Black Hawk College Health Benefit Plan Tr
Black Hawk College Health Benefit Plan Tr consistently operates with zero liabilities and no officer compensation, maintaining stable finances.
EIN: 161634294 · Moline, IL · NTEE: Y43 · Updated: 2026-03-28
Is Black Hawk College Health Benefit Plan Tr Legit?
Appears Legitimate
Assessment based on IRS 990 filings, spending patterns, and AI analysis. Not a guarantee of legitimacy. Full charity check →
Black Hawk College Health Benefit Plan Tr directs 100% of its spending to programs. This exceeds the industry benchmark of 65%, indicating strong mission focus.
About Black Hawk College Health Benefit Plan Tr
Black Hawk College Health Benefit Plan Tr (EIN: 161634294) is a nonprofit organization based in Moline, IL, classified under NTEE code Y43. The organization reported total revenue of $7.2M and total assets of $1.5M according to its most recent IRS 990 filing. This transparency report provides an AI-powered analysis of Black Hawk College Health Benefit Plan Tr's financial health, spending patterns, executive compensation, and overall mission effectiveness based on publicly available IRS data.
AI Transparency Report
Mission Effectiveness Score
NonprofitSpending's AI analysis rates Black Hawk College Health Benefit Plan Tr with a Mission Score of 95 out of 100 (Excellent). This score reflects the organization's overall financial transparency, program spending efficiency, and governance indicators derived from IRS 990 public filings.
Spending Breakdown
- admin: 0%
- programs: 100%
- fundraising: 0%
According to IRS 990 filings, Black Hawk College Health Benefit Plan Tr allocates its expenses as follows: admin: 0%, programs: 100%, fundraising: 0%. With 100% directed toward programs, this reflects a strong commitment to its charitable mission.
Executive Compensation Analysis
Executive compensation is consistently reported as 0% across all available filings, indicating that the organization does not pay its officers, which is highly unusual for an entity of its revenue size ($7.1M latest revenue) and suggests a volunteer-led or externally managed administrative structure.
Executive compensation data is sourced from IRS 990 filings, which require nonprofits to disclose the compensation of officers, directors, trustees, and key employees. NonprofitSpending analyzes this data relative to the organization's total revenue and sector benchmarks to assess whether executive pay is reasonable.
Strengths
The following positive indicators were identified for Black Hawk College Health Benefit Plan Tr:
- Consistent reporting of $0 liabilities across all filings, indicating strong financial health.
- Zero officer compensation reported, suggesting highly efficient or volunteer-driven administration.
- Stable revenue and expense management, with expenses closely tracking revenue.
- Consistent asset growth over recent years, building reserves for future stability.
- High program spending efficiency, with virtually all expenses directed towards the benefit plan's purpose.
Frequently Asked Questions about Black Hawk College Health Benefit Plan Tr
Is Black Hawk College Health Benefit Plan Tr a legitimate charity?
Based on AI analysis of IRS 990 filings, Black Hawk College Health Benefit Plan Tr (EIN: 161634294) appears legitimate. Mission Score: 95/100. 0 red flags identified, 5 strengths noted.
How does Black Hawk College Health Benefit Plan Tr spend its money?
Black Hawk College Health Benefit Plan Tr directs 100% of its spending to programs and services. The remaining budget covers administration and fundraising costs.
Are donations to Black Hawk College Health Benefit Plan Tr tax-deductible?
Black Hawk College Health Benefit Plan Tr is registered as a tax-exempt nonprofit (EIN: 161634294). Donations to most 501(c)(3) organizations are tax-deductible. Consult a tax professional for your specific situation.
How does Black Hawk College Health Benefit Plan Tr manage its administrative functions without officer compensation?
The consistent reporting of 0% officer compensation across all filings suggests that administrative functions are either handled by volunteers, by staff whose compensation is not categorized as 'officer compensation' on the 990, or through an external management agreement where costs are embedded in other expense categories, or potentially by Black Hawk College itself as part of a broader institutional structure.
What is the primary purpose of this organization given its NTEE code Y43?
The NTEE code Y43 indicates that Black Hawk College Health Benefit Plan Tr is an 'Employee or Member Welfare Benefit Plan.' This means its primary purpose is likely to provide health benefits or other welfare benefits to employees or members associated with Black Hawk College.
How has the organization's asset base changed over time?
The organization's assets have shown consistent growth, from $1,212,673 in 2015 to $1,414,271 in 2023, with a peak of $2,005,549 in 2014. This indicates a healthy accumulation of reserves, likely to ensure the long-term stability of the benefit plan.
