{"success":true,"data":{"_id":822769605,"filings":[{"Organization":{"value":null,"Person":["CHAD BROWN","JESSICA RINE","MICHAEL CONTRAGUERRO JR","ERIKKA STORCH"],"Title":["TRUSTEE","TRUSTEE","TRUSTEE","PLAN ADMINISTATOR"],"Hours":[1.0,1.0,1.0,1.0],"Total Compensation":[0,0,0,0],"Direct compensation":[0,0,0,0],"Other compensation":[0,0,0,0]},"Basic":{"value":null,"mission":"The organization is a multiple employer welfare arrangement (mewa) which provides medical and prescription drug coverge for its members.","year":2019,"name":"CHAMBER ASSOCIATION BENEFIT PLAN TRUST","phone":6127472205,"website":null,"type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"ERIKKA STORCH","year_formation":2018,"state_legal_domicile":"WV","total_volunteers":0,"tax_period_begin":"2019-01-01T00:00:00","tax_period_end":"2019-12-31T00:00:00","address":"1100 MAIN STREET NO 2ND FL, WHEELING, WV, 26003, USA","city":"WHEELING","state":"WV","country":"USA","zip_code":26003},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":3,"Number of independent voting members":3,"Number of employees total":0,"Total Gross UBI":0,"Net unrelated business taxable income":0,"Number of employees":0,"Prohibited tax shelter transactions":true,"Taxable party notification":true,"Funds to pay premiums":false,"Premiums Paid":false,"Family or business relationship":true,"Delegation of management duties":true,"Conflict of interest policy":true,"Whistle blower policy":true,"Compensation process for CEO":true,"Compensation process for other employees":true,"Changes to organizing documents":true,"Material diversion or misuse":true,"Members or stockholders":true,"Election of board members":true,"Decisions subject to approval":true,"Minutes of governing body":true,"Local chapters":true,"Form 990 provided to governing body":true,"Document retention policy":true,"Investment in joint venture":true,"Independent audit financial statements":true,"Consolidated audit financial statements":true,"Accountant compile or review":true,"Political activities":true,"Donor advised funds":true,"Conservation easements":true,"Collections of art":true,"School":true,"Hospital":true,"Foreign activities":true,"Foreign office":true,"Gaming":true,"Fundraising activities":true,"Professional fundraising":true,"Loan to officer or DQP":true,"Grant to related person":true,"Business relationship through family member":true,"Business relationship with organization":true},"Revenues":{"value":4670608,"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":4670608,"Total revenue":4670608,"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":0,"Investment income total":0,"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":4660613,"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":4145950,"Benefits paid to members Total":4145950},"Salaries":{"value":0,"Current officers":0,"Disqualified persons":0,"Other salaries and wages":0,"Pension plan contributions":0,"Other employee benefits":0,"Payroll taxes":0},"Other expenses":{"value":514663,"Management services":484389,"Legal":10484,"Accounting":19000,"Lobbying services":0,"Investment management fees":790,"Other services":0,"Advertising":0,"Office expenses":0,"Information technology":0,"Royalties":0,"Occupancy":0,"Travel":0,"Conferences and meetings":0,"Interest":0,"Payments to affiliates":0,"Depreciation and depletion":0,"Insurance":0,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":0,"All other expenses":0},"Functional Expenses":{"value":null,"Program Service Expenses":0,"Management And General Expenses":0,"Fundraising Expenses":0}},"Assets":{"value":367201,"Non-interest bearing cash":101262,"Savings and temp cash investments":0,"Pledges and grants receivable":0,"Accounts receivable":248621,"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":17318,"Land, building, equipment":0,"Investments publicly traded":0,"Investments other":0,"Investments program related":0,"Intangible assets":0,"Other assets":0},"Liabilities":{"value":316992,"Sum of Total Liabilities":0,"Accounts payable, accrued":59071,"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":257921},"Fund balance":{"value":50209,"Net assets without donor restriction":50209,"Net assets with donor restriction":0,"Unrestricted net assets":0,"Temporarily restricted net assets":0,"Permanently restricted net assets":0},"Ratings":{"Program Expense Ratio":{"score":0.0,"percentile":0.4421253816471043},"Fundraising Efficiency":{"score":null,"percentile":null},"Operating Margin":{"score":0.0021399783497137847,"percentile":0.4017360825927272},"Liabilities to