2012-10-12T15:33:05-05:00 2011-12-31 BKD LLP 200 E Main St Suite 700 Fort Wayne IN 46802 990 2011-01-01 356059333 EVERENCE ASSOCIATION INC % GEORGE MERRYMAN EVER 5745339511 1110 NORTH MAIN STREET PO BOX 483 GOSHEN IN 46528 GEORGE MERRYMAN 2012-06-19 true Joyce A Dulworth 2604604000 2011 2016-02-24 21:20:13Z LARRY D MILLER 1110 NORTH MAIN ST PO BOX 483 GOSHEN IN 46528 156977592 false X WWW.EVERENCE.COM X 1964 IN EVERENCE ASSOCIATION INC HELPS PEOPLE AND GROUPS INTEGRATE THEIR FINANCES WITH FAITH VALUES THROUGH ITS INSURANCE AND FINANCIAL SERVICES. 13 13 52 1533 0 -13135 301054 555863 94997593 86718370 1706956 335291 1047137 1101553 98052740 88711077 1834428 1502056 72968392 65305425 7568791 5261269 0 0 0 8476097 9615794 90847708 81684544 7205032 7026533 381924709 384977592 303778388 307634813 78146321 77342779 EVERENCE ASSOCIATION INC IS AN INDIANA DOMICILED FRATERNAL BENEFIT SOCIETY ORGANIZED TO PROVIDE LIFE, ANNUITY AND ACCIDENT AND HEALTH INSURANCE COVERAGE TO MEMBERS OF THE MENNONITE CHURCH AND RELATED ANABAPTIST INSTITUTIONS. false false Everence ASSOCIATION INC helps individuals, organizations and congregations integrate finances with faith through a national team of advisors and representatives. Everence offers LIFE, ANNUITY AND ACCIDENT AND HEALTH INSURANCE COVERAGE TO MEMBERS OF THE MENNONITE CHURCH AND RELATED ANABAPTIST INSTITUTIONS. CONTINUE TO ENHANCE CURRENT FRATERNAL GRANT PROGRAMS AND THEIR USAGE IN THE CONSTITUENCY. NUMBER OF GRANTS IN 2011 WAS 2,367. CONTINUE BUILDING A SUPPORT SYSTEM OF TRAINING, PROVIDING RESOURCES FOR, AND ENGAGING ACTIVE ADVOCATES (VOLUNTEERS). THERE WERE 1,520 ADVOCATES SERVING IN 2011. ENCOURAGE STEWARDSHIP IN THE EVERENCE ASSOCIATION CONSTITUENCY. STEWARDSHIP EDUCATION INCLUDES STEWARDSHIP UNIVERSITY, SPEAKERS FOR WORKSHOPS AND RETREATS, AND EDUCATIONAL RESOURCES. IN 2011, THERE WERE 734 CHURCHES USING EDUCATIONAL MATERIALS OR SEMINARS. false true false false false false false false false false false true false true false false false false false true false false false false false false true true true false false false false true true false false false false true true true true false true 7894 0 true 52 true true true true CJ false false false false false false false false X 13 13 false false false false true true false true true false true true false true true true true true true false false CA IN X GEORGE MERRYMAN 5745339511 1110 NORTH MAIN STREET PO BOX 483 GOSHEN IN 46528 X NATALIE FRANCISCO 1.0 X 0 0 0 LARRY NIKKEL 1.0 X 0 0 0 ANDREW EVERSOLE 1.0 X 0 0 0 D DUANE