TY 2015 Form 990

(A) Name and Title	(B) Average hours per week (list any hours for related organizations below dotted line)	(C) Position (do not check more than one box, unless person is both an officer and a director/trustee)
(1) WILLIAM MCCONNELL...................................................................... TRUSTEE	2.00 .................	X
(2) PATRICK FOLAN...................................................................... TRUSTEE	2.00 .................	X
(3) GREGORY SALVUCCI...................................................................... TRUSTEE	2.00 .................	X
(4) JOSEPH IACOPUCCI...................................................................... TRUSTEE	2.00 .................	X
(5) THOMAS MCCORMICK...................................................................... TRUSTEE	2.00 .................	X
(6) STEPHEN GRANDE...................................................................... TRUSTEE	2.00 .................	X
(7) CHARLES RASO...................................................................... TRUSTEE	2.00 .................	X
(8) JAMES DAILEY JR...................................................................... TRUSTEE	2.00 .................	X
(9) ROBERT RIZZI...................................................................... TRUSTEE	2.00 .................	X
(10) RICHARD LAVOIE...................................................................... TRUSTEE	2.00 .................	X
(11) DAVID RILEY KREAMER...................................................................... TRUSTEE	2.00 .................	X
(12) CHRISTOPHER MEDEIROS...................................................................... TRUSTEE	2.00 .................	X
(13) LESLIE CARRIO...................................................................... TRUSTEE	2.00 .................	X
(14) RICHARD PACHECO...................................................................... TRUSTEE	2.00 .................	X
(15) JOSEPH GRENHAM...................................................................... TRUSTEE	2.00 .................	X
(16) PAUL FERRARO SR...................................................................... TRUSTEE	2.00 .................	X
(17) JAMES PIMENTAL...................................................................... TRUSTEE	2.00 .................	X

- TIN:

SCHEDULE D
(Form 990)

Department of the Treasury
Internal Revenue Service

Supplemental Financial Statements

Complete if the organization answered "Yes," on Form 990,
Part IV, line 6, 7, 8, 9, 10, 11a, 11b, 11c, 11d, 11e, 11f, 12a, or 12b.
SchDMd Bullet

Attach to Form 990.
Information about Schedule D (Form 990) and its instructions is at www.irs.gov/form990.

OMB No. 1545-0047

2015

Open to Public Inspection

Name of the organization

MASSACHUSETTS BRICKLAYERS & MASONS
HEALTH & WELFARE FUND

Employer identification number

04-2145367

Part I

Organizations Maintaining Donor Advised Funds or Other Similar Funds or Accounts. Complete if the organization answered "Yes" on Form 990, Part IV, line 6.

			(a) Donor advised funds	(b) Funds and other accounts

1	Total number at end of year ....
2	Aggregate value of contributions to (during year)
3	Aggregate value of grants from (during year)
4	Aggregate value at end of year ....

Did the organization inform all donors and donor advisors in writing that the assets held in donor advised
funds are the organization's property, subject to the organization's exclusive legal control? ...........

Yes No

Did the organization inform all grantees, donors, and donor advisors in writing that grant funds can be
used only for charitable purposes and not for the benefit of the donor or donor advisor, or for any other purpose conferring impermissible private benefit? ............................

Yes No

Part II

Conservation Easements. Complete if the organization answered "Yes" on Form 990, Part IV, line 7.

Purpose(s) of conservation easements held by the organization (check all that apply).

Preservation of land for public use (e.g., recreation or education) Preservation of an historically important land area

Protection of natural habitat Preservation of a certified historic structure

Preservation of open space

Complete lines 2a through 2d if the organization held a qualified conservation contribution in the form of a conservation easement on the last day of the tax year.


a	Total number of conservation easements ......................	2a
b	Total acreage restricted by conservation easements ....................	2b
c	Number of conservation easements on a certified historic structure included in (a) .....	2c
d	Number of conservation easements included in (c) acquired after 8/17/06, and not on a historic structure listed in the National Register ...	2d

Number of conservation easements modified, transferred, released, extinguished, or terminated by the organization during the
tax year SchDMd Bullet

Number of states where property subject to conservation easement is located SchDMd Bullet

Does the organization have a written policy regarding the periodic monitoring, inspection, handling of violations, and enforcement of the conservation easements it holds? ............

Yes No

Staff and volunteer hours devoted to monitoring, inspecting, handling of violations, and enforcing conservation easements during the year
SchDMd Bullet

Amount of expenses incurred in monitoring, inspecting, handling of violations, and enforcing conservation easements during the year
SchDMd Bullet

Does each conservation easement reported on line 2(d) above satisfy the requirements of section 170(h)(4)(B)(i) and section 170(h)(4)(B)(ii)? .............................

Yes No

In Part XIII, describe how the organization reports conservation easements in its revenue and expense statement, and
balance sheet, and include, if applicable, the text of the footnote to the organization’s financial statements that describes
the organization’s accounting for conservation easements.

Part III

Organizations Maintaining Collections of Art, Historical Treasures, or Other Similar Assets.
Complete if the organization answered "Yes" on Form 990, Part IV, line 8.

If the organization elected, as permitted under SFAS 116 (ASC 958), not to report in its revenue statement and balance sheet works of art, historical treasures, or other similar assets held for public exhibition, education, or research in furtherance of public service, provide, in Part XIII, the text of the footnote to its financial statements that describes these items.

If the organization elected, as permitted under SFAS 116 (ASC 958), to report in its revenue statement and balance sheet works of art, historical treasures, or other similar assets held for public exhibition, education, or research in furtherance of public service, provide the following amounts relating to these items:

(i)

Revenue included on Form 990, Part VIII, line 1 ......................... SchDMd Bullet

(ii)

Assets included in Form 990, Part X ............................... SchDMd Bullet

If the organization received or held works of art, historical treasures, or other similar assets for financial gain, provide the
following amounts required to be reported under SFAS 116 (ASC 958) relating to these items:

Revenue included on Form 990, Part VIII, line 1 .......................... SchDMd Bullet

Assets included in Form 990, Part X ............................... SchDMd Bullet

For Paperwork Reduction Act Notice, see the Instructions for Form 990.

Cat. No. 52283D

Schedule D (Form 990) 2015

Page 2

Part III

Organizations Maintaining Collections of Art, Historical Treasures, or Other Similar Assets (continued)

Using the organization’s acquisition, accession, and other records, check any of the following that are a significant use of its collection items (check all that apply):

Public exhibition

Loan or exchange programs

Scholarly research

Other

Preservation for future generations

Provide a description of the organization’s collections and explain how they further the organization’s exempt purpose in
Part XIII.

During the year, did the organization solicit or receive donations of art, historical treasures or other similar
assets to be sold to raise funds rather than to be maintained as part of the organization’s collection?...

Yes No

Part IV

Escrow and Custodial Arrangements. Complete if the organization answered "Yes" on Form 990, Part IV, line 9, or reported an amount on Form 990, Part X, line 21.

Is the organization an agent, trustee, custodian or other intermediary for contributions or other assets not
included on Form 990, Part X? ....................................

Yes No


b	If "Yes," explain the arrangement in Part XIII and complete the following table:		Amount
c	Beginning balance .............................	1c
d	Additions during the year ............................	1d
e	Distributions during the year ..........................	1e
f	Ending balance ................................	1f

Did the organization include an amount on Form 990, Part X, line 21, for escrow or custodial account liability?

Yes No

If "Yes," explain the arrangement in Part XIII. Check here if the explanation has been provided in Part XIII ........

