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Isas Group Benefits Trust

Not tax-deductible

Dallas, TXMutual-benefit / member-servingSince 1989Mutual / membership EIN 73-1366012Revenue $51.3M in FY2025Latest return filed May 4, 2026

On file with the IRSisastrust.org12712 Park Central Drive, 75251-1505 · Dallas, TXTax-exempt since Nov 1991

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Providing health and welfare Benefits to eligible employees of 25 participating employers, including claims payments and administration to approximately 4,151 employees and their dependents.

$201K 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
2 of 6
filings with a surplus
Average deficit $1.0M a year · 3% of revenue · last 6 filings
Concern: a surplus in 2 of the last 6 filings.
Pt I · Ln 19 · 6 filings
Pay to officers and key staff
$201K
to officers and key staff · 0.4% of spending
Looks good: pay to officers and key staff is 0% of spending; 15% or less.
Pt VII · Sec A
Cash reserves
6 mo
of spending, in cash
Looks good: 6.0 months of spending in cash; 3 or more.
Pt X · Ln 1–2 · Pt I · Ln 18
Liabilities
$10.6M
37% of total assets
Looks good: liabilities are 37% of assets; 50% or less.
Pt X · Ln 26
Independent board members
0
of 25 voting members
Concern: none of 25 voting members are independent.
Pt VI · Ln 1a–1b
Looks goodFineWorth a lookConcernNo data yetTap a box for the reason.
Revenue
$51.3M
+9% vs prior year
Spent
$49.8M
Net assets
$18.1M
By yearFY2020–FY2025
Revenue
$51.3M
FY2025▲ +9%
Tap a bar for its year
Revenue by fiscal year
FY2020$28.4M
FY2021$32.4M
FY2022$35.9M
FY2023$41.2M
FY2024$47.0M
FY2025$51.3M
Expenses
$49.8M
FY2025▲ +9%
Tap a bar for its year
Expenses by fiscal year
FY2020$31.6M
FY2021$33.1M
FY2022$38.8M
FY2023$43.4M
FY2024$45.6M
FY2025$49.8M
Net assets
$18.1M
FY2025▲ +9%
Tap a bar for its year
Net assets by fiscal year
FY2020$21.4M
FY2021$20.5M
FY2022$17.1M
FY2023$15.0M
FY2024$16.6M
FY2025$18.1M

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

Give Claim

Is it real?

Yes. Never revoked by the IRS. Latest filing on record: FY2025. IRS ruling in Nov 1991.

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

Who runs it and what they're paid

30 people listed on the 990; $201K 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
Donald Graham
Executive Director - CEO
$200,654Pt VII · Sec A
$0Pt VII · Sec A
Evelyn Cambria
Secretary - Trustee
$0Pt VII · Sec A
Joanne Margraves
President - Trustee
$0Pt VII · Sec A
$0Pt VII · Sec A
$0Pt VII · Sec A
$0Pt VII · Sec A
Cindy Stadulis
Executive VP - Trustee
$0Pt VII · Sec A

Compensation history total reportable pay by year · 1 named individual · Part VII

NameFY2025FY2024FY2023FY2022FY2021FY2020
Donald Graham$200,654$193,851$179,998$167,550$156,860$158,514

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.

See Isas Group Benefits Trust executive salaries →

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

Administers and pays health and welfare benefits for approximately 4,033 eligible employees and their dependents across 25 participating employers.

Questions for Isas Group Benefits Trust

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1 program · in their own filed words · FY2024
01

Providing health and welfare benefits to eligible employees of 25 participating employers, including claims payments and administration to approximately 4,151 employees and their dependents.

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
$51.3M
Ln 12
Fees for servicesLn 2g$50.6M
Investment incomeLn 3$686K
Money outPt IX
$49.8M
Ln 25
Owns and owesPt X
$18.1M
net assets · Ln 32
Cash and savingsLn 1–2$24.7M
Total assetsLn 16$28.7M
LiabilitiesLn 26$10.6M
PeoplePt VI, VII
30
listed · VII A
PaidVII A1
Voting boardVI 1a25
IndependentVI 1b0
2In more detail
Revenue in detailPt VIII
Fees for servicesLn 2g$50.6M
Investment incomeLn 3$686K
Total revenueLn 12$51.3M
Assets in detailPt X, end of year
CashLn 1$2.0M
SavingsLn 2$22.7M
Cash and savings togetherLn 1–2$24.7M
InvestmentsLn 11–13$781K
Total assetsLn 16$28.7M
LiabilitiesLn 26$10.6M
Net assetsLn 32$18.1M
OperationsPt I, VI
EmployeesI 51
VolunteersI 60
Fiscal year endsHeaderAugust
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$20.6M$24.7M
InvestmentsLn 11–13$935K$781K
Total assetsLn 16$24.0M$28.7M
LiabilitiesLn 26$7.4M$10.6M
Net assetsLn 32$16.6M$18.1M
4Every line
Statement of functional expensesPt IX · every line
LineTotalProgramsManagementFundraising
Benefits paid to or for membersLn 4$43.3M
Pay of current officers, directors and key staffLn 5$242K
Payroll taxesLn 10$14K
Legal feesLn 11b$73K
Accounting feesLn 11c$32K
Other fees for servicesLn 11g$3.4M
Information technologyLn 14$193K
OccupancyLn 16$6K
TravelLn 17$18K
Conferences, conventions and meetingsLn 19$345
InsuranceLn 23$29K
Other expenses (24a–d)Ln 24$2.4M
All other expensesLn 24e−$5K
Total functional expensesLn 25$49.8M

