{"success":true,"data":{"_id":571194227,"filings":[{"Organization":{"value":null,"Person":["ALAN J NORTON","DAVID P TRAINOR","TIMOTHY A HULTQUIST","MARY PATTERSON MCPHERSON","DAVID ANDERSON","CARRIE ABILDGAARD","JOHN H BIGGS","ELIZABETH BRADLEY","SUSAN DENTZER","RONALD G EHRENBERG","HANNA H GRAY","PAUL FRONSTIN","PAUL J MASON","STEPHEN PARENTE","MARK V PAULY","T DENNIS SULLIVAN","SETH PATTON","ROGER L MONTGOMERY","BARBARA PERRY","DEBRA ONDO"],"Title":["PRESIDENT (I","PRESIDENT (J","CHAIR","VICE CHAIR","SECRETARY","TRUSTEE","TRUSTEE","TRUSTEE","TRUSTEE","TRUSTEE","TRUSTEE","TRUSTEE","TRUSTEE","TRUSTEE","TRUSTEE","TRUSTEE","EX OFFICIO T","VP FOR FINAN","VP MARKETING","VP OF COMMUN"],"Hours":[40.0,40.0,5.0,5.0,5.0,5.0,5.0,5.0,5.0,5.0,5.0,5.0,5.0,5.0,5.0,5.0,5.0,40.0,40.0,40.0],"Total Compensation":[0,202378,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,176440,260804,132016],"Direct compensation":[0,177929,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,154369,234500,113984],"Other compensation":[0,24449,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,22071,26304,18032]},"Basic":{"value":null,"mission":"The organization provides a tax-advantaged method of providing for retiree health benefits to employees of colleges, universities and other education -related tax exempt organizations.","year":2014,"name":"THE EMERITI CONSORTIUM FOR RETIREMENT HEALTH SOLUTIONS","phone":8455676666,"website":"WWW.EMERITIHEALTH.ORG","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"DR ALAN J NORTON","year_formation":2003,"state_legal_domicile":"IL","total_volunteers":null,"tax_period_begin":"2014-01-01T00:00:00","tax_period_end":"2014-12-31T00:00:00","address":"103 EXECUTIVE DRIVE ROOM/SUITE 503, NEW WINDSOR, NY, 125535506, USA","city":"NEW WINDSOR","state":"NY","country":"USA","zip_code":125535506},"Governance":{"value":null,"501c3 determination":true,"501c determination":false,"Number of voting members":15,"Number of independent voting members":15,"Number of employees total":8,"Total Gross UBI":0,"Net unrelated business taxable income":null,"Number of employees":8,"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":1770196,"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":1765565,"Total revenue":{"value":1765565,"PARTICIPANT ACCOUNT FEES":1715565,"IMPLEMENTATION FEES":50000},"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":4531,"Investment income total":4531,"Net investment gain":0,"Income from invest bond proceeds":0},"Other revenues":{"value":100,"Other total":100,"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":1843978,"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":1097569,"Current officers":405524,"Disqualified persons":0,"Other salaries and wages":543785,"Pension plan contributions":59761,"Other employee benefits":33100,"Payroll taxes":55399},"Other expenses":{"value":746409,"Management services":58019,"Legal":159986,"Accounting":14500,"Lobbying services":0,"Investment management fees":0,"Other services":95492,"Advertising":64122,"Office expenses":34397,"Information technology":14803,"Royalties":0,"Occupancy":94732,"Travel":138739,"Conferences and meetings":1342,"Interest":0,"Payments to affiliates":0,"Depreciation and depletion":18408,"Insurance":20106,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":31763,"FILING FEES":9795,"BAD DEBTS":9128,"MISCELLANEOUS":8490,"DUES AND SUBSCRIPTIONS":4350},"All other expenses":0},"Functional Expenses":{"value":null,"Program Service Expenses":1763281,"Management And General Expenses":80697,"Fundraising Expenses":0}},"Assets":{"value":1765142,"Non-interest bearing cash":0,"Savings and temp cash investments":1503542,"Pledges and grants receivable":0,"Accounts receivable":142259,"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":36113,"Land, building, equipment":38139,"Investments publicly traded":0,"Investments other":0,"Investments program related":0,"Intangible assets":0,"Other assets":45089},"Liabilities":{"value":146976,"Sum of Total Liabilities":0,"Accounts payable, accrued":89629,"Grants payable":0,"Deferred, revenue":0,"Tax exempt bond liabilities":0,"Escrow account liability":0,"Loans from officers, directors":0,"Secured mortgages and notes payable":0,"Unsecured notes loans payable":0,"Other liabilities":57347},"Fund balance":{"value":1618166,"Net assets without donor restriction":0,"Net assets with donor restriction":0,"Unrestricted net assets":1618166,"Temporarily restricted net assets":0,"Permanently restricted net assets":0},"Ratings":{"Program Expense Ratio":{"score":0.9562375473026251,"percentile":0.8544198561220626},"Fundraising Efficiency":{"score":null,"percentile":null},"Operating Margin":{"score":-0.041680130335849816,"percentile":0.29854041807096},"Liabilities to Assets Ratio":{"score":0.08326582223979714,"percentile":0.34306998310481407},"Operating Reserve Ratio":{"score":0.9572467784322807,"percentile":0.4113006210871339},"Officer Compensation Ratio":{"score":0.4184637777674137,"percentile":0.1050266489609274},"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":0.62819348710857,"percentile":0.6851803151878566}},"source_xml":"201500869349300420_public.xml"},{"Organization":{"value":null,"Person":["DAVID ANDERSON","CARRIE ABILDGAARD","PAUL FRONSTIN","CHRISTINA R CUTLIP","RICHARD EKMAN","DANIEL T KONSTALID","MICHAEL S NOETZEL","TAMARA M SIMON","MITCH WEIN","TIMOTHY E LANE","ROGER L MONTGOMERY"],"Title":["CHAIR","SECRETARY","TREASURER","TRUSTEE","TRUSTEE","TRUSTEE","TRUSTEE","TRUSTEE","EX OFFICIO TRUSTEE","PRESIDENT & CEO","VP FOR FINANCE"],"Hours":[5.0,5.0,5.0,5.0,5.0,5.0,5.0,5.0,5.0,40.0,40.0],"Total Compensation":[0,0,5000,0,2500,0,5000,0,0,279180,275506],"Direct compensation":[0,0,5000,0,2500,0,5000,0,0,252100,240100],"Other compensation":[0,0,0,0,0,0,0,0,0,27080,35406]},"Basic":{"value":null,"mission":"The organization provides a tax-advantaged method of providing for retiree health benefits to employees of colleges, universities and other education-related tax exempt organizations.","year":2021,"name":"THE EMERITI CONSORTIUM FOR RETIREMENT HEALTH SOLUTIONS","phone":8455676666,"website":"WWW.EMERITIHEALTH.ORG","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"TIMOTHY E LANE","year_formation":2003,"state_legal_domicile":"IL","total_volunteers":0,"tax_period_begin":"2021-01-01T00:00:00","tax_period_end":"2021-12-31T00:00:00","address":"10800 BISCAYNE BOULEVARD SUITE 740, MIAMI, FL, 33161, USA","city":"MIAMI","state":"FL","country":"USA","zip_code":33161},"Governance":{"value":null,"501c3 determination":true,"501c determination":false,"Number of voting members":9,"Number of independent voting members":9,"Number of employees total":3,"Total Gross UBI":0,"Net unrelated business taxable income":0,"Number of employees":3,"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":2617256,"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":2615832,"Total revenue":2615832,"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":1424,"Investment income total":1424,"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":2528346,"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":732153,"Current officers":606622,"Disqualified persons":0,"Other salaries and wages":81541,"Pension plan contributions":6738,"Other employee benefits":7511,"Payroll taxes":29741},"Other expenses":{"value":1796193,"Management services":208145,"Legal":0,"Accounting":24000,"Lobbying services":0,"Investment management fees":0,"Other services":0,"Advertising":2935,"Office expenses":27641,"Information technology":12127,"Royalties":0,"Occupancy":14880,"Travel":55779,"Conferences and meetings":0,"Interest":0,"Payments to affiliates":0,"Depreciation and depletion":1138,"Insurance":29200,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":1420348,"RECORDKEEPING FEES":1419598,"MISCELLANEOUS":485,"PROVISION FOR BAD DEBTS":265},"All other expenses":0},"Functional Expenses":{"value":null,"Program Service Expenses":2414011,"Management And General Expenses":114335,"Fundraising