Liabilities / Assets
48th percentile
Higher debt load relative to assets than 48% of similar nonprofits.
Life Insurance Association of Michigan
990 • Fiscal year 2013 • EIN 23-7429748
Siviq Scores
Precomputed percentiles for this filing year versus similar nonprofits in the same peer cohort.
0.00x
Liabilities / Revenue
49th percentile
Higher debt load relative to revenue than 49% of similar nonprofits.
Net Margin
51st percentile
Higher net margin than 51% of similar nonprofits.
Top Officer Pay
97th percentile
Higher top officer pay than 97% of similar nonprofits.
Top officer pay equals 52.9% of source-year revenue.
Asset Growth
48th percentile
Faster asset growth than 48% of similar nonprofits.
Revenue Growth
Score unavailable
No earlier valid filing was available within the previous three public years.
Balance Sheet
Assets
Up$226,276
Up $4,190 (+1.9%) from 2012
Net Assets
Up$226,208
Up $5,462 (+2.5%) from 2012
Liabilities
Down$68
Down $1,272 (-95%) from 2012
Revenue And Expenses
Revenue
$184,768
No earlier filing loaded for comparison.
Expenses
Down$179,306
Down $5,858 (-3.2%) from 2012
Net Income
$5,462
No earlier filing loaded for comparison.
Historical Trend
Jump To
Filing Snapshot
- Filing Period
- Jan 1, 2013 to Dec 31, 2013
- Signed
- Aug 4, 2014
- Return Version
- 2013v3.1
- Gross Receipts
- $184,768
Mission and Program Overview
Mission
To serve the michigan life insurance industry through focused legislative, regulatory, and public affairs activities while adhering to high ethical and professional standards for the benefit of michigans insurance buying consumers.
Balance Sheet Detail
| Line | Beginning | End | Change |
|---|---|---|---|
| Assets | |||
| Rtn Earn Endowment Incm Other Fnds | $220,746 | $226,208 | ▲ $5,462 |
| Savings and Temporary Cash Investments | $219,770 | $197,029 | ▼ $22,741 |
| Cash and Non-Interest-Bearing Accounts | $2,316 | $29,247 | ▲ $26,931 |
| Total Assets | $222,086 | $226,276 | ▲ $4,190 |
| Liabilities | |||
| Other Liabilities | $1,340 | $68 | ▼ $1,272 |
| Total Liabilities | $1,340 | $68 | ▼ $1,272 |
| Net Assets / Fund Balance | |||
| Total Net Assets Fund Balance | $220,746 | $226,208 | ▲ $5,462 |
| Total Liabilities and Net Assets / Fund Balance | $222,086 | $226,276 | ▲ $4,190 |
Compensation and Service Providers
Employees
| Name | Title | Full / Part Time | Base | Other | Total |
|---|---|---|---|---|---|
| Lawrence J Kish | Pres. & Gen | FT | $87,817 | $9,997 | $97,814 |
Board Members and Trustees
| Name | Title |
|---|---|
| John Brown | Chair |
| James Robinson | Past Chair |
| Eric C Musser | Vice Chair |
| Frederick P Mcgarvey | Director at |
| Robert Anderson | Director at |
| Linda Watters | Secretary |
| David Pittman | Treasurer |
Revenue and Support
Revenue Composition
- Contributions and Grants
- $0
- Program Service Revenue
- $183,800
- Investment Income
- $968
- Other Revenue
- $0
- Change in Net Assets
- $5,462
Expenses and Functional Allocation
Major Expense Lines
| Line Item | Amount |
|---|---|
| Salaries, Compensation, and Employee Benefits | $118,639 |
| Other Expenses | $60,667 |
| Grants and Similar Amounts Paid | $0 |
| Professional Fundraising Fees | $0 |
| Total Fundraising Expense | $0 |
Functional Expense Allocation
| Line Item | Program | Management | Fundraising | Total |
|---|---|---|---|---|
| Current Officers, Directors, Trustees, and Key Employees | - | - | - | $97,814 |
| Fees for Services Management | - | - | - | $21,000 |
| Fees for Services Lobbying | - | - | - | $15,000 |
| Payroll Taxes | - | - | - | $13,276 |
| Other Salaries and Wages | - | - | - | $4,360 |
| Conferences and Meetings | - | - | - | $3,981 |
| Office Expenses | - | - | - | $3,479 |
| Other Employee Benefits | - | - | - | $3,189 |
| Occupancy | - | - | - | $3,150 |
| Other Expenses | - | - | - | $1,047 |
| Insurance | - | - | - | $1,017 |
| Fees for Services Accounting | - | - | - | $933 |
| Travel | - | - | - | $894 |
| All Other Expenses | - | - | - | $873 |
| Total Functional Expenses | $0 | $0 | $0 | $179,306 |
Fundraising, Events, and Gaming
- Fundraising activities
- No
- Gaming activities
- No
- Professional fundraiser used
- No
Fundraising and Gaming Totals
| Line Item | Amount |
|---|---|
| Professional Fundraising Fees | $0 |
Political and Lobbying Activity
- Political campaign activity
- No
- In-house lobbying only
- No
- Subject to proxy tax
- Yes
Reported Spending and Taxes
| Line Item | Amount |
|---|---|
| Current Year Nondeductible Lobbying and Political Cost | $77,529 |
| Total Nondeductible Lobbying and Political Cost | $77,529 |
Debt and Bond Financing
Other Reported Liabilities
| Liability | Amount |
|---|---|
| Federal Unemployment Tax Accru | $68 |
Governance and Compliance
Governance Checklist
- Compiled or reviewed by an accountant
- Yes
- Annual disclosure for covered persons
- Yes
- Audit committee
- 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
- No
- Conflict-of-interest policy
- Yes
- Audited financial statements prepared
- No
- Key decisions subject to board approval
- Yes
- Management duties delegated
- Yes
Governance Explanations
Form 990, Page 6, Part VI, Line 3
“The association hired riehl solutions during 2013 to provide management and administrative duties under the direct supervision of the board of directors. These duties include financial record keeping, daily office support, coordination of meetings, maintaining files and necessary reporting documents as required by michigan and federal law, and working with the vendors and lobbying organization contracted by the association.”
