Uniformed Services Benefit Association

Not tax-deductible

Overland Park, KSMutual-benefit / member-servingMutual/MembershipEIN 43-1912641Revenue $5.5M in FY2025

On file with the IRSusba.comPo Box 25956, 66225-5956 · Overland Park, KSTax-exempt since May 2001

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Provides affordable insurance & financial products & Services to military personnel, federal employees, national guard & reserve member, former military & their families

Run by 6 volunteers and 39 employees.
Mission: Form 990 Part I, line 1 · People: Part I, lines 5–6

Before you give

FY2025 · Form 990Independent: from IRS data, not the org
Download 990
Tax-deductible gifts
No
Donations are not tax-deductible
Worth a look: the IRS does not list gifts to it as deductible.
IRS Pub. 78 · IRS BMF
Latest return
FY2025
latest Form 990
Looks good: the latest return is for FY2025, 1 tax year back; within 2 tax years.
IRS e-file · Filing history
Surplus or deficit
6 of 6
filings with a surplus
Average surplus $667K a year · 11% of revenue · last 6 filings
Looks good: a surplus in 6 of the last 6 filings.
Pt I · Ln 19 · 6 filings
Spent on programs
0%
of spending
Concern: 0% of spending went to programs; under 50%.
Pt IX · Ln 25 · col B
Pay to officers and key staff
$983K
to officers and key staff · 20% of spending
Top officer’s pay higher than 96% of similar orgs
Fine: pay to officers and key staff is 20% of spending; 15% to 20%.
Pt VII · Sec A
Cash reserves
3 mo
of spending, in cash
Looks good: 3.4 months of spending in cash; 3 or more.
Pt X · Ln 1–2 · Pt I · Ln 18
Liabilities
$4.8M
49% of total assets
Looks good: liabilities are 49% of assets; 50% or less.
Pt X · Ln 26
Independent board members
4
of 5 voting members
Looks good: 4 of 5 voting members are independent, a majority.
Pt VI · Ln 1a–1b
Looks goodFineWorth a lookConcernNo data yetTap a box for the reason.
Revenue
$5.5M
+1.0% vs prior year
Spent
$5.0M
To programs
0%
Net assets
$5.0M
By yearFY2020–FY2025
Revenue
$5.5M
FY2025▲ +1.0%
Tap a bar for its year
Revenue by fiscal year
FY2020$6.3M
FY2021$6.2M
FY2022$6.0M
FY2023$5.5M
FY2024$5.5M
FY2025$5.5M
Expenses
$5.0M
FY2025▲ +6%
Tap a bar for its year
Expenses by fiscal year
FY2020$5.9M
FY2021$6.2M
FY2022$4.5M
FY2023$4.6M
FY2024$4.7M
FY2025$5.0M
Net assets
$5.0M
FY2025▲ +11%
Tap a bar for its year
Net assets by fiscal year
FY2020$30K
FY2021$1.8M
FY2022$2.7M
FY2023$3.1M
FY2024$4.5M
FY2025$5.0M

From the FY2025 Form 990 (year ending May 2025) · figures checked against the IRS filing · see the original

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Is it real?

Yes. Never revoked by the IRS. Latest filing on record: FY2025. IRS ruling in May 2001.

IRS Pub. 78 · IRS Auto-Revocation List · IRS Business Master File

Who runs it and what they're paid

10 people listed on the 990; $983K paid to officers and key staff.

Part VII, Section A · reportable compensation · most recent filed roster (FY2024); the FY2025 filing did not itemize Part VII
President and CEO
$294,213Pt VII · Sec A
Vice President and CFO
$204,594Pt VII · Sec A
Vice President and COO
$180,064Pt VII · Sec A
Director of IT
$109,357Pt VII · Sec A
Senior Director of Business Development
$107,438Pt VII · Sec A
Vice President, Info Tech
$81,774Pt VII · Sec A
Secretary/Director
$1,800Pt VII · Sec A
$1,200Pt VII · Sec A

Constance R Markovich’s $294K as President and CEO is at the 96th percentile of top reported officer pay among 305 $1–10M mutual/membership nonprofits. Peer set: organizations in the same NTEE major field of work and revenue-size band, compared on each org’s own highest-paid officer/key-employee, from Form 990 Part VII / 990-PF Part VIII. Descriptive placement, not a verdict on whether the pay is appropriate.

