","JETHRO A HEAD","ROGER MILLER","DAVID B DURKEE","ANTHONY SHELTON","MARGARET ZOOK","MICHAEL LEE","STEVEN V BERTELLI","ART MONTMINY","LOU MINELLA","KEN HURLEY","JON MCPHERSON","PHIL PATURZO","DOUG RUYGROK","BRAD SMITH","DAVID WOODS"],"Title":["EXECUTIVE DIRECTOR","Manager of Admin Services","Manager of IT","UNION TRUSTEE","UNION TRUSTEE (THRU 11/2019)","EMPLOYER TRUSTEE (EFF. 4/2019)","UNION TRUSTEE/CHAIRMAN","UNION TRUSTEE/SECRETARY","IT RESEARCH ADMINISTRATOR","EMPLOYER TRUSTEE","UNION TRUSTEE (THRU 6/2019)","UNION TRUSTEE (THRU 4/2019)","EMPLOYER TRUSTEE/SECY-TREAS","EMPLOYER TRUSTEE","EMPLOYER TRUSTEE","EMPLOYER TRUSTEE","EMPLOYER TRUSTEE (THRU 3/2019)","EMPLOYER TRUSTEE (EFF. 4/2019)","EMPLOYER TRUSTEE (EFF 12/2019)"],"Hours":[10.0,8.0,16.0,1.0,1.0,1.0,1.0,1.0,10.0,10.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0],"Total Compensation":[195401,160449,209794,84664,48486,61001,-81229,846,97185,94800,8927,2846,0,0,0,0,0,0,0],"Direct compensation":[64881,44688,84379,0,0,0,0,0,29357,26709,0,0,0,0,0,0,0,0,0],"Other compensation":[130520,115761,125415,84664,48486,61001,-81229,846,67828,68091,8927,2846,0,0,0,0,0,0,0]},"Basic":{"value":null,"mission":"To provide certain health benefits to local union employees, fund office employees and covered employees of participating employers under collectively bargained agreements.","year":2019,"name":"BAKERY AND CONFECTIONERY UNION AND INDUSTRY INTERNATIONAL HEALTH BENEFITS FUND","phone":3014683750,"website":"BCTRUSTFUNDS.ORG","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"JOHN BECK","year_formation":1953,"state_legal_domicile":"NY","total_volunteers":0,"tax_period_begin":"2019-01-01T00:00:00","tax_period_end":"2019-12-31T00:00:00","address":"10401 CONNECTICUT AVENUE, KENSINGTON, MD, 208953960, USA","city":"KENSINGTON","state":"MD","country":"USA","zip_code":208953960},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":9,"Number of independent voting members":0,"Number of employees total":37,"Total Gross UBI":0,"Net unrelated business taxable income":null,"Number of employees":37,"Prohibited tax shelter transactions":true,"Taxable party notification":true,"Funds to pay premiums":false,"Premiums Paid":false,"Family or business relationship":true,"Delegation of management duties":true,"Conflict of interest policy":true,"Whistle blower policy":true,"Compensation process for CEO":true,"Compensation process for other employees":true,"Changes to organizing documents":true,"Material diversion or misuse":true,"Members or stockholders":true,"Election of board members":true,"Decisions subject to approval":true,"Minutes of governing body":true,"Local chapters":true,"Form 990 provided to governing body":true,"Document retention policy":true,"Investment in joint venture":true,"Independent audit financial statements":true,"Consolidated audit financial statements":true,"Accountant compile or review":true,"Political activities":true,"Donor advised funds":true,"Conservation easements":true,"Collections of art":true,"School":true,"Hospital":true,"Foreign activities":true,"Foreign office":true,"Gaming":true,"Fundraising activities":true,"Professional fundraising":true,"Loan to officer or DQP":true,"Grant to related person":true,"Business relationship through family member":true,"Business relationship with organization":true},"Revenues":{"value":34357286,"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":26454713,"Total revenue":{"value":26454713,"EMPLOYERS CONTRIBUTIONS":14267390,"PARTICIPANTS COBRA CONTRIBUTIONS":162434,"RETIREES CONTRIBUTIONS":12024889},"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":7902573,"Investment income total":6349318,"Net investment gain":1553255,"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":34168763,"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":29994436,"Benefits paid to members Total":29994436},"Salaries":{"value":1876075,"Current officers":155113,"Disqualified persons":0,"Other salaries and wages":1162226,"Pension plan contributions":235927,"Other employee benefits":232687,"Payroll taxes":90122},"Other expenses":{"value":2298252,"Management services":0,"Legal":108192,"Accounting":310167,"Lobbying services":0,"Investment management fees":291759,"Other services":513267,"Advertising":0,"Office expenses":245650,"Information technology":0,"Royalties":0,"Occupancy":296427,"Travel":0,"Conferences and meetings":16524,"Interest":0,"Payments to affiliates":0,"Depreciation and depletion":218275,"Insurance":63041,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":222891,"ALLOCATED ADMINISTRATION":159000,"TAXES":40046,"MED. CLAIMS PROCESS & REVIEW":20406,"HEALTH CARE AUDITING":3439},"All other expenses":12059},"Functional Expenses":{"value":null,"Program Service Expenses":0,"Management And General Expenses":0,"Fundraising Expenses":0}},"Assets":{"value":234569944,"Non-interest bearing cash":740932,"Savings and temp cash investments":0,"Pledges and grants receivable":0,"Accounts receivable":972009,"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":187164,"Land, building, equipment":179202,"Investments publicly traded":230154485,"Investments other":0,"Investments program related":0,"Intangible assets":0,"Other assets":2336152},"Liabilities":{"value":1827495,"Sum of Total Liabilities":0,"Accounts payable, accrued":187022,"Grants payable":0,"Deferred, revenue":502456,"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":1138017},"Fund balance":{"value":232742449,"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":0.0,"percentile":0.4421253816471043},"Fundraising Efficiency":{"score":null,"percentile":null},"Operating Margin":{"score":0.005487133064002786,"percentile":0.41201635566541034},"Liabilities to Assets Ratio":{"score":0.007790831889357488,"percentile":0.5105351152756407},"Operating Reserve Ratio":{"score":6.865040563511181,"percentile":0.8506565642582573},"Officer Compensation Ratio":{"score":0.025847292159801045,"percentile":0.8818024690031535},"Program Expense Growth":{"score":null,"percentile":null},"Revenue Growth":{"score":-0.027092637486909498,"percentile":0.27521472760201926},"Asset Growth":{"score":-0.020439302801772988,"percentile":0.24437798637276212},"Independent Voting Board Pct":{"score":0.0,"percentile":0.10798813433961453},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.4703484413987661,"percentile":0.25321340385326485}},"source_xml":"202033189349302073_public.xml"},{"Organization":{"value":null,"Person":["JOHN BECK","DAVID WOODS","ANTHONY SHELTON","JOHN HARRISON","STEVEN BROCK","ZACHARY L TOWNSEND","SHAD CLARK","ROGER MILLER","BRAD SCHMIDT","MARGARET ZOOK","MICHAEL LEE","LOU MINELLA","KEN HURLEY - PAST","JON MCPHERSON","PHIL PATURZO","RITA ESCALANTE - PAST"],"Title":["EXECUTIVE DIRECTOR","UNION TRUSTEE/SECY-TREAS","UNION TRUSTEE/CHAIR","Manager of IT","Manager of Admin Services","UNION TRUSTEE","UNION TRUSTEE","UNION TRUSTEE","UNION TRUSTEE","IT RESEARCH ADMINISTRATOR","SOFTWARE ENGINEER","EMPLOYER TRUSTEE","EMPLOYER TRUSTEE","EMPLOYER TRUSTEE","EMPLOYER TRUSTEE","HEALTH BENEFITS CLAIMS SPVSR"],"Hours":[10.0,1.0,1.0,16.0,8.0,1.0,1.0,1.0,1.0,10.0,10.0,1.0,0.0,1.0,1.0,0.0],"Total Compensation":[227585,88664,53332,222335,141319,72171,63166,41018,38748,90527,77042,0,0,0,0,0],"Direct compensation":[68328,0,0,88929,47069,0,0,0,0,33183,30361,0,0,0,0,0],"Other compensation":[159257,88664,53332,133406,94250,72171,63166,41018,38748,57344,46681,0,0,0,0,0]},"Basic":{"value":null,"mission":"To provide certain health benefits to local union employees, fund office employees and covered employees of participating employers under collectively bargained agreements.","year":2022,"name":"BAKERY AND CONFECTIONERY UNION AND INDUSTRY INTERNATIONAL HEALTH BENEFITS FUND","phone":3014683750,"website":"BCTRUSTFUNDS.ORG","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"JOHN BECK","year_formation":1953,"state_legal_domicile":"NY","total_volunteers":0,"tax_period_begin":"2022-01-01T00:00:00","tax_period_end":"2022-12-31T00:00:00","address":"10401 