Expenses":0}},"Assets":{"value":2211238,"Non-interest bearing cash":175927,"Savings and temp cash investments":1871152,"Pledges and grants receivable":0,"Accounts receivable":140732,"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":11362,"Land, building, equipment":4361,"Investments publicly traded":0,"Investments other":0,"Investments program related":0,"Intangible assets":0,"Other assets":7704},"Liabilities":{"value":160026,"Sum of Total Liabilities":0,"Accounts payable, accrued":152322,"Grants payable":0,"Deferred, revenue":0,"Tax exempt bond liabilities":0,"Escrow account liability":0,"Loans from officers, directors":0,"Secured mortgages and notes payable":0,"Unsecured notes loans payable":0,"Other liabilities":7704},"Fund balance":{"value":2051212,"Net assets without donor restriction":2051212,"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":0.9547787367709958,"percentile":0.8523386206729878},"Fundraising Efficiency":{"score":null,"percentile":null},"Operating Margin":{"score":0.033970692970041905,"percentile":0.48760719826995},"Liabilities to Assets Ratio":{"score":0.07236941478031764,"percentile":0.3560676823442849},"Operating Reserve Ratio":{"score":0.8745788748850039,"percentile":0.386614362748595},"Officer Compensation Ratio":{"score":0.2243308471229808,"percentile":0.27566449024124967},"Program Expense Growth":{"score":0.06435991200877689,"percentile":0.5816811639407335},"Revenue Growth":{"score":0.04651556561866723,"percentile":0.5914846391968758},"Asset Growth":{"score":0.006565235538096024,"percentile":0.347386626825467},"Independent Voting Board Pct":{"score":1.0,"percentile":0.9933392423419786},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.6439255861227569,"percentile":0.7264471541479922}},"source_xml":"202230849349300123_public.xml"},{"Organization":{"value":null,"Person":["DAVID ANDERSON","CARRIE ABILDGAARD","PAUL FRONSTIN","ROBERT BURKE","CRISTLE COLLINS-JUDD","RICHARD EKMAN","DANIEL T KONSTALID","MICHAEL S NOETZEL","TAMARA M SIMON","MICHAEL SIGMUND","TIMOTHY E LANE","ROGER MONTGOMERY"],"Title":["CHAIR","SECRETARY","TREASURER","TRUSTEE","TRUSTEE","TRUSTEE","TRUSTEE","TRUSTEE","TRUSTEE","TRUSTEE","PRESIDENT & CEO","VP FOR FINANCE"],"Hours":[5.0,5.0,5.0,5.0,5.0,5.0,5.0,5.0,5.0,5.0,40.0,40.0],"Total Compensation":[10000,0,10000,0,0,10000,0,10000,16250,0,310463,402787],"Direct compensation":[10000,0,10000,0,0,10000,0,10000,16250,0,262256,353339],"Other compensation":[0,0,0,0,0,0,0,0,0,0,48207,49448]},"Basic":{"value":null,"mission":"The organization provides a tax-advantaged method of providing for retiree health benefits to employees of colleges, universities and other education-related tax exempt organizations.","year":2024,"name":"THE EMERITI CONSORTIUM FOR RETIREMENT HEALTH SOLUTIONS","phone":8455676666,"website":"WWW.EMERITIHEALTH.ORG","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"TIMOTHY E LANE","year_formation":2003,"state_legal_domicile":"IL","total_volunteers":0,"tax_period_begin":"2024-01-01T00:00:00","tax_period_end":"2024-12-31T00:00:00","address":"10800 BISCAYNE BOULEVARD SUITE 740, MIAMI, FL, 33161, USA","city":"MIAMI","state":"FL","country":"USA","zip_code":33161},"Governance":{"value":null,"501c3 determination":true,"501c determination":false,"Number of voting members":10,"Number of independent voting members":10,"Number of employees total":3,"Total Gross UBI":0,"Net unrelated business taxable income":0,"Number of employees":3,"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":2860764,"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":2764806,"Total revenue":2764806,"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":95958,"Investment income total":95958,"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":3377602,"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":1027587,"Current officers":858184,"Disqualified persons":0,"Other salaries and wages":95966,"Pension plan contributions":9292,"Other employee benefits":27909,"Payroll taxes":36236},"Other expenses":{"value":2350015,"Management services":365300,"Legal":0,"Accounting":30336,"Lobbying services":0,"Investment management fees":0,"Other services":62700,"Advertising":4549,"Office expenses":61085,"Information technology":5050,"Royalties":0,"Occupancy":17742,"Travel":103972,"Conferences and meetings":0,"Interest":0,"Payments to affiliates":0,"Depreciation and depletion":2019,"Insurance":43776,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":1653486,"RECORDKEEPING FEES":1358522,"RECORDKEEPING TRANSITIO":294012,"MISCELLANEOUS":527,"CREDIT LOSS EXPENSE":425},"All other expenses":0},"Functional Expenses":{"value":null,"Program Service Expenses":3206981,"Management And General Expenses":170621,"Fundraising Expenses":0}},"Assets":{"value":2354005,"Non-interest bearing cash":784265,"Savings and temp cash investments":1228136,"Pledges and grants receivable":0,"Accounts receivable":231228,"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":73798,"Land, building, equipment":4177,"Investments publicly traded":0,"Investments other":0,"Investments program related":0,"Intangible assets":0,"Other assets":32401},"Liabilities":{"value":430345,"Sum of Total Liabilities":0,"Accounts payable, accrued":397862,"Grants payable":0,"Deferred, revenue":0,"Tax exempt bond liabilities":0,"Escrow account liability":0,"Loans from officers, directors":0,"Secured mortgages and notes payable":0,"Unsecured notes loans payable":0,"Other liabilities":32483},"Fund balance":{"value":1923660,"Net assets without donor restriction":1923660,"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":0.9494845751512464,"percentile":0.8445520127605068},"Fundraising Efficiency":{"score":null,"percentile":null},"Operating Margin":{"score":-0.18066432603318555,"percentile":0.16169429465428653},"Liabilities to Assets Ratio":{"score":0.18281397023370807,"percentile":0.26149683809299074},"Operating Reserve Ratio":{"score":0.6969456436844839,"percentile":0.3273510945971098},"Officer Compensation Ratio":{"score":0.22782435585957136,"percentile":0.27066777954303367},"Program Expense Growth":{"score":0.051911086665474344,"percentile":0.538512820468877},"Revenue Growth":{"score":0.04178316704517541,"percentile":0.5704848830480331},"Asset Growth":{"score":0.007623016849380809,"percentile":0.35180147509256826},"Independent Voting Board Pct":{"score":1.0,"percentile":0.9933392423419786},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.5722020293435819,"percentile":0.5234419043501268}},"source_xml":"202522679349301222_public.xml"},{"Organization":{"value":null,"Person":["DAVID ANDERSON","CARRIE ABILDGAARD","PAUL FRONSTIN","CHRISTINA R CUTLIP","RICHARD EKMAN","ALI IQBAL","DANIEL T KONSTALID","MICHAEL S NOETZEL","TAMARA M SIMON","ANUP VIDWANS","TIMOTHY E LANE","ROGER L MONTGOMERY","DEBRA ONDO"],"Title":["CHAIR","SECRETARY","TREASURER","TRUSTEE","TRUSTEE","TRUSTEE","TRUSTEE","TRUSTEE","TRUSTEE","TRUSTEE","PRESIDENT &","VP FOR FINAN","VP OF COMMUN"],"Hours":[5.0,5.0,5.0,5.0,5.0,5.0,5.0,5.0,5.0,5.0,40.0,40.0,40.0],"Total Compensation":[0,0,3750,0,3750,0,0,5000,0,0,0,254582,289712],"Direct compensation":[0,0,3750,0,3750,0,0,5000,0,0,0,224299,269084],"Other compensation":[0,0,0,0,0,0,0,0,0,0,0,30283,20628]},"Basic":{"value":null,"mission":"The organization provides a tax-advantaged method of providing for retiree health benefits to employees of colleges, universities and other education -related tax exempt organizations.","year":2019,"name":"THE EMERITI CONSORTIUM FOR RETIREMENT HEALTH SOLUTIONS","phone":8455676666,"website":"WWW.EMERITIHEALTH.ORG","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"TIMOTHY E LANE","year_formation":2003,"state_legal_domicile":"IL","total_volunteers":null,"tax_period_begin":"2019-01-01T00:00:00","tax_period_end":"2019-12-31T00:00:00","address":"10800 BISCAYNE BOULEVARD SUITE 740, MIAMI, FL, 33161, USA","city":"MIAMI","state":"FL","country":"USA","zip_code":33161},"Governance":{"value":null,"501c3 determination":true,"501c