Retiree Medical And Life Insurance Plan For Former Consumers And Amer
Retiree Medical And Life Insurance Plan consistently operates with zero officer compensation, drawing down assets in recent years to cover expenses.
EIN: 10520871 · Bryn Mawr, PA · Updated: 2026-03-28
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Retiree Medical And Life Insurance Plan For Former Consumers And Amer is mapped to EIN 10520871.
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| Metric | Value |
|---|---|
| Total Revenue | $3.7M |
| Total Expenses | $528K |
| Program Spending | 90% |
| Net Assets | $7.4M |
| Transparency Score | 85/100 |
Search Intent Cockpit
Retiree Medical And Life Insurance Plan For Former Consumers And Amer Form 990, Revenue, CEO Pay, and IRS Filing Signals
Retiree Medical And Life Insurance Plan For Former Consumers And Amer is surfaced here as a decision-ready nonprofit financial profile, not just a charity listing. The page consolidates IRS Form 990 revenue, expenses, assets, tax-exempt classification, executive compensation, mission score, red flags, and year-by-year filing history so donors, researchers, journalists, and grant teams can answer the common search questions around Retiree Medical And Life Insurance Plan For Former Consumers And Amer in one place.
Form 990 Filing Summary
14 filing years are available, with latest revenue of $290K and expenses of $528K.
Revenue and Expenses
Retiree Medical And Life Insurance Plan For Former Consumers And Amer reported $290K in revenue and $528K in expenses, a deficit of $238K.
Executive Compensation
Officer, director, trustee, and key employee pay is reviewed from IRS 990 compensation disclosures when present.
Charity Score and Red Flags
85/100 mission score, 2 red flags, and 4 strengths are shown from structured and AI review.
Is Retiree Medical And Life Insurance Plan For Former Consumers And Amer Legit?
Some Concerns
Assessment based on IRS 990 filings, spending patterns, and AI analysis. Not a guarantee of legitimacy. Full charity check →
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Where the Money Comes From and Where It Goes
Revenue Source Mix
Revenue-source line items are not available on the stored filing yet. Future ingestion now preserves contribution, program-revenue, and investment-income fields when ProPublica provides them.
Expense Deployment
| Program services | $476K (90%) |
Across stored filings, Retiree Medical And Life Insurance Plan For Former Consumers And Amer shows contribution history pending. Next enrichment targets: revenue-source fields, IRS BMF classification.
Decision Cockpit
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| Decision Lens | Signal | What to Inspect Next |
|---|---|---|
| Legitimacy | Some Concerns | Good filing record; 2 red flags identified |
| Mission spend | 90% to programs | Excellent |
| Financial durability | Grade B | 14 stored filing years |
| Peer context | Compare with The Garage Community And Youth Center | Pennsylvania and category context |
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Retiree Medical And Life Insurance Plan For Former Consumers And Amer directs 90% of its spending to programs. This exceeds the industry benchmark of 65%, indicating strong mission focus.
About Retiree Medical And Life Insurance Plan For Former Consumers And Amer
Retiree Medical And Life Insurance Plan For Former Consumers And Amer (EIN: 10520871) is a nonprofit organization based in Bryn Mawr, PA. The organization reported total revenue of $3.7M and total assets of $7.1M according to its most recent IRS 990 filing. This transparency report provides an AI-powered analysis of Retiree Medical And Life Insurance Plan For Former Consumers And Amer's financial health, spending patterns, executive compensation, and overall mission effectiveness based on publicly available IRS data.
Organization Overview
Retiree Medical And Life Insurance Plan For Former Consumers And Amer is a mid-size nonprofit that has been operating for 28 years, with 14 years of IRS 990 filings on record (2010–2023). Revenue has grown at a compound annual rate of -5.6%.
Key Financial Metrics (2023)
From the most recent IRS 990 filing on record:
| Total Revenue | $290K |
| Total Expenses | $528K |
| Surplus / Deficit | $-238,240 |
| Total Assets | $7.4M |
| Net Assets | $7.4M |
| Operating Margin | -82.1% |
| Months of Reserves | 168.9 months |
Financial Health Grade: B
In 2023, Retiree Medical And Life Insurance Plan For Former Consumers And Amer reported a deficit of $238K with expenses exceeding revenue, holds 168.9 months of operating reserves (strong position).
