Civic Intelligence

Rensselaer Columbia Greene Group Health Ins Trust

990 • Fiscal year 2018 • EIN 14-6164893

Jul 01, 2017 to Jun 30, 2018 • Filed on Dec 12, 2018

Organization ProfileN/A
C/O Questar Iii 10 Empire St BlvdCastleton On Hudson, NY 12033

(518) 479-6809

Siviq Scores

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

Liabilities / Assets

95th percentile

0.91x

Higher debt load relative to assets than 95% of similar nonprofits.

2018 filings • 501(c)9 • $50M-$100M nonprofits • Source year 2018

Liabilities / Revenue

74th percentile

0.16x

Higher debt load relative to revenue than 74% of similar nonprofits.

2018 filings • 501(c)9 • $50M-$100M nonprofits • Source year 2018

Net Margin

42nd percentile

2.6%

Higher net margin than 42% of similar nonprofits.

2018 filings • 501(c)9 • $50M-$100M nonprofits • Source year 2018

Top Officer Pay

34th percentile

$0

Higher top officer pay than 34% of similar nonprofits.

Top officer pay equals 0.0% of source-year revenue.

2018 filings • 501(c)9 • $50M-$100M nonprofits • Source year 2018

Asset Growth

10th percentile

-13%

Faster asset growth than 10% of similar nonprofits.

2018 filings • 501(c)9 • $50M-$100M nonprofits • Annualized from 2017 to 2018

Revenue Growth

6th percentile

-29%

Faster revenue growth than 6% of similar nonprofits.

2018 filings • 501(c)9 • $50M-$100M nonprofits • Annualized from 2017 to 2018

Balance Sheet
Liabilities / Assets95th percentile

Assets

Down

$17,016,720

Down $2,445,325 (-13%) from 2017

Net Assets

Down

$1,476,184

Down $236,314 (-14%) from 2017

Liabilities

Down

$15,540,536

Down $2,209,011 (-12%) from 2017

Revenue And Expenses
Liabilities / Revenue74th percentileNet Margin42nd percentile

Revenue

Down

$95,017,654

Down $39,501,255 (-29%) from 2017

Expenses

Down

$92,533,706

Down $36,972,439 (-29%) from 2017

Net Income

Down

$2,483,948

Down $2,528,816 (-50%) from 2017

Historical Trend

Balance Sheet Trend

Asset Growth10th percentile

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

$30M$20M$10M$0Assets 2011: $19,801,950Liabilities 2011: $11,122,805Net Assets 2011: $8,679,1452011Assets 2012: $18,887,477Liabilities 2012: $11,411,421Net Assets 2012: $7,476,0562012Assets 2013: $20,441,627Liabilities 2013: $18,078,047Net Assets 2013: $2,363,5802013Assets 2014: $17,034,194Liabilities 2014: $15,126,281Net Assets 2014: $1,907,9132014Assets 2015: $8,907,483Liabilities 2015: $7,815,466Net Assets 2015: $1,092,0172015Assets 2016: $10,569,664Liabilities 2016: $8,920,266Net Assets 2016: $1,649,3982016Assets 2017: $19,462,045Liabilities 2017: $17,749,547Net Assets 2017: $1,712,4982017Assets 2018: $17,016,720Liabilities 2018: $15,540,536Net Assets 2018: $1,476,1842018Assets 2019: $11,985,000Liabilities 2019: $10,973,427Net Assets 2019: $1,011,5732019Assets 2020: $14,868,539Liabilities 2020: $14,092,671Net Assets 2020: $775,8682020Assets 2021: $20,206,054Liabilities 2021: $18,184,435Net Assets 2021: $2,021,6192021Assets 2022: $23,987,857Liabilities 2022: $21,140,557Net Assets 2022: $2,847,3002022Assets 2023: $26,051,763Liabilities 2023: $22,399,161Net Assets 2023: $3,652,6022023Assets 2024: $27,617,993Liabilities 2024: $26,233,197Net Assets 2024: $1,384,7962024

