2025-10-31T08:33:54-05:00 2023-12-31 231980475 KREISCHER MILLER 100 WITMER ROAD SUITE 350 HORSHAM PA 190442369 990 2023-01-01 222471827 AWW CO INC & ITS DESIGNATED SUB AFFIL GROUP INSURANCE TRUST AMER 8569554001 PO BOX 2738 1 WATER STREET CAMDEN NJ 08102 MARTIN FALKENBERG SVP, DEPUTY CHRO 8569554001 2025-10-30 1 1 KOMAL DATE P01423236 2154414600 2023 2025-03-06 01:10:19Z MARTIN FALKENBERG PO BOX 2738 1 WATER STREET CAMDEN NJ 08102 276166502 0 X N/A X 1983 PA SEE SCHEDULE O 5 5 0 5 871944 843661 0 0 131798339 80920125 225324 4430937 10075799 12164026 142099462 97515088 0 0 132217883 140273417 0 0 0 0 0 3489407 4227374 135707290 144500791 6392172 -46985703 16687059 169198444 6906580 10320542 9780479 158877902 X THE TRUST IS A VOLUNTARY EMPLOYEE'S BENEFICIARY ASSOCIATION (THE "VEBA") ESTABLISHED BY AMERICAN WATER WORKS COMPANY INC. (THE COMPANY). THE COMPANY AND PARTICIPANTS FUND THE VEBA SOLELY TO PROVIDE GROUP INSURANCE, EMPLOYEE ASSISTANCE AND LONG-TERM DISABILITY BENEFITS TO THE COMPANY'S EMPLOYEES. THE GROUP INSURANCE PLAN, (MEDICAL, DENTAL, PRESCRIPTION, VISION, GROUP LIFE INSURANCE, SHORT TERM DISABILITY AND ACCIDENTAL DEATH AND DISMEMBERMENT BENEFITS) AND THE EMPLOYEE ASSISTANCE PLAN ARE PROVIDED TO ALL FULL-TIME PERMANENT EMPLOYEES AND, AS PERMITTED UNDER THE PLAN, TO DEPENDENTS. THE LONG-TERM DISABILITY PLAN PROVIDES ITS BENEFITS TO THE COMPANY'S NON-BARGAINING UNIT EMPLOYEES. 1 0 144352234 93084151 THE TRUST IS A VOLUNTARY EMPLOYEE'S BENEFICIARY ASSOCIATION (THE "VEBA") ESTABLISHED BY AMERICAN WATER WORKS COMPANY INC. (THE COMPANY). THE COMPANY AND PARTICIPANTS FUND THE VEBA SOLELY TO PROVIDE GROUP INSURANCE, EMPLOYEE ASSISTANCE AND LONG-TERM DISABILITY BENEFITS TO THE COMPANY'S EMPLOYEES, AS WELL AS COVERAGE FOR PRE-65 UNION RETIREES. THE GROUP INSURANCE PLAN, (MEDICAL, DENTAL, PRESCRIPTION, VISION, GROUP LIFE INSURANCE, SHORT TERM DISABILITY AND ACCIDENTAL DEATH AND DISMEMBERMENT BENEFITS) AND THE EMPLOYEE ASSISTANCE PLAN ARE PROVIDED TO ALL FULL-TIME PERMANENT EMPLOYEES AND, AS PERMITTED UNDER THE PLAN, TO DEPENDENTS. THE LONG-TERM DISABILITY PLAN PROVIDES ITS BENEFITS TO THE COMPANY'S NON-BARGAINING UNIT EMPLOYEES. THE PRE-65 UNION RETIREES PLAN PROVIDES COVERAGE FOR PRE-65 UNION RETIREES AND DEPENDENT COVERAGE FOR PRE-65 DEPENDENTS OF PRE-65 UNION RETIREES. 