determination":false,"Number of voting members":10,"Number of independent voting members":10,"Number of employees total":4,"Total Gross UBI":0,"Net unrelated business taxable income":null,"Number of employees":4,"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":2503372,"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":2469278,"Total revenue":2469278,"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":34094,"Investment income total":37302,"Net investment gain":-3208,"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":2634532,"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":683602,"Current officers":281246,"Disqualified persons":0,"Other salaries and wages":329115,"Pension plan contributions":26024,"Other employee benefits":16447,"Payroll taxes":30770},"Other expenses":{"value":1950930,"Management services":269847,"Legal":150380,"Accounting":20770,"Lobbying services":0,"Investment management fees":0,"Other services":22668,"Advertising":876,"Office expenses":29231,"Information technology":9443,"Royalties":0,"Occupancy":6200,"Travel":80906,"Conferences and meetings":0,"Interest":0,"Payments to affiliates":0,"Depreciation and depletion":2726,"Insurance":21947,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":1335936,"RECORDKEEPING FEES":1327477,"PROVISION FOR BAD DEBTS":6090,"MISCELLANEOUS":2369},"All other expenses":0},"Functional Expenses":{"value":null,"Program Service Expenses":2556786,"Management And General Expenses":77746,"Fundraising Expenses":0}},"Assets":{"value":2131765,"Non-interest bearing cash":0,"Savings and temp cash investments":1959769,"Pledges and grants receivable":0,"Accounts receivable":148673,"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":6949,"Land, building, equipment":1067,"Investments publicly traded":0,"Investments other":0,"Investments program related":0,"Intangible assets":0,"Other assets":15307},"Liabilities":{"value":220463,"Sum of Total Liabilities":0,"Accounts payable, accrued":205156,"Grants payable":0,"Deferred, revenue":0,"Tax exempt bond liabilities":0,"Escrow account liability":0,"Loans from officers, directors":0,"Secured mortgages and notes payable":0,"Unsecured notes loans payable":0,"Other liabilities":15307},"Fund balance":{"value":1911302,"Net assets without donor restriction":1911302,"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":0.9704896353507948,"percentile":0.8751589021452797},"Fundraising Efficiency":{"score":null,"percentile":null},"Operating Margin":{"score":-0.05239333187396839,"percentile":0.281644876300243},"Liabilities to Assets Ratio":{"score":0.10341805968293878,"percentile":0.3222277392405852},"Operating Reserve Ratio":{"score":0.8091626899957943,"percentile":0.3658919227954721},"Officer Compensation Ratio":{"score":0.2113445575912534,"percentile":0.29553900350028595},"Program Expense Growth":{"score":0.10256758471791623,"percentile":0.6805341212218328},"Revenue Growth":{"score":0.056236157507277944,"percentile":0.6316811647518331},"Asset Growth":{"score":0.03766922199857411,"percentile":0.4778120721862877},"Independent Voting Board Pct":{"score":1.0,"percentile":0.9933392423419786},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.6358129401486181,"percentile":0.7056149498948381}},"source_xml":"202031969349304908_public.xml"},{"Organization":{"value":null,"Person":["DAVID ANDERSON","CARRIE ABILDGAARD","PAUL FRONSTIN","ROBERT BURKE","CRISTLE COLLINS-JUDD","RICHARD EKMAN","DANIEL T KONSTALID","MICHAEL S NOETZEL","TAMARA M SIMON","TIMOTHY E LANE","ROGER L MONTGOMERY"],"Title":["CHAIR","SECRETARY","TREASURER","TRUSTEE","TRUSTEE","TRUSTEE","TRUSTEE","TRUSTEE","TRUSTEE","PRESIDENT & CEO","VP FOR FINANCE"],"Hours":[5.0,5.0,5.0,5.0,5.0,5.0,5.0,5.0,5.0,40.0,40.0],"Total Compensation":[6250,0,6250,5000,0,6250,0,6250,0,386734,326870],"Direct compensation":[6250,0,6250,5000,0,6250,0,6250,0,359600,279922],"Other compensation":[0,0,0,0,0,0,0,0,0,27134,46948]},"Basic":{"value":null,"mission":"The organization provides a tax-advantaged method of providing for retiree health benefits to employees of colleges, universities and other education-related tax exempt organizations.","year":2023,"name":"THE EMERITI CONSORTIUM FOR RETIREMENT HEALTH SOLUTIONS","phone":8455676666,"website":"WWW.EMERITIHEALTH.ORG","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"TIMOTHY E LANE","year_formation":2003,"state_legal_domicile":"IL","total_volunteers":0,"tax_period_begin":"2023-01-01T00:00:00","tax_period_end":"2023-12-31T00:00:00","address":"10800 BISCAYNE BOULEVARD SUITE 740, MIAMI, FL, 33161, USA","city":"MIAMI","state":"FL","country":"USA","zip_code":33161},"Governance":{"value":null,"501c3 determination":true,"501c determination":false,"Number of voting members":9,"Number of independent voting members":9,"Number of employees total":3,"Total Gross UBI":0,"Net unrelated business taxable income":0,"Number of employees":3,"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":2993467,"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":2904270,"Total revenue":2904270,"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":89197,"Investment income total":89197,"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":2799544,"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":918386,"Current officers":743604,"Disqualified persons":0,"Other salaries and wages":83816,"Pension plan contributions":8707,"Other employee benefits":47398,"Payroll taxes":34861},"Other expenses":{"value":1881158,"Management services":253313,"Legal":0,"Accounting":25997,"Lobbying services":0,"Investment management fees":0,"Other services":121350,"Advertising":7020,"Office expenses":40774,"Information technology":14950,"Royalties":0,"Occupancy":15750,"Travel":74690,"Conferences and meetings":0,"Interest":0,"Payments to affiliates":0,"Depreciation and depletion":1432,"Insurance":30772,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":1295110,"RECORDKEEPING FEES":1294479,"MISCELLANEOUS":512,"CREDIT LOSS EXPENSE":119},"All other expenses":0},"Functional Expenses":{"value":null,"Program Service Expenses":2638344,"Management And General Expenses":161200,"Fundraising Expenses":0}},"Assets":{"value":2720796,"Non-interest bearing cash":313158,"Savings and temp cash investments":2172677,"Pledges and grants receivable":0,"Accounts receivable":199134,"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":24597,"Land, building, equipment":6196,"Investments publicly traded":0,"Investments other":0,"Investments program related":0,"Intangible assets":0,"Other assets":5034},"Liabilities":{"value":280147,"Sum of Total Liabilities":0,"Accounts payable, accrued":275113,"Grants payable":0,"Deferred, revenue":0,"Tax exempt bond liabilities":0,"Escrow account liability":0,"Loans from officers, directors":0,"Secured mortgages and notes payable":0,"Unsecured notes loans payable":0,"Other liabilities":5034},"Fund balance":{"value":2440649,"Net assets without donor restriction":2440649,"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":0.9424191939830201,"percentile":0.8344690775216904},"Fundraising Efficiency":{"score":null,"percentile":null},"Operating Margin":{"score":0.06478207376263043,"percentile":0.5567042392624421},"Liabilities to Assets Ratio":{"score":0.10296508815802434,"percentile":0.32264909469006103},"Operating Reserve Ratio":{"score":0.9718711332988516,"percentile":0.4155421128926356},"Officer Compensation Ratio":{"score":0.26561611462438167,"percentile":0.22250038704850242},"Program Expense Growth":{"score":0.04792469481334622,"percentile":0.5235124048736891},"Revenue Growth":{"score":0.04520463066368553,"percentile":0.5857884329441514},"Asset Growth":{"score":0.011358059526117766,"percentile":0.36737638242617315},"Independent Voting Board Pct":{"score":1.0,"percentile":0.9933392423419786},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.6414159624549967,"percentile":0.7200288457904125}},"source_xml":"202401029349300640_public.xml"},{"Organization":{"value":null,"Person":["DAVID