Diocese Of St Cloud Non Erisa Health Benefit Plan
Diocese Of St Cloud Health Benefit Plan consistently covers expenses with zero liabilities, maintaining strong asset base.
EIN: 204234511 · Saint Cloud, MN · NTEE: Y43 · Updated: 2026-03-28
| Metric | Value |
|---|---|
| Total Revenue | $5.3M |
| Total Expenses | $5.7M |
| Program Spending | 95% |
| Net Assets | $2.4M |
| Transparency Score | 90/100 |
Is Diocese Of St Cloud Non Erisa Health Benefit Plan Legit?
Appears Legitimate
Assessment based on IRS 990 filings, spending patterns, and AI analysis. Not a guarantee of legitimacy. Full charity check →
Diocese Of St Cloud Non Erisa Health Benefit Plan directs 95% of its spending to programs. This exceeds the industry benchmark of 65%, indicating strong mission focus.
About Diocese Of St Cloud Non Erisa Health Benefit Plan
Diocese Of St Cloud Non Erisa Health Benefit Plan (EIN: 204234511) is a nonprofit organization based in Saint Cloud, MN, classified under NTEE code Y43. The organization reported total revenue of $5.3M and total assets of $1.4M according to its most recent IRS 990 filing. This transparency report provides an AI-powered analysis of Diocese Of St Cloud Non Erisa Health Benefit Plan's financial health, spending patterns, executive compensation, and overall mission effectiveness based on publicly available IRS data.
Organization Overview
Diocese Of St Cloud Non Erisa Health Benefit Plan is a mid-size nonprofit that has been operating for 18 years, with 13 years of IRS 990 filings on record (2011–2023). Revenue has grown at a compound annual rate of -0.3%.
Key Financial Metrics (2023)
From the most recent IRS 990 filing on record:
| Total Revenue | $6.0M |
| Total Expenses | $5.7M |
| Surplus / Deficit | +$311K |
| Total Assets | $2.4M |
| Net Assets | $2.4M |
| Operating Margin | 5.2% |
| Months of Reserves | 5.2 months |
Financial Health Grade: A
In 2023, Diocese Of St Cloud Non Erisa Health Benefit Plan reported a surplus of $311K with revenue exceeding expenses, holds 5.2 months of operating reserves (adequate).
Financial Trends
Over 13 years of filings (2011–2023), Diocese Of St Cloud Non Erisa Health Benefit Plan's revenue has declined at a compound annual growth rate (CAGR) of -0.3%.
| Year | Revenue Change | Expense Change | Asset Change |
|---|---|---|---|
| 2023 | +2.6% | -7.1% | +14.6% |
| 2022 | +8.3% | +5.9% | -11.4% |
| 2021 | +9.1% | +32.6% | -13.7% |
| 2020 | +1.3% | -6.8% | +26.8% |
| 2019 | -15.9% | -14.3% | +10.5% |
IRS Tax-Exempt Classification
| IRS Classification Codes | 1000 |
| IRS Ruling Date | 2008 |
Classification data from ProPublica Nonprofit Explorer. Additional BMF data may be available after enrichment.
AI Transparency Report
Mission Effectiveness Score
NonprofitSpending's AI analysis rates Diocese Of St Cloud Non Erisa Health Benefit Plan with a Mission Score of 90 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: 5%
- programs: 95%
- fundraising: 0%
According to IRS 990 filings, Diocese Of St Cloud Non Erisa Health Benefit Plan allocates its expenses as follows: admin: 5%, programs: 95%, fundraising: 0%. With 95% directed toward programs, this reflects a strong commitment to its charitable mission.
Key Financial Metrics (2023)
From the most recent IRS 990 filing on record:
- The organization reported a surplus of $311K, with revenue exceeding expenses.
Executive Compensation Analysis
The organization consistently reports 0% officer compensation across all available filings, suggesting that executive compensation is either non-existent, paid by a related entity, or falls below reporting thresholds, indicating a highly efficient or externally supported administrative cost 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 Diocese Of St Cloud Non Erisa Health Benefit Plan:
- Consistent positive asset base, reaching $2,437,896 in 2023.
- Zero reported liabilities across all available filings, indicating strong financial health.
- Consistent reporting of 0% officer compensation, suggesting high administrative efficiency.
- Regular IRS 990 filings over 13 periods demonstrate transparency.
- Ability to manage revenue and expenses to maintain solvency despite annual fluctuations.
Frequently Asked Questions about Diocese Of St Cloud Non Erisa Health Benefit Plan
Is Diocese Of St Cloud Non Erisa Health Benefit Plan a legitimate charity?
Based on AI analysis of IRS 990 filings, Diocese Of St Cloud Non Erisa Health Benefit Plan (EIN: 204234511) appears legitimate. Mission Score: 90/100. 0 red flags identified, 5 strengths noted.
How does Diocese Of St Cloud Non Erisa Health Benefit Plan spend its money?
Diocese Of St Cloud Non Erisa Health Benefit Plan directs 95% of its spending to programs and services. The remaining budget covers administration and fundraising costs.
Are donations to Diocese Of St Cloud Non Erisa Health Benefit Plan tax-deductible?
Diocese Of St Cloud Non Erisa Health Benefit Plan is registered as a tax-exempt nonprofit (EIN: 204234511). Donations to most 501(c)(3) organizations are tax-deductible. Consult a tax professional for your specific situation.
How does Diocese Of St Cloud Non Erisa Health Benefit Plan compare to similar nonprofits?