Part V

Endowment Funds. Complete if the organization answered "Yes" on Form 990, Part IV, line 10.

		(a)Current year	(b)Prior year	(c)Two years back	(d)Three years back	(e)Four years back

1a	Beginning of year balance ....
b	Contributions ...
c	Net investment earnings, gains, and losses
d	Grants or scholarships ...
e	Other expenditures for facilities and programs ...
f	Administrative expenses ....
g	End of year balance ......

Provide the estimated percentage of the current year end balance (line 1g, column (a)) held as:

Board designated or quasi-endowment SchDMd Bullet

Permanent endowment SchDMd Bullet

Temporarily restricted endowment SchDMd Bullet

The percentages on lines 2a, 2b, and 2c should equal 100%.

Are there endowment funds not in the possession of the organization that are held and administered for the
organization by:

Yes

(i) unrelated organizations .................

3a(i)

(ii) related organizations .................

3a(ii)

If "Yes" on 3a(ii), are the related organizations listed as required on Schedule R? .........

Describe in Part XIII the intended uses of the organization's endowment funds.

Part VI

Land, Buildings, and Equipment.
Complete if the organization answered 'Yes' on Form 990, Part IV, line 11a. See Form 990, Part X, line 10.

Description of property		(a) Cost or other basis (investment)	(b)Cost or other basis (other)	(c) Accumulated depreciation	(d) Book value

1a	Land ...
b	Buildings
c	Leasehold improvements
d	Equipment ...
e	Other ...	695,669	651,569	44,100
Total. Add lines 1a through 1e. (Column (d) must equal Form 990, Part X, column (B), line 10(c).)..				44,100

Schedule D (Form 990) 2015

Page 3

Part VII

InvestmentsOther Securities. Complete if the organization answered 'Yes' on Form 990, Part IV, line 11b. See Form 990, Part X, line 12.

(a) Description of security or category (including name of security)	(b)Book value	(c)Method of valuation: Cost or end-of-year market value
(1)Financial derivatives
(2)Closely-held equity interests
(3)Other (A) INTERMEDIATE US GOVT/CRD BOND FUND	21,306,275	F
(B) STATE STREET S&P 500 FLAGSHIP FUND	12,193,834	F
(B)
(C)
(D)
(E)
(F)
(G)
(H)
Total. (Column (b) must equal Form 990, Part X, col. (B) line 12.)	33,500,109

Part VIII

InvestmentsProgram Related. Complete if the organization answered 'Yes' on Form 990, Part IV, line 11c. See Form 990, Part X, line 13.

(a) Description of investment	(b) Book value	(c) Method of valuation: Cost or end-of-year market value

(1)
(2)
(3)
(4)
(5)
(6)
(7)
(8)
(9)
Total. (Column (b) must equal Form 990, Part X, col.(B) line 13.)

Part IX

Other Assets. Complete if the organization answered 'Yes' on Form 990, Part IV, line 11d. See Form 990, Part X, line 15.

(a) Description				(b) Book value

(1)
(2)
(3)
(4)
(5)
(6)
(7)
(8)
(9)
Total. (Column (b) must equal Form 990, Part X, col.(B) line 15.)...........

Part X

Other Liabilities. Complete if the organization answered 'Yes' on Form 990, Part IV, line 11e or 11f. See Form 990, Part X, line 25.

1.(a) Description of liability	(b) Book value
(1) Federal income taxes
HEALTH CLAIMS PAYABLE	2,600,851
(2)
(3)
(4)
(5)
(6)
(7)
(8)
(9)
Total. (Column (b) must equal Form 990, Part X, col.(B) line 25.)	2,600,851
2. Liability for uncertain tax positions. In Part XIII, provide the text of the footnote to the organization's financial statements that reports the organization's liability for uncertain tax positions under FIN 48 (ASC 740). Check here if the text of the footnote has been provided in Part XIII

Schedule D (Form 990) 2015

Page 4

Part XI Reconciliation of Revenue per Audited Financial Statements With Revenue per Return Complete if the organization answered 'Yes' on Form 990, Part IV, line 12a.
1	Total revenue, gains, and other support per audited financial statements .......			1	28,512,837
2	Amounts included on line 1 but not on Form 990, Part VIII, line 12:
a	Net unrealized gains (losses) on investments ....	2a	645,676
b	Donated services and use of facilities .........	2b
c	Recoveries of prior year grants ...........	2c
d	Other (Describe in Part XIII.) ............	2d
e	Add lines 2a through 2d .....................			2e	645,676
3	Subtract line 2e from line 1..................			3	27,867,161
4	Amounts included on Form 990, Part VIII, line 12, but not on line 1:
a	Investment expenses not included on Form 990, Part VIII, line 7b .	4a	42,361
b	Other (Describe in Part XIII.) ...........	4b
c	Add lines 4a and 4b....................			4c	42,361
5	Total revenue. Add lines 3 and 4c. (This must equal Form 990, Part I, line 12.) ......			5	27,909,522

Part XII Reconciliation of Expenses per Audited Financial Statements With Expenses per Return. Complete if the organization answered 'Yes' on Form 990, Part IV, line 12a.
1	Total expenses and losses per audited financial statements ...........			1	25,537,070
2	Amounts included on line 1 but not on Form 990, Part IX, line 25:
a	Donated services and use of facilities .........	2a
b	Prior year adjustments ............	2b
c	Other losses ................	2c
d	Other (Describe in Part XIII.) ............	2d
e	Add lines 2a through 2d....................			2e	0
3	Subtract line 2e from line 1...................			3	25,537,070
4	Amounts included on Form 990, Part IX, line 25, but not on line 1:
a	Investment expenses not included on Form 990, Part VIII, line 7b ..	4a	42,361
b	Other (Describe in Part XIII.) ............	4b	671,947
c	Add lines 4a and 4b.....................			4c	714,308
5	Total expenses. Add lines 3 and 4c. (This must equal Form 990, Part I, line 18.) ......			5	26,251,378

Part XIII

Supplemental Information

Provide the descriptions required for Part II, lines 3, 5, and 9; Part III, lines 1a and 4; Part lV, lines 1b and 2b;
Part V, line 4; Part X, line 2; Part XI, lines 2d and 4b; and Part XII, lines 2d and 4b. Also complete this part to provide any additional information.

Return Reference	Explanation
PART X, LINE 2:	ACCOUNTING PRINCIPLES GENERALLY ACCEPTED IN THE UNITED STATES OF AMERICA REQUIRE PLAN MANAGEMENT TO EVALUATE TAX POSITIONS TAKEN BY THE PLAN AND RECOGNIZE A TAX LIABILITY (OR ASSET) IF THE PLAN HAS TAKEN AN UNCERTAIN POSITION THAT MORE LIKELY THAN NOT WOULD BE SUSTAINED UPON EXAMINATION BY THE DEPARTMENT OF LABOR AND INTERNAL REVENUE SERVICE. THE PLAN ADMINISTRATOR HAS ANALYZED THE TAX POSITIONS TAKEN BY THE PLAN, AND HAS CONCLUDED THAT AS OF MARCH 31, 2016, THERE ARE NO UNCERTAIN POSITIONS TAKEN OR EXPECTED TO BE TAKEN THAT WOULD REQUIRE RECOGNITION OF A LIABILITY (OR ASSET) OR DISCLOSURE IN THE FINANCIAL STATEMENTS.
PART XII, LINE 4B - OTHER ADJUSTMENTS:	CHANGE IN PLANS TOTAL BENEFIT OBLIGATION 671,947.