OSWALD 1.0 X 0 0 0 STEPHEN M LANE 1.0 X 0 0 0 PAUL QUIRING 1.0 X 0 0 0 PAT SWARTZENDRUBER 1.0 X 0 0 0 LAVERN YUTZY 1.0 X 0 0 0 JENNIFER LANDIS 1.0 X 0 0 0 DJ MCFADDEN III 1.0 X 0 0 0 SANDRA VIELMAN 1.0 X 0 0 0 J DAVID VON GUNTEN 1.0 X 0 0 0 DONNA VOTH 1.0 X 0 0 0 SIDNEY A RICHARD 30.0 X 0 116651 24821 MARLO J KAUFFMAN 10.0 X 0 93758 22836 PHILIP R ZIMMERMAN 10.0 X 0 91866 20778 MELVIN L CLAASSEN 10.0 X 0 158613 24541 DELMAR K KING 30.0 X 0 125597 20646 LARRY D MILLER 10.0 X 0 206804 27495 GEORGE F MERRYMAN 2.0 X 0 104539 8123 RODNEY D DILLER 5.0 X 0 159416 26073 JAIME ALVAREZ 5.0 X 0 158644 22130 DAVID C GAUTSCHE 10.0 X 0 159660 29001 GARY S REDIGER 0.0 X 0 148956 23645 STEVEN R HERENDEEN 0.0 X 0 142210 21299 W LEE SHERTZER 0.0 X 0 281418 30285 CLAIR H SAUDER 0.0 X 0 153651 16879 C DOUGLAS UMBLE 0.0 X 0 147970 21232 0 2249753 339784 0 false true false LANCASTER GENERAL HOSPITAL 555 NORTH DUKE STREET LANCASTER PA 17604 HEALTH SERVICES 1190653 GOSHEN GENERAL HOSPITAL 200 HIGH PARK AVENUE GOSHEN IN 46526 HEALTH SERVICES 1142749 ROCKINGHAM MEMORIAL HOSPITAL 235 CANTRELL AVENUE HARRISONBURG VA 22801 HEALTH SERVICES 811554 CAREMARK THERAPEUTIC SERVICES DEPT 6175 LOS ANGELES CA 900886175 HEALTH SERVICES 1007875 MS HERSHEY MEDICAL CENTER PO BOX 856 HERSHEY PA 17033 HEALTH SERVICES 810084 86 555863 555863 PREMIUM INCOME 524298 68041867 68041867 INVESTMENT INCOME 524298 18676503 18676503 86718370 0 0 0 68601806 68266515 335291 335291 335291 0 0 0 ADMINISTRATION REVENUE 524298 659408 659408 FRATERNAL PROGRAM 524298 322403 322403 COMMISSION INCOME 524298 55616 55616 64126 25108 39018 1101553 88711077 88116196 39018 1277996 224060 0 65305425 0 0 3836171 911538 87319 426241 0 56595 138741 0 0 743674 5839040 86959 798950 612773 0 392283 157096 0 1720 0 0 95930 116450 STATE INSURANCE DEPT FEE 510232 BUREAU AND ASSOCIATION DUES 44703 MISCELLANEOUS LOSSES 20648 81684544 0 0 7672149 6985866 0 0 586498 456553 0 0 0 0 0 0 0 0 58917 41340 0 299891009 309081152 0 0 68761747 63318109 0 0 4954389 5094572 381924709 384977592 2132086 3798553 0 0 4682808 4360274 0 0 0 0 0 0 1070000 1070000 0 0 295893494 298405986 303778388 307634813 X 0 0 0 0 78146321 77342779 78146321 77342779 381924709 384977592 X 7026533 -7830075 X false true true X false RESTRICTED RESTRICTED RESTRICTED RESTRICTED RESTRICTED RESTRICTED RESTRICTED RESTRICTED MORTGAGE LOANS 63003621 F POLICY LOANS 5874 F OTHER LONG-TERM INVESTMENTS 308614 F 63318109 0 LIFE AND ANNUITY RESERVES 268648180 ACCIDENT AND HEALTH RESERVES 12012691 DEPOSIT TYPE CONTRACTS 5040222 POLICY AND