ANDERSON","MARY PATTERSON MCPHERSON","CARRIE ABILDGAARD","JOHN H BIGGS","CHRISTINA R CUTLIP","PAUL FRONSTIN","PAUL J MASON","MICHAEL S NOETZEL","TAMARA M SIMON","ANUP VIDWANS","THOMAS E WHITE III","DANIEL T KONSTALID","TIMOTHY E LANE","ROGER L MONTGOMERY","DEBRA ONDO","CHRISTINE E FENDLEY"],"Title":["CHAIR","VICE CHAIR","SECRETARY","TRUSTEE","TRUSTEE","TRUSTEE","TRUSTEE","TRUSTEE","TRUSTEE","TRUSTEE","TRUSTEE","EX OFFICIO T","PRESIDENT &","VP FOR FINAN","VP OF COMMUN","VP CLIENT RE"],"Hours":[5.0,5.0,5.0,5.0,5.0,5.0,5.0,5.0,5.0,5.0,5.0,5.0,40.0,40.0,40.0,40.0],"Total Compensation":[0,0,0,0,0,5000,5000,2500,2500,0,0,0,0,234619,175899,137196],"Direct compensation":[0,0,0,0,0,5000,5000,2500,2500,0,0,0,0,207620,153100,117697],"Other compensation":[0,0,0,0,0,0,0,0,0,0,0,0,0,26999,22799,19499]},"Basic":{"value":null,"mission":"The organization provides a tax-advantaged method of providing for retiree health benefits to employees of colleges, universities and other education -related tax exempt organizations.","year":2017,"name":"THE EMERITI CONSORTIUM FOR RETIREMENT HEALTH SOLUTIONS","phone":8455676666,"website":"WWW.EMERITIHEALTH.ORG","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"TIMOTHY E LANE","year_formation":2003,"state_legal_domicile":"IL","total_volunteers":null,"tax_period_begin":"2017-01-01T00:00:00","tax_period_end":"2017-12-31T00:00:00","address":"103 EXECUTIVE DRIVE, NEW WINDSOR, NY, 125535506, USA","city":"NEW WINDSOR","state":"NY","country":"USA","zip_code":125535506},"Governance":{"value":null,"501c3 determination":true,"501c determination":false,"Number of voting members":11,"Number of independent voting members":11,"Number of employees total":5,"Total Gross UBI":0,"Net unrelated business taxable income":null,"Number of employees":5,"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":2223726,"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":2200144,"Total revenue":2200144,"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":23582,"Investment income total":23582,"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":2931946,"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":837266,"Current officers":262357,"Disqualified persons":0,"Other salaries and wages":441541,"Pension plan contributions":46134,"Other employee benefits":43890,"Payroll taxes":43344},"Other expenses":{"value":2094680,"Management services":396500,"Legal":144000,"Accounting":26570,"Lobbying services":0,"Investment management fees":0,"Other services":80673,"Advertising":14087,"Office expenses":48112,"Information technology":14026,"Royalties":0,"Occupancy":55873,"Travel":132493,"Conferences and meetings":7248,"Interest":0,"Payments to affiliates":0,"Depreciation and depletion":11748,"Insurance":21396,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":1141954,"ACCUM RECORDKEEPING FEES":1102452,"PROVISION FOR BAD DEBTS":29680,"MISCELLANEOUS":8441,"FILING FEES":1381},"All other expenses":0},"Functional Expenses":{"value":null,"Program Service Expenses":2847244,"Management And General Expenses":84702,"Fundraising Expenses":0}},"Assets":{"value":3012902,"Non-interest bearing cash":0,"Savings and temp cash investments":2829664,"Pledges and grants receivable":0,"Accounts receivable":95117,"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":22763,"Land, building, equipment":37827,"Investments publicly traded":0,"Investments other":0,"Investments program related":0,"Intangible assets":0,"Other assets":27531},"Liabilities":{"value":347049,"Sum of Total Liabilities":0,"Accounts payable, accrued":308722,"Grants payable":0,"Deferred, revenue":0,"Tax exempt bond liabilities":0,"Escrow account liability":0,"Loans from officers, directors":0,"Secured mortgages and notes payable":0,"Unsecured notes loans payable":0,"Other liabilities":38327},"Fund balance":{"value":2665853,"Net assets without donor restriction":0,"Net assets with donor restriction":0,"Unrestricted net assets":2665853,"Temporarily restricted net assets":0,"Permanently restricted net assets":0},"Ratings":{"Program Expense Ratio":{"score":0.971110654834707,"percentile":0.876099627012962},"Fundraising Efficiency":{"score":null,"percentile":null},"Operating Margin":{"score":-0.3184834822275766,"percentile":0.10797466066151871},"Liabilities to Assets Ratio":{"score":0.1151876164574885,"percentile":0.31143882746426366},"Operating Reserve Ratio":{"score":1.0276116954405026,"percentile":0.43145296153657275},"Officer Compensation Ratio":{"score":0.19192509002553254,"percentile":0.3278811182356254},"Program Expense Growth":{"score":0.1053474497808488,"percentile":0.6860786751682304},"Revenue Growth":{"score":0.0853149992879899,"percentile":0.7274858329756756},"Asset Growth":{"score":0.16508851555361542,"percentile":0.8044629021816869},"Independent Voting Board Pct":{"score":1.0,"percentile":0.9933392423419786},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.6392481971579904,"percentile":0.7144848704589228}},"source_xml":"201823169349301392_public.xml"},{"Organization":{"value":null,"Person":["DAVID ANDERSON","CARRIE ABILDGAARD","PAUL FRONSTIN","CHRISTINA R CUTLIP","RICHARD EKMAN","ALI IQBAL","DANIEL T KONSTALID","MICHAEL S NOETZEL","TAMARA M SIMON","MITCH WEIN","TIMOTHY E LANE","ROGER L MONTGOMERY"],"Title":["CHAIR","SECRETARY","TREASURER","TRUSTEE","TRUSTEE","TRUSTEE","TRUSTEE","TRUSTEE","TRUSTEE","EX OFFICIO TRUSTEE","PRESIDENT & CEO","VP FOR FINANCE"],"Hours":[5.0,5.0,5.0,5.0,5.0,5.0,5.0,5.0,5.0,5.0,40.0,40.0],"Total Compensation":[0,0,5000,0,0,0,0,5000,10000,0,42417,267882],"Direct compensation":[0,0,5000,0,0,0,0,5000,10000,0,42417,233799],"Other compensation":[0,0,0,0,0,0,0,0,0,0,0,34083]},"Basic":{"value":null,"mission":"The organization provides a tax-advantaged method of providing for retiree health benefits to employees of colleges, universities and other education-related tax exempt organizations.","year":2020,"name":"THE EMERITI CONSORTIUM FOR RETIREMENT HEALTH SOLUTIONS","phone":8455676666,"website":"WWW.EMERITIHEALTH.ORG","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"TIMOTHY E LANE","year_formation":2003,"state_legal_domicile":"IL","total_volunteers":0,"tax_period_begin":"2020-01-01T00:00:00","tax_period_end":"2020-12-31T00:00:00","address":"10800 BISCAYNE BOULEVARD SUITE 740, MIAMI, FL, 33161, USA","city":"MIAMI","state":"FL","country":"USA","zip_code":33161},"Governance":{"value":null,"501c3 determination":true,"501c determination":false,"Number of voting members":10,"Number of independent voting members":10,"Number of employees total":3,"Total Gross UBI":0,"Net unrelated business taxable income":0,"Number of employees":3,"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":2573626,"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":2564401,"Total revenue":2564401,"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":9225,"Investment income total":9497,"Net investment gain":-272,"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":2520945,"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":411185,"Current officers":335616,"Disqualified persons":0,"Other salaries and wages":46119,"Pension plan contributions":1604,"Other employee benefits":9038,"Payroll taxes":18808},"Other expenses":{"value":2109760,"Management services":279800,"Legal":0,"Accounting":22500,"Lobbying services":0,"Investment management fees":0,"Other services":95,"Advertising":0,"Office expenses":25568,"Information technology":5887,"Royalties":0,"Occupancy":14520,"Travel":14195,"Conferences and meetings":0,"Interest":0,"Payments to affiliates":0,"Depreciation and depletion":985,"Insurance":24703,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":1721507,"RECORDKEEPING FEES":1720720,"MISCELLANEOUS":787},"All other expenses":0},"Functional Expenses":{"value":null,"Program Service Expenses":2429751,"Management And General Expenses":91194,"Fundraising Expenses":0}},"Assets":{"value":2195586,"Non-interest bearing cash":0,"Savings and temp cash investments":2057262,"Pledges and grants