144352234 0 0 0 0 0 0 0 0 0 0 0 0 0 1 0 1 0 0 0 0 0 0 0 0 0 0 0 0 1 0 0 0 0 0 0 0 0 0 0 0 1 0 0 1 0 0 0 1 1 0 0 0 0 0 0 0 X 5 5 0 0 0 0 0 1 0 1 1 0 0 1 1 1 1 1 1 0 0 0 X AMERICAN WATER WORKS CO INC 8563465895 PO BOX 2738 1 WATER STREET CAMDEN NJ 08102 LYNDA DIMENNA BENEFIT COMMITTEE 1.00 40.00 X X 0 454991 31514 DAVID CHOATE BENEFIT COMMITTEE 1.00 40.00 X X 0 360543 24130 MELISSA CIULLO BENEFIT COMMITTEE 1.00 40.00 X X 0 366288 23781 RHYAN COHRANE BENEFIT COMMITTEE 1.00 40.00 X X 0 195369 14341 NICK FURIA BENEFIT COMMITTEE 1.00 40.00 X X 0 267869 21653 MARTY FALKENBERG BENEFIT COMMITTEE 1.00 40.00 X X 0 335003 27241 0 1980063 142660 0 0 1 0 0 COMPANY CONTRIBUTIONS 900099 55426289 55426289 MEMBER CONTRIBUTIONS 900099 25493836 25493836 80920125 5331950 871944 4460006 177750401 178651414 -901013 -901013 -901013 REFUNDS 900099 12164026 12164026 12164026 97515088 93084151 871944 3558993 140273417 140273417 4078817 4078817 148557 148557 144500791 144352234 148557 0 16687059 169198444 16687059 169198444 6906580 10320542 6906580 10320542 X 9780479 158877902 0 0 0 0 9780479 158877902 16687059 169198444 X -46985703 4161625 191921501 X X 1 X 1 X 1 0 0 MEDICAL CLAIMS INCURRED BUT NOT REPORTED 10320542 10320542 89512687 4161624 4161624 85351063 12164025 12164025 97515088 132336765 0 132336765 12164026 12164026 144500791 PART XI, LINE 4B - OTHER ADJUSTMENTS: REFUNDS PART XII, LINE 4B - OTHER ADJUSTMENTS: REFUNDS 0 0 0 LYNDA DIMENNA BENEFIT COMMITTEE 0 305939 0 144296 0 4756 0 22117 0 9397 0 486505 0 0 MELISSA CIULLO BENEFIT COMMITTEE 0 273564 0 92724 0 0 0 14534 0 9247 0 390069 0 0 DAVID CHOATE BENEFIT COMMITTEE 0 266258 0 94285 0 0 0 17819 0 6311 0 384673 0 0 MARTY FALKENBERG BENEFIT COMMITTEE 0 310003 0 25000 0 0 0 15461 0 11780 0 362244 0 0 NICK FURIA BENEFIT COMMITTEE 0 221594 0 46275 0 0 0 12789 0 8864 0 289522 0 0 RHYAN COHRANE BENEFIT COMMITTEE 0 160078 0 35291 0 0 0 8404 0 5937 0 209710 0 0 FORM 990, PART I, LINE 1, DESCRIPTION OF ORGANZIATION MISSION: THE TRUST IS A VOLUNTARY EMPLOYEE'S BENEFICIARY ASSOCIATION (THE "VEBA") ESTABLISHED BY AMERICAN WATER WORKS COMPANY INC. (THE COMPANY). THE COMPANY AND PARTICIPANTS FUND THE VEBA SOLELY TO PROVIDE GROUP INSURANCE, EMPLOYEE ASSISTANCE AND LONG-TERM DISABILITY BENEFITS TO THE COMPANY'S EMPLOYEES, AS WELL AS COVERAGE FOR PRE-65 UNION RETIREES. THE GROUP INSURANCE PLAN, (MEDICAL, DENTAL, PRESCRIPTION, VISION, GROUP LIFE INSURANCE, SHORT TERM DISABILITY AND ACCIDENTAL DEATH AND DISMEMBERMENT BENEFITS) AND THE EMPLOYEE ASSISTANCE PLAN ARE PROVIDED TO ALL FULL-TIME PERMANENT EMPLOYEES AND, AS PERMITTED UNDER THE PLAN, TO DEPENDENTS. THE LONG-TERM DISABILITY PLAN PROVIDES ITS BENEFITS TO THE COMPANY'S NON-BARGAINING UNIT EMPLOYEES. THE PRE-65 UNION RETIREES PLAN PROVIDES COVERAGE FOR PRE-65 UNION