Return Reference

Explanation

PART X, LINE 2:

ACCOUNTING PRINCIPLES GENERALLY ACCEPTED IN THE UNITED STATES OF AMERICA REQUIRE PLAN MANAGEMENT TO EVALUATE TAX POSITIONS TAKEN BY THE PLAN AND RECOGNIZE A TAX LIABILITY (OR ASSET) IF THE PLAN HAS TAKEN AN UNCERTAIN POSITION THAT MORE LIKELY THAN NOT WOULD BE SUSTAINED UPON EXAMINATION BY THE DEPARTMENT OF LABOR AND INTERNAL REVENUE SERVICE. THE PLAN ADMINISTRATOR HAS ANALYZED THE TAX POSITIONS TAKEN BY THE PLAN, AND HAS CONCLUDED THAT AS OF MARCH 31, 2016, THERE ARE NO UNCERTAIN POSITIONS TAKEN OR EXPECTED TO BE TAKEN THAT WOULD REQUIRE RECOGNITION OF A LIABILITY (OR ASSET) OR DISCLOSURE IN THE FINANCIAL STATEMENTS.

PART XII, LINE 4B - OTHER ADJUSTMENTS:

CHANGE IN PLANS TOTAL BENEFIT OBLIGATION 671,947.

Schedule D (Form 990) 2015

Additional Data

Software ID:
Software Version:

- TIN:

Schedule J
(Form 990)

Department of the Treasury
Internal Revenue Service

Compensation Information

For certain Officers, Directors, Trustees, Key Employees, and Highest
Compensated Employees
SchJMediumBullet

Complete if the organization answered "Yes" on Form 990, Part IV, line 23.
SchJMediumBullet

Attach to Form 990.
SchJMediumBullet

Information about Schedule J (Form 990) and its instructions is at www.irs.gov/form990.

OMB No. 1545-0047

2015

Open to Public Inspection

Name of the organization

MASSACHUSETTS BRICKLAYERS & MASONS
HEALTH & WELFARE FUND

Employer identification number

04-2145367

Part I

Questions Regarding Compensation

Yes

Check the appropiate box(es) if the organization provided any of the following to or for a person listed on Form
990, Part VII, Section A, line 1a. Complete Part III to provide any relevant information regarding these items.

First-class or charter travel Housing allowance or residence for personal use

Travel for companions Payments for business use of personal residence

Tax idemnification and gross-up payments Health or social club dues or initiation fees

Discretionary spending account Personal services (e.g., maid, chauffeur, chef)

If any of the boxes in line 1a are checked, did the organization follow a written policy regarding payment or reimbursement or provision of all of the expenses described above? If "No," complete Part III to explain .........

Did the organization require substantiation prior to reimbursing or allowing expenses incurred by all
directors, trustees, officers, including the CEO/Executive Director, regarding the items checked in line 1a? ..

Indicate which, if any, of the following the filing organization used to establish the compensation of the
organization's CEO/Executive Director. Check all that apply. Do not check any boxes for methods
used by a related organization to establish compensation of the CEO/Executive Director, but explain in Part III.

Compensation committee Written employment contract

Independent compensation consultant Compensation survey or study

Form 990 of other organizations Approval by the board or compensation committee

During the year, did any person listed on Form 990, Part VII, Section A, line 1a with respect to the filing organization or a related organization:

Receive a severance payment or change-of-control payment? ................

Participate in, or receive payment from, a supplemental nonqualified retirement plan? .........

Participate in, or receive payment from, an equity-based compensation arrangement? .........

If "Yes" to any of lines 4a-c, list the persons and provide the applicable amounts for each item in Part III.

Only 501(c)(3), 501(c)(4), and 501(c)(29) organizations must complete lines 5-9.

For persons listed on Form 990, Part VII, Section A, line 1a, did the organization pay or accrue any
compensation contingent on the revenues of:

The organization? ...........................

Any related organization?

If "Yes," on line 5a or 5b, describe in Part III.

For persons listed on Form 990, Part VII, Section A, line 1a, did the organization pay or accrue any
compensation contingent on the net earnings of:

The organization?

Any related organization? .........................

If "Yes," on line 6a or 6b, describe in Part III.

For persons listed on Form 990, Part VII, Section A, line 1a, did the organization provide any non-fixed
payments not described in lines 5 and 6? If "Yes," describe in Part III ............

Were any amounts reported on Form 990, Part VII, paid or accured pursuant to a contract that was
subject to the initial contract exception described in Regulations section 53.4958-4(a)(3)? If "Yes," describe
in Part III .............................

If "Yes" on line 8, did the organization also follow the rebuttable presumption procedure described in Regulations section 53.4958-6(c)? .........................

For Paperwork Reduction Act Notice, see the Instructions for Form 990.

Cat. No. 50053T

Schedule J (Form 990) 2015

Page 2

Part II

Officers, Directors, Trustees, Key Employees, and Highest Compensated Employees. Use duplicate copies if additional space is needed.

For each individual whose compensation must be reported on Schedule J, report compensation from the organization on row (i) and from related organizations, described in the
instructions, on row (ii). Do not list any individuals that are not listed on Form 990, Part VII.
Note. The sum of columns (B)(i)-(iii) for each listed individual must equal the total amount of Form 990, Part VII, Section A, line 1a, applicable column (D) and (E) amounts for that individual.

(A) Name and Title		(B) Breakdown of W-2 and/or 1099-MISC compensation			(C) Retirement and other deferred compensation	(D) Nontaxable benefits	(E) Total of columns (B)(i)-(D)	(F) Compensation in column(B) reported as deferred on prior Form 990
(A) Name and Title		(i) Base compensation	(ii) Bonus & incentive compensation	(iii) Other reportable compensation	(C) Retirement and other deferred compensation	(D) Nontaxable benefits	(E) Total of columns (B)(i)-(D)
1CHUCK RASO IIEXECUTIVE DIRECTOR	(i) (ii)	40,903 ------------- 72,089	0 ------------- 0	0 ------------- 0	0 ------------- 65,841	10,180 ------------- 0	51,083 ------------- 137,930	0 ------------- 0
2GREGORY SARNOEMPLOYEE	(i) (ii)	39,622 ------------- 69,831	0 ------------- 0	0 ------------- 0	0 ------------- 64,912	10,180 ------------- 0	49,802 ------------- 134,743	0 ------------- 0
3RAY GAITA JRASSISTANT TO EXECUTIVE DIR	(i) (ii)	39,021 ------------- 68,772	0 ------------- 0	0 ------------- 0	0 ------------- 64,521	10,180 ------------- 0	49,201 ------------- 133,293	0 ------------- 0

Schedule J (Form 990) 2015

Page 3

Part III

Supplemental Information

Provide the information, explanation, or descriptions required for Part I, lines 1a, 1b, 3, 4a, 4b, 4c, 5a, 5b, 6a, 6b, 7, and 8, and for Part II. Also complete this part for any additional information.

Return Reference	Explanation

Schedule J (Form 990) 2015

Additional Data

Software ID:
Software Version:

- TIN:

SCHEDULE O
(Form 990 or 990-EZ)

Department of the Treasury
Internal Revenue Service

Supplemental Information to Form 990 or 990-EZ

Complete to provide information for responses to specific questions on
Form 990 or 990-EZ or to provide any additional information.
MediumBullet

Attach to Form 990 or 990-EZ.
MediumBullet

Information about Schedule O (Form 990 or 990-EZ) and its instructions is at
www.irs.gov/form990.