CONTRACT CLAIMS 8187595 ASSET VALUATION 2658936 INTEREST MAINTENANCE RESERVE 1858362 298405986 88711077 81684544 7026533 7026533 86883958 86883958 1827119 1827119 88711077 80234945 80234945 1449599 1449599 81684544 RECONCILIATION PART XII, LINE 4B OTHER: ADMINISTRATIVE FEES + 659,408 INVESTMENT EXPENSES + 743,673 GAIN TRANSFERRED TO IMR + 377,520 LOSS ADJUSTMENT + 7,500 UNRELATED BUSINESS INCOME REFUND + 39,018 TOTAL $1,827,119 RECONCILIATION PART XIII, LINE 4B OTHER: ADMINISTRATIVE FEES + 659,408 INVESTMENT EXPENSES + 743,673 LOSS ADJUSTMENT + 7,500 UNRELATED BUSINESS INCOME REFUND + 39,018 TOTAL $1,449,599 FIN 48 FOOTNOTE PART IV, QUESTION 11F MANAGEMENT HAS EVALUATED THEIR INCOME TAX POSITIONS UNDER THE GUIDANCE INCLUDED IN ASC 740. BASED ON THEIR REVIEW, MANAGEMENT HAS NOT IDENTIFIED ANY MATERIAL UNCERTAIN TAX POSITIONS TO BE RECORDED OR DISCLOSED IN THE FINANCIAL STATEMENTS. North America Investments 2974411 Europe (Including Iceland and Greenland) Investments 2535745 5510156 5510156 false false false false false false true MENNONITE CHURCH USA PO BOX 347 NEWTON KS 67114 352157800 501(c)(3) 250353 GRANTS & SPONSORSHIP 1 GENERAL INFORMATION ON GRANTS AND ASSISTANCE SCHEDULE I PART I QUESTION 2 GRANT APPLICATION INFORMATION IS SUBMITTED TO EVERENCE ASSOCIATION FROM MENNONITE CHURCHES AS WELL AS OTHER ANABAPTIST CHURCHES. DETAILED RECORDS ARE MAINTAINED ON ELIGIBILITY AND RECIPIENTS ON AN ANNUAL BASIS. INFORMATION IS KEPT FOR AT LEAST FIVE YEARS. FUNDS FOR SPECIFIC INDIVIDUALS ARE SENT TO THE CHURCHES. THE RECIPIENT CHURCH THEN MATCHES THE FUNDS AND FOLLOWS UP WITH THE INDIVIDUAL WHO RECEIVED THE FUNDS. false false false MELVIN L CLAASSEN 0 141360 0 15400 0 1853 0 11790 0 12751 0 183154 0 0 LARRY D MILLER 0 181679 0 20405 0 4720 0 14961 0 12534 0 234299 0 0 RODNEY D DILLER 0 140561 0 15400 0 3455 0 11827 0 14246 0 185489 0 0 JAIME ALVAREZ 0 142829 0 14850 0 965 0 11616 0 10514 0 180774 0 0 DAVID C GAUTSCHE 0 141975 0 15650 0 2035 0 11818 0 17183 0 188661 0 0 GARY S REDIGER 0 117001 0 29669 0 2286 0 10371 0 13274 0 172601 0 0 STEVEN R HERENDEEN 0 113433 0 28002 0 775 0 9665 0 11634 0 163509 0 0 W LEE SHERTZER 0 253003 0 28145 0 270 0 16826 0 13459 0 311703 0 0 CLAIR H SAUDER 0 123273 0 29190 0 1188 0 8300 0 8579 0 170530 0 0 C DOUGLAS UMBLE 0 118300 0 29190 0 480 0 8051 0 13181 0 169202 0 0 JEFFREY CLAASSEN FAMILY MEMBER TO OFFICER 67820 SALARY false MMA DISTRIBUTION INC AFFILIATE-COMMON OFFICERS 3850000 SEE SCHEDULE R FOR DETAILS false MENNONITE CHURCH BUILDINGS INC AFFILIATE-COMMON OFFICERS 5553002 SEE SCHEDULE