receivable":0,"Accounts receivable":108598,"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":12572,"Land, building, equipment":5499,"Investments publicly traded":0,"Investments other":0,"Investments program related":0,"Intangible assets":0,"Other assets":11655},"Liabilities":{"value":232547,"Sum of Total Liabilities":0,"Accounts payable, accrued":220892,"Grants payable":0,"Deferred, revenue":0,"Tax exempt bond liabilities":0,"Escrow account liability":0,"Loans from officers, directors":0,"Secured mortgages and notes payable":0,"Unsecured notes loans payable":0,"Other liabilities":11655},"Fund balance":{"value":1963039,"Net assets without donor restriction":1963039,"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":0.9638254702105757,"percentile":0.8653144208228272},"Fundraising Efficiency":{"score":null,"percentile":null},"Operating Margin":{"score":0.020469563176623178,"percentile":0.45351305842505696},"Liabilities to Assets Ratio":{"score":0.10591568720150338,"percentile":0.31987372036582745},"Operating Reserve Ratio":{"score":0.8709376840827546,"percentile":0.3854860871268056},"Officer Compensation Ratio":{"score":0.13102189853408147,"percentile":0.45920704140124746},"Program Expense Growth":{"score":0.08050677925531009,"percentile":0.6290410205304023},"Revenue Growth":{"score":0.05126734892944601,"percentile":0.6115969003186303},"Asset Growth":{"score":0.017051582253955987,"percentile":0.3914086665823714},"Independent Voting Board Pct":{"score":1.0,"percentile":0.9933392423419786},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.6594666008730523,"percentile":0.7645144381940343}},"source_xml":"202101059349301885_public.xml"},{"Organization":{"value":null,"Person":["ALAN J NORTON","TIMOTHY E LANE","TIMOTHY A HULTQUIST","MARY PATTERSON MCPHERSON","DAVID ANDERSON","CARRIE ABILDGAARD","JOHN H BIGGS","SUSAN DENTZER","PAUL FRONSTIN","PAUL J MASON","MICHAEL S NOETZEL","STEPHEN PARENTE","MARK V PAULY","OTHA T SPRIGGS","SETH PATTON","ROGER L MONTGOMERY","DEBRA ONDO"],"Title":["PRESIDENT (J","PRESIDENT (M","CHAIR","VICE CHAIR","SECRETARY","TRUSTEE","TRUSTEE","TRUSTEE","TRUSTEE","TRUSTEE","TRUSTEE","TRUSTEE","TRUSTEE","TRUSTEE","EX OFFICIO T","VP FOR FINAN","VP OF COMMUN"],"Hours":[40.0,40.0,5.0,5.0,5.0,5.0,5.0,5.0,5.0,5.0,5.0,5.0,5.0,5.0,5.0,40.0,40.0],"Total Compensation":[0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,195865,145988],"Direct compensation":[0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,172796,127000],"Other compensation":[0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,23069,18988]},"Basic":{"value":null,"mission":"The organization provides a tax-advantaged method of providing for retiree health benefits to employees of colleges, universities and other education -related tax exempt organizations.","year":2015,"name":"THE EMERITI CONSORTIUM FOR RETIREMENT HEALTH SOLUTIONS","phone":8455676666,"website":"WWW.EMERITIHEALTH.ORG","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"TIMOTHY E LANE","year_formation":2003,"state_legal_domicile":"IL","total_volunteers":null,"tax_period_begin":"2015-01-01T00:00:00","tax_period_end":"2015-12-31T00:00:00","address":"103 EXECUTIVE DRIVE, NEW WINDSOR, NY, 125535506, USA","city":"NEW WINDSOR","state":"NY","country":"USA","zip_code":125535506},"Governance":{"value":null,"501c3 determination":true,"501c determination":false,"Number of voting members":12,"Number of independent voting members":12,"Number of employees total":5,"Total Gross UBI":0,"Net unrelated business taxable income":null,"Number of employees":5,"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":2303224,"Contributions":{"value":500000,"Other contributions":500000,"Contributions from gifts and grants":0,"Fundraising revenue":0,"Dues":0,"Campaigns":0,"Grant revenue":0,"Related organizations":0},"Program revenue":{"value":1817469,"Total revenue":{"value":1817469,"PARTICIPANT ACCOUNT FEES":1792469,"IMPLEMENTATION FEES":25000},"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":-14245,"Investment income total":2498,"Net investment gain":-16743,"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":1507379,"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":679678,"Current officers":202433,"Disqualified persons":0,"Other salaries and wages":367712,"Pension plan contributions":41468,"Other employee benefits":30941,"Payroll taxes":37124},"Other expenses":{"value":827701,"Management services":195087,"Legal":182149,"Accounting":16600,"Lobbying services":0,"Investment management fees":0,"Other services":81947,"Advertising":27843,"Office expenses":36201,"Information technology":21325,"Royalties":0,"Occupancy":83110,"Travel":111711,"Conferences and meetings":9094,"Interest":0,"Payments to affiliates":0,"Depreciation and depletion":12418,"Insurance":20286,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":29930,"FILING FEES":13095,"BAD DEBTS":11651,"MISCELLANEOUS":3801,"DUES AND SUBSCRIPTIONS":1383},"All other expenses":0},"Functional Expenses":{"value":null,"Program Service Expenses":1440126,"Management And General Expenses":67253,"Fundraising Expenses":0}},"Assets":{"value":2509705,"Non-interest bearing cash":0,"Savings and temp cash investments":2304989,"Pledges and grants receivable":0,"Accounts receivable":88583,"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":34844,"Land, building, equipment":39537,"Investments publicly traded":0,"Investments other":0,"Investments program related":0,"Intangible assets":0,"Other assets":41752},"Liabilities":{"value":97833,"Sum of Total Liabilities":0,"Accounts payable, accrued":50342,"Grants payable":0,"Deferred, revenue":0,"Tax exempt bond liabilities":0,"Escrow account liability":0,"Loans from officers, directors":0,"Secured mortgages and notes payable":0,"Unsecured notes loans payable":0,"Other liabilities":47491},"Fund balance":{"value":2411872,"Net assets without donor restriction":0,"Net assets with donor restriction":0,"Unrestricted net assets":2411872,"Temporarily restricted net assets":0,"Permanently restricted net assets":0},"Ratings":{"Program Expense Ratio":{"score":0.9553841469199186,"percentile":0.8531852931935907},"Fundraising Efficiency":{"score":null,"percentile":null},"Operating Margin":{"score":0.3455352149856028,"percentile":0.8605119674631253},"Liabilities to Assets Ratio":{"score":0.038981872371454014,"percentile":0.40886227064088637},"Operating Reserve Ratio":{"score":1.6649462411244949,"percentile":0.5671257304841966},"Officer Compensation Ratio":{"score":0.22678636228844903,"percentile":0.27215004100027984},"Program Expense Growth":{"score":-0.08609805419731173,"percentile":0.15357056249309126},"Revenue Growth":{"score":0.1601837403820953,"percentile":0.8602646079021773},"Asset Growth":{"score":0.1729929786370458,"percentile":0.8151171895917576},"Independent Voting Board Pct":{"score":1.0,"percentile":0.9933392423419786},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.7213865020546049,"percentile":0.8816720639199037}},"source_xml":"201620899349300222_public.xml"},{"Organization":{"value":null,"Person":["DAVID ANDERSON","MARY PATTERSON MCPHERSON","CARRIE ABILDGAARD","PAUL FRONSTIN","CHRISTINA R CUTLIP","RICHARD EKMAN","MICHAEL S NOETZEL","TAMARA M SIMON","ANUP VIDWANS","THOMAS E WHITE III","DANIEL T KONSTALID","TIMOTHY E LANE","ROGER L MONTGOMERY","DEBRA ONDO","CHRISTINE E FENDLEY"],"Title":["CHAIR","VICE CHAIR","SECRETARY","TREASURER","TRUSTEE","TRUSTEE","TRUSTEE","TRUSTEE","TRUSTEE","TRUSTEE","EX OFFICIO T","PRESIDENT &","VP FOR FINAN","VP OF COMMUN","VP CLIENT RE"],"Hours":[5.0,5.0,5.0,5.0,5.0,5.0,5.0,5.0,5.0,5.0,5.0,40.0,40.0,40.0,40.0],"Total Compensation":[0,0,0,5000,0,3750,3750,10000,0,0,0,0,242087,183989,144970],"Direct compensation":[0,0,0,5000,0,3750,3750,10000,0,0,0,0,213299,159201,123432],"Other compensation":[0,0,0,0,0,0,0,0,0,0,0,0,28788,24788,21538]},"Basic":{"value":null,"mission":"The organization provides a tax-advantaged method of providing for retiree health benefits to employees of colleges, universities