Highlighted filing

2018

Assets$17,016,720
Liabilities$15,540,536
Net Assets$1,476,184
Open 2018 Filing

Operations Trend

Revenue Growth6th percentile

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

$150M$100M$50M$0-$50MRevenue 2011: $105,663,466Expenses 2011: $101,038,243Net Income 2011: $4,625,2232011Expenses 2012: $101,972,4292012Expenses 2013: $104,580,0802013Revenue 2014: $112,428,097Expenses 2014: $108,098,301Net Income 2014: $4,329,7962014Revenue 2015: $118,783,656Expenses 2015: $119,590,077Net Income 2015: -$806,4212015Revenue 2016: $129,500,821Expenses 2016: $127,913,534Net Income 2016: $1,587,2872016Revenue 2017: $134,518,909Expenses 2017: $129,506,145Net Income 2017: $5,012,7642017Revenue 2018: $95,017,654Expenses 2018: $92,533,706Net Income 2018: $2,483,9482018Revenue 2019: $98,656,505Expenses 2019: $99,121,116Net Income 2019: -$464,6112019Revenue 2020: $104,360,633Expenses 2020: $102,189,794Net Income 2020: $2,170,8392020Revenue 2021: $112,380,132Expenses 2021: $106,134,381Net Income 2021: $6,245,7512021Revenue 2022: $115,753,962Expenses 2022: $108,928,281Net Income 2022: $6,825,6812022Revenue 2023: $116,190,259Expenses 2023: $114,421,975Net Income 2023: $1,768,2842023Revenue 2024: $122,045,155Expenses 2024: $124,312,961Net Income 2024: -$2,267,8062024

Highlighted filing

2018

Revenue$95,017,654
Expenses$92,533,706
Net Income$2,483,948
Open 2018 Filing
Jump To
Filing Snapshot
Filing Period
Jul 1, 2017 to Jun 30, 2018
Signed
Dec 12, 2018
Return Version
2017v2.3
Gross Receipts
$95,017,654
Mission and Program Overview

Mission

Lower health care costs for members

Balance Sheet Detail
LineBeginningEndChange
Assets
Savings and Temporary Cash Investments$19,258,617$16,813,465▼ $2,445,152
Accounts Receivable$203,428$203,255▼ $173
Total Assets$19,462,045$17,016,720▼ $2,445,325
Liabilities
Deferred Revenue$11,529,978$9,498,591▼ $2,031,387
Other Liabilities$5,359,437$5,361,621▲ $2,184
Accounts Payable and Accrued Expenses$860,132$680,324▼ $179,808
Total Liabilities$17,749,547$15,540,536▼ $2,209,011
Net Assets / Fund Balance
Unrestricted Net Assets$1,712,498$1,476,184▼ $236,314
Total Net Assets Fund Balance$1,712,498$1,476,184▼ $236,314
Total Liabilities and Net Assets / Fund Balance$19,462,045$17,016,720▼ $2,445,325
Compensation and Service Providers
Top Officer Pay34th percentile

Board Members and Trustees

NameTitle
Tammy SutherlandPresident
Cynthia DedominickTrustee
Meghan HeimrothTrustee
Neil HowardTrustee
Sally ShieldTrustee
Harry HadjioannouTreasurer
Leslie CoplestonVice Preside
Revenue and Support

Revenue Composition

Contributions and Grants
$137,000
Program Service Revenue
$94,869,289
Investment Income
$11,365
Other Revenue
$0
All Other Contributions
$137,000
Change in Net Assets
$2,483,948

Audited Revenue Reconciliation

Revenue per Audited Statements
$95,017,654
Total Revenue per Audited Statements
$95,017,654
Total Revenue per Form 990
$95,017,654
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$92,533,706
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
Other Expenses---$21,687,305
Fees for Services Management---$510,119
Fees for Services Other---$180,750
Insurance---$13,203
Fees for Services Accounting---$9,300
Office Expenses---$8,310
Conferences and Meetings---$1,783
Fees for Services Legal---$12
Total Functional Expenses$0$0$0$92,533,706

