Ech INC EIN 92-1339118 Form 990 (PDF) Claim this org

Ech INC

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Connects employers seeking better, cheaper healthcare benefits with information and resources. For fiscal year 2024 it reported $764K in revenue, $762K in expenses, and $71K in net assets.Pt I

Type
Public charity (501(c)(3)) · Employment
Location
Crown Point, IN
Filings
3 on file (2022–2024)
Revenue
$764KFY2024
Expenses
$762K
Net assets
$71K
People
3
Filings
3
Updates
0
More identity details & actions ⌄
EIN  92-1339118 Public charity (501(c)(3)) Crown Point, IN
Form 990 (PDF)
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Size
$100K–1M
What they do
Connects employers seeking better, cheaper healthcare benefits with information and resources.
Leadership
Kirnjoy Singh MD · President · $1K
Money in and out
$764K revenue, $762K expenses
Bottom line
0% program efficiency
Where the money goes · FY2024
Total revenue
$764K
Pt VIII · Ln 12
Total expenses
$762K
Pt IX · Ln 25
Net assets
$71K
Pt X · Ln 32
Revenue less expenses (Pt I · Ln 19): $2K
Where spending went · Part IX cols B–D
Management & general $1.00
Program efficiency
0%
of spending reaches programs
Operating runway
1.1mo
months of highly liquid reserves at operating expense rate▼ -21% vs prior filing year
Surplus margin
+0.3%
revenue over expenses, this year▲ +109% vs prior filing year

Summary of the Filing

Part I · fiscal year 2024 · Form 990
Revenue
$764K
FY2024▲ +30%
Expenses
$762K
FY2024▲ +26%
Total assets
$71K
FY2024▲ +3%
Total liabilities
$0
FY2024
Total revenue
$764K
Pt VIII · Ln 12
Total expenses
$762K
Pt IX · Ln 25
Net assets
$71K
Pt X · Ln 32
Revenue less expensesPt I · Ln 19$2K
Total assetsPt X · Ln 16$71K
Program-expense ratioPt IX · col B0%
Voting members of governing bodyPt I · Ln 33
Independent voting membersPt I · Ln 43

Identity & Classification

Form 990 Header · IRS Business Master File
Legal nameHdr · item CEch INC
EINHdr · item D92-1339118
Principal addressHdr · item CCrown Point, IN
WebsiteHdr · item Jnone reported
Year of formationHdr · item Lpending
State of legal domicileHdr · item MIN
Exempt statusHdr · item I501(c)(3) · active
NTEE classificationIRS BMFEmployment (J03)
Ruling yearIRS BMFJan 2023

Governance & Policies

Part VI
Voting members of the governing bodyPt VI · Ln 1a3
Independent voting membersPt VI · Ln 1b3
Conflict-of-interest policyPt VI · Ln 12aYes
Whistleblower policyPt VI · Ln 13Yes
Document retention policyPt VI · Ln 14No
CEO/top-official compensation independently reviewedPt VI · Ln 15aNo
Family or business relationships among officers/directorsPt VI · Ln 2No

Officers, Directors & Key Employees

Part VII, Section A · reportable compensation
$1,000Pt VII · Sec A
Member
$1,000Pt VII · Sec A
$1,000Pt VII · Sec A

Kirnjoy Singh MD’s $1K as President is at the 2nd percentile of top reported officer pay among 1212 $100K–1M employment 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 · 3 named individuals · Part VII

NameFY2024FY2023FY2022
Kirnjoy Singh MD$1,000$4,000$5,000
Jina Calo$1,000$4,000$5,000
Preetinderjit Singh DDS$1,000$4,000$5,000

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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Mission & Programs · Part III

Where the work happens

1 program service, described in the organization's own filed words · FY2024.
01

To serve as a source of information and networking for employers that seek better quality and cheaper healthcare benefits, both self-funded and fully insured.

Pt IX · col B

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Statement of Revenue

Part VIII
Program service revenue100%$764K
Total revenueLn 12$764K

Statement of Functional Expenses

Part IX · allocated across program, management, and fundraising
Allocation · columns B–D
Management & general $1.00
Management & general100%$762K
Total functional expensesLn 25$762K

Balance Sheet

Part X · end of year
CashLn 1$71K
Total assetsLn 16$71K
Total liabilitiesLn 26$0
Total net assetsLn 32$71K
Months of cash on handcomputed1.1

Financial Metrics

Form 990 · FY2024 · each ratio shown with the dollars behind it
Liquidity & Payout
Operating runway
Highly liquid reserves $71K · Operating expenses/yr $762K
1.1 months
Where the money goes
Program services
Program services $0 · Total expenses $762K
0%
Management & General
Management & general $762K · Total expenses $762K
100%
Fundraising
Fundraising $0 · Total expenses $762K
0%
Cost to raise $1
Fundraising expense (3-yr avg) $0 · Solicited contributions (3-yr avg) $4K
Solicited contributions below reporting floor
Where the money comes from
Contribution dependence
Contributions & grants $0 · Total revenue $764K
0%
Government reliance
Government grants — · Total revenue $764K
Earned-income share
Program service revenue $764K · Total revenue $764K
100%
Investment reliance
Investment income $0 · Total revenue $764K
0%
Program self-sufficiency
Program service revenue $764K · Total expenses $762K
100%
Growth & trend
Revenue growth (YoY)
This year $764K · Prior year $587K
+30%
Net-asset trend (YoY)
End of year $71K · Beginning of year —
Beginning net assets not meaningfully positive — showing dollar change
Balance sheet
Surplus Margin
Revenue $764K · Expenses $762K
+0.3%
Liabilities-to-Assets
Total liabilities — · Total assets $71K
Net-asset ratio
Net assets $71K · Total assets $71K
100%
Marketable Investment Share
Publicly traded securities (Pt X, ln 11) — · Other securities (Pt X, ln 12) — · Total assets (Pt X, ln 16) $71K
Excludes program-related investments (Pt X, ln 13)
People & payroll
Highest Reported Total Compensation
Individual Kirnjoy Singh MD · Reported title PRESIDENT · Highest reported compensation $1K · Total expenses $762K
0.1%
Personnel share
Salaries, benefits & payroll (Pt IX 5-10) $3K · Total expenses $762K
0.4%
Peer comparison

Same NTEE category, revenue band, and state where available. Descriptive — not a grade.

MetricThis orgPeer medianPercentile
Overhead ratio 100%
Revenue growth 30%

Straight from the Form 990 — descriptive, not an evaluation. A ratio is hidden when its base is zero or too small to be meaningful; the dollars are always shown.

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Filings & Schedule Manifest

Part IV
III · Programs I · Grants R · Related orgs G · Fundraising L · Interested persons A · Public support F · Foreign M · Noncash
FY2024 (Latest)$764K revenue · viewing · ⤓ 990 PDF
FY2023$587K revenue · ⤓ 990 PDF
FY2022$177K revenue · ⤓ 990 PDF

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Sources

Every figure above is drawn from these filings
Form 990 e-file (XML) · FY2024IRS
Classification, formation year, addressIRS Business Master File
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