Caterpillar Inc Group Insurance Master Trust Agreement
501(c)(9)
100% goes to programs Strong reserves
Caterpillar Inc Group Insurance Master Trust Agreement is a 501(c)(9) organization based in Chicago, Illinois, registered in 1971, with $235,178,939 in FY2025 revenue. CharityIndex grades it A, and it directs about 100% of spending to programs.
Po Box 804358, Chicago, IL, 60680 EIN 36-6426495 Since 1971
Revenue (FY2025)
$235.2M
▲ 69.7% vs prior year
Expenses (FY2025)
$202.9M
Net assets
$127.9M
Employees
0
CharityIndex rating
One independent A+ to F grade from four published criteria, each scored separately from IRS filings and combined by weight.
A
A+Program efficiency40% of the rating100% to programs
Measures how much of every dollar spent actually reaches programs, plus what it costs to raise $100 of donations. The worse of the two measures sets the letter (85%+ to programs is an A; under $15 to raise $100 is an A), averaged over the three most recent filings. For Caterpillar Inc Group Insurance Master Trust Agreement: 100% to programs earns a A+ on this criterion. See the exact thresholds →
AFinancial health25% of the rating8 mo reserves · +14% margin
Measures whether the organization is built to last: how many months its reserves would cover expenses (3+ months earns an A-range score, but hoarding 5+ years of budget is capped) and whether it runs a surplus or a deficit. For Caterpillar Inc Group Insurance Master Trust Agreement: 8 mo reserves · +14% margin earns a A on this criterion. See the exact thresholds →
AGovernance25% of the rating5 of 6 checks met
Checks how the organization is run, from its own Form 990: an independent board majority, a board of five or more, conflict-of-interest, whistleblower and document-retention policies, and independently audited financials. The share of disclosed checks that pass sets the letter. For Caterpillar Inc Group Insurance Master Trust Agreement: 5 of 6 checks met earns a A on this criterion. See the exact thresholds →
ATransparency10% of the rating4 of 5 disclosure signals
Counts five disclosure signals: a recent filing, a mission statement, program descriptions, a listed website, and the full expense breakdown. More disclosure, better letter. For Caterpillar Inc Group Insurance Master Trust Agreement: 4 of 5 disclosure signals earns a A on this criterion. See the exact thresholds →
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Mission
Providing health and welfare benefits for its members.
Contact & location
Financial trends
Revenue grew from $183.7M (FY2018) to $235.2M (FY2025) across 8 reported years.
Financial snapshot
Financial health & position (FY2025)
Liabilities $0Net assets $127.9M
Operating margin
13.7%
Revenue exceeded expenses in the latest fiscal year.
Total assets
$127.9M
Total liabilities
$0
Net assets
$127.9M
Salaries & benefits
$205K
0% of expenses
Board members
5
5 independent
Financials by year
| Fiscal year | Revenue | Expenses | Net assets | Total assets | Form |
|---|---|---|---|---|---|
| 2025 | $235,178,939▲69.7% | $202,939,017▲5.4% | $127,917,735▲45.6% | $127,917,735▲45.6% | 990 |
| 2024 | $138,623,948▼41.4% | $192,526,738▼9.1% | $87,844,017▼39.0% | $87,844,017▼39.0% | 990 |
| 2023 | $236,569,415▲11.0% | $211,737,160▼2.6% | $143,997,735▲41.2% | $143,997,735▲41.2% | 990 |
| 2022 | $213,121,623▼17.9% | $217,496,988▼16.7% | $102,010,725▼21.8% | $102,010,725▼21.8% | 990 |
| 2021 | $259,600,286▲34.0% | $261,031,442▼13.5% | $130,518,540▼11.4% | $130,518,540▼11.5% | 990 |
| 2020 | $193,750,346▼21.5% | $301,615,707▼12.6% | $147,378,155▼42.4% | $147,434,060▼42.3% | 990 |
| 2019 | $246,707,757▲34.3% | $344,984,693▲19.5% | $255,654,066▼22.0% | $255,709,869▼22.1% | 990 |
| 2018 | $183,728,288 | $288,668,349 | $327,884,150 | $328,334,101 | 990 |
Original Form 990 PDFs (the Form column) are served by ProPublica Nonprofit Explorer, as filed with the IRS. Create a free account to download the CSV report.
Leadership & compensation (FY2025)
Highest-paid: The Northern Trust Company — $205,133 (0.10% of total expenses)
| Name | Title | Hours/week | Compensation |
|---|---|---|---|
| The Northern Trust Company | Trustee | 1 | $205,133 |
Frequently asked questions
- Is Caterpillar Inc Group Insurance Master Trust Agreement a legitimate nonprofit?
- Yes. Caterpillar Inc Group Insurance Master Trust Agreement is a 501(c)(9) organization registered with the U.S. Internal Revenue Service under EIN 36-6426495, based in Chicago, Illinois.
- What is Caterpillar Inc Group Insurance Master Trust Agreement's EIN?
- Caterpillar Inc Group Insurance Master Trust Agreement's Employer Identification Number (EIN) is 36-6426495.
- How much revenue does Caterpillar Inc Group Insurance Master Trust Agreement report?
- Caterpillar Inc Group Insurance Master Trust Agreement reported $235,178,939 in total revenue on its fiscal year 2025 IRS Form 990 filing.
- How much of Caterpillar Inc Group Insurance Master Trust Agreement's spending goes to programs?
- Caterpillar Inc Group Insurance Master Trust Agreement spends about 100% of its total expenses on programs, based on its latest IRS Form 990.
- What financial grade does Caterpillar Inc Group Insurance Master Trust Agreement have?
- CharityIndex grades Caterpillar Inc Group Insurance Master Trust Agreement A, based on program efficiency and fundraising cost.
- How much does Caterpillar Inc Group Insurance Master Trust Agreement's highest-paid employee make?
- The highest reported compensation on Caterpillar Inc Group Insurance Master Trust Agreement's latest Form 990 is $205,133, paid to The Northern Trust Company (Trustee).
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Data for Caterpillar Inc Group Insurance Master Trust Agreement (EIN 36-6426495) comes from the IRS Business Master File and e-filed Form 990 returns, via CharityIndex. Figures reflect what the organization reported to the IRS for each fiscal year.