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Mssa-Ila Welfare Plan

Not tax-deductible

Mobile, ALMutual-benefit / member-servingSince 1958Mutual / membership EIN 63-0381144Revenue $3.7M in FY2025

On file with the IRSPo Box 2332, 36652-2332 · Mobile, ALTax-exempt since May 1959

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The Plan was created under terms of collective bargaining agreements to provide health and Welfare benefits to eligible participants.

$9K paid to officers and key staff.
Mission: Form 990 Part I, line 1 · Pay: Part VII

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
4 of 6
filings with a surplus
Average surplus $186K a year · 4% of revenue · last 6 filings
Fine: a surplus in 4 of the last 6 filings.
Pt I · Ln 19 · 6 filings
Pay to officers and key staff
$9K
to officers and key staff · 0.2% of spending
Looks good: pay to officers and key staff is 0% of spending; 15% or less.
Pt VII · Sec A
Cash reserves
3 mo
of spending, in cash
Fine: 2.8 months of spending in cash; 1 to 3.
Pt X · Ln 1–2 · Pt I · Ln 18
Liabilities
$357K
22% of total assets
Looks good: liabilities are 22% of assets; 50% or less.
Pt X · Ln 26
Independent board members
7
of 10 voting members
Looks good: 7 of 10 voting members are independent, a majority.
Pt VI · Ln 1a–1b
Looks goodFineWorth a lookConcernNo data yetTap a box for the reason.
Revenue
$3.7M
-14% vs prior year
Spent
$4.3M
Net assets
$1.3M
By yearFY2020–FY2025
Revenue
$3.7M
FY2025▼ -14%
Tap a bar for its year
Revenue by fiscal year
FY2020$3.5M
FY2021$3.8M
FY2022$4.5M
FY2023$8.5M
FY2024$4.3M
FY2025$3.7M
Expenses
$4.3M
FY2025▼ -3%
Tap a bar for its year
Expenses by fiscal year
FY2020$3.5M
FY2021$3.7M
FY2022$4.4M
FY2023$7.0M
FY2024$4.4M
FY2025$4.3M
Net assets
$1.3M
FY2025▲ +63%
Tap a bar for its year
Net assets by fiscal year
FY2020$796K
FY2021$845K
FY2022$972K
FY2023$2.5M
FY2024$770K
FY2025$1.3M

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

990 PDF Claim

Is it real?

Yes. Never revoked by the IRS. Latest filing on record: FY2025. IRS ruling in May 1959.

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

Who runs it and what they're paid

11 people listed on the 990; $9K 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
Tiara Coronado
Plan Administrator
$7,898Pt VII · Sec A
$823Pt VII · Sec A
James Dean
Trustee
$346Pt VII · Sec A
James Bell
Trustee
$332Pt VII · Sec A
$0Pt VII · Sec A
$0Pt VII · Sec A
$0Pt VII · Sec A
Bo Hudson
Trustee
$0Pt VII · Sec A

Compensation history total reportable pay by year · 6 named individuals · Part VII

NameFY2025FY2022FY2021FY2020
Tiara Coronado$7,898———
James Dean$346$379$637$1,480
Steve Sparks$823———
Terry Roberts——$637$279
Clay Smith—$197$511$298
James Bell$332$286$505$221

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 2No
  • Top official's pay set by an independent reviewPt VI · Ln 15aNo

Programs and updates

Provides comprehensive medical, life, and dental benefits to employees.

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1 program · in their own filed words · FY2024
01

To provide health and welfare benefits to eligible participants.

Pt IX · col B

Funders

Who pays for it.

From grant filings on record. Receipts are incomplete: individual donors are never listed.

By the numbers

The FY2025 990, line by line.

Download 990
from philanthropy.org
1The main four
Money inPt VIII
$3.7M
Ln 12
Fees for servicesLn 2g$3.7M
Other incomeLn 4–11$1K
Investment incomeLn 3$20
Money outPt IX
$4.3M
Ln 25
Owns and owesPt X
$1.3M
net assets · Ln 32
Cash and savingsLn 1–2$990K
Total assetsLn 16$1.6M
LiabilitiesLn 26$357K
PeoplePt VI, VII
11
listed · VII A
PaidVII A4
Voting boardVI 1a10
IndependentVI 1b7
2In more detail
Revenue in detailPt VIII
Fees for servicesLn 2g$3.7M
Investment incomeLn 3$20
Other incomeLn 4–11$1K
Total revenueLn 12$3.7M
Assets in detailPt X, end of year
CashLn 1$990K
Cash and savings togetherLn 1–2$990K
Land, buildings, equipmentLn 10c$0
Other assetsLn 15$484K
Total assetsLn 16$1.6M
LiabilitiesLn 26$357K
Net assetsLn 32$1.3M
OperationsPt I, VI
EmployeesI 543
VolunteersI 60
Fiscal year endsHeaderSeptember
Conflict-of-interest policyVI 12aYes
Whistleblower policyVI 13Yes
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$1.7M$990K
Land, buildings, equipmentLn 10c$0$0
Total assetsLn 16$2.4M$1.6M
LiabilitiesLn 26$1.7M$357K
Net assetsLn 32$770K$1.3M
4Every line
Statement of functional expensesPt IX · every line
LineTotalProgramsManagementFundraising
Benefits paid to or for membersLn 4$4.0M
Other salaries and wagesLn 7$63K
Other employee benefitsLn 9$18K
Payroll taxesLn 10$26K
Legal feesLn 11b$29K
Accounting feesLn 11c$28K
Office expensesLn 13$20K
Information technologyLn 14$17K
OccupancyLn 16$16K
Conferences, conventions and meetingsLn 19$11K
Other expenses (24a–d)Ln 24$10K
Total functional expensesLn 25$4.3M

