Civic Intelligence

Washington-Saratoga-Warren-Hamilton

EIN 20-5988744 • 501(c)9 • Wilton, NY

Profile

The purpose of the health insurance consortium trust is to purchase group health insurance for its member school districts

267 Ballard Road Suite 7Wilton, NY 12831

n/A

Siviq Scores

Precomputed percentiles relative to similar nonprofits. These scores are descriptive rather than judgmental.

Liabilities / Assets

83rd percentile

0.34x

Higher debt load relative to assets than 83% of similar nonprofits.

501(c)9 • $100M-$250M nonprofits • Source year 2025

Liabilities / Revenue

62nd percentile

0.10x

Higher debt load relative to revenue than 62% of similar nonprofits.

501(c)9 • $100M-$250M nonprofits • Source year 2025

Net Margin

48th percentile

3.6%

Higher net margin than 48% of similar nonprofits.

501(c)9 • $100M-$250M nonprofits • Source year 2025

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.

501(c)9 • $100M-$250M nonprofits • Source year 2025

Asset Growth

53rd percentile

7.8%

Faster asset growth than 53% of similar nonprofits.

501(c)9 • $100M-$250M nonprofits • Annualized from 2024 to 2025

Revenue Growth

64th percentile

11%

Faster revenue growth than 64% of similar nonprofits.

501(c)9 • $100M-$250M nonprofits • Annualized from 2024 to 2025

Balance Sheet
Liabilities / Assets83rd percentile

Assets

Up

$51,620,095

Up $3,717,309 (+7.8%) from 2024

Liabilities

Down

$17,369,359

Down $2,612,235 (-13%) from 2024

Net Assets

Up

$34,250,736

Up $6,329,544 (+23%) from 2024

Operations
Liabilities / Revenue62nd percentileNet Margin48th percentile

Revenue

Up

$174,325,195

Up $17,104,627 (+11%) from 2024

Expenses

Up

$167,995,651

Up $1,055,348 (+0.6%) from 2024

Net Income

Up

$6,329,544

Up $16,049,279 (+165%) from 2024

Trend Graphs

Balance Sheet Trend

Asset Growth53rd percentile

Grouped bars show assets, liabilities, and net assets across loaded filings.

$80M$60M$40M$20M$0Assets 2010: $37,260,650Liabilities 2010: $9,650,400Net Assets 2010: $27,610,2502010Assets 2011: $39,829,150Liabilities 2011: $13,101,638Net Assets 2011: $26,727,5122011Assets 2012: $36,858,576Liabilities 2012: $12,018,576Net Assets 2012: $24,840,0002012Assets 2013: $52,179,746Liabilities 2013: $18,460,971Net Assets 2013: $33,718,7752013Assets 2014: $57,921,610Liabilities 2014: $19,481,144Net Assets 2014: $38,440,4662014Assets 2015: $63,629,952Liabilities 2015: $19,575,380Net Assets 2015: $44,054,5722015Assets 2016: $62,208,253Liabilities 2016: $19,582,382Net Assets 2016: $42,625,8712016Assets 2017: $61,593,731Liabilities 2017: $21,275,946Net Assets 2017: $40,317,7852017Assets 2018: $59,714,655Liabilities 2018: $13,316,978Net Assets 2018: $46,397,6772018Assets 2019: $62,124,377Liabilities 2019: $12,906,134Net Assets 2019: $49,218,2432019Assets 2020: $67,709,006Liabilities 2020: $13,408,097Net Assets 2020: $54,300,9092020Assets 2021: $66,421,852Liabilities 2021: $10,929,688Net Assets 2021: $55,492,1642021Assets 2022: $57,833,906Liabilities 2022: $10,913,696Net Assets 2022: $46,920,2102022Assets 2023: $52,898,430Liabilities 2023: $15,257,503Net Assets 2023: $37,640,9272023Assets 2024: $47,902,786Liabilities 2024: $19,981,594Net Assets 2024: $27,921,1922024Assets 2025: $51,620,095Liabilities 2025: $17,369,359Net Assets 2025: $34,250,7362025

Highlighted filing

2025

Assets$51,620,095
Liabilities$17,369,359
Net Assets$34,250,736
Open 2025 Filing

Operations Trend

Revenue Growth64th percentile

Revenue, expenses, and net income by year, with the latest filing highlighted.

