Civic Intelligence

Mosaic & Terrazzo Welfare Fund

990 • Fiscal year 2016 • EIN 13-5676828

Jan 01, 2016 to Dec 31, 2016 • Filed on Oct 11, 2017

Organization ProfileN/A

View Organization Page

45-34 Court SquareLong Island City, NY 11101

(718) 729-4416

Siviq Scores

Precomputed percentiles for this filing year versus similar nonprofits in the same peer cohort.

Liabilities / Assets

70th percentile

0.13x

Higher debt load relative to assets than 70% of similar nonprofits.

2016 filings • 501(c)9 • $5M-$10M nonprofits • Source year 2016

Liabilities / Revenue

82nd percentile

0.21x

Higher debt load relative to revenue than 82% of similar nonprofits.

2016 filings • 501(c)9 • $5M-$10M nonprofits • Source year 2016

Net Margin

65th percentile

8.2%

Higher net margin than 65% of similar nonprofits.

2016 filings • 501(c)9 • $5M-$10M nonprofits • Source year 2016

Top Officer Pay

75th percentile

$107,002

Higher top officer pay than 75% of similar nonprofits.

Top officer pay equals 2.0% of source-year revenue.

2016 filings • 501(c)9 • $5M-$10M nonprofits • Source year 2016

Asset Growth

54th percentile

4.2%

Faster asset growth than 54% of similar nonprofits.

2016 filings • 501(c)9 • $5M-$10M nonprofits • Annualized from 2015 to 2016

Revenue Growth

82nd percentile

20%

Faster revenue growth than 82% of similar nonprofits.

2016 filings • 501(c)9 • $5M-$10M nonprofits • Annualized from 2015 to 2016

Balance Sheet
Liabilities / Assets70th percentile

Assets

Up

$8,474,075

Up $338,481 (+4.2%) from 2015

Net Assets

Up

$7,340,354

Up $500,495 (+7.3%) from 2015

Liabilities

Down

$1,133,721

Down $162,014 (-13%) from 2015

Revenue And Expenses
Liabilities / Revenue82nd percentileNet Margin65th percentile

Revenue

Up

$5,350,894

Up $907,818 (+20%) from 2015

Expenses

Down

$4,911,398

Down $1,076,690 (-18%) from 2015

Net Income

Up

$439,496

Up $1,984,508 (+128%) from 2015

Historical Trend

Balance Sheet Trend

Asset Growth54th percentile

The highlighted filing sits inside the broader history for assets, liabilities, and net assets.

$10M$5.0M$0Assets 2010: $5,890,467Liabilities 2010: $401,838Net Assets 2010: $5,488,6292010Assets 2011: $6,827,993Liabilities 2011: $886,122Net Assets 2011: $5,941,8712011Assets 2012: $7,536,473Liabilities 2012: $765,139Net Assets 2012: $6,771,3342012Assets 2013: $8,580,709Liabilities 2013: $642,573Net Assets 2013: $7,938,1362013Assets 2014: $9,498,046Liabilities 2014: $1,136,257Net Assets 2014: $8,361,7892014Assets 2015: $8,135,594Liabilities 2015: $1,295,735Net Assets 2015: $6,839,8592015Assets 2016: $8,474,075Liabilities 2016: $1,133,721Net Assets 2016: $7,340,3542016Assets 2017: $9,051,278Liabilities 2017: $1,341,965Net Assets 2017: $7,709,3132017Assets 2018: $7,796,152Liabilities 2018: $1,170,049Net Assets 2018: $6,626,1032018Assets 2019: $7,803,173Liabilities 2019: $984,416Net Assets 2019: $6,818,7572019Assets 2020: $7,259,550Liabilities 2020: $1,021,592Net Assets 2020: $6,237,9582020Assets 2021: $7,395,380Liabilities 2021: $1,719,077Net Assets 2021: $5,676,3032021Assets 2022: $6,767,300Liabilities 2022: $2,001,451Net Assets 2022: $4,765,8492022Assets 2023: $5,406,911Liabilities 2023: $1,532,646Net Assets 2023: $3,874,2652023Assets 2024: $5,391,829Liabilities 2024: $1,182,000Net Assets 2024: $4,209,8292024

Highlighted filing

2016

Assets$8,474,075
Liabilities$1,133,721
Net Assets$7,340,354
Open 2016 Filing

Operations Trend

Revenue Growth82nd percentile

Revenue, expenses, and net income across loaded years, with this filing highlighted.