Assets Ratio":{"score":0.8632656229149702,"percentile":0.07033870669072305},"Operating Reserve Ratio":{"score":0.07878813366396223,"percentile":0.05821603113337438},"Officer Compensation Ratio":{"score":null,"percentile":null},"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":0.4786342607352074,"percentile":0.2712166248065398}},"source_xml":"202023099349301502_public.xml"},{"Organization":{"value":null,"Person":["ERIN YODERS","ERIC STAKEM","RUSSELL ROGERSON","ERIKKA STORCH"],"Title":["TRUSTEE","TRUSTEE","TRUSTEE","PLAN ADMINISTRATOR"],"Hours":[1.0,1.0,1.0,1.0],"Total Compensation":[0,0,0,13976],"Direct compensation":[0,0,0,13976],"Other compensation":[0,0,0,0]},"Basic":{"value":null,"mission":"The organization is a multiple employer welfare arrangement (mewa) which provides medical and prescription drug coverge for its members.","year":2024,"name":"CHAMBER ASSOCIATION BENEFIT PLAN TRUST","phone":6127472205,"website":null,"type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"ERIC STAKEM","year_formation":2018,"state_legal_domicile":"WV","total_volunteers":0,"tax_period_begin":"2024-01-01T00:00:00","tax_period_end":"2024-12-31T00:00:00","address":"1100 MAIN STREET 2ND FL, WHEELING, WV, 26003, USA","city":"WHEELING","state":"WV","country":"USA","zip_code":26003},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":4,"Number of independent voting members":4,"Number of employees total":0,"Total Gross UBI":11928,"Net unrelated business taxable income":10928,"Number of employees":0,"Prohibited tax shelter transactions":true,"Taxable party notification":true,"Funds to pay premiums":false,"Premiums Paid":false,"Family or business relationship":true,"Delegation of management duties":true,"Conflict of interest policy":true,"Whistle blower policy":true,"Compensation process for CEO":true,"Compensation process for other employees":true,"Changes to organizing documents":true,"Material diversion or misuse":true,"Members or stockholders":true,"Election of board members":true,"Decisions subject to approval":true,"Minutes of governing body":true,"Local chapters":true,"Form 990 provided to governing body":true,"Document retention policy":true,"Investment in joint venture":true,"Independent audit financial statements":true,"Consolidated audit financial statements":true,"Accountant compile or review":true,"Political activities":true,"Donor advised funds":true,"Conservation easements":true,"Collections of art":true,"School":true,"Hospital":true,"Foreign activities":true,"Foreign office":true,"Gaming":true,"Fundraising activities":true,"Professional fundraising":true,"Loan to officer or DQP":true,"Grant to related person":true,"Business relationship through family member":true,"Business relationship with organization":true},"Revenues":{"value":9213895,"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":9201967,"Total revenue":9201967,"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":11928,"Investment income total":11928,"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":10241741,"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":9298605,"Benefits paid to members Total":9298605},"Salaries":{"value":13976,"Current officers":13976,"Disqualified persons":0,"Other salaries and wages":0,"Pension plan contributions":0,"Other employee benefits":0,"Payroll taxes":0},"Other expenses":{"value":929160,"Management services":881970,"Legal":0,"Accounting":26956,"Lobbying services":0,"Investment management fees":1724,"Other services":22,"Advertising":0,"Office expenses":0,"Information technology":0,"Royalties":0,"Occupancy":0,"Travel":0,"Conferences and meetings":0,"Interest":0,"Payments to affiliates":0,"Depreciation and depletion":0,"Insurance":11931,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":6557,"REGULATORY FEES":3929,"FED.INC. TAX":2628},"All other expenses":0},"Functional Expenses":{"value":null,"Program Service Expenses":0,"Management And General Expenses":0,"Fundraising Expenses":0}},"Assets":{"value":635342,"Non-interest bearing cash":0,"Savings and temp cash investments":28853,"Pledges and grants receivable":0,"Accounts receivable":0,"Receivables from officers":0,"Receivables from disqual persons":0,"Other net note and loans":0,"Inventories for sale or use":0,"Prepaid expenses deferred charges":1148,"Land, building, equipment":0,"Investments publicly traded":0,"Investments other":0,"Investments program related":0,"Intangible assets":0,"Other assets":605341},"Liabilities":{"value":1391067,"Sum of Total Liabilities":0,"Accounts