KSKJ Life

Nonprofit profile at a glance

EIN
361150880
IRS 990 coverage
2010–2024
Official website data refreshed
Sep 2026
Forms available
Form 990 2024, Form 990-N 2013
Location
Joliet, IL, USA
Phone
800-843-5755
Rating
82
Verdict
STRONG
Rating confidence
Moderate
Sector
Fraternal Beneficiary Societies

Official website

Reported finances

Revenue
$70,686,781
Expenses
$67,468,170
Assets
$509,590,264
Liabilities
$492,235,428

Source: IRS Form 990. Selected filing: tax year 2024. Amounts in USD.

Leadership & pay

14 people listed

Executive titles in this filing

  • Anthony J Mravle (CEO)

Highest reported compensation

  • Anthony J Mravle (CEO): $478,432 total reported compensation
  • Stuart Buchanan (Corporate Sec'y): $363,213 total reported compensation
  • Anthony T Mravle (Investment Mgr): $327,870 total reported compensation

Source: IRS Form 990. Selected filing: tax year 2024. Names and roles reflect this filing, not necessarily current officeholders.

Overview

Mission

KSKJ Life is a member-owned, community-focused organization that has advocated for families and communities since 1894. We provide financial security through life insurance and annuity products and invest time and money to enhance local communities.

What it reported doing in 2024

To provide competitive insurance and retirement products to its members as a fraternal benefit life insurance company, as well as fraternal activities for the benefit of KSKJ Life members.

Operating model

Revenue model
Earned-program. 66% of the money available for current operations came from fees and other program revenue.
Distribution model
Member-benefit provider. The nonprofit used 78% of its reported program spending for member benefits.

The verdict

STRONG - A large share of available resources goes toward mission work and the filed numbers largely add up. Expenses are high relative to revenue and some filing-based governance responses are negative or unanswered.

Rating breakdown

  • Financial Efficiency: 86
  • Transparency & Controls: 69
  • Accountability: 95
  • Sustainability: 57
  • Growth: 100

Detailed rating inputs

Financial Efficiency

  • Mission deployment rate: 94.2%; rating input score 94
  • Program expense ratio: 100%; rating input score 100
  • Fundraising efficiency: Limited

Transparency & Controls

  • Consistency checks: 92.9%; rating input score 93; 17th percentile among comparable filings
  • Pay-setting controls: 1 of 6 controls in place; rating input score 17
    • Compensation committee: Missing
    • Independent consultant: Missing
    • Other Form 990s reviewed: Missing
    • Written employment contract: Missing
    • Compensation survey or study: Missing
    • Board or committee approval: Pass
  • Foreign activity oversight: Limited
  • Grant itemization coverage: 95.1%; rating input score 95; 27th percentile among comparable filings
  • Major donor itemization: Limited
  • Related-party transparency: Limited

Accountability

  • Independent voting board: 100%; rating input score 100; 77th percentile among comparable filings
  • Governance controls: 8 of 9 controls in place; rating input score 89
    • Conflict-of-interest policy: Pass
    • Whistleblower policy: Pass
    • Document-retention policy: Pass
    • CEO compensation review process: Pass
    • Other executive compensation review process: Pass
    • Form 990 shared with the board: Fail
    • Board meeting minutes documented: Pass
    • Audit committee oversight: Pass
    • Independent financial-statement audit: Pass

Sustainability

  • Operating margin: 4.6%; rating input score 55; 55th percentile among comparable filings
  • Total-asset coverage ratio: 7.55; rating input score 89; 89th percentile among comparable filings
  • Liabilities to assets ratio: 0.97; rating input score 8; 8th percentile among comparable filings
  • Officer compensation ratio: 3.1%; rating input score 36; 36th percentile among comparable filings

Growth

  • Program expense growth: 0.7% per year; rating input score 100; 9th percentile among comparable filings
  • Revenue growth: 0.6% per year; rating input score 100; 7th percentile among comparable filings
  • Asset growth: 5.1% per year; rating input score 100; 37th percentile among comparable filings

Details

  • What they do: 3 programs and campaigns described on the official site · 1 operating location identified
  • Where the money goes: 94.2% of revenue deployed · 100% of spending went to programs
  • Governance: 9 of 9 board members independent · 8 of 9 filing controls reported
  • Programs: 1 filed program accomplishment · $67.5M in reported program spending
  • Leadership: top reported pay $478K · 14 people listed · 1 of 6 pay-setting controls reported
  • Highest-paid contractors: 5 contractors listed · $2.6M reported
  • Consistency: 32 of 33 current checks pass · 1 finding to review
  • Schedules: 5 filed schedules · includes grants and executive pay
  • Filing history: 15 filing years from 2010 to 2024
  • Contacts: How to reach this organization
  • Money network: 15 filed money-flow records
  • Related organizations: 2 filed related-organization links
  • Grant readiness: Federal tax and exclusion status, award history, and grant-maker relationships.
  • People: Everyone the filings name, and which of them the filings identify by more than a name.
  • Staff and benefit plans: Retirement and health plans the organization files with the Department of Labor, and the people in them.

Key Signals

Signals prioritize questions for review. They are not findings of misconduct.

  • Review — Sustainability: Operating margin scored 55/100.
  • Review — Accountability: Governance controls: Form 990 shared with the board not reported.
  • High — Sustainability: Liabilities to assets ratio scored 8/100.
  • Review — Transparency & Controls: Domestic grant itemization did not reconcile in the filed values.
  • Moderate — Sustainability: Officer compensation ratio scored 36/100.