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CALIFORNIA SMALL MANUFACTURING HEALTH

PHOENIX, AZ · EIN 611670591 · Form 990 · FY2022 · NTEE Y43 · Mutual & Membership Benefit · Large ($10M-$50M) · www.csmhwtf.org
revenue
$12.3M
expenses
$12.3M
net assets
$608K
employees
0
program ratio
100%
mission · from form 990

TO PROVIDE HEALTH BENEFITS FOR PARTICIPANTS AND THEIR COVERED DEPENEDENTS.

profile · synthesized from sources

California Small Manufacturing Trust (CSMT) is a 501(c)(9) VEBA trust that provides health and welfare benefits to employees of small and medium-sized manufacturing firms in California. Employers pool resources through the trust to access fully insured medical, dental, and vision plans while offloading administrative, compliance, and fiduciary responsibilities. The trust handles regulatory filings, carrier contracts, and data security, offering a streamlined alternative to individual employer-sponsored plans.

named programs · 4 · from sources

what they call their work

Dental Benefits Plan
Provides HMO and PPO dental coverage options through MetLife with high and low benefit tiers
Medical Benefits Plan
Offers fully insured HMO and PPO health plans through HealthNet and Blue Shield with multiple tiers for employer and employee cost-sharing
Trust Administration & Compliance Services
Handles ERISA, ACA, COBRA, FMLA compliance, carrier contracts, data security, and annual Form 5500 filings on behalf of participating employers
Vision Benefits Plan
Offers high and low option vision coverage through MetLife
activities · 3 clusters

what they do

  • Self-Insured Health Benefit Pool Administration 4 activities
    • Administering health benefits programs
      Provides and administers a health benefits program for small and medium-sized employers, offering various health, dental, and vision plans. This includes managing enrollment, collecting and disbursing employer contributions, and handling regulatory filings and compliance.
    • Administering health benefits programs
      Provides and administers health benefit options, including HMO, dental, and vision plans, for small and medium-sized employers. This includes managing enrollment, contracting with medical carriers, collecting and disbursing employer contributions, and handling regulatory compliance such as COBRA and FMLA.
    • Administering health benefits programs
      Provides and administers a health benefits program for small and medium-sized employers, offering various health, dental, and vision plans. This includes managing enrollment, collecting and disbursing employer contributions, and handling regulatory filings and compliance.
    • Provides administrative and compliance services for employer-sponsored benefit programs
      Files a single Form 5500 and other regulatory filings on behalf of participating employers, simplifying ERISA and federal compliance, especially for those with over 100 employees in medical plans. Manages contracts with medical carriers, collects and disburses employer contributions, produces monthly financial and eligibility reports, and administers federally mandated programs including COBRA and FMLA.
  • Organizational Transparency Reporting 4 activities
    • Maintains regulatory and financial transparency as a VEBA
      Operates as a voluntary employees’ beneficiary association (VEBA) with 501(c)(9) tax-exempt status, regulated under ERISA by the U.S. Department of Labor, Department of Health and Human Services, and the Affordable Care Act. Published a 2024 summary annual report to ensure financial and operational transparency.
    • Publishing annual reports
      Publishes summary annual reports detailing the organization's financial and operational performance for its health benefits program.
    • Publishing annual reports
      Publishes summary annual reports detailing the organization's financial and operational performance for its health benefits program.
    • Publishing annual reports
      Publishes summary annual reports detailing the organization's financial and operational performance for its health benefits programs.
  • Group Health and Dental Benefits Administration 1 activity
    • Administers group health and ancillary benefit plans for small and medium-sized employers
      Offers multiple health insurance plans including HealthNet HMO – SmartCare M2B, Blue Shield HMO-Access+ HMO 20, MetLife dental, and MetLife vision options to members. Provides a 2025 summary plan description and 2026 enrollment form to support participation in these benefits.
financials · form 990 · fy2022

the money

revenue
Total revenue$12.31M
Contributions & grants$00%
Program service revenue$12.31M100%
Investment income$2K0%
Other revenue$0
expenses
Total expenses$12.33M
Program expenses100%
Admin / overhead0%
Fundraising0%
Salaries & benefits$0
Grants paid out$0
Largest expense lineProfessional Fees
balance sheet
Total assets$1.47M
Cash$1.36M
Investments$0
Liabilities$865K
Net assets$608K
Liquid reserves1.3 mo
2 years on record · 2020–2022 · YoY revenue -32.4%
leadership · form 990 part vii · fy2022

who runs it

board members · 4
  • BRUCE STENSLIE — Trustee
  • SAGE SCOTT — Trustee
  • TIMOTHY GALLAGHER — CHAIRPERSON
  • VICTOR ANSELMO — Secretary
relationships · 5

who they work with

  • Arthur J. Gallagher Risk Management Partner — Provides risk management services for CSMT; contact through Jonathan Monnereau at Arthur J. Gallagher
  • Blue Shield Partner — Partner organization offering HMO and PPO health plans to members
  • California Metals Coalition (CMC) Funder — Sponsors the Trust and has certain duties regarding it.
  • HealthNet Partner — Partner organization offering HMO health plans to members
  • MetLife Partner — Partner organization offering dental and vision plans to members