CONNECTICUT AVENUE, KENSINGTON, MD, 208953960, USA","city":"KENSINGTON","state":"MD","country":"USA","zip_code":208953960},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":9,"Number of independent voting members":0,"Number of employees total":35,"Total Gross UBI":0,"Net unrelated business taxable income":0,"Number of employees":35,"Prohibited tax shelter transactions":true,"Taxable party notification":true,"Funds to pay premiums":false,"Premiums Paid":false,"Family or business relationship":true,"Delegation of management duties":true,"Conflict of interest policy":true,"Whistle blower policy":true,"Compensation process for CEO":true,"Compensation process for other employees":true,"Changes to organizing documents":true,"Material diversion or misuse":true,"Members or stockholders":true,"Election of board members":true,"Decisions subject to approval":true,"Minutes of governing body":true,"Local chapters":true,"Form 990 provided to governing body":true,"Document retention policy":true,"Investment in joint venture":true,"Independent audit financial statements":true,"Consolidated audit financial statements":true,"Accountant compile or review":true,"Political activities":true,"Donor advised funds":true,"Conservation easements":true,"Collections of art":true,"School":true,"Hospital":true,"Foreign activities":true,"Foreign office":true,"Gaming":true,"Fundraising activities":true,"Professional fundraising":true,"Loan to officer or DQP":true,"Grant to related person":true,"Business relationship through family member":true,"Business relationship with organization":true},"Revenues":{"value":22231474,"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":22239769,"Total revenue":{"value":22239769,"EMPLOYERS CONTRIBUTIONS":12171174,"PARTICIPANTS COBRA CONTRIBUTIONS":185686,"RETIREES CONTRIBUTIONS":9882909},"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":-8295,"Investment income total":6051562,"Net investment gain":-6059857,"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":23939202,"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":19564861,"Benefits paid to members Total":19564861},"Salaries":{"value":2085237,"Current officers":161869,"Disqualified persons":0,"Other salaries and wages":1234285,"Pension plan contributions":362224,"Other employee benefits":231967,"Payroll taxes":94892},"Other expenses":{"value":2289104,"Management services":0,"Legal":116731,"Accounting":268687,"Lobbying services":0,"Investment management fees":353344,"Other services":635637,"Advertising":0,"Office expenses":255352,"Information technology":0,"Royalties":0,"Occupancy":302141,"Travel":0,"Conferences and meetings":13676,"Interest":0,"Payments to affiliates":0,"Depreciation and depletion":42219,"Insurance":70993,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":229329,"ALLOCATED ADMINISTRATION":159000,"MED. CLAIMS PROCESS & REVIEW":23131,"TAXES":36115,"MISCELLANEOUS":11083},"All other expenses":995},"Functional Expenses":{"value":null,"Program Service Expenses":0,"Management And General Expenses":0,"Fundraising Expenses":0}},"Assets":{"value":235108207,"Non-interest bearing cash":976083,"Savings and temp cash investments":0,"Pledges and grants receivable":0,"Accounts receivable":1069695,"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":165613,"Land, building, equipment":480014,"Investments publicly traded":230844629,"Investments other":0,"Investments program related":0,"Intangible assets":0,"Other assets":1572173},"Liabilities":{"value":1181341,"Sum of Total Liabilities":0,"Accounts payable, accrued":198908,"Grants payable":0,"Deferred, revenue":338609,"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":643824},"Fund balance":{"value":233926866,"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":0.0,"percentile":0.4421253816471043},"Fundraising Efficiency":{"score":null,"percentile":null},"Operating Margin":{"score":-0.07681577928660961,"percentile":0.2487916980099982},"Liabilities to Assets Ratio":{"score":0.005024669342997457,"percentile":0.5289518511781566},"Operating Reserve Ratio":{"score":9.821054477922864,"percentile":0.8904048878605586},"Officer Compensation Ratio":{"score":0.046614210448618965,"percentile":0.7735514740320979},"Program Expense Growth":{"score":null,"percentile":null},"Revenue Growth":{"score":-0.0448196290283414,"percentile":0.23089065025388797},"Asset Growth":{"score":-0.006442180307295749,"percentile":0.293472321477885},"Independent Voting Board Pct":{"score":0.0,"percentile":0.10798813433961453},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.4352494353309934,"percentile":0.18284679393558453}},"source_xml":"202303209349300425_public.xml"},{"Organization":{"value":null,"Person":["DAVID B DURKEE","LOU MINELLA","STEVEN V BERTELLI","SHAD CLARK","JETHRO A HEAD","KEN HURLEY","JON MCPHERSON","ART MONTMINY","PHIL PATURZO","DOUG RUYGROK","ANTHONY SHELTON","EDWARD THOMPSON","JOHN BECK","STEVEN BROCK","JOHN HARRISON","MARGARET ZOOK"],"Title":["UNION TRUSTEE/CHAIRMAN","EMPLOYER TRUSTEE/SECRETARY","UNION TRUSTEE/SECRETARY-TREAS","UNION TRUSTEE (EFF 1/1/2017)","UNION TRUSTEE","EMPLOYER TRUSTEE (EFF 12/1/17)","EMPLOYER TRUSTEE","UNION TRUSTEE","EMPLOYER TRUSTEE","EMPLOYER TRUSTEE","UNION TRUSTEE","EMPLOYER TTEE (THRU 4/28/17)","EXECUTIVE DIRECTOR","Manager of Admin Services","Manager of IT","IT RESEARCH ADMINISTRATOR"],"Hours":[1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,10.0,8.0,16.0,10.0],"Total Compensation":[-24238,0,111540,89673,405928,0,0,21871,0,0,5444,0,161965,134101,172932,75783],"Direct compensation":[0,0,0,0,0,0,0,0,0,0,0,0,59188,40673,76869,25331],"Other compensation":[-24238,0,111540,89673,405928,0,0,21871,0,0,5444,0,102777,93428,96063,50452]},"Basic":{"value":null,"mission":"To provide certain health benefits to local union employees, fund office employees and covered employees of participating employers under collectively bargained agreements.","year":2017,"name":"BAKERY AND CONFECTIONERY UNION AND INDUSTRY INTERNATIONAL HEALTH BENEFITS FUND","phone":3014683750,"website":"BCTRUSTFUNDS.ORG","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"JOHN BECK","year_formation":1953,"state_legal_domicile":"NY","total_volunteers":0,"tax_period_begin":"2017-01-01T00:00:00","tax_period_end":"2017-12-31T00:00:00","address":"10401 CONNECTICUT AVENUE, KENSINGTON, MD, 208953960, USA","city":"KENSINGTON","state":"MD","country":"USA","zip_code":208953960},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":11,"Number of independent voting members":0,"Number of employees total":38,"Total Gross UBI":0,"Net unrelated business taxable income":null,"Number of employees":38,"Prohibited tax shelter transactions":true,"Taxable party notification":true,"Funds to pay premiums":false,"Premiums Paid":false,"Family or business relationship":true,"Delegation of management duties":true,"Conflict of interest policy":true,"Whistle blower policy":true,"Compensation process for CEO":true,"Compensation process for other employees":true,"Changes to organizing documents":true,"Material diversion or misuse":true,"Members or stockholders":true,"Election of board members":true,"Decisions subject to approval":true,"Minutes of governing body":true,"Local chapters":true,"Form 990 provided to governing body":true,"Document retention policy":true,"Investment in joint venture":true,"Independent audit financial statements":true,"Consolidated audit financial statements":true,"Accountant compile or review":true,"Political activities":true,"Donor advised funds":true,"Conservation easements":true,"Collections of art":true,"School":true,"Hospital":true,"Foreign activities":true,"Foreign office":true,"Gaming":true,"Fundraising activities":true,"Professional fundraising":true,"Loan to officer or DQP":true,"Grant to related person":true,"Business relationship through family member":true,"Business