payable, accrued":95385,"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":1295682},"Fund balance":{"value":-755725,"Net assets without donor restriction":-755725,"Net assets with donor restriction":0,"Unrestricted net assets":0,"Temporarily restricted net assets":0,"Permanently restricted net assets":0},"Ratings":{"Program Expense Ratio":{"score":0.0,"percentile":0.4421253816471043},"Fundraising Efficiency":{"score":null,"percentile":null},"Operating Margin":{"score":-0.11155390852619874,"percentile":0.21199939918629282},"Liabilities to Assets Ratio":{"score":2.189477478271545,"percentile":0.016678055759029746},"Operating Reserve Ratio":{"score":0.062034570098970475,"percentile":0.05052989344333027},"Officer Compensation Ratio":{"score":0.0013646117393517371,"percentile":0.9944499442503639},"Program Expense Growth":{"score":null,"percentile":null},"Revenue Growth":{"score":0.21039771053975675,"percentile":0.9039254436985193},"Asset Growth":{"score":0.061962471821177874,"percentile":0.5706671503832398},"Independent Voting Board Pct":{"score":1.0,"percentile":0.9933392423419786},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.5197441124266728,"percentile":0.3727858446043033}},"source_xml":"202523179349308512_public.xml"},{"Organization":{"value":null,"Person":["JESSICA RINE","ERIN YODERS","ERIC STAKEM","RUSSELL ROGERSON","ERIKKA STORCH"],"Title":["TRUSTEE","TRUSTEE","TRUSTEE","TRUSTEE","PLAN ADMINISTRATOR"],"Hours":[1.0,1.0,1.0,1.0,1.0],"Total Compensation":[0,0,0,0,0],"Direct compensation":[0,0,0,0,0],"Other compensation":[0,0,0,0,0]},"Basic":{"value":null,"mission":"The organization is a multiple employer welfare arrangement (mewa) which provides medical and prescription drug coverge for its members.","year":2023,"name":"CHAMBER ASSOCIATION BENEFIT PLAN TRUST","phone":6127472205,"website":null,"type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"ERIC STAKEM","year_formation":2018,"state_legal_domicile":"WV","total_volunteers":0,"tax_period_begin":"2023-01-01T00:00:00","tax_period_end":"2023-12-31T00:00:00","address":"1100 MAIN STREET 2ND FL, WHEELING, WV, 26003, USA","city":"WHEELING","state":"WV","country":"USA","zip_code":26003},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":4,"Number of independent voting members":4,"Number of employees total":0,"Total Gross UBI":2954,"Net unrelated business taxable income":1954,"Number of employees":0,"Prohibited tax shelter transactions":true,"Taxable party notification":true,"Funds to pay premiums":false,"Premiums Paid":false,"Family or business relationship":true,"Delegation of management duties":true,"Conflict of interest policy":true,"Whistle blower policy":true,"Compensation process for CEO":true,"Compensation process for other employees":true,"Changes to organizing documents":true,"Material diversion or misuse":true,"Members or stockholders":true,"Election of board members":true,"Decisions subject to approval":true,"Minutes of governing body":true,"Local chapters":true,"Form 990 provided to governing body":true,"Document retention policy":true,"Investment in joint venture":true,"Independent audit financial statements":true,"Consolidated audit financial statements":true,"Accountant compile or review":true,"Political activities":true,"Donor advised funds":true,"Conservation easements":true,"Collections of art":true,"School":true,"Hospital":true,"Foreign activities":true,"Foreign office":true,"Gaming":true,"Fundraising activities":true,"Professional fundraising":true,"Loan to officer or DQP":true,"Grant to related person":true,"Business relationship through family member":true,"Business relationship with organization":true},"Revenues":{"value":9142337,"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":9139383,"Total revenue":9139383,"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":2954,"Investment income total":2954,"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":10189651,"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":9197795,"Benefits paid to members Total":9197795},"Salaries":{"value":0,"Current officers":0,"Disqualified persons":0,"Other salaries and wages":0,"Pension plan contributions":0,"Other employee benefits":0,"Payroll taxes":0},"Other expenses":{"value":991856,"Management services":950827,"Legal":0,"Accounting":29035,"Lobbying services":0,"Investment management fees":1246,"Other services":0,"Advertising":0,"Office expenses":0,"Information technology":0,"Royalties":0,"Occupancy":0,"Travel":0,"Conferences and meetings":0,"Interest":0,"Payments to affiliates":0,"Depreciation and