$10M$5.0M$0-$5.0MExpenses 2010: $2,137,5682010Expenses 2011: $2,189,7392011Expenses 2012: $3,003,8262012Revenue 2013: $4,756,441Expenses 2013: $3,584,408Net Income 2013: $1,172,0332013Revenue 2014: $5,115,541Expenses 2014: $4,701,805Net Income 2014: $413,7362014Revenue 2015: $4,443,076Expenses 2015: $5,988,088Net Income 2015: -$1,545,0122015Revenue 2016: $5,350,894Expenses 2016: $4,911,398Net Income 2016: $439,4962016Revenue 2017: $6,175,688Expenses 2017: $5,921,610Net Income 2017: $254,0782017Revenue 2018: $5,719,565Expenses 2018: $6,774,909Net Income 2018: -$1,055,3442018Revenue 2019: $5,942,677Expenses 2019: $5,897,919Net Income 2019: $44,7582019Revenue 2020: $4,842,590Expenses 2020: $5,495,345Net Income 2020: -$652,7552020Revenue 2021: $7,617,875Expenses 2021: $8,125,231Net Income 2021: -$507,3562021Revenue 2022: $8,780,077Expenses 2022: $9,336,561Net Income 2022: -$556,4842022Revenue 2023: $8,059,008Expenses 2023: $9,067,727Net Income 2023: -$1,008,7192023Revenue 2024: $9,040,042Expenses 2024: $8,708,231Net Income 2024: $331,8112024

Highlighted filing

2016

Revenue$5,350,894
Expenses$4,911,398
Net Income$439,496
Open 2016 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2016 to Dec 31, 2016
Signed
Oct 11, 2017
Return Version
2016v3.0
Gross Receipts
$5,350,894
Mission and Program Overview

Mission

to provide health and other benefits to eligible participants.

Balance Sheet Detail
LineBeginningEndChange
Assets
Rtn Earn Endowment Incm Other Fnds$6,839,859$7,340,354▲ $500,495
Savings and Temporary Cash Investments$5,379,383$5,264,513▼ $114,870
Accounts Receivable$1,571,565$1,627,523▲ $55,958
Cash and Non-Interest-Bearing Accounts$729,764$929,306▲ $199,542
Investments in Publicly Traded Securities$454,882$625,565▲ $170,683
Land, Buildings, and Equipment, Net-$14,251-
Other Notes and Loans Receivable, Net-$0-
Pledges and Grants Receivable-$0-
Receivable From Disqualified Prsn-$0-
Receivables From Officers Etc-$0-
Investments Other Securities-$0-
Investments Program Related-$0-
Intangible Assets-$0-
Inventories for Sale or Use-$0-
Prepaid Expenses and Deferred Charges-$0-
Total Assets$8,135,594$8,474,075▲ $338,481
Other Assets Total-$12,917-
Liabilities
Other Liabilities$1,220,148$976,397▼ $243,751
Accounts Payable and Accrued Expenses$75,587$157,324▲ $81,737
Total Liabilities$1,295,735$1,133,721▼ $162,014
Net Assets / Fund Balance
Total Net Assets Fund Balance$6,839,859$7,340,354▲ $500,495
Total Liabilities and Net Assets / Fund Balance$8,135,594$8,474,075▲ $338,481

Asset Categories

AssetBook ValueDepreciationBasis
Other Land Buildings$14,251$146,027$160,278
Compensation and Service Providers
Top Officer Pay75th percentile

Employees

NameTitleFull / Part TimeOtherTotal
Rosa Maria ToneattoFund AdminPT$107,002$107,002
Nicholas Hopko Eff 616Union Trustee-$898$898
Keith Greenwald Thru 616Union Trustee-$295$295

Board Members and Trustees

NameTitle
Michael Kriss Eff 616Emplyr Trustee
Michael Magnanemplyr TRUSTEE
patrick boniciUnion Trustee
Marcello FilippiUnion Alt Trste
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$5,295,161
Investment Income
$55,733
Other Revenue
$0
Change in Net Assets
$439,496