relationship with organization":true},"Revenues":{"value":36952419,"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":27833053,"Total revenue":{"value":27833053,"EMPLOYERS CONTRIBUTIONS":15184069,"PARTICIPANTS COBRA CONTRIBUTIONS":307072,"RETIREES CONTRIBUTIONS":12341912},"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":9119366,"Investment income total":5761408,"Net investment gain":3357958,"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":42235408,"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":38321463,"Benefits paid to members Total":38321463},"Salaries":{"value":1720327,"Current officers":147944,"Disqualified persons":0,"Other salaries and wages":1064069,"Pension plan contributions":201304,"Other employee benefits":221255,"Payroll taxes":85755},"Other expenses":{"value":2193618,"Management services":0,"Legal":131512,"Accounting":281245,"Lobbying services":0,"Investment management fees":292322,"Other services":381643,"Advertising":0,"Office expenses":199845,"Information technology":0,"Royalties":0,"Occupancy":272537,"Travel":0,"Conferences and meetings":17111,"Interest":0,"Payments to affiliates":0,"Depreciation and depletion":312951,"Insurance":47867,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":236058,"ALLOCATED ADMINISTRATION":160320,"ACA FEES":32869,"MEDICAL CLAIMS PROCESS/REVIEW":23362,"MEMBERSHIP DUES":19507},"All other expenses":20527},"Functional Expenses":{"value":null,"Program Service Expenses":0,"Management And General Expenses":0,"Fundraising Expenses":0}},"Assets":{"value":232267967,"Non-interest bearing cash":686695,"Savings and temp cash investments":2332636,"Pledges and grants receivable":0,"Accounts receivable":1697860,"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":69421,"Land, building, equipment":1238393,"Investments publicly traded":223791404,"Investments other":0,"Investments program related":0,"Intangible assets":0,"Other assets":2451558},"Liabilities":{"value":1591903,"Sum of Total Liabilities":0,"Accounts payable, accrued":354348,"Grants payable":0,"Deferred, revenue":673550,"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":564005},"Fund balance":{"value":230676064,"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":0.0,"percentile":0.4421253816471043},"Fundraising Efficiency":{"score":null,"percentile":null},"Operating Margin":{"score":-0.14296733861996963,"percentile":0.1860706600126073},"Liabilities to Assets Ratio":{"score":0.006853734591821695,"percentile":0.5163060666991133},"Operating Reserve Ratio":{"score":5.499366005887762,"percentile":0.8205601202362285},"Officer Compensation Ratio":{"score":0.02734669924344048,"percentile":0.8738837252575887},"Program Expense Growth":{"score":null,"percentile":null},"Revenue Growth":{"score":-0.03312809393868927,"percentile":0.2589164553616598},"Asset Growth":{"score":-0.02750676940586826,"percentile":0.22089885492063394},"Independent Voting Board Pct":{"score":0.0,"percentile":0.10798813433961453},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.42287108575256394,"percentile":0.16026172395194527}},"source_xml":"201833189349313773_public.xml"},{"Organization":{"value":null,"Person":["JOHN BECK","JOHN HARRISON","STEVEN BROCK","DAVID WOODS","SHAD CLARK","ROGER MILLER","ANTHONY SHELTON","BRAD SCHMIDT","ZACHARY L TOWNSEND","MARGARET ZOOK","MICHAEL LEE","RITA ESCALANTE","DAVID B DURKEE","LOU MINELLA","KEN HURLEY","JON MCPHERSON","PHIL PATURZO"],"Title":["EXECUTIVE DIRECTOR","Manager of IT","Manager of Admin Services","UNION TRUSTEE (EFF. 04/2020)","UNION TRUSTEE","UNION TRUSTEE","UNION TTEE/CHAIR(EFF. 04/2020)","UNION TRUSTEE","UNION TRUSTEE(EFF.04/16/2020)","IT RESEARCH ADMINISTRATOR","SOFTWARE ENGINEER","HEALTH BENEFITS CLAIMS SPVSR","UNION TTEE/CHAIR(THRU 03/2020)","EMPLOYER TRUSTEE/SECY-TREAS","EMPLOYER TRUSTEE","EMPLOYER TRUSTEE","EMPLOYER TRUSTEE"],"Hours":[10.0,16.0,8.0,1.0,1.0,1.0,1.0,1.0,1.0,10.0,10.0,40.0,1.0,1.0,1.0,1.0,1.0],"Total Compensation":[228298,249276,174059,101401,100904,82854,-8224,54787,64938,109951,115223,167066,0,0,0,0,0],"Direct compensation":[67231,87617,46417,0,0,0,0,0,0,31789,29088,100885,0,0,0,0,0],"Other compensation":[161067,161659,127642,101401,100904,82854,-8224,54787,64938,78162,86135,66181,0,0,0,0,0]},"Basic":{"value":null,"mission":"To provide certain health benefits to local union employees, fund office employees and covered employees of participating employers under collectively bargained agreements.","year":2020,"name":"BAKERY AND CONFECTIONERY UNION AND INDUSTRY INTERNATIONAL HEALTH BENEFITS FUND","phone":3014683750,"website":"BCTRUSTFUNDS.ORG","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"JOHN BECK","year_formation":1953,"state_legal_domicile":"NY","total_volunteers":0,"tax_period_begin":"2020-01-01T00:00:00","tax_period_end":"2020-12-31T00:00:00","address":"10401 CONNECTICUT AVENUE, KENSINGTON, MD, 208953960, USA","city":"KENSINGTON","state":"MD","country":"USA","zip_code":208953960},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":10,"Number of independent voting members":0,"Number of employees total":35,"Total Gross UBI":0,"Net unrelated business taxable income":null,"Number of employees":35,"Prohibited tax shelter transactions":true,"Taxable party notification":true,"Funds to pay premiums":false,"Premiums Paid":false,"Family or business relationship":true,"Delegation of management duties":true,"Conflict of interest policy":true,"Whistle blower policy":true,"Compensation process for CEO":true,"Compensation process for other employees":true,"Changes to organizing documents":true,"Material diversion or misuse":true,"Members or stockholders":true,"Election of board members":true,"Decisions subject to approval":true,"Minutes of governing body":true,"Local chapters":true,"Form 990 provided to governing body":true,"Document retention policy":true,"Investment in joint venture":true,"Independent audit financial statements":true,"Consolidated audit financial statements":true,"Accountant compile or review":true,"Political activities":true,"Donor advised funds":true,"Conservation easements":true,"Collections of art":true,"School":true,"Hospital":true,"Foreign activities":true,"Foreign office":true,"Gaming":true,"Fundraising activities":true,"Professional fundraising":true,"Loan to officer or DQP":true,"Grant to related person":true,"Business relationship through family member":true,"Business relationship with organization":true},"Revenues":{"value":34543771,"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":25330473,"Total revenue":{"value":25330473,"EMPLOYERS CONTRIBUTIONS":13922355,"PARTICIPANTS COBRA CONTRIBUTIONS":184961,"RETIREES CONTRIBUTIONS":11223157},"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":9213298,"Investment income total":6229496,"Net investment gain":2983802,"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":27432013,"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":23120437,"Benefits paid to members Total":23120437},"Salaries":{"value":2099592,"Current officers":164214,"Disqualified persons":0,"Other salaries and wages":1187506,"Pension plan contributions":376520,"Other employee benefits":277007,"Payroll taxes":94345},"Other expenses":{"value":2211984,"Management services":0,"Legal":105121,"Accounting":316546,"Lobbying services":0,"Investment management fees":306051,"Other services":478644,"Advertising":0,"Office expenses":368138,"Information technology":0,"Royalties":0,"Occupancy":301981,"Travel":0,"Conferences and meetings":300,"Interest":0,"Payments to affiliates":0,"Depreciation and depletion":45565,"Insurance":46605,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":226951,"ALLOCATED ADMINISTRATION":159000,"TAXES":39346,"MED. CLAIMS PROCESS & REVIEW":25799,"HEALTH CARE AUDITING":2806},"All other expenses":16082},"Functional Expenses":{"value":null,"Program Service Expenses":0,"Management And General Expenses":0,"Fundraising