depletion":0,"Insurance":10748,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":0,"All other expenses":0},"Functional Expenses":{"value":null,"Program Service Expenses":0,"Management And General Expenses":0,"Fundraising Expenses":0}},"Assets":{"value":673747,"Non-interest bearing cash":0,"Savings and temp cash investments":430530,"Pledges and grants receivable":0,"Accounts receivable":148469,"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":14211,"Land, building, equipment":0,"Investments publicly traded":0,"Investments other":0,"Investments program related":0,"Intangible assets":0,"Other assets":80537},"Liabilities":{"value":2522626,"Sum of Total Liabilities":0,"Accounts payable, accrued":86089,"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":2436537},"Fund balance":{"value":-1848879,"Net assets without donor restriction":-1848879,"Net assets with donor restriction":0,"Unrestricted net assets":0,"Temporarily restricted net assets":0,"Permanently restricted net assets":0},"Ratings":{"Program Expense Ratio":{"score":0.0,"percentile":0.4421253816471043},"Fundraising Efficiency":{"score":null,"percentile":null},"Operating Margin":{"score":-0.11455648594008294,"percentile":0.20928880817351206},"Liabilities to Assets Ratio":{"score":3.744174000032653,"percentile":0.010019328682650725},"Operating Reserve Ratio":{"score":0.06612071404604535,"percentile":0.0523893353197559},"Officer Compensation Ratio":{"score":null,"percentile":null},"Program Expense Growth":{"score":null,"percentile":null},"Revenue Growth":{"score":0.25077702032040394,"percentile":0.9268914072843464},"Asset Growth":{"score":0.040935945278973186,"percentile":0.4910958675595985},"Independent Voting Board Pct":{"score":1.0,"percentile":0.9933392423419786},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.4843799370167858,"percentile":0.28455620299485057}},"source_xml":"202413199349310471_public.xml"},{"Organization":{"value":null,"Person":["JESSICA RINE","MICHAEL CONTRAGUERRO JR","ERIC STAKEM","RUSSELL ROGERSON","ERIKKA STORCH"],"Title":["TRUSTEE","TRUSTEE","TRUSTEE","TRUSTEE","PLAN ADMINISTRATOR"],"Hours":[1.0,1.0,1.0,1.0,1.0],"Total Compensation":[0,0,0,0,0],"Direct compensation":[0,0,0,0,0],"Other compensation":[0,0,0,0,0]},"Basic":{"value":null,"mission":"The organization is a multiple employer welfare arrangement (mewa) which provides medical and prescription drug coverge for its members.","year":2022,"name":"CHAMBER ASSOCIATION BENEFIT PLAN TRUST","phone":6127472205,"website":null,"type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"ERIC STAKEM","year_formation":2018,"state_legal_domicile":"WV","total_volunteers":0,"tax_period_begin":"2022-01-01T00:00:00","tax_period_end":"2022-12-31T00:00:00","address":"1100 MAIN STREET 2ND FL, WHEELING, WV, 26003, USA","city":"WHEELING","state":"WV","country":"USA","zip_code":26003},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":4,"Number of independent voting members":4,"Number of employees total":0,"Total Gross UBI":0,"Net unrelated business taxable income":0,"Number of employees":0,"Prohibited tax shelter transactions":true,"Taxable party notification":true,"Funds to pay premiums":false,"Premiums Paid":false,"Family or business relationship":true,"Delegation of management duties":true,"Conflict of interest policy":true,"Whistle blower policy":true,"Compensation process for CEO":true,"Compensation process for other employees":true,"Changes to organizing documents":true,"Material diversion or misuse":true,"Members or stockholders":true,"Election of board members":true,"Decisions subject to approval":true,"Minutes of governing body":true,"Local chapters":true,"Form 990 provided to governing body":true,"Document retention policy":true,"Investment in joint venture":true,"Independent audit financial statements":true,"Consolidated audit financial statements":true,"Accountant compile or review":true,"Political activities":true,"Donor advised funds":true,"Conservation easements":true,"Collections of art":true,"School":true,"Hospital":true,"Foreign activities":true,"Foreign office":true,"Gaming":true,"Fundraising activities":true,"Professional fundraising":true,"Loan to officer or DQP":true,"Grant to related person":true,"Business relationship through family member":true,"Business relationship with organization":true},"Revenues":{"value":6289634,"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":6289634,"Total revenue":6289634,"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":0,"Investment income total":0,"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":7358861,"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":6692725,"Benefits