OMB No. 1545-0047

2015

Open to Public
Inspection

Name of the organization

MASSACHUSETTS BRICKLAYERS & MASONS
HEALTH & WELFARE FUND

Employer identification number

04-2145367

Return Reference	Explanation
FORM 990, PART VI, SECTION A, LINE 6	COLLECTIVELY BARGAINED MULTIEMPLOYER PLAN FOR MEMBERS OF MASACHUSETTS BRICKLAYERS AND MASONS UNION
FORM 990, PART VI, SECTION B, LINE 11	TRUSTEES REVIEW AND APPROVE THE FORM 990 PRIOR TO FILING
FORM 990, PART VI, SECTION B, LINE 12	FUND IS SUBJECT TO RULES AND REGULATIONS OF EMPLOYEE RETIREMENT SECURITY ACT (ERISA)
FORM 990, PART VI, SECTION B, LINE 15A	COMPENSATION SUBJECT TO APPROVAL OF THE BOARD OF TRUSTEES
FORM 990, PART VI, SECTION C, LINE 19	NO DOCUMENTS AVAILABLE TO PUBLIC
FORM 990, PART XII, LINE 2C:	THE ORGANIZATION HAS NOT CHANGED ITS OVERSIGHT PROCESS DURING THE TAX YEAR.

For Paperwork Reduction Act Notice, see the Instructions for Form 990 or 990-EZ.

Cat. No. 51056K

Schedule O (Form 990 or 990-EZ) 2015

Additional Data

Software ID:
Software Version:

- TIN:

SCHEDULE R
(Form 990)

Department of the Treasury
Internal Revenue Service

Related Organizations and Unrelated Partnerships

Complete if the organization answered "Yes" on Form 990, Part IV, line 33, 34, 35b, 36, or 37.
MediumBullet

Attach to Form 990.
MediumBullet

Information about Schedule R (Form 990) and its instructions is at www.irs.gov/form990.

OMB No. 1545-0047

2015

Open to Public Inspection

Name of the organization

MASSACHUSETTS BRICKLAYERS & MASONS
HEALTH & WELFARE FUND

Employer identification number

04-2145367

Part I

Identification of Disregarded Entities Complete if the organization answered "Yes" on Form 990, Part IV, line 33.

(a) Name, address, and EIN (if applicable) of disregarded entity	(b) Primary activity	(c) Legal domicile (state or foreign country)	(d) Total income	(e) End-of-year assets	(f) Direct controlling entity

Part II

Identification of Related Tax-Exempt Organizations Complete if the organization answered "Yes" on Form 990, Part IV, line 34 because it had one or more related tax-exempt organizations during the tax year.

(a) Name, address, and EIN of related organization	(b) Primary activity	(c) Legal domicile (state or foreign country)	(d) Exempt Code section	(e) Public charity status (if section 501(c)(3))	(f) Direct controlling entity	(g) Section 512(b)(13) controlled entity?
(a) Name, address, and EIN of related organization	(b) Primary activity	(c) Legal domicile (state or foreign country)	(d) Exempt Code section	(e) Public charity status (if section 501(c)(3))	(f) Direct controlling entity	Yes	No
(1)MASSACHUSETTS BRICKLAYERS & MASONS PENSION FUND 645 MORRISSEY BOULEVARD BOSTON,MA02122 04-6128039	EMPLOYEE BENEFITS	MA	401				No
(2)MASSACHUSETTS BRICKLAYERS & MASONS ANNUITY FUND 645 MORRISSEY BOULEVARD BOSTON,MA02122 04-6375393	EMPLOYEE BENEFITS	MA	401				No
(3)BRICKLAYERS & ALLIED CRAFTSMEN UNION LOCAL NO 3 APPRENTICE & TRAINING FUND 550 MEDFORD STREET CHARLESTOWN,MA02129 22-2518280	TRAINING FUND	MA	501(C)(5)				No
(4)BRICKLAYERS & ALLIED CRAFTSWORKERS LOCAL 3 550 MEDFORD STREET CHARLESTOWN,MA02129 04-3208681	LABOR UNION	MA	501(C)(5)				No

For Paperwork Reduction Act Notice, see the Instructions for Form 990.

Cat. No. 50135Y

Schedule R (Form 990) 2015

Page 2

Part III

Identification of Related Organizations Taxable as a Partnership Complete if the organization answered "Yes" on Form 990, Part IV, line 34 because it had one or more related organizations treated as a partnership during the tax year.

(a) Name, address, and EIN of related organization	(b) Primary activity	(c) Legal domicile (state or foreign country)	(d) Direct controlling entity	(f) Share of total income	(g) Share of end-of-year assets	(h) Disproprtionate allocations?		(i) Code V-UBI amount in box 20 of Schedule K-1 (Form 1065)	(j) General or managing partner?
(a) Name, address, and EIN of related organization	(b) Primary activity	(c) Legal domicile (state or foreign country)	(d) Direct controlling entity	(f) Share of total income	(g) Share of end-of-year assets	Yes	No	(i) Code V-UBI amount in box 20 of Schedule K-1 (Form 1065)	Yes	No

Part IV

Identification of Related Organizations Taxable as a Corporation or Trust Complete if the organization answered "Yes" on Form 990, Part IV, line 34 because it had one or more related organizations treated as a corporation or trust during the tax year.

