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Wyoming Educators Benefit Trust FY2020 filing

Not tax-deductible

Cheyenne, WYMutual-benefit / member-servingSince 1985Mutual / membership EIN 74-2382896Revenue $116.9M in FY2020

On file with the IRSwyoea.org415 West 17th Street, 82001-4300 · Cheyenne, WYTax-exempt since Mar 1989

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Provide health, dental, life & ltd insurance coverage to Wyoming Educators.

Mission: Form 990 Part I, line 1

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FY2020 · 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 deficit $1.2M a year · under 1% of revenue · last 6 filings
Fine: a surplus in 4 of the last 6 filings.
Pt I · Ln 19 · 6 filings
Cash reserves
1 mo
of spending, in cash
Plus $43.2M in investments, Pt X · Ln 11–13
Fine: 1.2 months of spending in cash; 1 to 3.
Pt X · Ln 1–2 · Pt I · Ln 18
Liabilities
$22.3M
34% of total assets
Looks good: liabilities are 34% of assets; 50% or less.
Pt X · Ln 26
Independent board members
9
of 10 voting members
Looks good: 9 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
$116.9M
Spent
$112.1M
Net assets
$43.0M
By yearFY2020–FY2025
Revenue
$116.9M
FY2020
Tap a bar for its year
Revenue by fiscal year
FY2020$116.9M
FY2021$124.3M
FY2022$129.0M
FY2023$136.3M
FY2024$139.2M
FY2025$147.5M
Expenses
$112.1M
FY2020
Tap a bar for its year
Expenses by fiscal year
FY2020$112.1M
FY2021$119.5M
FY2022$134.6M
FY2023$148.3M
FY2024$138.8M
FY2025$147.3M
Net assets
$43.0M
FY2020
Tap a bar for its year
Net assets by fiscal year
FY2020$43.0M
FY2021$53.5M
FY2022$38.8M
FY2023$27.5M
FY2024$29.3M
FY2025$31.5M

From the FY2020 Form 990 (year ending June 2020) · figures checked against the IRS filing · see the original

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You’re viewing the FY2020 filing — not the latest on file. See the latest (FY2025) →

Is it real?

Yes. Never revoked by the IRS. Latest filing on record: FY2025. IRS ruling in Mar 1989.

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.

Part VII, Section A · reportable compensation · most recent filed roster (FY2019); the FY2020 filing did not itemize Part VII
Kathy Vetter
President
$0Pt VII · Sec A
Grady Hutcherson
Vice President
$0Pt VII · Sec A
Kim Amen
Treasurer
$0Pt VII · Sec A
$0Pt VII · Sec A
$0Pt VII · Sec A
$0Pt VII · Sec A
$0Pt VII · Sec A
Ed Goetz
Trustee
$0Pt VII · Sec A
See Wyoming Educators Benefit Trust executive salaries →

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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

Offers health, dental, life, and disability insurance to Wyoming educators.

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1 program · in their own filed words · FY2019
01

Provide medical, dental, life & long-term disability coverage for wyoming educators

Pt IX · col B

By the numbers

The FY2020 990, line by line.

Download 990
from philanthropy.org
1The main four
Money inPt VIII
$116.9M
Ln 12
Fees for servicesLn 2g$114.8M
Investment incomeLn 3$2.1M
Money outPt IX
$112.1M
Ln 25
Owns and owesPt X
$43.0M
net assets · Ln 32
Cash and savingsLn 1–2$11.2M
Total assetsLn 16$65.3M
LiabilitiesLn 26$22.3M
PeoplePt VI, VII
10
listed · VII A
PaidVII A0
Voting boardVI 1a10
IndependentVI 1b9
2In more detail
Revenue in detailPt VIII
Fees for servicesLn 2g$114.8M
Investment incomeLn 3$2.1M
Gains on assetsLn 7$547K
Total revenueLn 12$116.9M
Assets in detailPt X, end of year
CashLn 1$11.2M
Cash and savings togetherLn 1–2$11.2M
InvestmentsLn 11–13$43.2M
Total assetsLn 16$65.3M
LiabilitiesLn 26$22.3M
Net assetsLn 32$43.0M
OperationsPt I, VI
EmployeesI 50
VolunteersI 69
Fiscal year endsHeaderJune
Conflict-of-interest policyVI 12aYes
Whistleblower policyVI 13Yes
Records policyVI 14No
3Year over year
Balance sheet, start vs end of yearPt X · col A, B
LineStart FY20End FY20
Cash and savingsLn 1–2$5.3M$11.2M
InvestmentsLn 11–13$47.3M$43.2M
Total assetsLn 16$65.5M$65.3M
LiabilitiesLn 26$27.1M$22.3M
Net assetsLn 32$38.4M$43.0M
4Every line
Statement of functional expensesPt IX · every line
LineTotalProgramsManagementFundraising
Legal feesLn 11b$1K
Accounting feesLn 11c$16K
Lobbying feesLn 11d$12K
Investment management feesLn 11f$215K
Other fees for servicesLn 11g$64K
Advertising and promotionLn 12$3K
Office expensesLn 13$4K
OccupancyLn 16$2K
TravelLn 17$16K
InsuranceLn 23$25K
Other expenses (24a–d)Ln 24$116.4M
All other expensesLn 24e−$4.7M
Total functional expensesLn 25$112.1M