and other education -related tax exempt organizations.","year":2018,"name":"THE EMERITI CONSORTIUM FOR RETIREMENT HEALTH SOLUTIONS","phone":8455676666,"website":"WWW.EMERITIHEALTH.ORG","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"TIMOTHY E LANE","year_formation":2003,"state_legal_domicile":"IL","total_volunteers":null,"tax_period_begin":"2018-01-01T00:00:00","tax_period_end":"2018-12-31T00:00:00","address":"367 WINDSOR HIGHWAY SUITE 454, NEW WINDSOR, NY, 12553, USA","city":"NEW WINDSOR","state":"NY","country":"USA","zip_code":12553},"Governance":{"value":null,"501c3 determination":true,"501c determination":false,"Number of voting members":11,"Number of independent voting members":11,"Number of employees total":5,"Total Gross UBI":0,"Net unrelated business taxable income":null,"Number of employees":5,"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":2305311,"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":2291142,"Total revenue":{"value":2291142,"PARTICIPANT ACCOUNT FEES":2276142,"IMPLEMENTATION FEES":15000},"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":14169,"Investment income total":37181,"Net investment gain":-23012,"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":2875662,"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":761410,"Current officers":274939,"Disqualified persons":0,"Other salaries and wages":364190,"Pension plan contributions":35930,"Other employee benefits":45088,"Payroll taxes":41263},"Other expenses":{"value":2114252,"Management services":396500,"Legal":147748,"Accounting":30200,"Lobbying services":0,"Investment management fees":0,"Other services":62242,"Advertising":20651,"Office expenses":36324,"Information technology":8718,"Royalties":0,"Occupancy":30626,"Travel":192295,"Conferences and meetings":0,"Interest":0,"Payments to affiliates":0,"Depreciation and depletion":7815,"Insurance":22177,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":1158956,"RECORDKEEPING FEES":1162761,"MISCELLANEOUS":2891,"FILING FEES":214,"PROVISION FOR BAD DEBTS":-6910},"All other expenses":0},"Functional Expenses":{"value":null,"Program Service Expenses":2802357,"Management And General Expenses":73305,"Fundraising Expenses":0}},"Assets":{"value":2313637,"Non-interest bearing cash":0,"Savings and temp cash investments":2188108,"Pledges and grants receivable":0,"Accounts receivable":89613,"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":16903,"Land, building, equipment":7001,"Investments publicly traded":0,"Investments other":0,"Investments program related":0,"Intangible assets":0,"Other assets":12012},"Liabilities":{"value":272292,"Sum of Total Liabilities":0,"Accounts payable, accrued":260280,"Grants payable":0,"Deferred, revenue":0,"Tax exempt bond liabilities":0,"Escrow account liability":0,"Loans from officers, directors":0,"Secured mortgages and notes payable":0,"Unsecured notes loans payable":0,"Other liabilities":12012},"Fund balance":{"value":2041345,"Net assets without donor restriction":0,"Net assets with donor restriction":0,"Unrestricted net assets":2041345,"Temporarily restricted net assets":0,"Permanently restricted net assets":0},"Ratings":{"Program Expense Ratio":{"score":0.9745084783955833,"percentile":0.8812453175223349},"Fundraising Efficiency":{"score":null,"percentile":null},"Operating Margin":{"score":-0.24740739969574604,"percentile":0.13060687279522462},"Liabilities to Assets Ratio":{"score":0.11769002656855851,"percentile":0.3092406916702309},"Operating Reserve Ratio":{"score":0.8045580461125126,"percentile":0.3643637085285956},"Officer Compensation Ratio":{"score":0.20640325601548443,"percentile":0.30350463261649185},"Program Expense Growth":{"score":0.1234751188915784,"percentile":0.7181292046879137},"Revenue Growth":{"score":0.062117796334183295,"percentile":0.6539239738723703},"Asset Growth":{"score":0.08361367505830294,"percentile":0.6392202369220599},"Independent Voting Board Pct":{"score":1.0,"percentile":0.9933392423419786},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.6270882323658398,"percentile":0.6821639462417178}},"source_xml":"201902039349301900_public.xml"},{"Organization":{"value":null,"Person":["DAVID ANDERSON","CARRIE ABILDGAARD","PAUL FRONSTIN","CHRISTINA R CUTLIP","RICHARD EKMAN","DANIEL T KONSTALID","MICHAEL S NOETZEL","TAMARA M SIMON","MITCH WEIN","TIMOTHY E LANE","ROGER L MONTGOMERY"],"Title":["CHAIR","SECRETARY","TREASURER","TRUSTEE","TRUSTEE","TRUSTEE","TRUSTEE","TRUSTEE","EX OFFICIO TRUSTEE","PRESIDENT & CEO","VP FOR FINANCE"],"Hours":[5.0,5.0,5.0,5.0,5.0,5.0,5.0,5.0,5.0,40.0,40.0],"Total Compensation":[0,0,5000,0,5000,0,5000,10000,0,469242,299535],"Direct compensation":[0,0,5000,0,5000,0,5000,10000,0,442100,262500],"Other compensation":[0,0,0,0,0,0,0,0,0,27142,37035]},"Basic":{"value":null,"mission":"The organization provides a tax-advantaged method of providing for retiree health benefits to employees of colleges, universities and other education-related tax exempt organizations.","year":2022,"name":"THE EMERITI CONSORTIUM FOR RETIREMENT HEALTH SOLUTIONS","phone":8455676666,"website":"WWW.EMERITIHEALTH.ORG","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"TIMOTHY E LANE","year_formation":2003,"state_legal_domicile":"IL","total_volunteers":0,"tax_period_begin":"2022-01-01T00:00:00","tax_period_end":"2022-12-31T00:00:00","address":"10800 BISCAYNE BOULEVARD SUITE 740, MIAMI, FL, 33161, USA","city":"MIAMI","state":"FL","country":"USA","zip_code":33161},"Governance":{"value":null,"501c3 determination":true,"501c determination":false,"Number of voting members":9,"Number of independent voting members":9,"Number of employees total":3,"Total Gross UBI":0,"Net unrelated business taxable income":0,"Number of employees":3,"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":2751255,"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":2724226,"Total revenue":2724226,"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":27029,"Investment income total":27029,"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":2554936,"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":945253,"Current officers":833934,"Disqualified persons":0,"Other salaries and wages":63613,"Pension plan contributions":8180,"Other employee benefits":5810,"Payroll taxes":33716},"Other expenses":{"value":1609683,"Management services":209750,"Legal":0,"Accounting":27372,"Lobbying services":0,"Investment management fees":0,"Other services":133902,"Advertising":5194,"Office expenses":27976,"Information technology":1475,"Royalties":0,"Occupancy":15202,"Travel":51558,"Conferences and meetings":0,"Interest":0,"Payments to affiliates":0,"Depreciation and depletion":1138,"Insurance":32161,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":1103955,"RECORDKEEPING FEES":1103200,"PROVISION FOR BAD DEBTS":755},"All other expenses":0},"Functional Expenses":{"value":null,"Program Service Expenses":2409860,"Management And General Expenses":145076,"Fundraising Expenses":0}},"Assets":{"value":2489116,"Non-interest bearing cash":162841,"Savings and temp cash investments":2175961,"Pledges and grants receivable":0,"Accounts receivable":129188,"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":12571,"Land, building, equipment":3223,"Investments publicly traded":0,"Investments other":0,"Investments program related":0,"Intangible assets":0,"Other assets":5332},"Liabilities":{"value":243027,"Sum of Total Liabilities":0,"Accounts payable, accrued":237695,"Grants payable":0,"Deferred, revenue":0,"Tax exempt bond liabilities":0,"Escrow account liability":0,"Loans from officers, directors":0,"Secured mortgages and notes payable":0,"Unsecured notes loans payable":0,"Other liabilities":5332},"Fund balance":{"value":2246089,"Net assets without donor restriction":2246089,"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":0.9432173643488526,"percentile":0.8355878372390904},"Fundraising Efficiency":{"score":null,"percentile":null},"Operating