NSS Life

Legal name: National Slovak Society of the USA

Nonprofit profile at a glance

EIN
250687190
IRS 990 coverage
2010–2024
Official website data refreshed
Sep 2026
Forms available
Form 990 2024
Location
Canonsburg, PA, USA
Phone
(724) 731-0094
Rating confidence
Limited

Official website

Reported finances

Revenue
$325,199,717
Expenses
$317,683,705
Assets
$1,836,093,001
Liabilities
$1,737,045,832

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

Leadership & pay

17 people listed

Executive titles in this filing

  • JOSEPH STEFKA JR (PRESIDENT/CEO)

Highest reported compensation

  • JOSEPH STEFKA JR (PRESIDENT/CEO): $415,088 total reported compensation
  • JOSEPH ELLIOTT (HOME OFFICE SALES REPRESENTATIVE): $399,377 total reported compensation
  • LINDA STROM THRU 123124 (SECRETARY/TREASURER/CFO): $395,667 total reported compensation

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

Overview

Mission

The current 'Mission Statement' of the Society was adopted at the Youngstown, OH Convention in 1946.

What it reported doing in 2024

The purpose of the society shall be to operate for the benefit of its members and their beneficiaries by providing contractual benefits to its members through life and annuity products and operating for one or more social, intellectual, educational, charitable, benevolant, fraternal, or patriotic purposes for the benefit of its members, which may also be extended to others acquainted with its members. Life insurance activities and benefits (26,938 certificates in force: $680,006,881 amount of insurance in force).

Operating model

Revenue model
Earned-program. 72% 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: 100
  • Sustainability: 56
  • 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; 68th percentile among comparable filings
  • Pay-setting controls: 5 of 6 controls in place; rating input score 83
    • Compensation committee: Pass
    • Independent consultant: Missing
    • Other Form 990s reviewed: Pass
    • Written employment contract: Pass
    • Compensation survey or study: Pass
    • Board or committee approval: Pass
  • Foreign activity oversight: Limited
  • Grant itemization coverage: 100%; rating input score 100; 77th 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: 9 of 9 controls in place; rating input score 100
    • 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: Pass
    • Board meeting minutes documented: Pass
    • Audit committee oversight: Pass
    • Independent financial-statement audit: Pass

Sustainability

  • Operating margin: 2.3%; rating input score 44; 44th percentile among comparable filings
  • Total-asset coverage ratio: 5.78; rating input score 87; 87th percentile among comparable filings
  • Liabilities to assets ratio: 0.95; rating input score 9; 9th percentile among comparable filings
  • Officer compensation ratio: 0.9%; rating input score 76; 76th percentile among comparable filings

Growth

  • Program expense growth: Limited
  • Revenue growth: 6.4% per year; rating input score 100; 56th percentile among comparable filings
  • Asset growth: 9% per year; rating input score 100; 65th percentile among comparable filings

Details

  • What they do: 7 programs and campaigns described on the official site · 1 operating location identified
  • Where the money goes: Financial trends and filed revenue, expense, asset, and liability detail
  • Governance: 9 of 9 board members independent · 9 of 9 filing controls reported
  • Programs: 1 filed program accomplishment · $317.7M in reported program spending
  • Leadership: top reported pay $415K · 17 people listed · 5 of 6 pay-setting controls reported
  • Highest-paid contractors: 5 contractors listed · $4.3M reported
  • Consistency: 13 of 13 current checks pass
  • Schedules: 6 filed schedules · includes grants and executive pay
  • Filing history: 14 filing years from 2010 to 2024
  • Contacts: How to reach this organization
  • Money network: 18 filed money-flow records
  • Related organizations: 3 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.

  • Moderate — Sustainability: Operating margin scored 44/100.
  • High — Sustainability: Liabilities to assets ratio scored 9/100.