R FOR DETAILS false EVERENCE COMMUNITY INVESTMENTS INC AFFILIATE-COMMON OFFICERS 1700000 SEE SCHEDULE R FOR DETAILS false BUSINESS TRANSACTIONS INVOLVING INTERESTED PERSONS SCHEDULE L PART IV JEFFREY CLAASSEN IS DISCLOSED AS AN INTERESTED PERSON DUE TO HIS FAMILY RELATIONSHIP WITH MELVIN L CLAASSEN, OFFICER OF EVERENCE ASSOCIATION INC PAID UNDER THE COMMON PAYMASTER RULES BY A RELATED ORGANIZATION. NEITHER PERSON HAS OWNERSHIP INTEREST IN THE FILING ORGANIZATION NOR OF RELATED ORGANIZATIONS. ADDITIONALLY, TRANSACTIONS WITH RELATED ORGANIZATIONS ARE DISCLOSED TO BE IN COMPLIANCE WITH IRS PRESCRIBED INSTRUCTIONS. PER THE FORM 990 INSTRUCTIONS, TRANSACTIONS BETWEEN ENTITIES WITH COMMON OFFICERS SHOULD BE DISCLOSED ON SCHEDULE L PART IV. THE TRANSACTIONS LISTED IN PART IV ARE DISCLOSED ONLY DUE TO COMMON OFFICER RELATIONSHIP AND NOT DUE TO OWNERSHIP BY INTERESTED PERSONS. PART IV PAGE 3 QUESTION 12: THE FINANCIAL STATEMENTS ARE PREPARED USING ACCOUNTING PRACTICES PRESCRIBED OR PERMITTED BY THE INDIANA DEPARTMENT OF INSURANCE, WHICH PRACTICES DIFFER FROM ACCOUNTING PRINCIPLES GENERALLY ACCEPTED IN THE UNITED STATES OF AMERICA. GOVERNANCE, MANAGEMENT, & DISCLOSURE FORM 990 PART VI LINE 6 & 7: EVERENCE ASSOCIATION INC HAS ONLY ONE CLASS OF MEMBERSHIP. THE SOLE DECISION-MAKING POWER OF A MEMBER IS TO ELECT THE BOARD OF DIRECTORS. LINE 11B: THE FORM 990 IS REVIEWED BY AN INDEPENDENT CPA FIRM AND SENT VIA E-MAIL TO THE AUDIT COMMITTEE FOR THEIR APPROVAL BEFORE IT IS FILED. THE AUDIT COMMITTEE THOROUGHLY REVIEWS THE 990 AND IS GIVEN THE OPPORTUNITY TO ASK QUESTIONS OR MAKE SUGGESTIONS WHICH MAY LEAD TO CHANGES TO THE 990 BEFORE IT IS FILED. IF AFTER TEN (10) DAYS THE AUDIT COMMITTEE HAS NOT HAD ANY QUESTIONS OR MADE ANY SUGGESTIONS, THE 990 IS CONSIDERED APPROVED BY THE AUDIT COMMITTEE. LINE 12C: A QUESTIONNAIRE IS SENT OUT ANNUALLY TO ALL OFFICERS, DIRECTORS, OR TRUSTEES, AND KEY EMPLOYEES TO DISCLOSE PERSONAL AND BUSINESS RELATIONSHIPS. THE QUESTIONNAIRES ARE REVIEWED ANNUALLY. IF A CONFLICT EXISTS, RESTRICTIONS WILL BE IMPOSED ON PERSONS WITH A CONFLICT SUCH AS PROHIBITING THEM FROM PARTICIPATING IN THE GOVERNING BODY'S DELIBERATIONS AND DECISIONS IN THE TRANSACTION. LINE 15A: THE BOARD OF DIRECTORS PERFORMS AN ANNUAL REVIEW OF EXECUTIVE COMPENSATION. THE LAST REVIEW WAS PERFORMED IN 2011. GOALS AND OBJECTIVES ARE SET FORTH ANNUALLY AND REVIEWED DURING THIS PROCESS. ADDITIONALLY, PERIODIC COMPARISONS TO SIMILAR FOR-PROFIT AND NOT-FOR-PROFIT ENTITIES ARE EXAMINED. LINE 19: OUR GOVERNING DOCUMENTS ARE KEPT ON FILE