Expenses":0}},"Assets":{"value":253659974,"Non-interest bearing cash":637024,"Savings and temp cash investments":0,"Pledges and grants receivable":0,"Accounts receivable":1142628,"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":127764,"Land, building, equipment":139173,"Investments publicly traded":249835943,"Investments other":0,"Investments program related":0,"Intangible assets":0,"Other assets":1777442},"Liabilities":{"value":2390485,"Sum of Total Liabilities":0,"Accounts payable, accrued":146266,"Grants payable":0,"Deferred, revenue":419103,"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":1825116},"Fund balance":{"value":251269489,"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":0.0,"percentile":0.4421253816471043},"Fundraising Efficiency":{"score":null,"percentile":null},"Operating Margin":{"score":0.20587671218640258,"percentile":0.7621256658526062},"Liabilities to Assets Ratio":{"score":0.009423974000722715,"percentile":0.5013089262625915},"Operating Reserve Ratio":{"score":9.246859645334814,"percentile":0.8843676129321444},"Officer Compensation Ratio":{"score":0.05251284329735481,"percentile":0.744619293232341},"Program Expense Growth":{"score":null,"percentile":null},"Revenue Growth":{"score":-0.024135584484161927,"percentile":0.28383658780839405},"Asset Growth":{"score":-0.008130262310423946,"percentile":0.28718101550762065},"Independent Voting Board Pct":{"score":0.0,"percentile":0.10798813433961453},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.532487667643558,"percentile":0.4073293985680697}},"source_xml":"202103199349330205_public.xml"},{"Organization":{"value":null,"Person":["DAVID B DURKEE","LOU MINELLA","STEVEN V BERTELLI","BARBARA BRASIER","TRAVIS CLEMENS","JETHRO A HEAD","JON MCPHERSON","ART MONTMINY","ROBERT OAKLEY","JAMES RIVERS","RANDY D ROARK","DOUG RUYGROK","EDWARD THOMPSON","ANTONY SHELTON","JOHN BECK","STEVEN BROCK","HILTON BRAKE","MICHAEL KIDD","JOHN HARRISON"],"Title":["UNION TRUSTEE/CHAIRMAN","EMPLOYER TRUSTEE/SECRETARY","UNION TRUSTEE","EMPLOYER TRUSTEE THRU 12/1/15)","EMPLOYER TRUSTEE","UNION TRUSTEE","EMPLOYER TRUSTEE","UNION TRUSTEE","UNION TRUSTEE (THRU 3/3/15)","UNION TRUSTEE (THRU 12/1/15)","UNION TRUSTEE","EMPLOYER TRUSTEE","EMPLOYER TRUSTEE","UNION TRUSTEE (EFF 12/1/15)","EXECUTIVE DIRECTOR","Manager of Admin Services","Manager of information tech","Operations & data cntrl super","IT MANAGER"],"Hours":[1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,8.0,8.0,14.0,14.0,8.0],"Total Compensation":[96922,0,15376,0,0,58451,0,72274,2189,6141,72280,0,0,56371,119423,109414,72018,58676,65339],"Direct compensation":[0,0,0,0,0,0,0,0,0,0,0,0,0,0,41605,36572,60987,47645,21683],"Other compensation":[96922,0,15376,0,0,58451,0,72274,2189,6141,72280,0,0,56371,77818,72842,11031,11031,43656]},"Basic":{"value":null,"mission":"To provide certain health benefits to local union employees, fund office employees and covered employees of participating employers under collectively bargained agreements.","year":2015,"name":"BAKERY AND CONFECTIONERY UNION AND INDUSTRY INTERNATIONAL HEALTH BENEFITS FUND","phone":3014683750,"website":"BCTRUSTFUNDS.ORG","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"JOHN BECK","year_formation":1953,"state_legal_domicile":"NY","total_volunteers":0,"tax_period_begin":"2015-01-01T00:00:00","tax_period_end":"2015-12-31T00:00:00","address":"10401 CONNECTICUT AVENUE, KENSINGTON, MD, 208953960, USA","city":"KENSINGTON","state":"MD","country":"USA","zip_code":208953960},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":11,"Number of independent voting members":0,"Number of employees total":39,"Total Gross UBI":0,"Net unrelated business taxable income":null,"Number of employees":39,"Prohibited tax shelter transactions":true,"Taxable party notification":true,"Funds to pay premiums":false,"Premiums Paid":false,"Family or business relationship":true,"Delegation of management duties":true,"Conflict of interest policy":true,"Whistle blower policy":true,"Compensation process for CEO":true,"Compensation process for other employees":true,"Changes to organizing documents":true,"Material diversion or misuse":true,"Members or stockholders":true,"Election of board members":true,"Decisions subject to approval":true,"Minutes of governing body":true,"Local chapters":true,"Form 990 provided to governing body":true,"Document retention policy":true,"Investment in joint venture":true,"Independent audit financial statements":true,"Consolidated audit financial statements":true,"Accountant compile or review":true,"Political activities":true,"Donor advised funds":true,"Conservation easements":true,"Collections of art":true,"School":true,"Hospital":true,"Foreign activities":true,"Foreign office":true,"Gaming":true,"Fundraising activities":true,"Professional fundraising":true,"Loan to officer or DQP":true,"Grant to related person":true,"Business relationship through family member":true,"Business relationship with organization":true},"Revenues":{"value":36854462,"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":29631960,"Total revenue":{"value":29631960,"EMPLOYERS CONTRIBUTIONS":17334670,"PARTICIPANTS COBRA CONTRIBUTIONS":211878,"RETIREES CONTRIBUTIONS":12085412},"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":7222502,"Investment income total":5835112,"Net investment gain":1387390,"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":44511176,"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":40329463,"Benefits paid to members Total":40329463},"Salaries":{"value":1886461,"Current officers":113203,"Disqualified persons":0,"Other salaries and wages":1221069,"Pension plan contributions":205808,"Other employee benefits":247912,"Payroll taxes":98469},"Other expenses":{"value":2295252,"Management services":0,"Legal":141076,"Accounting":205577,"Lobbying services":0,"Investment management fees":310808,"Other services":468238,"Advertising":0,"Office expenses":191482,"Information technology":0,"Royalties":0,"Occupancy":282864,"Travel":0,"Conferences and meetings":22760,"Interest":0,"Payments to affiliates":0,"Depreciation and depletion":347763,"Insurance":34014,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":268925,"ALLOCATED ADMINISTRATION":161640,"ACA FEES":73915,"MEDICAL CLAIMS PROCESS/REVIEW":26369,"ADMINISTRATIVE COSTS":7001},"All other expenses":21745},"Functional Expenses":{"value":null,"Program Service Expenses":0,"Management And General Expenses":0,"Fundraising Expenses":0}},"Assets":{"value":237080843,"Non-interest bearing cash":500796,"Savings and temp cash investments":3556322,"Pledges and grants receivable":0,"Accounts receivable":1496199,"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":65863,"Land, building, equipment":969551,"Investments publicly traded":228929192,"Investments other":0,"Investments program related":0,"Intangible assets":0,"Other assets":1562920},"Liabilities":{"value":2571910,"Sum of Total Liabilities":0,"Accounts payable, accrued":229369,"Grants payable":0,"Deferred, revenue":654291,"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":1688250},"Fund balance":{"value":234508933,"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":0.0,"percentile":0.4421253816471043},"Fundraising Efficiency":{"score":null,"percentile":null},"Operating Margin":{"score":-0.20775541371354167,"percentile":0.14756783559715236},"Liabilities to Assets Ratio":{"score":0.010848240488161248,"percentile":0.4940512476381972},"Operating Reserve Ratio":{"score":5.326321708507544,"percentile":0.8158305779871263},"Officer Compensation Ratio":{"score":0.01808251482728742,"percentile":0.9222015416495933},"Program Expense Growth":{"score":null,"percentile":null},"Revenue Growth":{"score":-0.045502127577070436,"percentile":0.2294281032439483},"Asset Growth":{"score":-0.03717717223504118,"percentile":0.19304608830201184},"Independent Voting Board