Is Afl Cio Mutual Benefit Plan Legit? —…

Spending Breakdown

How Afl Cio Mutual Benefit Plan allocates its funds across programs, administration, and fundraising.

90%

Program Spending

Healthy — majority goes to mission

10%

Admin Costs

Reasonable — admin costs in check

Fundraising

Within typical range

How to read this: Well-run charities typically spend 75% or more on programs, keep admin under 25%, and fundraising under 15%. A high program ratio means more of every dollar goes directly to the mission.

How to Interpret This Report

What Red Flags Mean

Red flags are potential warning signs identified by AI analysis of IRS 990 filings. They may indicate issues like declining revenue, high executive pay relative to program spending, lack of transparency, or governance concerns. A single red flag does not necessarily mean an organization is untrustworthy, but multiple flags warrant further investigation before donating.

What Mission Score Measures

The Mission Score (0-100) evaluates how effectively a nonprofit fulfills its stated purpose. It combines multiple factors: program spending efficiency (how much goes to programs vs. overhead), financial health and sustainability, governance quality, transparency in reporting, and consistency of operations over time. A score of 70+ indicates strong alignment with the organization’s mission.

Using This Data for Donation Decisions

Use this report as one input in your decision. Look at the overall Mission Score for a quick assessment, review red flags and strengths for specific concerns, check the spending breakdown to see where money goes, and compare executive compensation to the organization’s size. Consider viewing the full transparency report for deeper analysis, and always verify tax-exempt status with the IRS before making large donations.

Frequently Asked Questions about Afl Cio Mutual Benefit Plan

Is Afl Cio Mutual Benefit Plan a legitimate charity?

Based on AI analysis of IRS 990 filings, Afl Cio Mutual Benefit Plan (EIN: 134237843) appears trustworthy. Mission Score: 90/100. 1 red flag identified, 4 strengths noted.

Is Afl Cio Mutual Benefit Plan a good charity to donate to?

Afl Cio Mutual Benefit Plan has a Mission Score of 90/100. Revenue: $15.0M. Assets: $44.2M. Review the full transparency report for detailed spending breakdown and executive compensation analysis.

What is the EIN for Afl Cio Mutual Benefit Plan?

The Employer Identification Number (EIN) for Afl Cio Mutual Benefit Plan is 134237843. This is the unique tax ID assigned by the IRS.

What is a Mission Score?

The Mission Score is a 0-100 rating that measures how effectively a nonprofit fulfills its stated mission. It factors in program spending efficiency, financial transparency, governance practices, and outcome reporting. Scores above 70 indicate strong mission alignment, 40-69 suggest mixed performance, and below 40 signals potential concerns.

How does Afl Cio Mutual Benefit Plan spend its money?

Afl Cio Mutual Benefit Plan allocates 90% to programs, 10% to administration, and 0% to fundraising. Healthy nonprofits typically spend 75%+ on programs.

How can I verify Afl Cio Mutual Benefit Plan's tax-exempt status?

You can verify Afl Cio Mutual Benefit Plan's tax-exempt status using EIN 134237843 on the IRS Tax Exempt Organization Search (TEOS) at apps.irs.gov/app/eos. You can also request copies of their Form 990 directly from the organization, as they are required by law to provide them upon request.

AI Transparency Report

The Afl Cio Mutual Benefit Plan demonstrates a stable financial position with substantial assets, consistently above $28 million over the past decade, reaching $44,152,595 in the latest filing. While revenue has fluctuated, ranging from $1.5 million to $3.7 million annually, the organization generally maintains a positive net income, indicating sound financial management. For instance, in 2022, revenue was $2,587,438 against expenses of $1,577,957. However, the most recent filing (2023) shows expenses exceeding revenue ($2,429,187 vs. $1,886,408), which warrants monitoring to ensure it's an anomaly rather than a trend.

The organization's spending efficiency appears strong, particularly given the consistent reporting of 0% officer compensation across all available filings. This suggests that a very high proportion of funds are directed towards program services or other operational necessities rather than executive salaries. The NTEE code Y23 (Employee or Membership Benefit Organizations) implies that its primary function is to provide benefits to its members, which aligns with a focus on program spending. The low liabilities relative to assets also indicate good financial health and responsible management of obligations.

Transparency is high regarding executive compensation, with no reported officer compensation. The consistent filing of IRS Form 990s over 12 periods further demonstrates a commitment to public disclosure. The organization's substantial asset base and generally positive financial performance, coupled with zero reported officer compensation, suggest a well-managed and program-focused entity, although the recent deficit in 2023 should be observed.

Is Afl Cio Mutual Benefit Plan Legit?

Verdict: Afl Cio Mutual Benefit Plan appears trustworthy

Red Flags

Strengths