Audited Expense Reconciliation

Line ItemAmount
Expenses per Audited Statements$92,533,706
Total Expenses per Audited Statements$92,533,706
Total Expenses per Form 990$92,533,706
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
Subject to proxy tax
No
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Distribution Payable$5,361,621
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Audit committee
Yes
Backup withholding compliance
Yes
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
No
Other officer compensation reviewed
No
Conflict-of-interest policy
No
Audited financial statements prepared
No
Key decisions subject to board approval
No
Management duties delegated
No

Governance Explanations

Form 990, Part VI

“Pt vi, line 6: 19 participating school districts and one boces are members of the trust. Pt vi, line 7a: each school district has one vote for each of 7 trustees. Pt xi: line 9 represents a dividend distribution.”

Form 990, Page 6, Part VI, Line 11B

“The 990 is prepared by the independent accountant and reviewed by the treasurer. It is then submitted to the entire board of directors for review prior to filing.”

Form 990, Page 6, Part VI, Line 19

“No documents available to the public”

Filing and Contact Details

Filer

Filer Name
Rensselaer Columbia Greene Group
EIN
14-6164893
Phone
5184796809
Address
C/O QUESTAR III 10 EMPIRE ST BLVD, CASTLETON ON HUDSON, NY 12033

Signing Officer

Name
Harry Hadjioannou
Title
Treasurer
Phone
5184796809
Signed
2018-12-12
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Harry Hadjioannou
Formed
1985
Legal Domicile
Ny
Voting Board Members
7
Independent Board Members
7
Employees
0

Preparer

Firm
Cusack & Company Cpas LLC
Address
7 AIRPORT PARK BLVD, LATHAM, NY 12110
Preparer
Kenneth B Claflin CPA
Phone
5187863550
Supplemental Narrative

Additional Explanations

Form 990, Page 2, Part III, Line 4D

“The trust is a consortium of nys public school districts formed to allow member schools to obtain health ins. And prescription drug benefits at lower costs through pooled purchasing agreement.”

Financial Statement Notes

Schedule D, Page 3, Part X

“The trust has not recognized any asset or liability from uncertain tax positions.”

Schedule D, Page 4, Part XIII

“Pt vi, line 6: 19 participating school districts and one boces are members of the trust. Pt vi, line 7a: each school district has one vote for each of 7 trustees. Pt vi, line 11b: the 990 is prepared by the independent accountant and reviewed by the treasurer. It is then submitted to the entire board of directors for review prior to filing. Pt xi: line 9 represents a dividend distribution.”

Raw XML Appendix306 raw XML fields

This appendix keeps the raw XML leaves available for debugging and edge-case review. The human report above is the primary experience.