Filing history

YearMoney inMoney outIn minus outNet assetsDownload
FY2025 Latest ViewingFiled with the IRS May 4, 2026 $51.3M$49.8M$1.5M$18.1M 990 PDF
FY2024Filed with the IRS May 9, 2025 $47.0M$45.6M$1.4M$16.6M 990 PDF
FY2023Filed with the IRS Jun 20, 2024 $41.2M$43.4M−$2.1M$15.0M 990 PDF
FY2022Filed with the IRS Jul 7, 2023 $35.9M$38.8M−$2.9M$17.1M 990 PDF
FY2021Filed with the IRS May 18, 2022 $32.4M$33.1M−$756K$20.5M 990 PDF
FY2020Filed with the IRS Apr 30, 2021 $28.4M$31.6M−$3.2M$21.4M 990 PDF

Schedules filed Part IV

III · Programs R · Related orgs G · Fundraising L · Interested persons I · Grants A · Public support J · Pay O · Explanations
See the full FY2025 990 (6 parts)
Part I · Summary $51,266,684 revenue, 12 lines filed
I-8 Contributions and grantsPrior year $0$0
I-9 Program service revenuePrior year $46,373,104$50,580,741
I-10 Investment incomePrior year $630,019$685,943
I-11 Other revenuePrior year $0$0
I-12 Total revenuePrior year $47,003,123$51,266,684
I-13 Grants and similar amounts paidPrior year $0$0
I-14 Benefits paid to membersPrior year $39,530,549$43,325,498
I-15 Salaries and benefitsPrior year $243,922$256,337
I-16a Professional fundraising feesPrior year $0$0
I-17 Other expensesPrior year $5,815,524$6,177,365
I-18 Total expensesPrior year $45,589,995$49,759,200
I-19 Revenue less expensesPrior year $1,413,128$1,507,484
Part VI · Governance 0 of 25 board members independent, 1 to look at
VI-1a Voting members of the governing body25
VI-1b Independent voting members0
VI-2 Family or business relationship among officers or directorsYes
VI-12a Written conflict of interest policyYes
VI-13 Written whistleblower policyYes
VI-14 Document retention and destruction policyYes
VI-15a Process for setting top official's payYes
Part VIII · Statement of revenue $51,266,684 across 3 lines filed
VIII-2a-f Program service revenue, itemized rows (sum of 2a–2f as filed)Related to mission $50,580,741$50,580,741
VIII-3 Investment incomeExcluded from tax $685,943$685,943
VIII-12 Total revenueRelated to mission $50,580,741 · Unrelated business $0 · Excluded from tax $685,943$51,266,684
Part IX · Statement of functional expenses $49,759,200 across 13 lines filed
IX-4 Benefits paid to or for members$43,325,498
IX-5 Pay of current officers, directors and key staff$241,993
IX-10 Payroll taxes$14,344
IX-11b Legal fees$72,549
IX-11c Accounting fees$32,334
IX-11g Other fees for services$3,414,453
IX-14 Information technology$192,957
IX-16 Occupancy$6,000
IX-17 Travel$18,064
IX-19 Conferences, conventions and meetings$345
IX-23 Insurance$28,946
IX-24 Other expenses (24a–d)$2,416,595
IX-24e All other expenses−$4,878
IX-25 Total functional expenses$49,759,200
Part X · Balance sheet $28,721,697 assets, 11 lines filed
X-1 Cash, non-interest-bearingStart of year $1,163,408$2,040,513
X-2 Savings and temporary cash investmentsStart of year $19,462,453$22,653,762
X-4 Accounts receivableStart of year $2,338,028$3,156,114
X-9 Prepaid expenses and deferred chargesStart of year $91,924$90,164
X-11 Publicly traded securitiesStart of year $935,153$781,144
X-16 Total assetsStart of year $23,990,966$28,721,697
X-17 Accounts payable and accrued expensesStart of year $7,403,066$10,602,689
X-26 Total liabilitiesStart of year $7,403,066$10,602,689
X-27 Net assets without donor restrictionsStart of year $16,587,900$18,119,008
X-32 Total net assets or fund balancesStart of year $16,587,900$18,119,008
X-33 Total liabilities and net assetsStart of year $23,990,966$28,721,697
Part XI · Reconciliation of net assets $18,119,008 net assets at year end
XI-1 Total revenue$51,266,684
XI-2 Total expenses$49,759,200
XI-3 Revenue less expenses$1,507,484
XI-4 Net assets at start of year$16,587,900
XI-5 Net unrealized gains (losses) on investments$23,624
XI-9 Other changes in net assets$0
XI-10 Net assets at end of year$18,119,008

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

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