Audited Revenue Reconciliation

Revenue per Audited Statements
$5,345,290
Revenue Not Reported on Financial Statements
$5,604
Revenue Not Reported on Form 990
$60,999
Total Revenue per Audited Statements
$5,406,289
Total Revenue per Form 990
$5,350,894
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$462,833
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Salaries, Compensation, and Employee Benefits$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Benefits to Members---$4,448,565
Other Expenses---$362,389
Fees for Services Accounting---$24,910
Fees for Services Other---$24,318
Fees for Services Legal---$22,026
Information Technology---$19,852
Fees for Service Investment Mgmnt Fees---$5,604
Office Expenses---$2,104
Depreciation Depletion---$1,630
Total Functional Expenses$0$0$0$4,911,398

Audited Expense Reconciliation

Line ItemAmount
Expenses per Audited Statements$5,149,545
Total Expenses per Audited Statements$5,149,545
Total Expenses per Form 990$4,911,398
Expenses Not Reported on Financial Statements$-238,147
Other Expense Adjustments$-243,751
Fundraising, Events, and Gaming
Fundraising activities
No
Gaming activities
No
Professional fundraiser used
No

Fundraising and Gaming Totals

Line ItemAmount
Professional Fundraising Fees$0
Political and Lobbying Activity
Political campaign activity
No
Lobbying activity
No
Subject to proxy tax
No
Insider Transactions and Loans

Loans and Receivables

Line ItemBeginningEndChange
Receivables from Disqualified Persons-$0-
Receivables from Officers, Directors, Trustees, and Key Employees-$0-
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Benefit Obligation Currently Payable$976,397
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
No
Audit committee
Yes
Backup withholding compliance
No
Business relationship with family members
No
Business relationship with organization members
No
Material changes to governing documents
No
Compensation from other sources disclosed
No
CEO compensation reviewed
Yes
Other officer compensation reviewed
Yes
Conflict-of-interest policy
Yes
Audited financial statements prepared
No
Key decisions subject to board approval
No
Management duties delegated
No

Governance Explanations

Form 990, Part VI, Line 11B: Form 990 Review Process

“The form 990 was prepared in coordination with the fund administrator who works full time for the organization. Once completed the form was provided to and reviewed by the board of trustees prior to submission.”

Form 990, Part VI, Line 15B: Compensation Review and Approval Process for Officers and Key Employees

“compensation of all employees including the fund's management, the fund administrator, its professionals and other staff employees are determined by the joint board of trustees. in determining compensation the trustees use current market data, its business experience, and information provided by the fund administrator this decision is documented in the minutes of meetings of the board of trustees.”

Form 990, Part VI, Line 19: Other Organization Documents Publicly Available

“The organization's governing documents, policies and financial statements are available upon request. Documents are available to the public to the extent required by law.”

Filing and Contact Details

Filer

Filer Name
Mosaic & Terrazzo Welfare Fund
EIN
13-5676828
Phone
7187294416
Address
45-34 COURT SQUARE, LONG ISLAND CITY, NY 11101

Signing Officer

Name
Michael Magnan
Title
emplyr TRUSTEE
Signed
2017-10-11
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Rosa Maria Toneatto
Voting Board Members
4
Independent Board Members
4
Employees
0