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IRS990/Form990PartVIISectionAGrp/TitleTxt0PRESIDENT
IRS990/Form990PartVIISectionAGrp/TitleTxt1VICE PRESIDE
IRS990/Form990PartVIISectionAGrp/TitleTxt2TREASURER
IRS990/Form990PartVIISectionAGrp/TitleTxt3TRUSTEE
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IRS990ScheduleD/SupplementalInformationDetail/ExplanationTxt0THE TRUST HAS NOT RECOGNIZED ANY ASSET OR LIABILITY FROM UNCERTAIN TAX POSITIONS.
IRS990ScheduleD/SupplementalInformationDetail/ExplanationTxt1PT VI, LINE 6: 19 PARTICIPATING SCHOOL DISTRICTS AND ONE BOCES ARE MEMBERS OF THE TRUST. PT VI, LINE 7A: EACH SCHOOL DISTRICT HAS ONE VOTE FOR EACH OF 7 TRUSTEES. PT VI, LINE 11B: THE 990 IS PREPARED BY THE INDEPENDENT ACCOUNTANT AND REVIEWED BY THE TREASURER. IT IS THEN SUBMITTED TO THE ENTIRE BOARD OF DIRECTORS FOR REVIEW PRIOR TO FILING. PT XI: LINE 9 REPRESENTS A DIVIDEND DISTRIBUTION.
IRS990ScheduleD/SupplementalInformationDetail/FormAndLineReferenceDesc0SCHEDULE D, PAGE 3, PART X
IRS990ScheduleD/SupplementalInformationDetail/FormAndLineReferenceDesc1SCHEDULE D, PAGE 4, PART XIII
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IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0THE TRUST IS A CONSORTIUM OF NYS PUBLIC SCHOOL DISTRICTS FORMED TO ALLOW MEMBER SCHOOLS TO OBTAIN HEALTH INS. AND PRESCRIPTION DRUG BENEFITS AT LOWER COSTS THROUGH POOLED PURCHASING AGREEMENT.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1PT VI, LINE 6: 19 PARTICIPATING SCHOOL DISTRICTS AND ONE BOCES ARE MEMBERS OF THE TRUST. PT VI, LINE 7A: EACH SCHOOL DISTRICT HAS ONE VOTE FOR EACH OF 7 TRUSTEES. PT XI: LINE 9 REPRESENTS A DIVIDEND DISTRIBUTION.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2THE 990 IS PREPARED BY THE INDEPENDENT ACCOUNTANT AND REVIEWED BY THE TREASURER. IT IS THEN SUBMITTED TO THE ENTIRE BOARD OF DIRECTORS FOR REVIEW PRIOR TO FILING.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3NO DOCUMENTS AVAILABLE TO THE PUBLIC
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0FORM 990, PAGE 2, PART III, LINE 4D
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1FORM 990, PART VI
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2FORM 990, PAGE 6, PART VI, LINE 11B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3FORM 990, PAGE 6, PART VI, LINE 19
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IRS990/TotalContributionsAmt0137000
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IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt00
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt00
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ReturnHeader/BusinessOfficerGrp/SignatureDt02018-12-12
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ReturnHeader/Filer/BusinessName/BusinessNameLine2Txt0HEALTH INS TRUST
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ReturnHeader/Filer/PhoneNum05184796809
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ReturnHeader/FilingSecurityInformation/IPTm015:55:49
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ReturnHeader/PreparerPersonGrp/PreparerPersonNm0KENNETH B CLAFLIN CPA
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ReturnHeader/ReturnTs02019-01-02T16:55:49-05:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02017-07-01
ReturnHeader/TaxPeriodEndDt02018-06-30
ReturnHeader/TaxYr02017

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

Displayed year

2018 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$17,016,720
Liabilities
$15,540,536
Net assets
$1,476,184
Revenue
$95,017,654
Expenses
$92,533,706
Net income
$2,483,948
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$27.6$26.2$1.38$122$124$2.27
2023XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$26.1$22.4$3.65$116$114$1.77
2022XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$24.0$21.1$2.85$116$109$6.83
2021XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$20.2$18.2$2.02$112$106$6.25
2020XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$14.9$14.1$0.78$104$102$2.17
2019XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$12.0$11.0$1.01$98.7$99.1$0.46
2018Detailed filing. Detailed filing data is available for this year.$17.0$15.5$1.48$95.0$92.5$2.48
2017XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$19.5$17.7$1.71$135$130$5.01
2016Detailed filing. Detailed filing data is available for this year.$10.6$8.92$1.65$130$128$1.59
2015XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$8.91$7.82$1.09$119$120$0.81
2014Detailed filing. Detailed filing data is available for this year.$17.0$15.1$1.91$112$108$4.33
2013Facts available. Structured filing facts are available, but richer extracted sections are limited.$20.4$18.1$2.36$105
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$18.9$11.4$7.48$102
2011Summary only. Only limited summary data is available for this year.$19.8$11.1$8.68$106$101$4.63