paid to members Total":6692725},"Salaries":{"value":0,"Current officers":0,"Disqualified persons":0,"Other salaries and wages":0,"Pension plan contributions":0,"Other employee benefits":0,"Payroll taxes":0},"Other expenses":{"value":666136,"Management services":642205,"Legal":0,"Accounting":23931,"Lobbying services":0,"Investment management fees":0,"Other services":0,"Advertising":0,"Office expenses":0,"Information technology":0,"Royalties":0,"Occupancy":0,"Travel":0,"Conferences and meetings":0,"Interest":0,"Payments to affiliates":0,"Depreciation and depletion":0,"Insurance":0,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":0,"All other expenses":0},"Functional Expenses":{"value":null,"Program Service Expenses":0,"Management And General Expenses":0,"Fundraising Expenses":0}},"Assets":{"value":231362,"Non-interest bearing cash":11787,"Savings and temp cash investments":11937,"Pledges and grants receivable":0,"Accounts receivable":139092,"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":61215,"Land, building, equipment":0,"Investments publicly traded":0,"Investments other":0,"Investments program related":0,"Intangible assets":0,"Other assets":7331},"Liabilities":{"value":1032927,"Sum of Total Liabilities":0,"Accounts payable, accrued":119268,"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":913659},"Fund balance":{"value":-801565,"Net assets without donor restriction":-801565,"Net assets with donor restriction":0,"Unrestricted net assets":0,"Temporarily restricted net assets":0,"Permanently restricted net assets":0},"Ratings":{"Program Expense Ratio":{"score":0.0,"percentile":0.4421253816471043},"Fundraising Efficiency":{"score":null,"percentile":null},"Operating Margin":{"score":-0.16999828606879192,"percentile":0.1680005967376305},"Liabilities to Assets Ratio":{"score":4.464549061643658,"percentile":0.00861392287863816},"Operating Reserve Ratio":{"score":0.03143991984629143,"percentile":0.03654477261598473},"Officer Compensation Ratio":{"score":null,"percentile":null},"Program Expense Growth":{"score":null,"percentile":null},"Revenue Growth":{"score":0.25707004620294505,"percentile":0.9298092221652023},"Asset Growth":{"score":-0.10379730549361707,"percentile":0.10122778592850172},"Independent Voting Board Pct":{"score":1.0,"percentile":0.9933392423419786},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.44929232497430877,"percentile":0.2098667242089256}},"source_xml":"202323179349303787_public.xml"},{"Organization":{"value":null,"Person":["MARY POCKL","ANDY MCKENZIE","JAMES SQUIBB"],"Title":["TRUSTEE","TRUSTEE","TRUSTEE"],"Hours":[1.0,1.0,1.0],"Total Compensation":[0,0,0],"Direct compensation":[0,0,0],"Other compensation":[0,0,0]},"Basic":{"value":null,"mission":"The organization is a multiple employer welfare arrangement (mewa) which provides medical and prescription drug coverge for its members.","year":2018,"name":"CHAMBER ASSOCIATION BENEFIT PLAN TRUST","phone":6127472205,"website":null,"type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"ERIKKA STORCH","year_formation":2018,"state_legal_domicile":"WV","total_volunteers":0,"tax_period_begin":"2018-01-01T00:00:00","tax_period_end":"2018-12-31T00:00:00","address":"1100 MAIN STREET NO 2ND FL, WHEELING, WV, 26003, USA","city":"WHEELING","state":"WV","country":"USA","zip_code":26003},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":3,"Number of independent voting members":3,"Number of employees total":0,"Total Gross UBI":0,"Net unrelated business taxable income":0,"Number of employees":0,"Prohibited tax shelter transactions":true,"Taxable party notification":true,"Funds to pay premiums":false,"Premiums Paid":false,"Family or business relationship":true,"Delegation of management duties":true,"Conflict of interest policy":true,"Whistle blower policy":true,"Compensation process for CEO":true,"Compensation process for other employees":true,"Changes to organizing documents":true,"Material diversion or misuse":true,"Members or stockholders":true,"Election of board members":true,"Decisions subject to approval":true,"Minutes of governing body":true,"Local chapters":true,"Form 990 provided to governing body":true,"Document retention policy":true,"Investment in joint venture":true,"Independent audit financial statements":true,"Consolidated audit financial statements":true,"Accountant compile or review":true,"Political activities":true,"Donor advised funds":true,"Conservation easements":true,"Collections of art":true,"School":true,"Hospital":true,"Foreign