$200M$150M$100M$50M$0-$50MExpenses 2010: $84,864,9962010Revenue 2011: $89,674,323Expenses 2011: $90,557,061Net Income 2011: -$882,7382011Expenses 2012: $104,031,3772012Expenses 2013: $99,155,1612013Revenue 2014: $114,459,333Expenses 2014: $109,737,642Net Income 2014: $4,721,6912014Revenue 2015: $115,018,900Expenses 2015: $109,404,794Net Income 2015: $5,614,1062015Revenue 2016: $120,017,077Expenses 2016: $121,445,778Net Income 2016: -$1,428,7012016Revenue 2017: $124,625,860Expenses 2017: $126,933,946Net Income 2017: -$2,308,0862017Revenue 2018: $132,635,436Expenses 2018: $126,555,544Net Income 2018: $6,079,8922018Revenue 2019: $135,215,786Expenses 2019: $132,395,220Net Income 2019: $2,820,5662019Revenue 2020: $133,412,019Expenses 2020: $128,329,353Net Income 2020: $5,082,6662020Revenue 2021: $138,242,565Expenses 2021: $137,051,310Net Income 2021: $1,191,2552021Revenue 2022: $139,472,333Expenses 2022: $148,044,287Net Income 2022: -$8,571,9542022Revenue 2023: $144,237,941Expenses 2023: $153,517,224Net Income 2023: -$9,279,2832023Revenue 2024: $157,220,568Expenses 2024: $166,940,303Net Income 2024: -$9,719,7352024Revenue 2025: $174,325,195Expenses 2025: $167,995,651Net Income 2025: $6,329,5442025

Highlighted filing

2025

Revenue$174,325,195
Expenses$167,995,651
Net Income$6,329,544
Open 2025 Filing

Filings

Most recent year

2025 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$51,620,095
Liabilities
$17,369,359
Net assets
$34,250,736
Revenue
$174,325,195
Expenses
$167,995,651
Net income
$6,329,544
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2025Detailed filing. Detailed filing data is available for this year.$51.6$17.4$34.3$174$168$6.33
2024Detailed filing. Detailed filing data is available for this year.$47.9$20.0$27.9$157$167$9.72
2023Detailed filing. Detailed filing data is available for this year.$52.9$15.3$37.6$144$154$9.28
2022Detailed filing. Detailed filing data is available for this year.$57.8$10.9$46.9$139$148$8.57
2021Detailed filing. Detailed filing data is available for this year.$66.4$10.9$55.5$138$137$1.19
2020Detailed filing. Detailed filing data is available for this year.$67.7$13.4$54.3$133$128$5.08
2019Detailed filing. Detailed filing data is available for this year.$62.1$12.9$49.2$135$132$2.82
2018Detailed filing. Detailed filing data is available for this year.$59.7$13.3$46.4$133$127$6.08
2017Detailed filing. Detailed filing data is available for this year.$61.6$21.3$40.3$125$127$2.31
2016Detailed filing. Detailed filing data is available for this year.$62.2$19.6$42.6$120$121$1.43
2015Detailed filing. Detailed filing data is available for this year.$63.6$19.6$44.1$115$109$5.61
2014Detailed filing. Detailed filing data is available for this year.$57.9$19.5$38.4$114$110$4.72
2013Facts available. Structured filing facts are available, but richer extracted sections are limited.$52.2$18.5$33.7$99.2
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$36.9$12.0$24.8$104
2011Summary only. Only limited summary data is available for this year.$39.8$13.1$26.7$89.7$90.6$0.88
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$37.3$9.65$27.6$84.9
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jul 1, 2024 to Jun 30, 2025
Signed
Dec 10, 2025
Return Version
2024v5.0
Gross Receipts
$174,325,195
Mission and Program Overview

Mission

The purpose of the health insurance consortium trust is to purchase group health insurance for its member school districts

Balance Sheet Detail
LineBeginningEndChange
Assets
Cash and Non-Interest-Bearing Accounts$47,310,152$50,081,650▲ $2,771,498
Accounts Receivable$527,384$1,538,445▲ $1,011,061
Prepaid Expenses and Deferred Charges$65,250--
Total Assets$47,902,786$51,620,095▲ $3,717,309
Liabilities
Other Liabilities$10,913,696$10,913,696→ $0
Accounts Payable and Accrued Expenses$5,043,257$6,455,663▲ $1,412,406
Deferred Revenue$4,024,641--
Total Liabilities$19,981,594$17,369,359▼ $2,612,235
Net Assets / Fund Balance
Net Assets Without Donor Restrictions$14,763,947$32,248,640▲ $17,484,693
Net Assets With Donor Restrictions$13,157,245$2,002,096▼ $11,155,149
Total Net Assets Fund Balance$27,921,192$34,250,736▲ $6,329,544
Total Liabilities and Net Assets / Fund Balance$47,902,786$51,620,095▲ $3,717,309
Compensation and Service Providers
Top Officer Pay34th percentile