Financial Trends
Over 14 years of filings (2010–2023), Retiree Medical And Life Insurance Plan For Former Consumers And Amer's revenue has declined at a compound annual growth rate (CAGR) of -5.6%.
| Year | Revenue Change | Expense Change | Asset Change |
|---|---|---|---|
| 2023 | +1.1% | +3.8% | +6.8% |
| 2022 | -53.6% | -17.9% | -24.9% |
| 2021 | +47.8% | -39.1% | +47.5% |
| 2020 | +60.9% | +166.7% | -8.8% |
| 2019 | -19.6% | -62.1% | -1.9% |
IRS Tax-Exempt Classification
| IRS Classification Codes | 1000 |
| IRS Ruling Date | 1998 |
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 Retiree Medical And Life Insurance Plan For Former Consumers And Amer with a Mission Score of 85 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: 10%
- programs: 90%
- fundraising: 0%
According to IRS 990 filings, Retiree Medical And Life Insurance Plan For Former Consumers And Amer allocates its expenses as follows: admin: 10%, programs: 90%, fundraising: 0%. With 90% 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 deficit of $238K, with expenses exceeding revenue.
Executive Compensation Analysis
The organization consistently reports 0% officer compensation across all available filings, indicating that its leadership is either entirely volunteer-based or compensated through an external entity, which is a strong positive for minimizing administrative overhead related to executive pay.
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.
Red Flags
The following concerns were identified during AI analysis of Retiree Medical And Life Insurance Plan For Former Consumers And Amer's IRS 990 filings:
- Consistent expense exceeding revenue in recent years (e.g., 2023, 2022, 2020, 2018, 2017), indicating reliance on asset drawdowns.
- Unknown NTEE code, which limits peer comparison and understanding of its specific programmatic focus.
Strengths
The following positive indicators were identified for Retiree Medical And Life Insurance Plan For Former Consumers And Amer:
- Consistent reporting of 0% officer compensation, indicating efficient use of funds and potentially volunteer leadership.
- Substantial asset base ($7,435,515 in 2023) providing financial stability for long-term commitments.
- Absence of liabilities in most filing periods, including the latest 2023 filing, demonstrating strong financial health and minimal debt.
- Regular filing of IRS Form 990s, indicating good transparency and compliance.
Frequently Asked Questions about Retiree Medical And Life Insurance Plan For Former Consumers And Amer
Is Retiree Medical And Life Insurance Plan For Former Consumers And Amer a legitimate charity?
Retiree Medical And Life Insurance Plan For Former Consumers And Amer (EIN: 10520871) is a registered tax-exempt nonprofit based in Pennsylvania. Our AI analysis gives it a Mission Score of 85/100. It has 14 years of IRS 990 filings on record. Total revenue: $3.7M. 2 red flags identified. 4 strengths noted. Financial health grade: B.
How does Retiree Medical And Life Insurance Plan For Former Consumers And Amer spend its money?
Retiree Medical And Life Insurance Plan For Former Consumers And Amer directs 90% of its spending to programs and services. This exceeds the 65% industry benchmark.
Are donations to Retiree Medical And Life Insurance Plan For Former Consumers And Amer tax-deductible?
Retiree Medical And Life Insurance Plan For Former Consumers And Amer is registered as a tax-exempt nonprofit (EIN: 10520871). Donations to most 501(c)(3) organizations are tax-deductible. Consult a tax professional for your specific situation.
Where is Retiree Medical And Life Insurance Plan For Former Consumers And Amer located?
Retiree Medical And Life Insurance Plan For Former Consumers And Amer is headquartered in Bryn Mawr, Pennsylvania and files with the IRS under EIN 10520871.
How many years of IRS 990 filings does Retiree Medical And Life Insurance Plan For Former Consumers And Amer have?
Retiree Medical And Life Insurance Plan For Former Consumers And Amer has 14 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 $3.7M in total revenue.
How does the organization fund its operations when expenses exceed revenue, as seen in 2023 ($528,353 expenses vs. $290,113 revenue)?
The organization appears to be drawing down on its accumulated assets to cover expenses when revenue falls short, which is common for benefit plans designed to disburse funds over time. Its assets of $7,435,515 in 2023 provide a substantial buffer.
What specific benefits are provided by the 'Retiree Medical And Life Insurance Plan'?
Based on the name, the organization provides medical and life insurance benefits to former employees of Consumers and Amer. Further details would require reviewing the organization's specific plan documents or detailed 990 schedules.