Pct":{"score":0.0,"percentile":0.10798813433961453},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.4122955139918553,"percentile":0.1417987382166526}},"source_xml":"201643109349300504_public.xml"},{"Organization":{"value":null,"Person":["STEVEN V BERTELLI","BARBARA BRASIER","TRAVIS CLEMENS","DAVID B DURKEE","JETHRO A HEAD","JON MCPHERSON","LOU MINELLA","ART MONTMINY","ROBERT OAKLEY","JAMES RIVERS","RANDY D ROARK","DOUG RUYGROK","DARIN TOROSIAN","JOHN WAGNER","ROBERT J BERGIN","STEVEN BROCK","Hilton Brake","Michael Kidd"],"Title":["Union Trustee","Employer Trustee","Employer Trustee","Union Trustee/Chairman","Union Trustee","Employer Trustee","Employer Trustee/Secretary","Union Trustee","Union Trustee","Union Trustee","Union Trustee","Employer Trustee","Employer Trustee","Employer Trustee","Executive Director","Manager of Admin Services","Manager of information tech","Operations & date cntrl super"],"Hours":[1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,8.0,8.0,14.0,14.0],"Total Compensation":[80523,79039,55523,61449,13393,-11433,61437,74952,43727,64473,42554,0,0,0,45044,27891,48682,41059],"Direct compensation":[0,0,0,0,0,0,0,0,0,0,0,0,0,0,45044,27891,48682,41059],"Other compensation":[80523,79039,55523,61449,13393,-11433,61437,74952,43727,64473,42554,0,0,0,0,0,0,0]},"Basic":{"value":null,"mission":"To provide certain health benefits to local union employees, fund office employees and covered employees of participating employers under collectively bargained agreements.","year":2013,"name":"BAKERY AND CONFECTIONERY UNION AND INDUSTRY INTERNATIONAL HEALTH BENEFITS FUND","phone":3014683750,"website":"BCTRUSTFUNDS.ORG","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"JOHN BECK","year_formation":1953,"state_legal_domicile":"NY","total_volunteers":0,"tax_period_begin":"2013-01-01T00:00:00","tax_period_end":"2013-12-31T00:00:00","address":"10401 CONNECTICUT AVE Suite, KENSINGTON, MD, 208953960, USA","city":"KENSINGTON","state":"MD","country":"USA","zip_code":208953960},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":14,"Number of independent voting members":0,"Number of employees total":47,"Total Gross UBI":0,"Net unrelated business taxable income":null,"Number of employees":47,"Prohibited tax shelter transactions":true,"Taxable party notification":true,"Funds to pay premiums":false,"Premiums Paid":false,"Family or business relationship":true,"Delegation of management duties":true,"Conflict of interest policy":true,"Whistle blower policy":true,"Compensation process for CEO":true,"Compensation process for other employees":true,"Changes to organizing documents":true,"Material diversion or misuse":true,"Members or stockholders":true,"Election of board members":true,"Decisions subject to approval":true,"Minutes of governing body":true,"Local chapters":true,"Form 990 provided to governing body":true,"Document retention policy":true,"Investment in joint venture":true,"Independent audit financial statements":true,"Consolidated audit financial statements":true,"Accountant compile or review":true,"Political activities":true,"Donor advised funds":true,"Conservation easements":true,"Collections of art":true,"School":true,"Hospital":true,"Foreign activities":true,"Foreign office":true,"Gaming":true,"Fundraising activities":true,"Professional fundraising":true,"Loan to officer or DQP":true,"Grant to related person":true,"Business relationship through family member":true,"Business relationship with organization":true},"Revenues":{"value":40434218,"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":31675980,"Total revenue":{"value":31675980,"EMPLOYERS CONTRIBUTIONS":18294511,"PARTICIPANTS COBRA CONTRIBUTIONS":128405,"RETIREES CONTRIBUTIONS":13253064},"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":8758238,"Investment income total":6645496,"Net investment gain":2112742,"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":44674263,"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":39789872,"Benefits paid to members Total":39789872},"Salaries":{"value":2216420,"Current officers":84352,"Disqualified persons":0,"Other salaries and wages":1368487,"Pension plan contributions":346829,"Other employee benefits":304403,"Payroll taxes":112349},"Other expenses":{"value":2667971,"Management services":0,"Legal":131817,"Accounting":179502,"Lobbying services":0,"Investment management fees":297018,"Other services":478763,"Advertising":0,"Office expenses":511078,"Information technology":0,"Royalties":0,"Occupancy":361640,"Travel":0,"Conferences and meetings":22955,"Interest":0,"Payments to affiliates":0,"Depreciation and depletion":267487,"Insurance":36337,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":368057,"MEDICAL CLAIMS PROCESS/REVIEW":185998,"ALLOCATED ADMINISTRATION":149400,"ADMINISTRATIVE COSTS":20137,"MEMBERSHIP FEES":12522},"All other expenses":13317},"Functional Expenses":{"value":null,"Program Service Expenses":0,"Management And General Expenses":0,"Fundraising Expenses":0}},"Assets":{"value":255585116,"Non-interest bearing cash":226633,"Savings and temp cash investments":3234950,"Pledges and grants receivable":0,"Accounts receivable":1731630,"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":1116684,"Land, building, equipment":877601,"Investments publicly traded":246169082,"Investments other":0,"Investments program related":0,"Intangible assets":0,"Other assets":2228536},"Liabilities":{"value":1549981,"Sum of Total Liabilities":0,"Accounts payable, accrued":311271,"Grants payable":0,"Deferred, revenue":816910,"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":421800},"Fund balance":{"value":254035135,"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":0.0,"percentile":0.4421253816471043},"Fundraising Efficiency":{"score":null,"percentile":null},"Operating Margin":{"score":-0.1048627922023866,"percentile":0.2183772364159139},"Liabilities to Assets Ratio":{"score":0.006064441561612688,"percentile":0.5215372652740838},"Operating Reserve Ratio":{"score":5.721081867651628,"percentile":0.8262637424597217},"Officer Compensation Ratio":{"score":0.01630274236421091,"percentile":0.9311761830131372},"Program Expense Growth":{"score":null,"percentile":null},"Revenue Growth":{"score":null,"percentile":null},"Asset Growth":{"score":null,"percentile":null},"Independent Voting Board Pct":{"score":0.0,"percentile":0.10798813433961453},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.4698447161422139,"percentile":0.2520832904199538}},"source_xml":"201422589349300037_public.xml"},{"Organization":{"value":null,"Person":["DAVID B DURKEE","LOU MINELLA","STEVEN V BERTELLI","TRAVIS CLEMENS","JETHRO A HEAD","JON MCPHERSON","ART MONTMINY","PHIL PATURZO","RANDY D ROARK","DOUG RUYGROK","ANTHONY SHELTON","EDWARD THOMPSON","JOHN BECK","STEVEN BROCK","HILTON BRAKE","JOHN HARRISON"],"Title":["UNION TRUSTEE/CHAIRMAN","EMPLOYER TRUSTEE/SECRETARY","UNION TRUSTEE","EMPLOYER TRUSTEE(THRU 6/16/16)","UNION TRUSTEE","EMPLOYER TRUSTEE","UNION TRUSTEE","EMPLOYER TRUSTEE (EFF 6/16/16)","UNION TRUSTEE (THRU 12/31/16)","EMPLOYER TRUSTEE","UNION TRUSTEE","EMPLOYER TRUSTEE","EXECUTIVE DIRECTOR","Manager of Admin Services","Manager of IT (THRU 5/1/2016)","IT Manager"],"Hours":[1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,8.0,8.0,14.0,14.0],"Total Compensation":[-13310,0,102440,0,62490,0,76558,0,76561,0,12412,0,117168,126090,46925,119769],"Direct compensation":[0,0,0,0,0,0,0,0,0,0,0,0,47266,40563,35895,55028],"Other compensation":[-13310,0,102440,0,62490,0,76558,0,76561,0,12412,0,69902,85527,11030,64741]},"Basic":{"value":null,"mission":"To provide certain health benefits to local union employees, fund office employees and covered employees of participating employers under collectively bargained agreements.","year":2016,"name":"BAKERY AND CONFECTIONERY UNION AND INDUSTRY INTERNATIONAL HEALTH BENEFITS FUND","phone":3014683750,"website":"BCTRUSTFUNDS.ORG","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"JOHN