Board Members and Trustees

NameTitle
Amy Langworthy Warrensburg CsdTrustee
Benjamin Halsey Fort Edward UfsdTrustee
Burgess Ovitt Hadley-luzerne CsdTrustee
Caleb Martin North Warren CsdTrustee
Candice Husson Minerva CsdTrustee
Chad Shippee Bolton CsdTrustee
Christian Fisher Newcomb CsdTrustee
Gianleo Duca Ballston Spa CsdTrustee
James Bennefield Argyle CsdTrustee
Jennifer Steimle Greenwich CsdTrustee
John Luthringer Lake George CsdTrustee
Joseph Mariano Stillwater CsdTrustee
Julie Collier Salem CsdTrustee
Justin Hoskins Fort Ann CsdTrustee
Kevin Kolakowski Mechanicville CsdTrustee
Krislynn Dengler Glens Falls Cty SdTrustee
Kristine Orr South Glens Falls CsdTrustee
Kyle Gannon Queensbury UfsdTrustee
Mark Fish Galway CsdTrustee
Mark Stratton Corinth CsdTrustee
Melissa Mulvey Indian Lake CsdTrustee
Michael Healey Waterford-halfmoTrustee
Michael Markwica Johnsburg CsdTrustee
Michael Patton Saratoga SpringsTrustee
Ryan Sherman Schuylerville CsdTrustee
Tom Mcgurl Granville CsdTrustee
Turina Parker Wswhe BocesTrustee
Vince Canini Cambridge CsdTrustee
Patrick Dee Whitehall CsdTrustee/chai
Andrew Cook Hartford CsdTrustee/vice
Christopher LailDeputy Treas
Tim HilkerExecutive Ch
Troy TylerTreasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$172,314,262
Investment Income
$2,010,933
Other Revenue
$0
Change in Net Assets
$6,329,544

Audited Revenue Reconciliation

Revenue per Audited Statements
$174,325,195
Total Revenue per Audited Statements
$174,325,195
Total Revenue per Form 990
$174,325,195
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$167,995,651
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
Information Technology-$274,210-$274,210
All Other Expenses$221,534--$221,534
Other Expenses$208,800--$208,800
Insurance-$38,211-$38,211
Fees for Services Accounting-$5,500-$5,500
Fees for Services Legal-$1,220-$1,220
Total Functional Expenses$167,676,510$319,141$0$167,995,651

Audited Expense Reconciliation

Line ItemAmount
Expenses per Audited Statements$167,995,651
Total Expenses per Audited Statements$167,995,651
Total Expenses per Form 990$167,995,651
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
Claims and Related Expenses Payable$10,913,696
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
Yes
Audit committee
Yes
Backup withholding compliance
No
Business relationship with 35% controlled entity
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
No
Other officer compensation reviewed
No
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, Page 6, Part VI, Line 11B

“Each member of the board will receive a copy of a draft form 990 for review and approval prior to filing. If any board member is unable to be contacted to perform such review, responsibility for this individual will transfer to the chairman of the board”

Form 990, Page 6, Part VI, Line 12C

“Periodic reviews are conducted that review potential areas of conflict”

Form 990, Page 6, Part VI, Line 19

“Governing documents are available upon request to the chairman of the executive committee”

Filing and Contact Details

Filer

Filer Name
Washington-saratoga-warren-hamilton
EIN
20-5988744
Phone
5187463326
Address
267 BALLARD ROAD SUITE 7, WILTON, NY 12831

Signing Officer

Name
Tim Hilker
Title
Executive Chairman
Phone
5187463320
Signed
2025-12-10
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Tim Hilker
Formed
2006
Legal Domicile
Ny
Voting Board Members
30
Independent Board Members
30
Employees
0

Preparer

Firm
West & Company Cpas Pc
Address
PO BOX 1219, GLOVERSVILLE, NY 12078-0354
Preparer
Amy M Pedrick
Phone
5187257127
Supplemental Narrative

Financial Statement Notes

Schedule D, Page 3, Part X

“The consortium follows the provisions of uncertain tax positions as addressed in fasb asc 740. Management has determined that it currently has no uncertain tax positions or unrecognized tax benefits to report for the year ended june 30, 2025.”

Raw XML AppendixShowing 400 of 488 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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