Margin":{"score":0.07135616291474255,"percentile":0.5700503334332652},"Liabilities to Assets Ratio":{"score":0.09763586751280375,"percentile":0.32788561909958985},"Operating Reserve Ratio":{"score":0.9742381022460054,"percentile":0.41623872153822183},"Officer Compensation Ratio":{"score":0.31068371184248844,"percentile":0.17725307404420998},"Program Expense Growth":{"score":0.05251923214800665,"percentile":0.5407206163490863},"Revenue Growth":{"score":0.044335113381699605,"percentile":0.58198732253949},"Asset Growth":{"score":0.0071121607513324105,"percentile":0.34966007602835797},"Independent Voting Board Pct":{"score":1.0,"percentile":0.9933392423419786},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.6423568647358752,"percentile":0.722437261305784}},"source_xml":"202330909349300413_public.xml"},{"Organization":{"value":null,"Person":["KENNETH E COOL","DAVID P TRAINOR","TIMOTHY A HULTQUIST","MARY PATTERSON MCPHERSON","MARK V PAULY","HANNA H GRAY","JOHN H BIGGS","PAUL J MASON","RONALD G EHRENBERG","T DENNIS SULLIVAN","DAVID ANDERSON","SUSAN DENTZER","ELIZABETH BRADLEY","ROGER L MONTGOMERY","BARBARA PERRY","RUSSELL GALER","DEBRA ONDO"],"Title":["PRESIDENT","PRESIDENT","CHAIR","VICE CHAIR","TRUSTEE","TRUSTEE","TRUSTEE","TRUSTEE","TRUSTEE","TRUSTEE","TRUSTEE","TRUSTEE","TRUSTEE","VP FOR FINAN","VP MARKETING","LEGAL COUNSE","VP OF COMMUN"],"Hours":[40.0,40.0,5.0,5.0,5.0,5.0,5.0,5.0,5.0,5.0,5.0,5.0,5.0,40.0,40.0,40.0,40.0],"Total Compensation":[184418,75252,0,0,0,0,0,0,0,0,0,0,0,173061,210349,138163,130491],"Direct compensation":[140965,72331,0,0,0,0,0,0,0,0,0,0,0,147300,184500,117046,109600],"Other compensation":[43453,2921,0,0,0,0,0,0,0,0,0,0,0,25761,25849,21117,20891]},"Basic":{"value":null,"mission":"The organization provides a tax-advantaged method of providing for retiree health benefits to employees of colleges, universities and other education -related tax exempt organizations.","year":2013,"name":"THE EMERITI CONSORTIUM FOR RETIREMENT HEALTH SOLUTIONS","phone":8455676666,"website":"WWW.EMERITIHEALTH.ORG","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"DAVID P TRAINOR","year_formation":2003,"state_legal_domicile":"IL","total_volunteers":null,"tax_period_begin":"2013-01-01T00:00:00","tax_period_end":"2013-12-31T00:00:00","address":"103 EXECUTIVE DRIVE ROOM/SUITE 503, NEW WINDSOR, NY, 125535506, USA","city":"NEW WINDSOR","state":"NY","country":"USA","zip_code":125535506},"Governance":{"value":null,"501c3 determination":true,"501c determination":false,"Number of voting members":11,"Number of independent voting members":10,"Number of employees total":10,"Total Gross UBI":0,"Net unrelated business taxable income":null,"Number of employees":10,"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":1687970,"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":1682567,"Total revenue":{"value":1682567,"PARTICIPANT ACCOUNT FEES":1657567,"IMPLEMENTATION FEES":25000},"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":1653,"Investment income total":1653,"Net investment gain":0,"Income from invest bond proceeds":0},"Other revenues":{"value":3750,"Other total":3750,"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":1810962,"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":1266105,"Current officers":439445,"Disqualified persons":0,"Other salaries and wages":632341,"Pension plan contributions":80130,"Other employee benefits":45953,"Payroll taxes":68236},"Other expenses":{"value":544857,"Management services":0,"Legal":35529,"Accounting":13200,"Lobbying services":0,"Investment management fees":0,"Other services":109138,"Advertising":60276,"Office expenses":49739,"Information technology":17679,"Royalties":0,"Occupancy":89864,"Travel":94749,"Conferences and meetings":1285,"Interest":0,"Payments to affiliates":0,"Depreciation and depletion":25048,"Insurance":20735,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":27615,"FILING FEES":14485,"MISCELLANEOUS":8803,"BAD DEBTS":2502,"DUES AND SUBSCRIPTIONS":1825},"All other expenses":0},"Functional Expenses":{"value":null,"Program Service Expenses":1722889,"Management And General Expenses":88073,"Fundraising Expenses":0}},"Assets":{"value":1808160,"Non-interest bearing cash":0,"Savings and temp cash investments":1568054,"Pledges and grants receivable":0,"Accounts receivable":115839,"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":25417,"Land, building, equipment":56547,"Investments publicly traded":42303,"Investments other":0,"Investments program related":0,"Intangible assets":0,"Other assets":0},"Liabilities":{"value":114893,"Sum of Total Liabilities":0,"Accounts payable, accrued":96495,"Grants payable":0,"Deferred, revenue":0,"Tax exempt bond liabilities":0,"Escrow account liability":0,"Loans from officers, directors":0,"Secured mortgages and notes payable":0,"Unsecured notes loans payable":0,"Other liabilities":18398},"Fund balance":{"value":1693267,"Net assets without donor restriction":0,"Net assets with donor restriction":0,"Unrestricted net assets":1693267,"Temporarily restricted net assets":0,"Permanently restricted net assets":0},"Ratings":{"Program Expense Ratio":{"score":0.9513667321567211,"percentile":0.8474259463639806},"Fundraising Efficiency":{"score":null,"percentile":null},"Operating Margin":{"score":-0.07286385421541852,"percentile":0.25364589776506674},"Liabilities to Assets Ratio":{"score":0.06354139014246526,"percentile":0.36778246997458347},"Operating Reserve Ratio":{"score":0.998452756048995,"percentile":0.42312215266015785},"Officer Compensation Ratio":{"score":0.5034528609656084,"percentile":0.0710518488708684},"Program Expense Growth":{"score":null,"percentile":null},"Revenue Growth":{"score":null,"percentile":null},"Asset Growth":{"score":null,"percentile":null},"Independent Voting Board Pct":{"score":0.9090909090909091,"percentile":0.24395594109922106},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.5374300159820614,"percentile":0.4211165424728466}},"source_xml":"201411059349301306_public.xml"},{"Organization":{"value":null,"Person":["TIMOTHY E LANE","DAVID ANDERSON","MARY PATTERSON MCPHERSON","CARRIE ABILDGAARD","JOHN H BIGGS","PAUL FRONSTIN","TIMOTHY A HULTQUIST","PAUL J MASON","MICHAEL S NOETZEL","STEPHEN PARENTE","TAMARA M SIMON","ANUP VIDWANS","DANIEL T KONSTALID","ROGER L MONTGOMERY","DEBRA ONDO","CHRISTINE E FENDLEY"],"Title":["PRESIDENT &","CHAIR","VICE CHAIR","SECRETARY","TRUSTEE","TRUSTEE","TRUSTEE","TRUSTEE","TRUSTEE","TRUSTEE","TRUSTEE","TRUSTEE","EX OFFICIO T","VP FOR FINAN","VP OF COMMUN","VP CLIENT RE"],"Hours":[40.0,5.0,5.0,5.0,5.0,5.0,5.0,5.0,5.0,5.0,5.0,5.0,5.0,40.0,40.0,40.0],"Total Compensation":[0,0,0,2500,2500,2500,0,2500,0,0,0,0,0,218525,163718,121428],"Direct compensation":[0,0,0,2500,2500,2500,0,2500,0,0,0,0,0,192620,142013,103448],"Other compensation":[0,0,0,0,0,0,0,0,0,0,0,0,0,25905,21705,17980]},"Basic":{"value":null,"mission":"The organization provides a tax-advantaged method of providing for retiree health benefits to employees of colleges, universities and other education -related tax exempt organizations.","year":2016,"name":"THE EMERITI CONSORTIUM FOR RETIREMENT HEALTH SOLUTIONS","phone":8455676666,"website":"WWW.EMERITIHEALTH.ORG","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"TIMOTHY E LANE","year_formation":2003,"state_legal_domicile":"IL","total_volunteers":null,"tax_period_begin":"2016-01-01T00:00:00","tax_period_end":"2016-12-31T00:00:00","address":"103 EXECUTIVE DRIVE, NEW WINDSOR, NY, 125535506, USA","city":"NEW WINDSOR","state":"NY","country":"USA","zip_code":125535506},"Governance":{"value":null,"501c3 determination":true,"501c determination":false,"Number of voting members":11,"Number of independent voting members":11,"Number of employees total":5,"Total Gross UBI":0,"Net unrelated business taxable income":null,"Number of employees":5,"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":2485241,"Contributions":{"value":1000000,"Other contributions":1000000,"Contributions from gifts and grants":0,"Fundraising