BECK","year_formation":1953,"state_legal_domicile":"NY","total_volunteers":0,"tax_period_begin":"2016-01-01T00:00:00","tax_period_end":"2016-12-31T00:00:00","address":"10401 CONNECTICUT AVENUE, KENSINGTON, MD, 208953960, USA","city":"KENSINGTON","state":"MD","country":"USA","zip_code":208953960},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":11,"Number of independent voting members":0,"Number of employees total":35,"Total Gross UBI":0,"Net unrelated business taxable income":null,"Number of employees":35,"Prohibited tax shelter transactions":true,"Taxable party notification":true,"Funds to pay premiums":false,"Premiums Paid":false,"Family or business relationship":true,"Delegation of management duties":true,"Conflict of interest policy":true,"Whistle blower policy":true,"Compensation process for CEO":true,"Compensation process for other employees":true,"Changes to organizing documents":true,"Material diversion or misuse":true,"Members or stockholders":true,"Election of board members":true,"Decisions subject to approval":true,"Minutes of governing body":true,"Local chapters":true,"Form 990 provided to governing body":true,"Document retention policy":true,"Investment in joint venture":true,"Independent audit financial statements":true,"Consolidated audit financial statements":true,"Accountant compile or review":true,"Political activities":true,"Donor advised funds":true,"Conservation easements":true,"Collections of art":true,"School":true,"Hospital":true,"Foreign activities":true,"Foreign office":true,"Gaming":true,"Fundraising activities":true,"Professional fundraising":true,"Loan to officer or DQP":true,"Grant to related person":true,"Business relationship through family member":true,"Business relationship with organization":true},"Revenues":{"value":35091210,"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":28509862,"Total revenue":{"value":28509862,"EMPLOYERS CONTRIBUTIONS":15463573,"PARTICIPANTS COBRA CONTRIBUTIONS":141896,"RETIREES CONTRIBUTIONS":12904393},"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":6581348,"Investment income total":5686330,"Net investment gain":895018,"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":42232922,"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":38212600,"Benefits paid to members Total":38212600},"Salaries":{"value":1680406,"Current officers":135301,"Disqualified persons":0,"Other salaries and wages":1139744,"Pension plan contributions":76539,"Other employee benefits":236814,"Payroll taxes":92008},"Other expenses":{"value":2339916,"Management services":0,"Legal":141448,"Accounting":232501,"Lobbying services":0,"Investment management fees":299418,"Other services":503218,"Advertising":0,"Office expenses":219480,"Information technology":0,"Royalties":0,"Occupancy":260564,"Travel":0,"Conferences and meetings":28903,"Interest":0,"Payments to affiliates":0,"Depreciation and depletion":357868,"Insurance":36893,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":259100,"ALLOCATED ADMINISTRATION":161640,"ACA FEES":56426,"MEDICAL CLAIMS PROCESS/REVIEW":25910,"MISCELLANEOUS":15124},"All other expenses":523},"Functional Expenses":{"value":null,"Program Service Expenses":0,"Management And General Expenses":0,"Fundraising Expenses":0}},"Assets":{"value":233850684,"Non-interest bearing cash":597721,"Savings and temp cash investments":2459397,"Pledges and grants receivable":0,"Accounts receivable":1412912,"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":33566,"Land, building, equipment":1175055,"Investments publicly traded":224284815,"Investments other":0,"Investments program related":0,"Intangible assets":0,"Other assets":3887218},"Liabilities":{"value":2670985,"Sum of Total Liabilities":0,"Accounts payable, accrued":406591,"Grants payable":0,"Deferred, revenue":720179,"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":1544215},"Fund balance":{"value":231179699,"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":0.0,"percentile":0.4421253816471043},"Fundraising Efficiency":{"score":null,"percentile":null},"Operating Margin":{"score":-0.2035185449575549,"percentile":0.1496333874704255},"Liabilities to Assets Ratio":{"score":0.011421754062519655,"percentile":0.49134039784803507},"Operating Reserve Ratio":{"score":5.5371656263802915,"percentile":0.82158310630062},"Officer Compensation Ratio":{"score":0.017216497593986038,"percentile":0.9265247635341216},"Program Expense Growth":{"score":null,"percentile":null},"Revenue Growth":{"score":-0.05197739150584209,"percentile":0.21587042684591268},"Asset Growth":{"score":-0.033476374414195105,"percentile":0.20293358775180292},"Independent Voting Board Pct":{"score":0.0,"percentile":0.10798813433961453},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.4124053123193937,"percentile":0.14199792295910132}},"source_xml":"201703199349304410_public.xml"},{"Organization":{"value":null,"Person":["JOHN BECK","JOHN HARRISON","ANTHONY SHELTON","DAVID WOODS","STEVEN BROCK","ZACHARY L TOWNSEND","SHAD CLARK","BRAD SCHMIDT","ROGER MILLER","MARGARET ZOOK","MICHAEL LEE","LOU MINELLA","JON MCPHERSON","PHIL PATURZO","Pamela DiStefano","Darrell Miller","Darin Torosian"],"Title":["EXECUTIVE DIRECTOR","Manager of IT","UNION TRUSTEE/CHAIR","UNION TRUSTEE/SECY-TREAS","Manager of Admin Services","UNION TRUSTEE","UNION TRUSTEE","UNION TRUSTEE","UNION TRUSTEE","IT RESEARCH ADMINISTRATOR","SOFTWARE ENGINEER","EMPLOYER TRUSTEE","EMPLOYER TRUSTEE","EMPLOYER TRUSTEE","EMPLOYER TTEE (Eff. 11/1/23)","EMPLOYER TTEE (Eff. 11/1/23)","EMPLOYER TTEE (Eff. 11/1/23)"],"Hours":[10.0,16.0,1.0,1.0,8.0,1.0,1.0,1.0,1.0,10.0,10.0,1.0,1.0,1.0,1.0,1.0,1.0],"Total Compensation":[316140,298607,52868,103801,155548,82033,73450,50110,43360,98252,84208,0,0,0,0,0,0],"Direct compensation":[72653,94927,0,0,50239,0,0,0,0,35254,32106,0,0,0,0,0,0],"Other compensation":[243487,203680,52868,103801,105309,82033,73450,50110,43360,62998,52102,0,0,0,0,0,0]},"Basic":{"value":null,"mission":"To provide certain health benefits to local union employees, fund office employees and covered employees of participating employers under collectively bargained agreements.","year":2023,"name":"BAKERY AND CONFECTIONERY UNION AND INDUSTRY INTERNATIONAL HEALTH BENEFITS FUND","phone":3014683750,"website":"BCTRUSTFUNDS.ORG","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"JOHN BECK","year_formation":1953,"state_legal_domicile":"NY","total_volunteers":0,"tax_period_begin":"2023-01-01T00:00:00","tax_period_end":"2023-12-31T00:00:00","address":"10401 CONNECTICUT AVENUE, KENSINGTON, MD, 208953960, USA","city":"KENSINGTON","state":"MD","country":"USA","zip_code":208953960},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":12,"Number of independent voting members":0,"Number of employees total":33,"Total Gross UBI":0,"Net unrelated business taxable income":0,"Number of employees":33,"Prohibited tax shelter transactions":true,"Taxable party notification":true,"Funds to pay premiums":false,"Premiums Paid":false,"Family or business relationship":true,"Delegation of management duties":true,"Conflict of interest policy":true,"Whistle blower policy":true,"Compensation process for CEO":true,"Compensation process for other employees":true,"Changes to organizing documents":true,"Material diversion or misuse":true,"Members or stockholders":true,"Election of board members":true,"Decisions subject to approval":true,"Minutes of governing body":true,"Local chapters":true,"Form 990 provided to governing body":true,"Document retention policy":true,"Investment in joint venture":true,"Independent audit financial statements":true,"Consolidated audit financial statements":true,"Accountant compile or review":true,"Political activities":true,"Donor advised funds":true,"Conservation easements":true,"Collections of art":true,"School":true,"Hospital":true,"Foreign activities":true,"Foreign office":true,"Gaming":true,"Fundraising activities":true,"Professional fundraising":true,"Loan to officer