Preparer

Firm
Schultheis & Panettieri LLP
Address
210 Marcus Boulevard, Hauppauge, NY 11788-3740
Preparer
Carol Westfall
Phone
6312734778
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IRS990ScheduleD/OtherLandBuildingsGrp/DepreciationAmt0146027
IRS990ScheduleD/OtherLandBuildingsGrp/OtherCostOrOtherBasisAmt0160278
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt0976397
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0BENEFIT OBLIGATION CURRENTLY PAYABLE
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IRS990ScheduleD/TotalBookValueLandBuildingsAmt014251
IRS990ScheduleD/TotalExpensesPerForm990Amt04911398
IRS990ScheduleD/TotalLiabilityAmt0976397
IRS990ScheduleD/TotalRevenuePerForm990Amt05350894
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IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0THE FORM 990 WAS PREPARED IN COORDINATION WITH THE FUND ADMINISTRATOR WHO WORKS FULL TIME FOR THE ORGANIZATION. ONCE COMPLETED THE FORM WAS PROVIDED TO AND REVIEWED BY THE BOARD OF TRUSTEES PRIOR TO SUBMISSION.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1compensation of all employees including the fund's management, the fund administrator, its professionals and other staff employees are determined by the joint board of trustees. in determining compensation the trustees use current market data, its business experience, and information provided by the fund administrator this decision is documented in the minutes of meetings of the board of trustees.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2THE ORGANIZATION'S GOVERNING DOCUMENTS, POLICIES AND FINANCIAL STATEMENTS ARE AVAILABLE UPON REQUEST. DOCUMENTS ARE AVAILABLE TO THE PUBLIC TO THE EXTENT REQUIRED BY LAW.
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0Form 990, Part VI, Line 11b: Form 990 Review Process
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1Form 990, Part VI, Line 15b: Compensation Review and Approval Process for Officers and Key Employees
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2Form 990, Part VI, Line 19: Other Organization Documents Publicly Available
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IRS990ScheduleR/AssetPurchaseFromOtherOrgInd0false
IRS990ScheduleR/AssetSaleToOtherOrgInd0false
IRS990ScheduleR/DivRelatedOrganizationInd0false
IRS990ScheduleR/GiftGrntCapContriFromOthOrgInd0false
IRS990ScheduleR/GiftGrntOrCapContriToOthOrgInd0false
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IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/DirectControllingEntityName/BusinessNameLine1Txt2NA
IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/DisregardedEntityName/BusinessNameLine1Txt0MOSAIC AND TERRAZZO ANNUITY FUND
IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/DisregardedEntityName/BusinessNameLine1Txt1MOSAIC AND TERRAZZO PENSION FUND
IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/DisregardedEntityName/BusinessNameLine1Txt2INTL UNION OF BAC LOCAL 7 NY & NJ
IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/EIN0113454940
IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/EIN1135676829
IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/EIN2113237896
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IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/ExemptCodeSectionTxt1501(A)
IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/ExemptCodeSectionTxt2501(C)5
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IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/LegalDomicileStateCd1NY
IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/LegalDomicileStateCd2NY
IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/PrimaryActivitiesTxt0ANNUITY BENEFIT
IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/PrimaryActivitiesTxt1PENSION BENEFIT
IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/PrimaryActivitiesTxt2LABOR UNION
IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/PublicCharityStatusTxt0N/A
IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/PublicCharityStatusTxt1N/A
IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/PublicCharityStatusTxt2N/A
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IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/USAddress/AddressLine1Txt145-34 COURT SQUARE
IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/USAddress/AddressLine1Txt245-34 COURT SQUARE
IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/USAddress/CityNm0LONG ISLAND CITY
IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/USAddress/CityNm1LONG ISLAND CITY
IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/USAddress/CityNm2LONG ISLAND CITY
IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/USAddress/StateAbbreviationCd0NY
IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/USAddress/StateAbbreviationCd1NY
IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/USAddress/StateAbbreviationCd2NY
IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/USAddress/ZIPCd011101
IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/USAddress/ZIPCd111101
IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/USAddress/ZIPCd211101
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IRS990ScheduleR/LoansOrGuaranteesToOtherOrgInd0false
IRS990ScheduleR/PaidEmployeesSharingInd0true
IRS990ScheduleR/PerformOfServicesByOtherOrgInd0false
IRS990ScheduleR/PerformOfServicesForOthOrgInd0false
IRS990ScheduleR/ReceiptOfIntAnntsRntsRyltsInd0false
IRS990ScheduleR/ReimbursementPaidByOtherOrgInd0false
IRS990ScheduleR/ReimbursementPaidToOtherOrgInd0true
IRS990ScheduleR/RentalOfFacilitiesToOthOrgInd0false
IRS990ScheduleR/RentalOfFcltsFromOthOrgInd0false
IRS990ScheduleR/SharingOfFacilitiesInd0true
IRS990ScheduleR/SupplementalInformationDetail/ExplanationTxt0CERTAIN TRUSTEES LISTED ON PART VII, SECTION A, SERVE AS VOLUNTEERS AND DO NOT RECEIVE COMPENSATION FROM THIS ORGANIZATION OR ANY RELATED ORGANIZATION.CERTAIN TRUSTEES LISTED ON PART VII, SECTION A, DO NOT RECEIVE COMPENSATION FROM THIS ORGANIZATION, BUT DO RECEIVE COMPENSATION FROM RELATED ORGANIZATIONS IN THEIR CAPACITY AS EMPLOYEES/OFFICERS OF THOSE ORGANIZATIONS. ACCORDINGLY, THEIR COMPENSATION IS ALREADY REPORTED ON THE FORM 990 OF THOSE RELATED ORGANIZATIONS.THE INFORMATION DISCLOSED ON THE ATTACHED SCHEDULES OF RELATED PARTIES IS THAT WHICH WAS AVAILABLE TO THIS ORGANIZATION AT THE TIME OF THIS FILING.
IRS990ScheduleR/SupplementalInformationDetail/FormAndLineReferenceDesc0SCHEDULE R, PART II,III IV
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IRS990/TaxableDistributionsInd0false
IRS990/TaxablePartyNotificationInd0false
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IRS990/TempOrPermanentEndowmentsInd0false
IRS990/TerminateOperationsInd0false
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IRS990/TotalOtherCompensationAmt014031
IRS990/TotalProgramServiceRevenueAmt05295161
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IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt05295161
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt05350894
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt08135594
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt08474075
IRS990/TotReportableCompRltdOrgAmt094164
IRS990/TransactionWithControlEntInd0false
IRS990/TravelGrp/TotalAmt00
IRS990/TrnsfrExmptNonChrtblRltdOrgInd0false
IRS990/TypeOfOrganizationTrustInd0X
IRS990/UnrelatedBusIncmOverLimitInd0false
IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine1Txt045-34 COURT SQUARE
IRS990/USAddress/CityNm0LONG ISLAND CITY
IRS990/USAddress/StateAbbreviationCd0NY
IRS990/USAddress/ZIPCd011101
IRS990/VotingMembersGoverningBodyCnt04
IRS990/VotingMembersIndependentCnt04
IRS990/WebsiteAddressTxt0N/A
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ReturnHeader/BuildTS02017-02-10 21:41:12Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd0true