Filing history

YearMoney inMoney outIn minus outNet assetsDownload
FY2025 Latest Viewing $3.7M$4.3M−$533K$1.3M 990 PDF
FY2024 $4.3M$4.4M−$70K$770K 990 PDF
FY2023 $8.5M$7.0M$1.5M$2.5M 990 PDF
FY2022 $4.5M$4.4M$127K$972K 990 PDF
FY2021 $3.8M$3.7M$49K$845K 990 PDF
FY2020 $3.5M$3.5M$28K$796K 990 PDF

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Schedules filed Part IV

III · Programs R · Related orgs G · Fundraising L · Interested persons I · Grants A · Public support O · Explanations
See the full FY2025 990 (6 parts)
Part I · Summary $3,746,144 revenue, 12 lines filed
I-8 Contributions and grantsPrior year $0$0
I-9 Program service revenuePrior year $4,511,307$3,744,957
I-10 Investment incomePrior year $14$20
I-11 Other revenuePrior year −$161,884$1,167
I-12 Total revenuePrior year $4,349,437$3,746,144
I-13 Grants and similar amounts paidPrior year $0$0
I-14 Benefits paid to membersPrior year $4,226,977$4,040,544
I-15 Salaries and benefitsPrior year $49,496$106,168
I-16a Professional fundraising feesPrior year $0$0
I-17 Other expensesPrior year $143,237$132,047
I-18 Total expensesPrior year $4,419,710$4,278,759
I-19 Revenue less expensesPrior year −$70,273−$532,615
Part VI · Governance 7 of 10 board members independent, 1 to look at
VI-1a Voting members of the governing body10
VI-1b Independent voting members7
VI-15a Process for setting top official's payNo
VI-2 Family or business relationship among officers or directorsNo
VI-12a Written conflict of interest policyYes
VI-13 Written whistleblower policyYes
VI-14 Document retention and destruction policyYes
Part VIII · Statement of revenue $3,746,144 across 3 lines filed
Lines not itemized here account for $1,167 of total revenue; see the IRS return.
VIII-2a-f Program service revenue, itemized rows (sum of 2a–2f as filed)Related to mission $3,744,957$3,744,957
VIII-3 Investment incomeExcluded from tax $20$20
VIII-12 Total revenueRelated to mission $3,744,957 · Unrelated business $0 · Excluded from tax $1,187$3,746,144
Part IX · Statement of functional expenses $4,278,759 across 11 lines filed
IX-4 Benefits paid to or for members$4,040,544
IX-7 Other salaries and wages$62,819
IX-9 Other employee benefits$17,692
IX-10 Payroll taxes$25,657
IX-11b Legal fees$29,329
IX-11c Accounting fees$28,063
IX-13 Office expenses$20,102
IX-14 Information technology$17,226
IX-16 Occupancy$15,672
IX-19 Conferences, conventions and meetings$11,229
IX-24 Other expenses (24a–d)$10,426
IX-25 Total functional expenses$4,278,759
Part X · Balance sheet $1,610,673 assets, 10 lines filed
X-1 Cash, non-interest-bearingStart of year $1,745,082$990,419
X-4 Accounts receivableStart of year $521,978$136,517
X-10c Land, buildings and equipment, netStart of year $0$0
X-15 Other assetsStart of year $154,676$483,737
X-16 Total assetsStart of year $2,421,736$1,610,673
X-17 Accounts payable and accrued expensesStart of year $798,181$6,997
X-25 Other liabilitiesStart of year $854,038$350,275
X-26 Total liabilitiesStart of year $1,652,219$357,272
X-32 Total net assets or fund balancesStart of year $769,517$1,253,401
X-33 Total liabilities and net assetsStart of year $2,421,736$1,610,673
Part XI · Reconciliation of net assets $1,253,401 net assets at year end
XI-1 Total revenue$3,746,144
XI-2 Total expenses$4,278,759
XI-3 Revenue less expenses−$532,615
XI-4 Net assets at start of year$769,517
XI-8 Prior period adjustments$1,016,499
XI-9 Other changes in net assets$0
XI-10 Net assets at end of year$1,253,401

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

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