(a) Name, address, and EIN of related organization	(b) Primary activity	(c) Legal domicile (state or foreign country)	(d) Direct controlling entity	(e) Type of entity (C corp, S corp, or trust)	(f) Share of total income	(g) Share of end-of-year assets	(i) Section 512(b)(13) controlled entity?
(a) Name, address, and EIN of related organization	(b) Primary activity	(c) Legal domicile (state or foreign country)	(d) Direct controlling entity	(e) Type of entity (C corp, S corp, or trust)	(f) Share of total income	(g) Share of end-of-year assets	Yes	No
(1) A-1 MASONRY AND CONSTR INC 97 ROCHESTER RD CARVER,MA02330 47-1575168		MA						No
(2) AA PENTA CORP 5 ALDEN AVE STONEHAM,MA02180 47-1287793		MA						No
(3) ABG CAULKING BOX 544 GOODLESVILLE,TN37072 62-1074398		TN						No
(4) ACE RESTORATION CO INC 29 LINDEN ST MEDFORD,MA02155 04-3196042		MA						No
(5) ALL PHASE RESTORATION 204 LEIGH RD CUMBERLAND,RI02864 20-8090114		RI						No
(6) ALLEGHENY CONTRACT FLOORING INC 36 HOLTON ST WINCHESTER,MA01890 04-3400632		MA						No
(7) ALPHA OMEGA CONSTRUCTION INC PO BOX 14193 EAST PROVIDENCE,RI02914 05-0480919		RI						No
(8) AMERICAN MASONRY INC 119 DUPUIS RD HOLYOKE,MA01040 80-0003439		MA						No
(9) AQUADRO & CERRUTI INC 131 TEXAS RD PO BOX 656 NORTH HAMPTON,MA01061 04-2079294		MA						No
(10) ARCHITECTURAL BUILDING & RESTORATION LLC 407 REAR MYSTIC AVE UNIT 16 MEDFORD,MA02155 04-3533372		MA						No
(11) ARCHITECTURAL PAVING & STONE INC 402 LIBBEY PARKWAY WEYMOUTH,MA02189 04-2923469		MA						No
(12) ARTISTIC MASONRY REPAIRS INC 18 RIVER ROAD NEW PAITZ,NY12561 46-5659320		NY						No
(13) ATLANTIC MASONRY PRODUCTS CORP 67 QUINNIPIAC AVE NORTH HAVEN,CT06473 06-0768721		CT						No
(14) ATLANTIC POLYMERS GROUP INC 2 AIR DANCER LANE COLTS NECK,NJ07722 22-3515695		NJ						No
(15) AYOTTE & KING FOR TILE INC 165 TRILBY AVE CHICOPEE,MA01020 04-2312916		MA						No
(16) BW DEXTER II INC 562 WESTCOTT RD DANIELSON,CT06239 06-1285172		CT						No
(17) BEACON WATERPROOFING 34 CHURCH STREET DUXBURY,MA02332 46-5376338		MA						No
(18) BK TILE & STONE 50 FEDERAL STREET GREENFIELD,MA01301 47-1698414		MA						No
(19) BLAKESLEE PRESTRESS INC RTE 139/MCDERMOTT DR PO BOX 510 BRANFORD,CT06405 06-0952081		CT						No
(20) BMR CONTRACTING INC 946 GREAT PLAIN AVE NEEDHAM,MA02492 46-2135869		MA						No
(21) BRUNCA WATERPROOFING CORP 43 WILSON ST PROVIDENCE,RI02914 05-0367191		RI						No
(22) BUSINESS INTERIOR FLOOR COVERING INC 16 EVERBERG RD WOBURN,MA01801 04-3354908		MA						No
(23) C & S CO INC 1591 EAST ST PITTSFIELD,MA01201 04-2297944		MA						No
(24) CALHESS RESTORATION & WEATHERPROOFING 405 COLUMBIA RD BOSTON,MA02125 04-6951798		MA						No
(25) CANTARELLA & SONS INC 1591 EAST ST PITTSFIELD,MA01201 55-0841802		MA						No
(26) KENNETH CASTELLUCCI & ASSOC INC 9 NEW ENGLAND WAY LINCOLN,RI02864 05-0470389		RI						No
(27) CAVALIERI CONSTRUCTION CO INC 16 ROBIN ST EVERETT,MA02149 04-2676194		MA						No
(28) CENTURY MASONRY 24 WOODSIA RD SAUNDERSTOWN,RI02874		RI
(29) CHABOT & BURNETT CONSTRUCTION CO INC 36 RAMAH CIRCLE NORTH AGAWAM,MA01001 04-2565277		MA						No
(30) CHAMPLAIN MASONRY INC 8 FEDERICO DR PITTSFIELD,MA01201 04-2829585		MA						No
(31) CHAPMAN WATERPROOFING CO 395 COLUMBIA RD BOSTON,MA02125 04-1168440		MA						No
(32) CHASE CONSTRUCTION CO 154 ANTHONY RD PORTSMOUTH,RI02871 05-0281375		RI						No
(33) CIP CONCRETE INC 518 PLEASANT ST SUITE 320 NORTH HAMPTON,MA01060 04-3512511		MA						No
(34) COMMERCIAL MASONRY CORP 11 ALDRIN RD PLYMOUTH,MA02360 04-2919829		MA						No
(35) COMMERICAL CONSTRUCTION CORP 1 MILLS POINT MIDDLETON,MA01949 04-2468309		MA						No
(36) CONTRACTING SPECIALISTS INC 453 SOUTH MAIN ST ATTLEBORO,MA02703 04-3321649		MA						No
(37) COSTA BROTHERS MASONRY INC 2 LAMBETH PARK DRIVE FAIRHAVEN,MA02719 04-3054314		MA						No
(38) D&M PRECAST PATCHING & CUTTING INC 18 RIVER ROAD NEW PALTZ,NY12561 26-2752902		NY						No
(39) D S COMMERCIAL MASONRY INC 45 INDUSTRIAL DR WRENTHAM,MA02093 02-0805754		MA						No
(40) D SCHUMACHER LANDSCAPING INC 392 PLEASANT ST WEST BRIDGEWATER,MA02379 20-0240159		MA						No
(41) DANIEL O'CONNELL'S SONS INC 480 HAMPDEN ST PO BOX 267 HOLYOKE,MA01041 04-1685580		MA						No
(42) DEBRINO CAULKING ACCOC INC 1304 RTE 9 CASTLETON,NY12033 14-1588127		NY						No
(43) DENNEHY MASONRY RESTORATION INC 104 HOBART ST MANCHESTER,NH03104 45-4328663		NH						No
(44) DEPAOLI MOSAIC COMPANY 52 YORK AVE RANDOLPH,MA02368 04-1242410		MA						No
(45) DEPENDABLE MASONRY CONSTRUCTION CO INC 73 CONCORD ST NORTH READING,MA01864 04-2640024		MA						No
(46) DESIDERIO MASONRY INC 16 STEWART RD NORTH READING,MA01864 04-3186835		MA						No
(47) DESIGNS IN MARBLE 61 FROST RD DERRY,NH03038 03-0297659		NH						No
(48) DP MASONRY INC 833D AMERICAN LEGION HWY WESTPORT,MA02790 57-1176825		MA						No
(49) EASTERN REPAIR & WEATHERPROOFING INC 121 WALDO ST PROVIDENCE,RI02907 06-1476901		RI						No
(50) EMPIRE MASONRY CORP 231 NORFOLK ST WALPOLE,MA02081 04-2549950		MA						No
(51) EPIC MASONRY 60 CHURCH ST RT 68 1-B WALLINGFORD,CT06492 27-3536025		CT						No
(52) EUGENE G SACKETT CO INC 454 LEE RD ROCHESTER,NY14606 16-0958649		NY						No
(53) F&D TRUCKING CO INC 14 MCCRACKEN RD MILLBURY,MA01527 04-2401843		MA						No
(54) FABCON PRECAST LLC 6111 WEST HWY 13 SAVAGE,MN55378 45-5442888		MN						No
(55) FOLAN WATERPROOFING & CONSTRUCTION CO INC 795 WASHINGTON ST SOUTH EASTON,MA02375 04-2449585		MA						No
(56) FONAINE BROS INC 510 COTTAGE ST SPRINGFIELD,MA01104 04-2497428		MA						No
(57) GVW INC 1200 BENNINGTON ST EAST BOSTON,MA02128 04-2909591		MA						No
(58) GRANDE MASONRY LLC 780 ALLENS AVE PROVIDENCE,RI02905 05-0505013		RI						No
(59) HENDERSON FLOOR COVERING INC 3 FORD ST PROVIDENCE,RI02907 41-2073510		RI						No
(60) HERITAGE RESTORATION INC PO BOX 478 ROCKLAND,MA02370 04-2894657		MA						No
(61) HIGH POINT INTERIORS INC 50 MATTAKEESETT ST PEMBROKE,MA02359 04-3114697		MA						No
(62) HP CUMMINGS CONSTRUCTION CO 14 PROSPECT ST WARE,MA01082		MA
(63) IEG CONSTRUCTION LLC 400 LINCON AVE WARWICK,RI02888 05-0512059		RI						No