Compensation history total reportable pay by year · 8 named individuals · Part VII

NameFY2025FY2024FY2023FY2022FY2021FY2020
Col Robin a Snyder———$1,264,482$493,450$309,713
Robin a Snyder——$409,539———
Constance R Markovich$294,213$276,464————
Constance Markovich——$252,454$227,204$216,714$208,876
Col Matthew R Anderson————$206,515$194,800
Victoria S Diamond$204,594$186,492————
Rhonda L Butler$180,064$169,726$157,443$148,643$135,771$105,167
Vernon L Branson$81,774$178,255$171,470$170,470$168,220—

Total reportable compensation (Form 990 Part VII column D / Schedule J column E) by filing year, matched by name within this organization. The Schedule J base / bonus / deferred breakdown is not parsed into this dataset.

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Questions the 990 asks

The form asks each of these directly. These are the filed answers.

  • Family or business ties among officersPt VI · Ln 2Yes
  • Top official's pay set by an independent reviewPt VI · Ln 15aYes

Programs and updates

Offers affordable insurance and financial services to military families and federal employees.

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Provided by the organization

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1 program · in their own filed words · FY2024
01

Provided over 47,000 customers with $2.43+ billion in life, accidental death, accident protection, hospital indemnity insurance, supplemental health coverage & other services.

Pt IX · col B

By the numbers

The FY2025 990, line by line.

1The main four
Money inPt VIII
$5.5M
Ln 12
Fees for servicesLn 2g$4.8M
Investment incomeLn 3$728K
Other incomeLn 4–11$8K
Money outPt IX
$5.0M
Ln 25
Owns and owesPt X
$5.0M
net assets · Ln 32
Cash and savingsLn 1–2$1.4M
Total assetsLn 16$9.8M
LiabilitiesLn 26$4.8M
PeoplePt VI, VII
10
listed · VII A
PaidVII A10
Voting boardVI 1a5
IndependentVI 1b4
2In more detail
Revenue in detailPt VIII
Fees for servicesLn 2g$4.8M
Investment incomeLn 3$728K
Other incomeLn 4–11$8K
Gains on assetsLn 7$350K
Total revenueLn 12$5.5M
Assets in detailPt X, end of year
CashLn 1$1.2M
SavingsLn 2$193K
Cash and savings togetherLn 1–2$1.4M
InvestmentsLn 11–13$7.3M
Land, buildings, equipmentLn 10c$39K
Other assetsLn 15$906K
Total assetsLn 16$9.8M
LiabilitiesLn 26$4.8M
Net assetsLn 32$5.0M
OperationsPt I, VI
EmployeesI 539
VolunteersI 66
Fiscal year endsHeaderMay
Conflict-of-interest policyVI 12aYes
Whistleblower policyVI 13No
Records policyVI 14Yes
3Year over year
Balance sheet, start vs end of yearPt X · col A, B
LineStart FY25End FY25
Cash and savingsLn 1–2$2.3M$1.4M
InvestmentsLn 11–13$6.8M$7.3M
Land, buildings, equipmentLn 10c$51K$39K
Total assetsLn 16$10.0M$9.8M
LiabilitiesLn 26$5.5M$4.8M
Net assetsLn 32$4.5M$5.0M
4Every line
Statement of functional expensesPt IX · every line
LineTotalProgramsManagementFundraising
Pay of current officers, directors and key staffLn 5$1.1M
Other salaries and wagesLn 7$1.4M
Pension plan contributionsLn 8$80K
Other employee benefitsLn 9$127K
Payroll taxesLn 10$232K
Legal feesLn 11b$12K
Accounting feesLn 11c$46K
Investment management feesLn 11f$28K
Other fees for servicesLn 11g$39K
Advertising and promotionLn 12$839K
Office expensesLn 13$252K
Information technologyLn 14$537K
OccupancyLn 16$179K
TravelLn 17$3K
Conferences, conventions and meetingsLn 19$19K
Depreciation, depletion and amortizationLn 22$12K
InsuranceLn 23$39K
Other expenses (24a–d)Ln 24$58K
All other expensesLn 24e$0
Total functional expensesLn 25$5.0M

Filing history

YearMoney inMoney outIn minus outNet assetsDownload
FY2025 Latest Viewing $5.5M$5.0M$509K$5.0M 990 PDF
FY2024 $5.5M$4.7M$757K$4.5M 990 PDF
FY2023 $5.5M$4.6M$856K$3.1M 990 PDF
FY2022 $6.0M$4.5M$1.5M$2.7M 990 PDF
FY2021 $6.2M$6.2M$30K$1.8M 990 PDF
FY2020 $6.3M$5.9M$386K$30K 990 PDF