Document Assets

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Filings

Displayed year

2016 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$8,474,075
Liabilities
$1,133,721
Net assets
$7,340,354
Revenue
$5,350,894
Expenses
$4,911,398
Net income
$439,496
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Detailed filing. Detailed filing data is available for this year.$5.39$1.18$4.21$9.04$8.71$0.33
2023Detailed filing. Detailed filing data is available for this year.$5.41$1.53$3.87$8.06$9.07$1.01
2022Detailed filing. Detailed filing data is available for this year.$6.77$2.00$4.77$8.78$9.34$0.56
2021Detailed filing. Detailed filing data is available for this year.$7.40$1.72$5.68$7.62$8.13$0.51
2020Detailed filing. Detailed filing data is available for this year.$7.26$1.02$6.24$4.84$5.50$0.65
2019Detailed filing. Detailed filing data is available for this year.$7.80$0.98$6.82$5.94$5.90$0.04
2018Detailed filing. Detailed filing data is available for this year.$7.80$1.17$6.63$5.72$6.77$1.06
2017Detailed filing. Detailed filing data is available for this year.$9.05$1.34$7.71$6.18$5.92$0.25
2016Detailed filing. Detailed filing data is available for this year.$8.47$1.13$7.34$5.35$4.91$0.44
2015Detailed filing. Detailed filing data is available for this year.$8.14$1.30$6.84$4.44$5.99$1.55
2014Detailed filing. Detailed filing data is available for this year.$9.50$1.14$8.36$5.12$4.70$0.41
2013Detailed filing. Detailed filing data is available for this year.$8.58$0.64$7.94$4.76$3.58$1.17
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$7.54$0.77$6.77$3.00
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$6.83$0.89$5.94$2.19
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$5.89$0.40$5.49$2.14