activities":true,"Foreign office":true,"Gaming":true,"Fundraising activities":true,"Professional fundraising":true,"Loan to officer or DQP":true,"Grant to related person":true,"Business relationship through family member":true,"Business relationship with organization":true},"Revenues":{"value":1344201,"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":1344201,"Total revenue":1344201,"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":0,"Investment income total":0,"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":1303987,"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":1128828,"Benefits paid to members Total":1128828},"Salaries":{"value":0,"Current officers":0,"Disqualified persons":0,"Other salaries and wages":0,"Pension plan contributions":0,"Other employee benefits":0,"Payroll taxes":0},"Other expenses":{"value":175159,"Management services":148086,"Legal":3827,"Accounting":23246,"Lobbying services":0,"Investment management fees":0,"Other services":0,"Advertising":0,"Office expenses":0,"Information technology":0,"Royalties":0,"Occupancy":0,"Travel":0,"Conferences and meetings":0,"Interest":0,"Payments to affiliates":0,"Depreciation and depletion":0,"Insurance":0,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":0,"All other expenses":0},"Functional Expenses":{"value":null,"Program Service Expenses":0,"Management And General Expenses":0,"Fundraising Expenses":0}},"Assets":{"value":436030,"Non-interest bearing cash":275017,"Savings and temp cash investments":0,"Pledges and grants receivable":0,"Accounts receivable":158048,"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":2965,"Land, building, equipment":0,"Investments publicly traded":0,"Investments other":0,"Investments program related":0,"Intangible assets":0,"Other assets":0},"Liabilities":{"value":395816,"Sum of Total Liabilities":0,"Accounts payable, accrued":395816,"Grants payable":0,"Deferred, revenue":0,"Tax exempt bond liabilities":0,"Escrow account liability":0,"Loans from officers, directors":0,"Secured mortgages and notes payable":0,"Unsecured notes loans payable":0,"Other liabilities":0},"Fund balance":{"value":40214,"Net assets without donor restriction":0,"Net assets with donor restriction":0,"Unrestricted net assets":40214,"Temporarily restricted net assets":0,"Permanently restricted net assets":0},"Ratings":{"Program Expense Ratio":{"score":0.0,"percentile":0.4421253816471043},"Fundraising Efficiency":{"score":null,"percentile":null},"Operating Margin":{"score":0.029916656809509886,"percentile":0.47765566078400484},"Liabilities to Assets Ratio":{"score":0.9077724009815838,"percentile":0.06337169572933617},"Operating Reserve Ratio":{"score":0.3343821679203857,"percentile":0.1785957444830596},"Officer Compensation Ratio":{"score":null,"percentile":null},"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":0.5061480862966695,"percentile":0.33682279937356796}},"source_xml":"201923019349300932_public.xml"},{"Organization":{"value":null,"Person":["CHAD BROWN","JESSICA RINE","MICHAEL CONTRAGUERRO JR","ERIC STAKEM","ERIKKA STORCH"],"Title":["TRUSTEE","TRUSTEE","TRUSTEE","TRUSTEE","PLAN ADMINISTATOR"],"Hours":[1.0,1.0,1.0,1.0,1.0],"Total Compensation":[0,0,0,0,0],"Direct compensation":[0,0,0,0,0],"Other compensation":[0,0,0,0,0]},"Basic":{"value":null,"mission":"The organization is a multiple employer welfare arrangement (mewa) which provides medical and prescription drug coverge for its members.","year":2020,"name":"CHAMBER ASSOCIATION BENEFIT PLAN TRUST","phone":6127472205,"website":null,"type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"ERIKKA STORCH","year_formation":2018,"state_legal_domicile":"WV","total_volunteers":0,"tax_period_begin":"2020-01-01T00:00:00","tax_period_end":"2020-12-31T00:00:00","address":"1100 MAIN STREET NO 2ND FL, WHEELING, WV, 26003, USA","city":"WHEELING","state":"WV","country":"USA","zip_code":26003},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":4,"Number of independent voting members":4,"Number of employees total":0,"Total Gross UBI":12,"Net unrelated business taxable income":0,"Number of employees":0,"Prohibited tax shelter transactions":true,"Taxable party notification":true,"Funds to pay premiums":false,"Premiums Paid":false,"Family or business relationship":true,"Delegation of management duties":true,"Conflict of interest policy":true,"Whistle blower policy":true,"Compensation process for CEO":true,"Compensation process for other employees":true,"Changes to organizing documents":true,"Material diversion or