Does the organization have any financial liabilities?
No, the organization consistently reports $0 in liabilities across all available IRS 990 filings, indicating a very strong financial position and no outstanding debts.
Filing History
IRS 990 filing history for Black Hawk College Health Benefit Plan Tr showing financial trends over 13 years of public records:
Over 13 years of IRS 990 filings (2011–2023), Black Hawk College Health Benefit Plan Tr's revenue has grown by 29.3%, moving from $5.2M to $6.7M. Total assets decreased by 25.9% over the same period, from $1.9M to $1.4M. Total functional expenses rose by 25.9%, from $5.2M to $6.6M. In its most recent filing year (2023), Black Hawk College Health Benefit Plan Tr reported a surplus of $82K, with revenue exceeding expenses.
| Year | Revenue | Expenses | Assets | Liabilities | Officer Comp. | |
|---|---|---|---|---|---|---|
| 2023 | $6.7M | $6.6M | $1.4M | $0 | — | — |
| 2022 | $6.5M | $6.4M | $1.3M | $0 | — | — |
| 2021 | $5.7M | $5.7M | $1.2M | $0 | — | View 990 |
| 2020 | $5.6M | $5.8M | $1.2M | $0 | — | — |
| 2019 | $6.6M | $6.6M | $1.4M | $0 | — | View 990 |
| 2018 | $5.9M | $5.9M | $1.3M | $0 | — | View 990 |
| 2017 | $5.5M | $5.4M | $1.3M | $0 | — | — |
| 2016 | $6.2M | $6.1M | $1.3M | $0 | — | View 990 |
| 2015 | $5.1M | $5.9M | $1.2M | $0 | — | View 990 |
| 2014 | $6.3M | $6.0M | $2.0M | $0 | — | View 990 |
| 2013 | $5.4M | $5.7M | $1.7M | $0 | — | View 990 |
| 2012 | $5.6M | $5.5M | $2.0M | $0 | — | View 990 |
| 2011 | $5.2M | $5.2M | $1.9M | $0 | — | View 990 |
Year-by-Year Financial Summary
- 2023: Revenue of $6.7M, expenses of $6.6M, and assets of $1.4M (revenue +2.3% year-over-year).
- 2022: Revenue of $6.5M, expenses of $6.4M, and assets of $1.3M (revenue +14.1% year-over-year).
- 2021: Revenue of $5.7M, expenses of $5.7M, and assets of $1.2M (revenue +1.6% year-over-year).
- 2020: Revenue of $5.6M, expenses of $5.8M, and assets of $1.2M (revenue -15.3% year-over-year).
- 2019: Revenue of $6.6M, expenses of $6.6M, and assets of $1.4M (revenue +12.6% year-over-year).
- 2018: Revenue of $5.9M, expenses of $5.9M, and assets of $1.3M (revenue +7.5% year-over-year).
- 2017: Revenue of $5.5M, expenses of $5.4M, and assets of $1.3M (revenue -10.8% year-over-year).
- 2016: Revenue of $6.2M, expenses of $6.1M, and assets of $1.3M (revenue +19.8% year-over-year).
- 2015: Revenue of $5.1M, expenses of $5.9M, and assets of $1.2M (revenue -18.9% year-over-year).
- 2014: Revenue of $6.3M, expenses of $6.0M, and assets of $2.0M (revenue +16.6% year-over-year).
- 2013: Revenue of $5.4M, expenses of $5.7M, and assets of $1.7M (revenue -3.7% year-over-year).
- 2012: Revenue of $5.6M, expenses of $5.5M, and assets of $2.0M (revenue +9.2% year-over-year).
- 2011: Revenue of $5.2M, expenses of $5.2M, and assets of $1.9M.
Data Sources and Methodology
This transparency report for Black Hawk College Health Benefit Plan Tr is generated by NonprofitSpending's AI analysis engine. The data is sourced from publicly available IRS 990 filings accessed through the ProPublica Nonprofit Explorer API and IRS electronic filing records. The Mission Score, spending breakdown, and other analytical insights are produced by artificial intelligence and should be used as one of multiple factors when evaluating a nonprofit organization.
IRS 990 forms are annual information returns that most tax-exempt organizations must file with the IRS. These forms provide detailed financial information including revenue, expenses, assets, liabilities, and compensation of officers. NonprofitSpending processes this data to provide accessible transparency reports for donors, researchers, and the general public.
Disclaimer
AI-generated analysis based on IRS public records. Not financial or legal advice. Verify information directly with the organization.