AND ARE AVAILABLE UPON REQUEST. CONFLICT OF INTEREST POLICY INFORMATION IS AVAILABLE UPON REQUEST. SUMMARIZED FINANCIAL INFORMATION FOR ALL EVERENCE ENTITIES IS PUBLISHED IN A REPORT TO THE MEMBERS. THIS REPORT INFORMS THE MEMBER THEY MAY REQUEST THE AUDITED FINANCIAL STATEMENTS. PART IX LINE 4 ACCIDENT AND HEALTH 41,611,348 LIFE AND ANNUITY 19,437,462 INTEREST & ADJUSTMENT TO CD CONTRACT FUND 165,180 SUPPLEMENTARY CONTRACTS 1,510,976 NET TOTAL OF INCREASE IN ACCIDENT & HEALTH 395,021 LIFE AND ANNUITY RESERVES 2,430,344 INCREASE IN SUPPLEMENTARY CONTRACTS RESERVES -260,322 REFUNDS TO MEMBERS -17,584 TOTALS 65,305,425 RECONCILIATION FORM 990, PART XI LINE 5: CHANGE IN ADMITTED INVESTMENT CARRYING AMOUNTS (5,043,456) CHANGE IN ASSET VALUATION RESERVE (342,284) CHANGE IN NONADMITTED ASSETS (2,066,815) GAIN TRANSFERRED TO IMR (377,520) OTHER CHANGES IN NET ASSETS OR FUND BALANCES =(7,830,075) HOURS DEVOTED FOR RELATED ORGANIZATION FORM 990 PART VII NAME:SIDNEY A RICHARD TITLE:ASST. VICE PRESIDENT HOURS:10 HOURS DEVOTED FOR RELATED ORGANIZATION FORM 990 PART VII NAME:MARLO J KAUFFMAN TITLE:ASST. SECRETARY HOURS:30 HOURS DEVOTED FOR RELATED ORGANIZATION FORM 990 PART VII NAME:PHILIP R ZIMMERMAN TITLE:ASST. SECRETARY HOURS:30 HOURS DEVOTED FOR RELATED ORGANIZATION FORM 990 PART VII NAME:MELVIN L CLAASSEN TITLE:TREASURER HOURS:30 HOURS DEVOTED FOR RELATED ORGANIZATION FORM 990 PART VII NAME:DELMAR K KING TITLE:ASST. TREASURER HOURS:10 HOURS DEVOTED FOR RELATED ORGANIZATION FORM 990 PART VII NAME:LARRY D MILLER TITLE:PRESIDENT HOURS:30 HOURS DEVOTED FOR RELATED ORGANIZATION FORM 990 PART VII NAME:GEORGE F MERRYMAN TITLE:ASST. TREASURER HOURS:38 HOURS DEVOTED FOR RELATED ORGANIZATION FORM 990 PART VII NAME:RODNEY D DILLER TITLE:VICE PRESIDENT HOURS:35 HOURS DEVOTED FOR RELATED ORGANIZATION FORM 990 PART VII NAME:JAIME ALVAREZ TITLE:SECRETARY HOURS:35 HOURS DEVOTED FOR RELATED ORGANIZATION FORM 990 PART VII NAME:DAVID C GAUTSCHE TITLE:ASST. VICE PRESIDENT HOURS:30 HOURS DEVOTED FOR RELATED ORGANIZATION FORM 990 PART VII NAME:GARY S REDIGER TITLE:FINANCIAL ADVISOR HOURS:40 HOURS DEVOTED FOR RELATED ORGANIZATION FORM 990 PART VII NAME:STEVEN R HERENDEEN TITLE:FINANCIAL ADVISOR HOURS:40 HOURS DEVOTED FOR RELATED ORGANIZATION FORM 990 PART VII NAME:W. LEE SHERTZER TITLE:FINANCIAL ADVISOR HOURS:40 HOURS DEVOTED FOR RELATED ORGANIZATION FORM 990 PART VII NAME:CLAIR H. SAUDER TITLE:FINANCIAL ADVISOR HOURS:40 HOURS DEVOTED FOR RELATED ORGANIZATION FORM 990 PART VII NAME:C. 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