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Schedules filed Part IV

III · Programs I · Grants R · Related orgs G · Fundraising L · Interested persons A · Public support F · Foreign M · Noncash
See the full FY2025 990 (6 parts)
Part I · Summary $5,520,962 revenue, 12 lines filed
I-8 Contributions and grantsPrior year $0$0
I-9 Program service revenuePrior year $5,035,750$4,784,459
I-10 Investment incomePrior year $419,087$728,076
I-11 Other revenuePrior year $13,685$8,427
I-12 Total revenuePrior year $5,468,522$5,520,962
I-13 Grants and similar amounts paidPrior year $0$0
I-14 Benefits paid to members$0
I-15 Salaries and benefitsPrior year $2,676,632$2,948,741
I-16a Professional fundraising feesPrior year $0$0
I-17 Other expensesPrior year $2,034,864$2,063,100
I-18 Total expensesPrior year $4,711,496$5,011,841
I-19 Revenue less expensesPrior year $757,026$509,121
Part VI · Governance 4 of 5 board members independent, 2 to look at
VI-1a Voting members of the governing body5
VI-1b Independent voting members4
VI-2 Family or business relationship among officers or directorsYes
VI-13 Written whistleblower policyNo
VI-12a Written conflict of interest policyYes
VI-14 Document retention and destruction policyYes
VI-15a Process for setting top official's payYes
Part VIII · Statement of revenue $5,520,962 across 6 lines filed
VIII-1h Total contributions, gifts and grants$0
VIII-2a-f Program service revenue, itemized rows (sum of 2a–2f as filed)Related to mission $4,784,459$4,784,459
VIII-3 Investment incomeExcluded from tax $377,803$377,803
VIII-7 Net gain or loss on sales of assetsExcluded from tax $350,273$350,273
VIII-11a-d Other revenue, itemized rows (sum of 11a–11d as filed)Related to mission $8,427$8,427
VIII-12 Total revenueRelated to mission $4,792,886 · Unrelated business $0 · Excluded from tax $728,076$5,520,962
Part IX · Statement of functional expenses $5,011,841 across 19 lines filed
IX-5 Pay of current officers, directors and key staff$1,095,068
IX-7 Other salaries and wages$1,414,249
IX-8 Pension plan contributions$80,436
IX-9 Other employee benefits$127,248
IX-10 Payroll taxes$231,740
IX-11b Legal fees$12,298
IX-11c Accounting fees$45,635
IX-11f Investment management fees$27,946
IX-11g Other fees for services$38,810
IX-12 Advertising and promotion$839,402
IX-13 Office expenses$251,825
IX-14 Information technology$536,587
IX-16 Occupancy$178,892
IX-17 Travel$3,039
IX-19 Conferences, conventions and meetings$19,137
IX-22 Depreciation, depletion and amortization$12,348
IX-23 Insurance$38,722
IX-24 Other expenses (24a–d)$58,459
IX-24e All other expenses$0
IX-25 Total functional expenses$5,011,841
Part X · Balance sheet $9,786,179 assets, 13 lines filed
X-1 Cash, non-interest-bearingStart of year $1,690,664$1,230,138
X-2 Savings and temporary cash investmentsStart of year $578,109$193,488
X-4 Accounts receivableStart of year $10,119$34,594
X-9 Prepaid expenses and deferred chargesStart of year $60,262$52,212
X-10c Land, buildings and equipment, netStart of year $51,423$39,075
X-11 Publicly traded securitiesStart of year $6,774,743$7,330,555
X-15 Other assetsStart of year $879,753$906,117
X-16 Total assetsStart of year $10,045,073$9,786,179
X-17 Accounts payable and accrued expensesStart of year $4,315,262$3,690,234
X-25 Other liabilitiesStart of year $1,230,247$1,114,175
X-26 Total liabilitiesStart of year $5,545,509$4,804,409
X-32 Total net assets or fund balancesStart of year $4,499,564$4,981,770
X-33 Total liabilities and net assetsStart of year $10,045,073$9,786,179
Part XI · Reconciliation of net assets $4,981,770 net assets at year end
XI-1 Total revenue$5,520,962
XI-2 Total expenses$5,011,841
XI-3 Revenue less expenses$509,121
XI-4 Net assets at start of year$4,499,564
XI-5 Net unrealized gains (losses) on investments−$182,853
XI-9 Other changes in net assets$155,938
XI-10 Net assets at end of year$4,981,770

Form 990 e-file (XML) FY2025 from the IRS · Classification, formation year and address from the IRS Business Master File

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