revenue":0,"Dues":0,"Campaigns":0,"Grant revenue":0,"Related organizations":0},"Program revenue":{"value":1482224,"Total revenue":1482224,"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":3017,"Investment income total":8485,"Net investment gain":-5468,"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":1527756,"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":774119,"Current officers":238892,"Disqualified persons":0,"Other salaries and wages":414567,"Pension plan contributions":41949,"Other employee benefits":38546,"Payroll taxes":40165},"Other expenses":{"value":753637,"Management services":150000,"Legal":144973,"Accounting":27420,"Lobbying services":0,"Investment management fees":0,"Other services":75915,"Advertising":46949,"Office expenses":48478,"Information technology":14781,"Royalties":0,"Occupancy":65284,"Travel":114503,"Conferences and meetings":2140,"Interest":0,"Payments to affiliates":0,"Depreciation and depletion":13278,"Insurance":20571,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":29345,"BAD DEBTS":12807,"FILING FEES":11530,"MISCELLANEOUS":5008},"All other expenses":0},"Functional Expenses":{"value":null,"Program Service Expenses":1460039,"Management And General Expenses":67717,"Fundraising Expenses":0}},"Assets":{"value":3521704,"Non-interest bearing cash":0,"Savings and temp cash investments":3331010,"Pledges and grants receivable":0,"Accounts receivable":93508,"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":15464,"Land, building, equipment":47200,"Investments publicly traded":0,"Investments other":0,"Investments program related":0,"Intangible assets":0,"Other assets":34522},"Liabilities":{"value":149344,"Sum of Total Liabilities":0,"Accounts payable, accrued":90335,"Grants payable":0,"Deferred, revenue":0,"Tax exempt bond liabilities":0,"Escrow account liability":0,"Loans from officers, directors":0,"Secured mortgages and notes payable":0,"Unsecured notes loans payable":0,"Other liabilities":59009},"Fund balance":{"value":3372360,"Net assets without donor restriction":0,"Net assets with donor restriction":0,"Unrestricted net assets":3372360,"Temporarily restricted net assets":0,"Permanently restricted net assets":0},"Ratings":{"Program Expense Ratio":{"score":0.9556755136291397,"percentile":0.8536068168818928},"Fundraising Efficiency":{"score":null,"percentile":null},"Operating Margin":{"score":0.38526847094507133,"percentile":0.8788371931402075},"Liabilities to Assets Ratio":{"score":0.0424067440080143,"percentile":0.4020732654576203},"Operating Reserve Ratio":{"score":2.305148204294403,"percentile":0.6519165629769986},"Officer Compensation Ratio":{"score":0.33622581092792303,"percentile":0.1562733358501661},"Program Expense Growth":{"score":-0.06963023392916282,"percentile":0.17106454921632458},"Revenue Growth":{"score":0.1418684066256875,"percentile":0.8376866784196765},"Asset Growth":{"score":0.24509618248794784,"percentile":0.8865383714993746},"Independent Voting Board Pct":{"score":1.0,"percentile":0.9933392423419786},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.7263583290442861,"percentile":0.8884187471239703}},"source_xml":"201711329349304201_public.xml"}],"Latest":{"Organization":{"value":null,"Person":["DAVID ANDERSON","CARRIE ABILDGAARD","PAUL FRONSTIN","ROBERT BURKE","CRISTLE COLLINS-JUDD","RICHARD EKMAN","DANIEL T KONSTALID","MICHAEL S NOETZEL","TAMARA M SIMON","MICHAEL SIGMUND","TIMOTHY E LANE","ROGER MONTGOMERY"],"Title":["CHAIR","SECRETARY","TREASURER","TRUSTEE","TRUSTEE","TRUSTEE","TRUSTEE","TRUSTEE","TRUSTEE","TRUSTEE","PRESIDENT & CEO","VP FOR FINANCE"],"Hours":[5.0,5.0,5.0,5.0,5.0,5.0,5.0,5.0,5.0,5.0,40.0,40.0],"Total Compensation":[10000,0,10000,0,0,10000,0,10000,16250,0,310463,402787],"Direct compensation":[10000,0,10000,0,0,10000,0,10000,16250,0,262256,353339],"Other compensation":[0,0,0,0,0,0,0,0,0,0,48207,49448]},"Basic":{"value":null,"mission":"The organization provides a tax-advantaged method of providing for retiree health benefits to employees of colleges, universities and other education-related tax exempt organizations.","year":2024,"name":"THE EMERITI CONSORTIUM FOR RETIREMENT HEALTH SOLUTIONS","phone":8455676666,"website":"WWW.EMERITIHEALTH.ORG","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"TIMOTHY E LANE","year_formation":2003,"state_legal_domicile":"IL","total_volunteers":0,"tax_period_begin":"2024-01-01T00:00:00","tax_period_end":"2024-12-31T00:00:00","address":"10800 BISCAYNE BOULEVARD SUITE 740, MIAMI, FL, 33161, USA","city":"MIAMI","state":"FL","country":"USA","zip_code":33161},"Governance":{"value":null,"501c3 determination":true,"501c determination":false,"Number of voting members":10,"Number of independent voting members":10,"Number of employees total":3,"Total Gross UBI":0,"Net unrelated business taxable income":0,"Number of employees":3,"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":2860764,"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":2764806,"Total revenue":2764806,"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":95958,"Investment income total":95958,"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":3377602,"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":1027587,"Current officers":858184,"Disqualified persons":0,"Other salaries and wages":95966,"Pension plan contributions":9292,"Other employee benefits":27909,"Payroll taxes":36236},"Other expenses":{"value":2350015,"Management services":365300,"Legal":0,"Accounting":30336,"Lobbying services":0,"Investment management fees":0,"Other services":62700,"Advertising":4549,"Office expenses":61085,"Information technology":5050,"Royalties":0,"Occupancy":17742,"Travel":103972,"Conferences and meetings":0,"Interest":0,"Payments to affiliates":0,"Depreciation and depletion":2019,"Insurance":43776,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":1653486,"RECORDKEEPING FEES":1358522,"RECORDKEEPING TRANSITIO":294012,"MISCELLANEOUS":527,"CREDIT LOSS EXPENSE":425},"All other expenses":0},"Functional Expenses":{"value":null,"Program Service Expenses":3206981,"Management And General Expenses":170621,"Fundraising Expenses":0}},"Assets":{"value":2354005,"Non-interest bearing cash":784265,"Savings and temp cash investments":1228136,"Pledges and grants receivable":0,"Accounts receivable":231228,"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":73798,"Land, building, equipment":4177,"Investments publicly traded":0,"Investments other":0,"Investments program related":0,"Intangible assets":0,"Other assets":32401},"Liabilities":{"value":430345,"Sum of Total Liabilities":0,"Accounts payable, accrued":397862,"Grants payable":0,"Deferred, revenue":0,"Tax exempt bond liabilities":0,"Escrow account liability":0,"Loans from officers, directors":0,"Secured mortgages and notes payable":0,"Unsecured notes loans payable":0,"Other liabilities":32483},"Fund balance":{"value":1923660,"Net assets without donor restriction":1923660,"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":0.9494845751512464,"percentile":0.8445520127605068},"Fundraising Efficiency":{"score":null,"percentile":null},"Operating Margin":{"score":-0.18066432603318555,"percentile":0.16169429465428653},"Liabilities to Assets Ratio":{"score":0.18281397023370807,"percentile":0.26149683809299074},"Operating Reserve Ratio":{"score":0.6969456436844839,"percentile":0.3273510945971098},"Officer Compensation Ratio":{"score":0.22782435585957136,"percentile":0.27066777954303367},"Program Expense Growth":{"score":0.051911086665474344,"percentile":0.538512820468877},"Revenue Growth":{"score":0.04178316704517541,"percentile":0.5704848830480331},"Asset Growth":{"score":0.007623016849380809,"percentile":0.35180147509256826},"Independent Voting Board Pct":{"score":1.0,"percentile":0.9933392423419786},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.5722020293435819,"percentile":0.5234419043501268}},"source_xml":"202522679349301222_public.xml"},"sector":"Education","donation_categories":[],"zakat_policy":null},"error":null}