RETIREES AND DEPENDENT COVERAGE FOR PRE-65 DEPENDENTS OF PRE-65 UNION RETIREES. FORM 990, PART III, LINE 2 EFFECTIVE DECEMBER 31, 2022, THE COMPANY SPUN-OFF PARTICIPANT COVERAGE FOR PRE-65 UNION RETIREES AND DEPENDENT COVERAGE FOR PRE-65 DEPENDENTS OF PRE-65 UNION RETIREES FROM THE RETIREE PLAN (THE 2022 SPIN-OFF). IN CONNECTION WITH THE 2022 SPIN-OFF, ELIGIBILITY FOR THE PLAN WAS AMENDED TO INCLUDE COVERAGE FOR PRE-65 UNION RETIREES OF THE COMPANY AND DEPENDENT COVERAGE FOR PRE-65 DEPENDENTS OF PRE-65 UNION RETIREES (PRE-65 UNION RETIREE/DEPENDENT POPULATION). ASSETS OF $194,905,807 ASSOCIATED WITH THE 2022 SPIN-OFF WERE TRANSFERRED TO THE PLAN IN JANUARY 2023. IN ADDITION, ASSETS OF $429,656 WERE TRANSFERRED FROM THE RETIREE PLAN TO THE PLAN DURING THE YEAR ENDED DECEMBER 31, 2023. LIABILITIES ASSOCIATED WITH THE 2022 SPIN-OFF WERE TRANSFERRED TO THE PLAN EFFECTIVE JANUARY 1, 2023 FORM 990, PART VI, SECTION A, LINE 7A THE BOARD OF DIRECTORS OF AMERICAN WATER WORKS COMPANY, INC. APPOINTS THE MEMBERS OF THE RETIREMENT/BENEFITS COMMITTEE. THE COMMITTEE MEMBERS SERVE ON A VOLUNTARY BASIS AS THE INDIVIDUAL TRUSTEES OF THE ORGANIZATION. FORM 990, PART VI, SECTION B, LINE 11B THE FORM 990 IS REVIEWED BY THE BENEFITS COMMITTEE. FORM 990, PART VI, SECTION B, LINE 12C AMERICAN WATER WORKS CO, INC MAINTAINS A CODE OF ETHICS THAT GOVERNS THE ACTIONS OF THE BENEFITS COMMITTEE MEMBERS. THE CODE REQUIRES THAT CONFLICTS OF INTEREST BE AVOIDED, REQUIRES ANNUAL CERTIFICATION OF COMPLIANCE AND INCLUDES A "NO RETALIATION" POLICY REGARDING REPORTS OF VIOLATIONS. FORM 990, PART VI, SECTION C, LINE 19 EMPLOYEES RECEIVE A SUMMARY PLAN DOCUMENT (SPD) WHEN HIRED. A SUMMARY ANNUAL REPORT (SAR) IS DISTRIBUTED ANNUALLY. THE CODE OF ETHICS ON THE COMPANY'S INTERNET AND INTRANET SITES, HARD COPIES ARE AVAILABLE THROUGH THE HR DEPARTMENT. ALL OTHER DOCUMENTS ARE AVAILABLE UPON REQUEST. FORM 990, PART XI, LINE 9: ASSETS TRANSFERRED IN 195,335,463. CHANGE IN CLAIMS PAYABLE COMPARING WITH 2023 AND 2022 -3,413,962. FORM 990, PART XII, LINE 1 THE ACCOUNTING METHOD IS MODIFIED CASH. AN ANNUAL AUDIT IS CONDUCTED BY AN INDEPENDENT AUDITOR FOR AMERICAN WATER WORKS COMPANY, INC AND ITS DESIGNATED SUBS. AND AFFIL GROUP INSURANCE PLAN (PLAN). THE PLAN INCLUDES THIS VEBA AS WELL AS OTHER VEBAS REPORTED ON SCHEDULE R. FORM 990, PART XII, LINE 2C NO CHANGE FROM THE PRIOR YEAR. FORM 990, PART VII THIS VEBA TRUST PAYS THE INSTITUTIONAL TRUSTEE AND OTHER INDEPENDENT CONTRACTORS BY THE SERVICE RENDERED. 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