or DQP":true,"Grant to related person":true,"Business relationship through family member":true,"Business relationship with organization":true},"Revenues":{"value":25720380,"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":21018888,"Total revenue":{"value":21018888,"EMPLOYERS CONTRIBUTIONS":11729643,"PARTICIPANTS COBRA CONTRIBUTIONS":142627,"RETIREES CONTRIBUTIONS":9146618},"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":4701492,"Investment income total":7330192,"Net investment gain":-2628700,"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":21703692,"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":17444912,"Benefits paid to members Total":17444912},"Salaries":{"value":2139139,"Current officers":210155,"Disqualified persons":0,"Other salaries and wages":1177810,"Pension plan contributions":455477,"Other employee benefits":203909,"Payroll taxes":91788},"Other expenses":{"value":2119641,"Management services":0,"Legal":108019,"Accounting":267899,"Lobbying services":0,"Investment management fees":300044,"Other services":506628,"Advertising":0,"Office expenses":274935,"Information technology":0,"Royalties":0,"Occupancy":309657,"Travel":0,"Conferences and meetings":16489,"Interest":0,"Payments to affiliates":0,"Depreciation and depletion":30867,"Insurance":76005,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":229098,"ALLOCATED ADMINISTRATION":161451,"MED. CLAIMS PROCESS & REVIEW":14453,"TAXES":34040,"MISCELLANEOUS":19154},"All other expenses":0},"Functional Expenses":{"value":null,"Program Service Expenses":0,"Management And General Expenses":0,"Fundraising Expenses":0}},"Assets":{"value":257409746,"Non-interest bearing cash":582314,"Savings and temp cash investments":0,"Pledges and grants receivable":0,"Accounts receivable":1045930,"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":121040,"Land, building, equipment":884829,"Investments publicly traded":253220111,"Investments other":0,"Investments program related":0,"Intangible assets":0,"Other assets":1555522},"Liabilities":{"value":1827496,"Sum of Total Liabilities":0,"Accounts payable, accrued":225280,"Grants payable":0,"Deferred, revenue":287290,"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":1314926},"Fund balance":{"value":255582250,"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":0.0,"percentile":0.4421253816471043},"Fundraising Efficiency":{"score":null,"percentile":null},"Operating Margin":{"score":0.15616752163070685,"percentile":0.7065797456894979},"Liabilities to Assets Ratio":{"score":0.007099560247419692,"percentile":0.5147902522479119},"Operating Reserve Ratio":{"score":11.86018240583215,"percentile":0.9075345490201705},"Officer Compensation Ratio":{"score":0.06258736992766023,"percentile":0.6974648200993677},"Program Expense Growth":{"score":null,"percentile":null},"Revenue Growth":{"score":-0.04636274504789336,"percentile":0.22760103934906578},"Asset Growth":{"score":-0.0004777502551879325,"percentile":0.3170271504617409},"Independent Voting Board Pct":{"score":0.0,"percentile":0.10798813433961453},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.5176579980104483,"percentile":0.36716267533906904}},"source_xml":"202443199349316924_public.xml"},{"Organization":{"value":null,"Person":["DAVID B DURKEE","LOU MINELLA","STEVEN V BERTELLI","SHAD CLARK","JETHRO A HEAD","KEN HURLEY","JON MCPHERSON","ART MONTMINY","PHIL PATURZO","DOUG RUYGROK","ANTHONY SHELTON","JOHN BECK","STEVEN BROCK","JOHN HARRISON","MARGARET ZOOK"],"Title":["UNION TRUSTEE/CHAIRMAN","EMPLOYER TRUSTEE/SECRETARY","UNION TRUSTEE","UNION TRUSTEE","UNION TRUSTEE","EMPLOYER TRUSTEE","EMPLOYER TRUSTEE","UNION TRUSTEE","EMPLOYER TRUSTEE","EMPLOYER TRUSTEE","UNION TRUSTEE","EXECUTIVE DIRECTOR","Manager of Admin Services","Manager of IT","IT RESEARCH ADMINISTRATOR"],"Hours":[1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,10.0,8.0,16.0,10.0],"Total Compensation":[-49303,0,30271,65531,23793,0,0,19822,0,0,7769,161424,131891,170651,79489],"Direct compensation":[0,0,0,0,0,0,0,0,0,0,0,61356,42125,79584,27349],"Other compensation":[-49303,0,30271,65531,23793,0,0,19822,0,0,7769,100068,89766,91067,52140]},"Basic":{"value":null,"mission":"To provide certain health benefits to local union employees, fund office employees and covered employees of participating employers under collectively bargained agreements.","year":2018,"name":"BAKERY AND CONFECTIONERY UNION AND INDUSTRY INTERNATIONAL HEALTH BENEFITS FUND","phone":3014683750,"website":"BCTRUSTFUNDS.ORG","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"JOHN BECK","year_formation":1953,"state_legal_domicile":"NY","total_volunteers":0,"tax_period_begin":"2018-01-01T00:00:00","tax_period_end":"2018-12-31T00:00:00","address":"10401 CONNECTICUT AVENUE, KENSINGTON, MD, 208953960, USA","city":"KENSINGTON","state":"MD","country":"USA","zip_code":208953960},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":11,"Number of independent voting members":0,"Number of employees total":36,"Total Gross UBI":0,"Net unrelated business taxable income":null,"Number of employees":36,"Prohibited tax shelter transactions":true,"Taxable party notification":true,"Funds to pay premiums":false,"Premiums Paid":false,"Family or business relationship":true,"Delegation of management duties":true,"Conflict of interest policy":true,"Whistle blower policy":true,"Compensation process for CEO":true,"Compensation process for other employees":true,"Changes to organizing documents":true,"Material diversion or misuse":true,"Members or stockholders":true,"Election of board members":true,"Decisions subject to approval":true,"Minutes of governing body":true,"Local chapters":true,"Form 990 provided to governing body":true,"Document retention policy":true,"Investment in joint venture":true,"Independent audit financial statements":true,"Consolidated audit financial statements":true,"Accountant compile or review":true,"Political activities":true,"Donor advised funds":true,"Conservation easements":true,"Collections of art":true,"School":true,"Hospital":true,"Foreign activities":true,"Foreign office":true,"Gaming":true,"Fundraising activities":true,"Professional fundraising":true,"Loan to officer or DQP":true,"Grant to related person":true,"Business relationship through family member":true,"Business relationship with organization":true},"Revenues":{"value":35692468,"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":27595795,"Total revenue":{"value":27595795,"EMPLOYERS CONTRIBUTIONS":14765470,"PARTICIPANTS COBRA CONTRIBUTIONS":225254,"RETIREES CONTRIBUTIONS":12605071},"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":8096673,"Investment income total":5983539,"Net investment gain":2113134,"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":39380154,"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":35568993,"Benefits paid to members Total":35568993},"Salaries":{"value":1771327,"Current officers":145433,"Disqualified persons":0,"Other salaries and wages":1097350,"Pension plan contributions":233966,"Other employee benefits":208647,"Payroll taxes":85931},"Other expenses":{"value":2039834,"Management services":0,"Legal":113979,"Accounting":283108,"Lobbying services":0,"Investment management fees":283870,"Other services":326481,"Advertising":0,"Office expenses":169839,"Information technology":0,"Royalties":0,"Occupancy":285842,"Travel":0,"Conferences and meetings":25182,"Interest":0,"Payments to affiliates":0,"Depreciation and depletion":258494,"Insurance":56185,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":236413,"ALLOCATED ADMINISTRATION":159000,"TAXES":39643,"MED. CLAIMS PROCESS & REVIEW":27384,"MISCELLANEOUS":10386},"All other expenses":441},"Functional Expenses":{"value":null,"Program Service Expenses":0,"Management And General Expenses":0,"Fundraising Expenses":0}},"Assets":{"value":219716651,"Non-interest bearing cash":677943,"Savings and temp cash investments":0,"Pledges