Filing history

YearMoney inMoney outIn minus outNet assetsDownload
FY2025 Latest $147.5M$147.3M$226K$31.5M 990 PDF
FY2024 $139.2M$138.8M$333K$29.3M 990 PDF
FY2023 $136.3M$148.3M−$12.0M$27.5M 990 PDF
FY2022 $129.0M$134.6M−$5.7M$38.8M 990 PDF
FY2021 $124.3M$119.5M$4.8M$53.5M 990 PDF
FY2020 Viewing $116.9M$112.1M$4.8M$43.0M 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 FY2020 990 (6 parts)
Part I · Summary $116,852,945 revenue, 12 lines filed
I-8 Contributions and grantsPrior year $0$0
I-9 Program service revenuePrior year $107,429,507$114,777,130
I-10 Investment incomePrior year $2,080,907$2,075,815
I-11 Other revenuePrior year $0$0
I-12 Total revenuePrior year $109,510,414$116,852,945
I-13 Grants and similar amounts paidPrior year $0$0
I-14 Benefits paid to membersPrior year $0$0
I-15 Salaries and benefitsPrior year $0$0
I-16a Professional fundraising feesPrior year $0$0
I-17 Other expensesPrior year $113,857,547$112,073,742
I-18 Total expensesPrior year $113,857,547$112,073,742
I-19 Revenue less expensesPrior year −$4,347,133$4,779,203
Part VI · Governance 9 of 10 board members independent, 2 to look at
VI-1a Voting members of the governing body10
VI-1b Independent voting members9
VI-14 Document retention and destruction policyNo
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
Part VIII · Statement of revenue $116,852,945 across 4 lines filed
VIII-2a-f Program service revenue, itemized rows (sum of 2a–2f as filed)Related to mission $114,777,130$114,777,130
VIII-3 Investment incomeExcluded from tax $1,528,881$1,528,881
VIII-7 Net gain or loss on sales of assetsExcluded from tax $546,934$546,934
VIII-12 Total revenueRelated to mission $114,777,130 · Unrelated business $0 · Excluded from tax $2,075,815$116,852,945
Part IX · Statement of functional expenses $112,073,742 across 12 lines filed
IX-11b Legal fees$1,250
IX-11c Accounting fees$15,750
IX-11d Lobbying fees$12,500
IX-11f Investment management fees$215,164
IX-11g Other fees for services$64,185
IX-12 Advertising and promotion$3,014
IX-13 Office expenses$3,632
IX-16 Occupancy$1,500
IX-17 Travel$16,477
IX-23 Insurance$25,163
IX-24 Other expenses (24a–d)$116,410,537
IX-24e All other expenses−$4,695,430
IX-25 Total functional expenses$112,073,742
Part X · Balance sheet $65,341,472 assets, 11 lines filed
X-1 Cash, non-interest-bearingStart of year $5,304,653$11,198,529
X-4 Accounts receivableStart of year $12,415,035$10,533,853
X-9 Prepaid expenses and deferred chargesStart of year $478,311$382,834
X-12 Other securitiesStart of year $47,308,105$43,226,256
X-16 Total assetsStart of year $65,506,104$65,341,472
X-17 Accounts payable and accrued expensesStart of year $24,201,317$18,693,126
X-19 Deferred revenueStart of year $2,875,944$3,603,901
X-26 Total liabilitiesStart of year $27,077,261$22,297,027
X-27 Net assets without donor restrictionsStart of year $38,428,843$43,044,445
X-32 Total net assets or fund balancesStart of year $38,428,843$43,044,445
X-33 Total liabilities and net assetsStart of year $65,506,104$65,341,472
Part XI · Reconciliation of net assets $43,044,445 net assets at year end
XI-1 Total revenue$116,852,945
XI-2 Total expenses$112,073,742
XI-3 Revenue less expenses$4,779,203
XI-4 Net assets at start of year$38,428,843
XI-5 Net unrealized gains (losses) on investments−$163,601
XI-9 Other changes in net assets$0
XI-10 Net assets at end of year$43,044,445

Form 990 e-file (XML) FY2020 from the IRS · Classification, formation year and address from the IRS Business Master File

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