(64) INFAB REFRACTORIES INC 150 SUMMER ST LEWISTON,ME04240 20-0437547		ME						No
(65) INTERIOR TILE DESIGN 17 WORCESTER RD NATICK,MA01760 61-1445036		MA						No
(66) JC FLOOR COVERING 14 JEWEL DRIVE SUITE 6 WILMINGTON,MA01887 04-3083824		MA						No
(67) JAJ TILE CO INC 21 PRESCOTT ST MEDFORD,MA02155 04-3027935		MA						No
(68) JOSEPH COHN & SONS TILE & TERRAZZO LLC 50 DEVINE ST NORTH HAVEN,CT06473 45-2391165		CT						No
(69) LAL MASONRY INC 27 FERNCLIFF AVE SAUGUS,MA01906 04-3091868		MA						No
(70) LANDSCAPE BY GREENSCAPE INC 100 REVOLUTIONARY DR EAST TAUNTON,MA02718 03-0429130		MA						No
(71) LOUIS ALLEGRONE INC 273 NEWELL ST PITTSFIELD,MA01201 04-2478358		MA						No
(72) LOWELL HOUSING AUTHORITY 350 MOODY ST LOWELL,MA01854 04-6003186		MA						No
(73) LUXUX MARBLE & GRANITE LLC 1515 ELMWOOD AVE CRANSTON,RI02910 27-1429055		RI						No
(74) M DISANDRO & SONS MASONRY INC 9 INDUSTRIAL RD CRANSTON,RI02920 05-0407246		RI						No
(75) MANAFORT BROS 414 NEW BRITAIN AVE PLAINVILLE,CT06062 06-0619109		CT						No
(76) MANUEL PAVAO CONTRACTOR INC 2 BROOKS ST PO BOX 260 REHOBOTH,MA02769 04-2515411		MA						No
(77) MARMELO BROS CONST CO INC 13 VENTURA DRIVE DARTMOUTH,MA02747 04-2768966		MA						No
(78) MCLAUGHLIN MARBLE & TILE CO INC 27 ROBERT J WAY STE 4 PLYMOUTH,MA02360 04-3260911		MA						No
(79) MERRIMAC TILE CO INC 18 TSIENNETO RD DERRY,NH03038 02-0231840		NH						No
(80) METROPOLITAN MASONRY 125 WASHINGTON ST UNIT 9 FOXBORO,MA02035 27-3172562		MA						No
(81) MF CONSTRUCTION 350 BOYDS LANE PORTSMOUTH,RI02871 05-0297174		RI						No
(82) NATIONAL MACHINERY & CONVEYOR INC PO BOX 3128 MARION,IN46953 61-1453584		IN						No
(83) NER CONSTRUCTION MGMT 867 WOBURN ST WILMINGTON,MA01887 04-2717383		MA						No
(84) NEW BOSTON INTERIORS 546 EAST BROADWAY BOSTON,MA02127 46-5423932		MA						No
(85) NEW ENGLAND DECKS AND FLOORS INC 13 CEDAR ST MILFORD,MA01757 04-2296753		MA						No
(86) OLD CASTLE PRECAST INC 123 COUNTRY ROUTE 101 SELKIRK,NY12158 91-0782138		NY						No
(87) PATRIOT RESTORATION INC 204 CEDAR HILL ST MARLBOROUGH,MA01752 26-2537196		MA						No
(88) PAVILION FLOORS INC 90 COMMERCE WAY WOBURN,MA01801 03-0514259		MA						No
(89) PHOENIX BAY STATE CONSTRUCTION CO INC 79 SHIRLEY ST BOSTON,MA02119 04-2539999		MA						No
(90) PHOENIX MASONRY INC 309 EAST ST DALTON,MA01226 20-0350969		MA						No
(91) PIZZOTTI BROS INC 15 GARDEN ST EVERETT,MA02149 04-2261472		MA						No
(92) PJ SPILLANE CO 97 TILESTON ST EVERETT,MA02149 04-3544141		MA						No
(93) PLATINUM TERRAZZO 120 BROADWAY 36TH FLOOR NEW YORK,NY10271 11-3368874		NY						No
(94) PORT MORRIS TILE & MARBLE CORP 1285 OAKPOINT AVE BRONX,NY10474 13-3534741		NY						No
(95) R & R BUILDERS INC 350 PARK ST SUITE 2075 NORTH READING,MA01864 04-2706890		MA						No
(96) REGAL FLOOR COVERING INC 2137 SOUTH MAIN ST FALL RIVER,MA02724 04-2017793		MA						No
(97) RELIABLE ROOFING & SHEET METAL LLC 105 IRVING ST FRAMINGHAM,MA01702 51-0564022		MA						No
(98) RIGGS CONTRACTING INC 72 SUMNER ST MILFORD,MA01757 26-0358105		MA						No
(99) ROMAN MOSAIC AND TILE CO 1105 SAUNDERS COURT WEST CHESTER,PA19380 23-1029270		PA						No
(100) ROMAN TILE COMPANY INC 3708 PAWTUCKET AVE RIVERSIDE,RI02915 05-0297116		RI						No
(101) RS CONTRACTING CO INC 471 BROADWAY SUITE 9 EVERETT,MA02149 04-3159911		MA						No
(102) RUGGIERI BROS INC 1191 PONTIAC AVE CRANSTON,RI02920 05-0256021		RI						No
(103) S A FEOLE MASONRY SERVICES INC PO BOX 20367 CRANSTON,RI02920 27-4655514		RI						No
(104) FRED SALVUCCI CORP 6 B ST BURLINGTON,MA01803 04-2524341		MA						No
(105) SERA DESIGNS 5 ENTERPRISE LANE SMITHFIELD,RI02917 54-2139341		RI						No
(106) SPINO BROS INC 356 GEORGE WASHINGTON HIGHWAY SMITHFIELD,RI02917 05-0429121		RI						No
(107) SRS MASONRY CONTRACTING INC 97 SAM WENTWORTH RD LEBANON,ME04027 01-0453870		ME						No
(108) STEBBINS ENGINEERING & MANUFACTURING 363 EASTERN BLVD WATERTOWN,NY13601 15-0458520		NY						No
(109) STIDSEN MASONRY INC PO BOX 466 NORTHBOROUGH,MA01532 04-3522605		MA						No
(110) SULLIVAN & NAREY CONSTRUCTION CO INC 214 MAPLE STREET HOLYOKE,MA01040 04-2698167		MA						No
(111) SUPERIOR CAULKING & WATERPROOFING INC 1154 PARK ST PALMER,MA01069 04-2641384		MA						No
(112) TABERNACLE GRANITE & MARBLE INC 1613 RT 206 TABERNACLE,NJ08088 52-1637356		NJ						No
(113) TECH VALLEY CONTRACTING LLC PO BOX 2307 MALTA,NY12020		NY
(114) TETON CONSTRUCTION INC PO BOX 268 STAMFORD,NY12167		NY
(115) THE WATERPROOFING CO 25 CHESTERTON ST BOSTON,MA02119 04-1950440		MA						No
(116) TRINITY MASONS INC PO BOX 282 SOMERS,CT06071 06-1423470		CT						No
(117) UNITED STONE & SITE INC 26 FARM ST CANTON,MA02021 04-3487005		MA						No
(118) VALLEYCREST LANDSCAPE DEVELOPMENT INC 17 ELECTRIC AVE BOSTON,MA02135 95-1590418		MA						No
(119) WATTS RESTORATION CO INC 1704 BUSTLETON PIKE FEASTERVILLE,PA19053 20-8079916		PA						No
(120) WEBSTER CONSTRUCTION CO INC 53 CLAPP STREET BOSTON,MA02125 04-2350257		MA						No
(121) WEST FLOOR COVERING INC 42 WINTER ST SUITE 11 PEMBROKE,MA02359 04-3108333		MA						No
(122) XQUISITE LANDSCAPING 1800 WASHINGTON ST STOUGHTON,MA02072 20-5211163		MA						No
(123) CAPITAL CARPET & FLOOR SPEC INC 12 WALNUT HILL PARK WOBURN,MA01801		MA
(124) COMMONWEALTH TILE INC 454 TRAPELO ROAD BELMONT,MA02478		MA
(125) ARTISTIC SURFACES 1591 N POWERLINE RD STE D POMPANO BEACH,FL33069 65-0692123		FL						No
(126) BWI STEEL & PRECAST ERECTORS 191 ELM ST SALISBURY,MA01952 45-3481801	PRECAST CONCRETE	MA						No
(127) GIOVANNI TILE & STONE 7 BALD HILL LANE PEABODY,MA01960 81-1298481	TILE INSTALLATION	MA						No
(128) GRANITE SHOP COMPANY 1919 REVERE BEACH PKWY EVERETT,MA02149 27-3627533	STONE INSTALLATION	MA						No
(129) MAC CONTRACTORS 165R TREMONT STREET MELROSE,MA02176 26-3522976	CONSTRUCTION	MA						No
(130) MACKAY CONCRETE CONST CO 27 PLYMOUTH RD WAKEFIELD,MA01880 20-8427210	CONCRETE CONSTRUCTION	MA						No
(131) ML MARBLE AND GRANITE INSTALLATIONS 298 LANCASTER ST LEOMINSTER,MA01453 81-1495278	STONE INSTALLATION	MA						No