Is the consistent zero officer compensation sustainable, and how is the organization managed?
Zero officer compensation suggests a volunteer board or management through an external service provider. This model is sustainable as long as the organization can secure competent leadership and administrative support without direct compensation from its own funds.
Why is the NTEE code unknown for this organization?
An unknown NTEE code can occur for various reasons, including the organization not self-classifying or the data not being publicly available. It limits the ability to compare its financial metrics against similar organizations.
Filing History
IRS 990 filing history for Retiree Medical And Life Insurance Plan For Former Consumers And Amer showing financial trends over 14 years of public records:
Over 14 years of IRS 990 filings (2010–2023), Retiree Medical And Life Insurance Plan For Former Consumers And Amer's revenue has declined by 53%, moving from $617K to $290K. Total assets increased by 101.3% over the same period, from $3.7M to $7.4M. Total functional expenses rose by 47.1%, from $359K to $528K. In its most recent filing year (2023), Retiree Medical And Life Insurance Plan For Former Consumers And Amer reported a deficit of $238K, with expenses exceeding revenue.
| Year | Revenue | Expenses | Assets | Liabilities | Officer Comp. % | |
|---|---|---|---|---|---|---|
| 2023 | $290K | $528K | $7.4M | $0 | — | — |
| 2022 | $287K | $509K | $7.0M | $245K | — | View 990 |
| 2021 | $619K | $620K | $9.3M | $142K | — | View 990 |
| 2020 | $418K | $1.0M | $6.3M | $0 | — | — |
| 2019 | $260K | $382K | $6.9M | $0 | — | View 990 |
| 2018 | $323K | $1.0M | $7.0M | $0 | — | View 990 |
| 2017 | $2.3M | $3.4M | $7.7M | $0 | — | View 990 |
| 2016 | $533K | $825K | $8.6M | $0 | — | View 990 |
| 2015 | $701K | $750K | $8.9M | $0 | — | View 990 |
| 2014 | $809K | $732K | $9.0M | $0 | — | View 990 |
| 2013 | $1.0M | $529K | $8.9M | $0 | — | View 990 |
| 2012 | $5.1M | $595K | $8.4M | $0 | — | View 990 |
| 2011 | $547K | $347K | $3.9M | $0 | — | View 990 |
| 2010 | $617K | $359K | $3.7M | $0 | — | View 990 |
Year-by-Year Financial Summary
- 2023: Revenue of $290K, expenses of $528K, and assets of $7.4M (revenue +1.1% year-over-year).
- 2022: Revenue of $287K, expenses of $509K, and assets of $7.0M (revenue -53.6% year-over-year).
- 2021: Revenue of $619K, expenses of $620K, and assets of $9.3M (revenue +47.8% year-over-year).
- 2020: Revenue of $418K, expenses of $1.0M, and assets of $6.3M (revenue +60.9% year-over-year).
- 2019: Revenue of $260K, expenses of $382K, and assets of $6.9M (revenue -19.6% year-over-year).
- 2018: Revenue of $323K, expenses of $1.0M, and assets of $7.0M (revenue -86.0% year-over-year).
- 2017: Revenue of $2.3M, expenses of $3.4M, and assets of $7.7M (revenue +332.9% year-over-year).
- 2016: Revenue of $533K, expenses of $825K, and assets of $8.6M (revenue -23.9% year-over-year).
- 2015: Revenue of $701K, expenses of $750K, and assets of $8.9M (revenue -13.4% year-over-year).
- 2014: Revenue of $809K, expenses of $732K, and assets of $9.0M (revenue -19.7% year-over-year).
- 2013: Revenue of $1.0M, expenses of $529K, and assets of $8.9M (revenue -80.3% year-over-year).
- 2012: Revenue of $5.1M, expenses of $595K, and assets of $8.4M (revenue +836.1% year-over-year).
- 2011: Revenue of $547K, expenses of $347K, and assets of $3.9M (revenue -11.4% year-over-year).
- 2010: Revenue of $617K, expenses of $359K, and assets of $3.7M.
View Individual Filing Years
Explore detailed financial data from each IRS 990 filing year for Retiree Medical And Life Insurance Plan For Former Consumers And Amer:
Data Sources and Methodology
This transparency report for Retiree Medical And Life Insurance Plan For Former Consumers And Amer 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.