Midwest Employee Benefit Funds Coalition Inc
Nonprofit profile at a glance
- EIN
- 364015854
- IRS 990 coverage
- 2010–2025
- Forms available
- Form 990 2025
- Location
- Countryside, IL, USA
- Phone
- 7086399004
- Rating confidence
- Limited
Reported finances
- Revenue
- $866,836
- Expenses
- $668,775
- Assets
- $821,413
- Liabilities
- $15,462
Source: IRS Form 990. Selected filing: tax year 2025. Amounts in USD.
Leadership & pay
74 people listed
Executive titles in this filing
- TERRY ROCCO (FORMER EXECUTIVE DIRECTOR)
- JENNIFER GAMBERALE (EXECUTIVE DIRECTOR)
Highest reported compensation
- JENNIFER GAMBERALE (EXECUTIVE DIRECTOR): $111,134 total reported compensation
- TERRY ROCCO (FORMER EXECUTIVE DIRECTOR): $3,203 total reported compensation
Source: IRS Form 990. Selected filing: tax year 2025. Names and roles reflect this filing, not necessarily current officeholders.
Overview
Mission
The mebfc is committed to enhancing the lives of our members and their families by negotiating affordable health care solutions.
What it reported doing in 2025
To develop plans and programs for aiding the provision of health related benefits to members on the best terms available.
Operating model
- Revenue model
- Earned-program. 97% of the money available for current operations came from fees and other program revenue.
- Distribution model
- Cannot be determined from the filing. The filing does not provide enough consistent spending detail to tell whether the nonprofit works directly or through others.
The verdict
- The available evidence is not sufficient to produce an overall rating for this filing. This is not a warning sign.
Rating breakdown
- Financial Efficiency: NotEnoughData
- Transparency & Controls: 90
- Accountability: 90
- Sustainability: 59
- Growth: 60
Detailed rating inputs
Financial Efficiency
- Mission deployment rate: Limited
- Program expense ratio: Limited
- Fundraising efficiency: Limited
Transparency & Controls
- Consistency checks: 100%; rating input score 100; 63rd percentile among comparable filings
- Pay-setting controls: Limited
- Foreign activity oversight: Limited
- Grant itemization coverage: Limited
- Major donor itemization: Limited
- Related-party transparency: Limited
Accountability
- Independent voting board: 100%; rating input score 100; 64th percentile among comparable filings
- Governance controls: 6 of 8 controls in place; rating input score 75
- Conflict-of-interest policy: Pass
- Whistleblower policy: Fail
- Document-retention policy: Fail
- CEO compensation review process: Pass
- Other executive compensation review process: NotApplicable
- Form 990 shared with the board: Pass
- Board meeting minutes documented: Pass
- Audit committee oversight: Pass
- Independent financial-statement audit: Pass
Sustainability
- Operating margin: 22.8%; rating input score 75; 75th percentile among comparable filings
- Total-asset coverage ratio: 1.23; rating input score 49; 49th percentile among comparable filings
- Liabilities to assets ratio: 0.02; rating input score 54; 54th percentile among comparable filings
- Officer compensation ratio: 17.1%; rating input score 21; 21st percentile among comparable filings
Growth
- Program expense growth: Limited
- Revenue growth: 7.3% per year; rating input score 100; 50th percentile among comparable filings
- Asset growth: 13.2% per year; rating input score 100; 65th percentile among comparable filings
Details
- Where the money goes: Financial trends and filed revenue, expense, asset, and liability detail
- Governance: 49 of 49 board members independent · 6 of 8 filing controls reported
- Programs: 1 filed program accomplishment
- Leadership: top reported pay $111K · 74 people listed
- Consistency: 13 of 13 current checks pass
- Schedules: 3 filed schedules
- Filing history: 15 filing years from 2010 to 2025
- Contacts: How to reach this organization
- Money network: 1 filed money-flow record
- 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.
Key Signals
Signals prioritize questions for review. They are not findings of misconduct.
- Review — Accountability: Governance controls: 2 of 8 not reported.
- Moderate — Sustainability: Total-asset coverage ratio scored 49/100.
- High — Sustainability: Officer compensation ratio scored 21/100.
- Review — Sustainability: Liabilities to assets ratio scored 54/100.