With a transparency score of 90/100 (Excellent), Diocese Of St Cloud Non Erisa Health Benefit Plan is above average for NTEE category Y43 nonprofits. The score reflects financial transparency, program spending efficiency, and governance quality based on IRS 990 data.
Where is Diocese Of St Cloud Non Erisa Health Benefit Plan located?
Diocese Of St Cloud Non Erisa Health Benefit Plan is headquartered in Saint Cloud, Minnesota and files with the IRS under EIN 204234511. It is classified under NTEE code Y43.
How many years of IRS 990 filings does Diocese Of St Cloud Non Erisa Health Benefit Plan have?
Diocese Of St Cloud Non Erisa Health Benefit Plan has 13 years of IRS 990 filings on record at NonprofitSpending. This extensive filing history provides a strong basis for evaluating long-term financial trends. The most recent filing shows $5.3M in total revenue.
How does the organization manage its reserves given the fluctuations in annual revenue and expenses?
The organization consistently maintains positive assets, reaching $2,437,896 in 2023, and reports $0 in liabilities, indicating a strong reserve position to absorb periods of deficit spending, such as in 2022 and 2021.
What constitutes the 'program' spending for a health benefit plan?
For a health benefit plan, 'program' spending primarily refers to the direct payment of health benefits and claims to participants, which would account for the vast majority of its expenses.
Why is officer compensation consistently reported as 0%?
The consistent reporting of 0% officer compensation suggests that either the organization's officers are uncompensated, their compensation is paid by a related entity and not directly by this specific plan, or the compensation amounts are below the IRS reporting thresholds for individual officers.
Filing History
IRS 990 filing history for Diocese Of St Cloud Non Erisa Health Benefit Plan showing financial trends over 13 years of public records:
Over 13 years of IRS 990 filings (2011–2023), Diocese Of St Cloud Non Erisa Health Benefit Plan's revenue has declined by 4%, moving from $6.2M to $6.0M. Total assets increased by 46.5% over the same period, from $1.7M to $2.4M. Total functional expenses rose by 9.4%, from $5.2M to $5.7M. In its most recent filing year (2023), Diocese Of St Cloud Non Erisa Health Benefit Plan reported a surplus of $311K, with revenue exceeding expenses.
| Year | Revenue | Expenses | Assets | Liabilities | Officer Comp. % | |
|---|---|---|---|---|---|---|
| 2023 | $6.0M | $5.7M | $2.4M | $0 | — | View 990 |
| 2022 | $5.8M | $6.1M | $2.1M | $0 | — | View 990 |
| 2021 | $5.4M | $5.8M | $2.4M | $0 | — | — |
| 2020 | $4.9M | $4.4M | $2.8M | $0 | — | — |
| 2019 | $4.9M | $4.7M | $2.2M | $0 | — | View 990 |
| 2018 | $5.8M | $5.4M | $2.0M | $0 | — | View 990 |
| 2017 | $5.8M | $5.4M | $1.6M | $0 | — | View 990 |
| 2016 | $5.3M | $5.4M | $1.2M | $0 | — | View 990 |
| 2015 | $5.0M | $5.3M | $1.3M | $0 | — | View 990 |
| 2014 | $4.8M | $5.1M | $1.6M | $0 | — | View 990 |
| 2013 | $4.5M | $5.1M | $1.9M | $0 | — | View 990 |
| 2012 | $5.1M | $4.2M | $2.5M | $0 | — | View 990 |
| 2011 | $6.2M | $5.2M | $1.7M | $0 | — | View 990 |
Year-by-Year Financial Summary
- 2023: Revenue of $6.0M, expenses of $5.7M, and assets of $2.4M (revenue +2.6% year-over-year).
- 2022: Revenue of $5.8M, expenses of $6.1M, and assets of $2.1M (revenue +8.3% year-over-year).
- 2021: Revenue of $5.4M, expenses of $5.8M, and assets of $2.4M (revenue +9.1% year-over-year).
- 2020: Revenue of $4.9M, expenses of $4.4M, and assets of $2.8M (revenue +1.3% year-over-year).
- 2019: Revenue of $4.9M, expenses of $4.7M, and assets of $2.2M (revenue -15.9% year-over-year).
- 2018: Revenue of $5.8M, expenses of $5.4M, and assets of $2.0M (revenue -0.1% year-over-year).
- 2017: Revenue of $5.8M, expenses of $5.4M, and assets of $1.6M (revenue +10.2% year-over-year).
- 2016: Revenue of $5.3M, expenses of $5.4M, and assets of $1.2M (revenue +4.8% year-over-year).
- 2015: Revenue of $5.0M, expenses of $5.3M, and assets of $1.3M (revenue +4.8% year-over-year).
- 2014: Revenue of $4.8M, expenses of $5.1M, and assets of $1.6M (revenue +7.2% year-over-year).
- 2013: Revenue of $4.5M, expenses of $5.1M, and assets of $1.9M (revenue -11.4% year-over-year).
- 2012: Revenue of $5.1M, expenses of $4.2M, and assets of $2.5M (revenue -18.9% year-over-year).
- 2011: Revenue of $6.2M, expenses of $5.2M, and assets of $1.7M.
View Individual Filing Years
Explore detailed financial data from each IRS 990 filing year for Diocese Of St Cloud Non Erisa Health Benefit Plan:
Data Sources and Methodology
This transparency report for Diocese Of St Cloud Non Erisa Health Benefit Plan 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.