and grants receivable":0,"Accounts receivable":1212702,"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":99121,"Land, building, equipment":1526431,"Investments publicly traded":214036819,"Investments other":0,"Investments program related":0,"Intangible assets":0,"Other assets":2163635},"Liabilities":{"value":1372733,"Sum of Total Liabilities":0,"Accounts payable, accrued":156075,"Grants payable":0,"Deferred, revenue":591613,"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":625045},"Fund balance":{"value":218343918,"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":0.0,"percentile":0.4421253816471043},"Fundraising Efficiency":{"score":null,"percentile":null},"Operating Margin":{"score":-0.10331832475131728,"percentile":0.21990168910580862},"Liabilities to Assets Ratio":{"score":0.006247742234155936,"percentile":0.5203006474576104},"Operating Reserve Ratio":{"score":5.579375108588961,"percentile":0.8226590402806321},"Officer Compensation Ratio":{"score":0.016285817470393843,"percentile":0.9312538369082615},"Program Expense Growth":{"score":null,"percentile":null},"Revenue Growth":{"score":-0.02792584477378384,"percentile":0.2728470476512038},"Asset Growth":{"score":-0.02962773618253265,"percentile":0.21429803015397159},"Independent Voting Board Pct":{"score":0.0,"percentile":0.10798813433961453},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.43416138716692565,"percentile":0.18073535567175555}},"source_xml":"201943199349308799_public.xml"}],"Latest":{"Organization":{"value":null,"Person":["JOHN BECK","ANTHONY SHELTON","DAVID WOODS","JOHN HARRISON","STEVEN BROCK","SHAD CLARK","BRAD SCHMIDT","ROGER MILLER","ZACHARY L TOWNSEND","MARGARET ZOOK","MICHAEL LEE","THOMAS HORTON","LOU MINELLA","PHIL PATURZO","JON MCPHERSON","PAMELA DISTEFANO","DARRELL MILLER","DARIN TOROSIAN"],"Title":["EXECUTIVE DIRECTOR","UNION TRUSTEE/CHAIR","UNION TRUSTEE","Manager of IT","Manager of Admin Services","UNION TRUSTEE","UNION TRUSTEE","UNION TRUSTEE","UNION TRUSTEE","IT RESEARCH ADMINISTRATOR","SOFTWARE ENGINEER","SYSTEMS ENGINEER","ER TTEE/SECY (THRU 06/21/24)","EMPLOYER TRUSTEE/SECRETARY","EMPLOYER TRUSTEE","EMPLOYER TRUSTEE","EMPLOYER TRUSTEE","EMPLOYER TRUSTEE"],"Hours":[10.0,1.0,1.0,16.0,8.0,1.0,1.0,1.0,1.0,10.0,10.0,10.0,1.0,1.0,1.0,1.0,1.0,1.0],"Total Compensation":[260237,47906,102020,249993,157317,73032,47331,41904,45993,99048,83070,63306,0,0,0,0,0,0],"Direct compensation":[72758,0,0,95140,50346,0,0,0,0,37016,33567,25854,0,0,0,0,0,0],"Other compensation":[187479,47906,102020,154853,106971,73032,47331,41904,45993,62032,49503,37452,0,0,0,0,0,0]},"Basic":{"value":null,"mission":"To provide certain health benefits to local union employees, fund office employees and covered employees of participating employers under collectively bargained agreements.","year":2024,"name":"BAKERY AND CONFECTIONERY UNION AND INDUSTRY INTERNATIONAL HEALTH BENEFITS FUND","phone":3014683750,"website":"BCTRUSTFUNDS.ORG","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"JOHN BECK","year_formation":1953,"state_legal_domicile":"NY","total_volunteers":0,"tax_period_begin":"2024-01-01T00:00:00","tax_period_end":"2024-12-31T00:00:00","address":"10401 CONNECTICUT AVENUE, KENSINGTON, MD, 208953960, USA","city":"KENSINGTON","state":"MD","country":"USA","zip_code":208953960},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":11,"Number of independent voting members":0,"Number of employees total":33,"Total Gross UBI":0,"Net unrelated business taxable income":0,"Number of employees":33,"Prohibited tax shelter transactions":true,"Taxable party notification":true,"Funds to pay premiums":false,"Premiums Paid":false,"Family or business relationship":true,"Delegation of management duties":true,"Conflict of interest policy":true,"Whistle blower policy":true,"Compensation process for CEO":true,"Compensation process for other employees":true,"Changes to organizing documents":true,"Material diversion or misuse":true,"Members or stockholders":true,"Election of board members":true,"Decisions subject to approval":true,"Minutes of governing body":true,"Local chapters":true,"Form 990 provided to governing body":true,"Document retention policy":true,"Investment in joint venture":true,"Independent audit financial statements":true,"Consolidated audit financial statements":true,"Accountant compile or review":true,"Political activities":true,"Donor advised funds":true,"Conservation easements":true,"Collections of art":true,"School":true,"Hospital":true,"Foreign activities":true,"Foreign office":true,"Gaming":true,"Fundraising activities":true,"Professional fundraising":true,"Loan to officer or DQP":true,"Grant to related person":true,"Business relationship through family member":true,"Business relationship with organization":true},"Revenues":{"value":30080630,"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":19911293,"Total revenue":{"value":19911293,"EMPLOYERS CONTRIBUTIONS":11258340,"PARTICIPANTS COBRA CONTRIBUTIONS":147120,"RETIREES CONTRIBUTIONS":8505833},"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":10169337,"Investment income total":8367004,"Net investment gain":1802333,"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":20847248,"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":16629352,"Benefits paid to members Total":16629352},"Salaries":{"value":2220343,"Current officers":164208,"Disqualified persons":0,"Other salaries and wages":1278173,"Pension plan contributions":505407,"Other employee benefits":173369,"Payroll taxes":99186},"Other expenses":{"value":1997553,"Management services":0,"Legal":118563,"Accounting":183530,"Lobbying services":0,"Investment management fees":339160,"Other services":528095,"Advertising":0,"Office expenses":169704,"Information technology":0,"Royalties":0,"Occupancy":321273,"Travel":0,"Conferences and meetings":21391,"Interest":0,"Payments to affiliates":0,"Depreciation and depletion":21254,"Insurance":60779,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":233804,"ALLOCATED ADMINISTRATION":161124,"MED. CLAIMS PROCESS & REVIEW":16535,"TAXES":36125,"MISCELLANEOUS":20020},"All other expenses":0},"Functional Expenses":{"value":null,"Program Service Expenses":0,"Management And General Expenses":0,"Fundraising Expenses":0}},"Assets":{"value":275746545,"Non-interest bearing cash":575337,"Savings and temp cash investments":0,"Pledges and grants receivable":0,"Accounts receivable":974950,"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":131681,"Land, building, equipment":954451,"Investments publicly traded":271327395,"Investments other":0,"Investments program related":0,"Intangible assets":0,"Other assets":1782731},"Liabilities":{"value":1868907,"Sum of Total Liabilities":0,"Accounts payable, accrued":226250,"Grants payable":0,"Deferred, revenue":264858,"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":1377799},"Fund balance":{"value":273877638,"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":0.0,"percentile":0.4421253816471043},"Fundraising Efficiency":{"score":null,"percentile":null},"Operating Margin":{"score":0.3069544088671015,"percentile":0.8394902132379151},"Liabilities to Assets Ratio":{"score":0.006777626171163812,"percentile":0.5167972725172189},"Operating Reserve Ratio":{"score":13.226999793929636,"percentile":0.9165660083677916},"Officer Compensation Ratio":{"score":0.06097481068004755,"percentile":0.7048473124182253},"Program Expense Growth":{"score":null,"percentile":null},"Revenue Growth":{"score":-0.03964859628397274,"percentile":0.24271225199483404},"Asset Growth":{"score":0.005576565918965159,"percentile":0.34331466034096975},"Independent Voting Board Pct":{"score":0.0,"percentile":0.10798813433961453},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.5468841120537917,"percentile":0.4482306655310203}},"source_xml":"202513169349302521_public.xml"},"sector":"","donation_categories":[],"zakat_policy":null},"error":null}