Schedule R (Form 990) 2015

Page 3

Part V

Transactions With Related Organizations Complete if the organization answered "Yes" on Form 990, Part IV, line 34, 35b, or 36.

Note. Complete line 1 if any entity is listed in Parts II, III, or IV of this schedule.

Yes

1 During the tax year, did the orgranization engage in any of the following transactions with one or more related organizations listed in Parts II-IV?

a Receipt of (i) interest, (ii) annuities, (iii) royalties, or (iv) rent from a controlled entity .....................

b Gift, grant, or capital contribution to related organization(s) ............................

c Gift, grant, or capital contribution from related organization(s) ............................

d Loans or loan guarantees to or for related organization(s) ............................

e Loans or loan guarantees by related organization(s) ............................

f Dividends from related organization(s) ............................

g Sale of assets to related organization(s) ............................

h Purchase of assets from related organization(s) ............................

i Exchange of assets with related organization(s) ............................

j Lease of facilities, equipment, or other assets to related organization(s) .......................

k Lease of facilities, equipment, or other assets from related organization(s) ......................

l Performance of services or membership or fundraising solicitations for related organization(s) .....................

m Performance of services or membership or fundraising solicitations by related organization(s) .................

n Sharing of facilities, equipment, mailing lists, or other assets with related organization(s) ...................

Yes

o Sharing of paid employees with related organization(s) ............................

Yes

p Reimbursement paid to related organization(s) for expenses ............................

q Reimbursement paid by related organization(s) for expenses ............................

Yes

r Other transfer of cash or property to related organization(s) ............................

s Other transfer of cash or property from related organization(s) ............................

If the answer to any of the above is "Yes," see the instructions for information on who must complete this line, including covered relationships and transaction thresholds.

(a) Name of related organization	(b) Transaction type (a-s)	(c) Amount involved	(d) Method of determining amount involved

Schedule R (Form 990) 2015

Page 4

Part VI

Unrelated Organizations Taxable as a Partnership Complete if the organization answered "Yes" on Form 990, Part IV, line 37.

Provide the following information for each entity taxed as a partnership through which the organization conducted more than five percent of its activities (measured by total assets or gross revenue) that was not a related organization. See instructions regarding exclusion for certain investment partnerships.

(a) Name, address, and EIN of entity	(b) Primary activity	(c) Legal domicile (state or foreign country)	(e) Are all partners section 501(c)(3) organizations?		(f) Share of total income	(g) Share of end-of-year assets	(h) Disproprtionate allocations?		(i) Code V-UBI amount in box 20 of Schedule K-1 (Form 1065)	(j) General or managing partner?
(a) Name, address, and EIN of entity	(b) Primary activity	(c) Legal domicile (state or foreign country)	Yes	No	(f) Share of total income	(g) Share of end-of-year assets	Yes	No	(i) Code V-UBI amount in box 20 of Schedule K-1 (Form 1065)	Yes	No

Schedule R (Form 990) 2015

Page 5

Part VII

Supplemental Information

Provide additional information for responses to questions on Schedule R (see instructions).

Return Reference	Explanation

Schedule R (Form 990) 2015

Additional Data

Software ID:
Software Version:

1	Briefly describe the organization’s mission or most significant activities: PROVIDE MEDICAL BENEFITS
2	Check this box
3	Number of voting members of the governing body (Part VI, line 1a) ........	3	17
4	Number of independent voting members of the governing body (Part VI, line 1b) .....	4	17
5	Total number of individuals employed in calendar year 2015 (Part V, line 2a) ......	5	42
6	Total number of volunteers (estimate if necessary) .............	6	0
7a	Total unrelated business revenue from Part VIII, column (C), line 12 ........	7a	0
b	Net unrelated business taxable income from Form 990-T, line 34 .........	7b	0

		Prior Year	Current Year
8	Contributions and grants (Part VIII, line 1h) .........	0	0
9	Program service revenue (Part VIII, line 2g) .........	24,724,936	27,851,579
10	Investment income (Part VIII, column (A), lines 3, 4, and 7d ) ....	48,381	57,943
11	Other revenue (Part VIII, column (A), lines 5, 6d, 8c, 9c, 10c, and 11e)	8,476	0
12	Total revenue—add lines 8 through 11 (must equal Part VIII, column (A), line 12)	24,781,793	27,909,522
13	Grants and similar amounts paid (Part IX, column (A), lines 1–3 )...	0	0
14	Benefits paid to or for members (Part IX, column (A), line 4).....	23,343,082	24,785,539
15	Salaries, other compensation, employee benefits (Part IX, column (A), lines 5–10)	552,422	597,379
16a	Professional fundraising fees (Part IX, column (A), line 11e) .....	0	0
b	Total fundraising expenses (Part IX, column (D), line 25) 0
17	Other expenses (Part IX, column (A), lines 11a–11d, 11f–24e)....	978,443	868,460
18	Total expenses. Add lines 13–17 (must equal Part IX, column (A), line 25)	24,873,947	26,251,378
19	Revenue less expenses. Subtract line 18 from line 12.......	-92,154	1,658,144
		Beginning of Current Year	End of Year
20	Total assets (Part X, line 16).............	39,310,563	42,566,482
21	Total liabilities (Part X, line 26).............	2,541,246	3,493,345
22	Net assets or fund balances. Subtract line 21 from line 20.....	36,769,317	39,073,137

Sign Here

	Signature of officer	Date

	Type or print name and title


4a	(Code: ) (Expenses $ including grants of $ ) (Revenue $ )
	PROVIDE MEDICAL BENEFITS

4b	(Code: ) (Expenses $ including grants of $ ) (Revenue $ )












4c	(Code: ) (Expenses $ including grants of $ ) (Revenue $ )












4d	Other program services (Describe in Schedule O.)
	(Expenses $ including grants of $ ) (Revenue $ )
4e	Total program service expenses

1b	Sub-Total................
c	Total from continuation sheets to Part VII, Section A....
d	Total (add lines 1b and 1c)...........	119,546	210,692	225,814

(A) Name and Title	(B) Average hours per week (list any hours for related organizations below dotted line)			(D) Reportable compensation from the organization (W- 2/1099-MISC)	(E) Reportable compensation from related organizations (W- 2/1099-MISC)	(F) Estimated amount of other compensation from the organization and related organizations
(A) Name and Title
(18) CHUCK RASO II........................................................................ EXECUTIVE DIRECTOR	8.00 .......................	X		40,903	72,089	76,021
(19) GREGORY SARNO........................................................................ EMPLOYEE	13.00 .......................		X	39,622	69,831	75,092
(20) RAY GAITA JR........................................................................ ASSISTANT TO EXECUTIVE DIR	6.00 .......................		X	39,021	68,772	74,701

(A) Name and business address	(B) Description of services	(C) Compensation
BLUE CROSS BLUE SHIELD 401 PARK DRIVE BOSTON,MA02215	HEALTHCARE AND STOP LOSS INSURANCE	811,504
DELTA DENTAL 465 MEDFORD STREET BOSTON,MA02129	DENTAL CARE	116,839



2 Total number of independent contractors (including but not limited to those listed above) who received more than $100,000 of compensation from the organization 2

1a	Federated campaigns..	1a
b	Membership dues..	1b
c	Fundraising events..	1c
d	Related organizations	1d
e	Government grants (contributions)	1e

f	All other contributions, gifts, grants, and similar amounts not included above	1f

g	Noncash contributions included in lines 1a-1f:$
h Total.Add lines 1a-1f.......