misuse":true,"Members or stockholders":true,"Election of board members":true,"Decisions subject to approval":true,"Minutes of governing body":true,"Local chapters":true,"Form 990 provided to governing body":true,"Document retention policy":true,"Investment in joint venture":true,"Independent audit financial statements":true,"Consolidated audit financial statements":true,"Accountant compile or review":true,"Political activities":true,"Donor advised funds":true,"Conservation easements":true,"Collections of art":true,"School":true,"Hospital":true,"Foreign activities":true,"Foreign office":true,"Gaming":true,"Fundraising activities":true,"Professional fundraising":true,"Loan to officer or DQP":true,"Grant to related person":true,"Business relationship through family member":true,"Business relationship with organization":true},"Revenues":{"value":4408901,"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":4408889,"Total revenue":4408889,"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":12,"Investment income total":12,"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":4414435,"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":3988983,"Benefits paid to members Total":3988983},"Salaries":{"value":0,"Current officers":0,"Disqualified persons":0,"Other salaries and wages":0,"Pension plan contributions":0,"Other employee benefits":0,"Payroll taxes":0},"Other expenses":{"value":425452,"Management services":399467,"Legal":1200,"Accounting":23900,"Lobbying services":0,"Investment management fees":0,"Other services":885,"Advertising":0,"Office expenses":0,"Information technology":0,"Royalties":0,"Occupancy":0,"Travel":0,"Conferences and meetings":0,"Interest":0,"Payments to affiliates":0,"Depreciation and depletion":0,"Insurance":0,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":0,"All other expenses":0},"Functional Expenses":{"value":null,"Program Service Expenses":0,"Management And General Expenses":0,"Fundraising Expenses":0}},"Assets":{"value":593174,"Non-interest bearing cash":415553,"Savings and temp cash investments":0,"Pledges and grants receivable":0,"Accounts receivable":167770,"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":9851,"Land, building, equipment":0,"Investments publicly traded":0,"Investments other":0,"Investments program related":0,"Intangible assets":0,"Other assets":0},"Liabilities":{"value":548499,"Sum of Total Liabilities":0,"Accounts payable, accrued":38389,"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":510110},"Fund balance":{"value":44675,"Net assets without donor restriction":44675,"Net assets with donor restriction":0,"Unrestricted net assets":0,"Temporarily restricted net assets":0,"Permanently restricted net assets":0},"Ratings":{"Program Expense Ratio":{"score":0.0,"percentile":0.4421253816471043},"Fundraising Efficiency":{"score":null,"percentile":null},"Operating Margin":{"score":-0.0012551880842867644,"percentile":0.3825312395614223},"Liabilities to Assets Ratio":{"score":0.9246848310950918,"percentile":0.06070959780936134},"Operating Reserve Ratio":{"score":0.13437144277806787,"percentile":0.08424579230796124},"Officer Compensation Ratio":{"score":null,"percentile":null},"Program Expense Growth":{"score":null,"percentile":null},"Revenue Growth":{"score":0.44101860086284056,"percentile":0.9745524099409522},"Asset Growth":{"score":0.16880203092942234,"percentile":0.8095825785775425},"Independent Voting Board Pct":{"score":1.0,"percentile":0.9933392423419786},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.5508478260532631,"percentile":0.4597951796892358}},"source_xml":"202143149349302194_public.xml"}],"Latest":{"Organization":{"value":null,"Person":["ERIN YODERS","ERIC STAKEM","RUSSELL ROGERSON","ERIKKA STORCH"],"Title":["TRUSTEE","TRUSTEE","TRUSTEE","PLAN ADMINISTRATOR"],"Hours":[1.0,1.0,1.0,1.0],"Total Compensation":[0,0,0,13976],"Direct compensation":[0,0,0,13976],"Other compensation":[0,0,0,0]},"Basic":{"value":null,"mission":"The organization is a multiple employer welfare arrangement (mewa) which provides medical and prescription drug coverge for its members.","year":2024,"name":"CHAMBER ASSOCIATION BENEFIT PLAN TRUST","phone":6127472205,"website":null,"type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"ERIC STAKEM","year_formation":2018,"state_legal_domicile":"WV","total_volunteers":0,"tax_period_begin":"2024-01-01T00:00:00","tax_period_end":"2024-12-31T00:00:00","address":"1100 MAIN STREET 2ND FL, WHEELING, WV, 26003, USA","city":"WHEELING","state":"WV","country":"USA","zip_code":26003},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":4,"Number