			Business Code
2a	EMPLOYER CONTRIBUTIONS	900099	26,699,551	26,699,551
b	EMPLOYEE CONTRIBUTIONS	900099	1,152,028	1,152,028
c
d
e
f	All other program service revenue.
g Total.Add lines 2a–2f.....			27,851,579

3 Investment income (including dividends, interest, and othersimilar amounts) ..........			57,943			57,943
4 Income from investment of tax-exempt bond proceeds
5 Royalties...........
		(ii) Personal	(i) Real
6a	Gross rents
b	Less: rental expenses
c	Rental income or (loss)
d	Net rental income or (loss)......
		(ii) Other	(i) Securities
7a	Gross amount from sales of assets other than inventory
b	Less: cost or other basis and sales expenses
c	Gain or (loss)
d	Net gain or (loss).....
8a	Gross income from fundraising events (not including $ of contributions reported on line 1c). See Part IV, line 18 ....
	a
b	Less: direct expenses ...b
c	Net income or (loss) from fundraising events..
9a	Gross income from gaming activities. See Part IV, line 19 ...
	a
b	Less: direct expenses ...b
c	Net income or (loss) from gaming activities..
10a	Gross sales of inventory, less returns and allowances ..
	a
b	Less: cost of goods sold ..b
c	Net income or (loss) from sales of inventory..
Business Code			Miscellaneous Revenue
11a
b
c
d	All other revenue ....
e	Total. Add lines 11a–11d ......
12	Total revenue. See Instructions......			27,909,522	27,851,579	0	57,943

1	Grants and other assistance to domestic organizations and domestic governments. See Part IV, line 21
2	Grants and other assistance to individuals in the United States. See Part IV, line 22
3	Grants and other assistance to governments, organizations, and individuals outside the United States. See Part IV, lines 15 and 16
4	Benefits paid to or for members	24,785,539
5	Compensation of current officers, directors, trustees, and key employees ....
6	Compensation not included above, to disqualified persons (as defined under section 4958(f)(1)) and persons described in section 4958(c)(3)(B) ....
7	Other salaries and wages	426,064
8	Pension plan accruals and contributions (include section 401(k) and 403(b) employer contributions) ....
9	Other employee benefits .......	124,413
10	Payroll taxes ...........	46,902
11	Fees for services (non-employees):
a	Management ......
b	Legal .........	58,374
c	Accounting ...........	35,560
d	Lobbying ...........
e	Professional fundraising services. See Part IV, line 17
f	Investment management fees ......	42,361
g	Other (If line 11g amount exceeds 10% of line 25, column (A) amount, list line 11g expenses on Schedule O)	65,000
12	Advertising and promotion ....
13	Office expenses .......	38,047
14	Information technology ......	66,522
15	Royalties ..
16	Occupancy ...........	59,325
17	Travel ............
18	Payments of travel or entertainment expenses for any federal, state, or local public officials .
19	Conferences, conventions, and meetings ....	4,383
20	Interest ...........
21	Payments to affiliates .......
22	Depreciation, depletion, and amortization ..	8,453
23	Insurance ...	25,935
24	Other expenses. Itemize expenses not covered above (List miscellaneous expenses in line 24e. If line 24e amount exceeds 10% of line 25, column (A) amount, list line 24e expenses on Schedule O.)
a	STOP LOSS PREMIUMS	396,839
b	HEALTH CARE FEES	50,404
c	POSTAGE	8,643
d	TRAVEL EXPENSE	5,359
e	All other expenses	3,255
25	Total functional expenses. Add lines 1 through 24e	26,251,378
26	Joint costs. Complete this line only if the organization reported in column (B) joint costs from a combined educational campaign and fundraising solicitation. Check here if following SOP 98-2 (ASC 958-720).

1	Cash–non-interest-bearing ........				1
2	Savings and temporary cash investments .........			4,401,135	2	6,454,884
3	Pledges and grants receivable, net ......				3
4	Accounts receivable, net .............			1,995,279	4	2,530,856
5	Loans and other receivables from current and former officers, directors, trustees, key employees, and highest compensated employees. Complete Part II of Schedule L
					5
6	Loans and other receivables from other disqualified persons (as defined under section 4958(f)(1)), persons described in section 4958(c)(3)(B), and contributing employers and sponsoring organizations of section 501(c)(9) voluntary employees' beneficiary organizations (see instructions) Complete Part II of Schedule L
					6
7	Notes and loans receivable, net ....				7
8	Inventories for sale or use ........				8
9	Prepaid expenses and deferred charges ......				9
10a	Land, buildings, and equipment: cost or other basis. Complete Part VI of Schedule D	10a	695,669
b	Less: accumulated depreciation	10b	651,569	19,599	10c	44,100
11	Investments—publicly traded securities .				11
12	Investments—other securities. See Part IV, line 11 .....			32,854,433	12	33,500,109
13	Investments—program-related. See Part IV, line 11 ..				13
14	Intangible assets ...............				14
15	Other assets. See Part IV, line 11 ...........			40,117	15	36,533
16	Total assets. Add lines 1 through 15 (must equal line 34)...			39,310,563	16	42,566,482

17	Accounts payable and accrued expenses .....	612,342	17	892,494
18	Grants payable ...		18
19	Deferred revenue .........		19
20	Tax-exempt bond liabilities .........		20
21	Escrow or custodial account liability. Complete Part IV of Schedule D		21
22	Loans and other payables to current and former officers, directors, trustees, key employees, highest compensated employees, and disqualified
	persons. Complete Part II of Schedule L..		22
23	Secured mortgages and notes payable to unrelated third parties ..		23
24	Unsecured notes and loans payable to unrelated third parties ..		24
25	Other liabilities (including federal income tax, payables to related third parties, and other liabilities not included on lines 17-24). Complete Part X of Schedule D	1,928,904	25	2,600,851
26	Total liabilities. Add lines 17 through 25..	2,541,246	26	3,493,345

	Organizations that follow SFAS 117 (ASC 958), check here and complete lines 27 through 29, and lines 33 and 34.
27	Unrestricted net assets		27
28	Temporarily restricted net assets ...........		28
29	Permanently restricted net assets		29
	Organizations that do not follow SFAS 117 (ASC 958), check here and complete lines 30 through 34.
30	Capital stock or trust principal, or current funds .....	0	30	0
31	Paid-in or capital surplus, or land, building or equipment fund ...	0	31	0
32	Retained earnings, endowment, accumulated income, or other funds	36,769,317	32	39,073,137
33	Total net assets or fund balances ...........	36,769,317	33	39,073,137
34	Total liabilities and net assets/fund balances ........	39,310,563	34	42,566,482