of independent voting members":4,"Number of employees total":0,"Total Gross UBI":11928,"Net unrelated business taxable income":10928,"Number of employees":0,"Prohibited tax shelter transactions":true,"Taxable party notification":true,"Funds to pay premiums":false,"Premiums Paid":false,"Family or business relationship":true,"Delegation of management duties":true,"Conflict of interest policy":true,"Whistle blower policy":true,"Compensation process for CEO":true,"Compensation process for other employees":true,"Changes to organizing documents":true,"Material diversion or misuse":true,"Members or stockholders":true,"Election of board members":true,"Decisions subject to approval":true,"Minutes of governing body":true,"Local chapters":true,"Form 990 provided to governing body":true,"Document retention policy":true,"Investment in joint venture":true,"Independent audit financial statements":true,"Consolidated audit financial statements":true,"Accountant compile or review":true,"Political activities":true,"Donor advised funds":true,"Conservation easements":true,"Collections of art":true,"School":true,"Hospital":true,"Foreign activities":true,"Foreign office":true,"Gaming":true,"Fundraising activities":true,"Professional fundraising":true,"Loan to officer or DQP":true,"Grant to related person":true,"Business relationship through family member":true,"Business relationship with organization":true},"Revenues":{"value":9213895,"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":9201967,"Total revenue":9201967,"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":11928,"Investment income total":11928,"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":10241741,"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":9298605,"Benefits paid to members Total":9298605},"Salaries":{"value":13976,"Current officers":13976,"Disqualified persons":0,"Other salaries and wages":0,"Pension plan contributions":0,"Other employee benefits":0,"Payroll taxes":0},"Other expenses":{"value":929160,"Management services":881970,"Legal":0,"Accounting":26956,"Lobbying services":0,"Investment management fees":1724,"Other services":22,"Advertising":0,"Office expenses":0,"Information technology":0,"Royalties":0,"Occupancy":0,"Travel":0,"Conferences and meetings":0,"Interest":0,"Payments to affiliates":0,"Depreciation and depletion":0,"Insurance":11931,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":6557,"REGULATORY FEES":3929,"FED.INC. TAX":2628},"All other expenses":0},"Functional Expenses":{"value":null,"Program Service Expenses":0,"Management And General Expenses":0,"Fundraising Expenses":0}},"Assets":{"value":635342,"Non-interest bearing cash":0,"Savings and temp cash investments":28853,"Pledges and grants receivable":0,"Accounts receivable":0,"Receivables from officers":0,"Receivables from disqual persons":0,"Other net note and loans":0,"Inventories for sale or use":0,"Prepaid expenses deferred charges":1148,"Land, building, equipment":0,"Investments publicly traded":0,"Investments other":0,"Investments program related":0,"Intangible assets":0,"Other assets":605341},"Liabilities":{"value":1391067,"Sum of Total Liabilities":0,"Accounts payable, accrued":95385,"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":1295682},"Fund balance":{"value":-755725,"Net assets without donor restriction":-755725,"Net assets with donor restriction":0,"Unrestricted net assets":0,"Temporarily restricted net assets":0,"Permanently restricted net assets":0},"Ratings":{"Program Expense Ratio":{"score":0.0,"percentile":0.4421253816471043},"Fundraising Efficiency":{"score":null,"percentile":null},"Operating Margin":{"score":-0.11155390852619874,"percentile":0.21199939918629282},"Liabilities to Assets Ratio":{"score":2.189477478271545,"percentile":0.016678055759029746},"Operating Reserve Ratio":{"score":0.062034570098970475,"percentile":0.05052989344333027},"Officer Compensation Ratio":{"score":0.0013646117393517371,"percentile":0.9944499442503639},"Program Expense Growth":{"score":null,"percentile":null},"Revenue Growth":{"score":0.21039771053975675,"percentile":0.9039254436985193},"Asset Growth":{"score":0.061962471821177874,"percentile":0.5706671503832398},"Independent Voting Board Pct":{"score":1.0,"percentile":0.9933392423419786},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.5197441124266728,"percentile":0.3727858446043033}},"source_xml":"202523179349308512_public.xml"},"sector":"Mutual/Membership Benefit","donation_categories":[],"zakat_policy":null},"error":null}