Form 990, Page 6, Part VI, Line 6
“The association has three categories of membership: regular, subscriber, and associate. Regular members have voting rights and are eligible for a seat on the board of directors. Subscriber members have voting rights, but are not eligible for a seat on the board of directors. Associate members do not have voting rights.”
Form 990, Page 6, Part VI, Line 7A
“The board of directors is composed of the chair, vice-chair, secretary, and treasurer of the assocation, as well as no more than four members at large selected by the association and the immediate past chair. In the event of the resignation or removal of an individual from the board of directors, the vacancy may be filled by a replacement individual appointed by the member company which employed the individual who resigned or was removed.”
Form 990, Page 6, Part VI, Line 7B
“Members, with the right, vote on matters that come before the association to be exercised by the chief executive officer.”
Form 990, Page 6, Part VI, Line 11B
“The form 990 is prepared by an external independent accountant and is then reviewed by the board of directors prior to filing.”
Form 990, Page 6, Part VI, Line 12C
“Any conflicts of interest disclosures are reviewed by the board annually.”
Form 990, Page 6, Part VI, Line 15A
“Comparable compensation information from other trade associations is obtained and used to make decisions regarding the salary of the president and is approved and documented by the board of directors.”
Form 990, Page 6, Part VI, Line 19
“Information is available to the public upon written request.”
Filing and Contact Details
Filer
- EIN
- 23-7429748
- Phone
- 5173383035
Signing Officer
- Name
- David Pittman
- Title
- Treasurer
- Phone
- 5173383035
- Signed
- 2014-08-04
- Discuss with paid preparer
- Yes
Organization Details
- Principal Officer
- Lawrence J Kish
- Formed
- 1974
- Legal Domicile
- Mi
- Voting Board Members
- 7
- Independent Board Members
- 7
- Employees
- 2
- Volunteers
- 20
Preparer
- Preparer
- Julie M Pfeifle
- Phone
- 5177060800
Supplemental Narrative
Additional Explanations
FORM 990 - ORGANIZATION'S MISSION
“To serve the michigan life insurance industry through focused legislative, regulatory, and public affairs activities while adhering to high ethical and professional standards for the benefit of michigans insurance buying consumers.”
Form 990
“All lines left blank are not applicable to the organization.”
Raw XML Appendix320 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/TitleTxt | 1 | VICE CHAIR |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 2 | DIRECTOR AT |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 3 | CHAIR |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 4 | PAST CHAIR |
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| IRS990/Form990PartVIISectionAGrp/TitleTxt | 6 | DIRECTOR AT |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 7 | PRES. & GEN |
| IRS990/Form990ProvidedToGvrnBodyInd | 0 | true |
| IRS990/FormationYr | 0 | 1974 |
| IRS990/FormerOfcrEmployeesListedInd | 0 | false |
| IRS990/FSAuditedInd | 0 | false |
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| IRS990/GoverningBodyVotingMembersCnt | 0 | 7 |
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| IRS990/GrantsToOrganizationsInd | 0 | false |
| IRS990/GrantToRelatedPersonInd | 0 | false |
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| IRS990/IncludeFIN48FootnoteInd | 0 | false |
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| IRS990/IndoorTanningServicesInd | 0 | false |
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| IRS990/InvestmentInJointVentureInd | 0 | false |
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| IRS990/MethodOfAccountingCashInd | 0 | X |
| IRS990/MinutesOfCommitteesInd | 0 | true |
| IRS990/MinutesOfGoverningBodyInd | 0 | true |
| IRS990/MissionDesc | 0 | TO SERVE THE MICHIGAN LIFE INSURANCE INDUSTRY THROUGH FOCUSED LEGISLATIVE, REGULATORY, AND PUBLIC AFFAIRS ACTIVITIES WHILE ADHERING TO HIGH ETHICAL AND PROFESSIONAL STANDARDS FOR THE BENEFIT OF MICHIGANS INSURANCE BUYING CONSUMERS. |
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| IRS990/OtherExpensesGrp/Desc | 3 | PRINTING |
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| IRS990ScheduleC/SubstantiallyAllDuesNondedInd | 0 | false |
| IRS990ScheduleC/SupplementalInformationDetail/ExplanationTxt | 0 | THE LIFE INSURANCE ASSOCIATION OF MICHIGAN ENGAGES IN LOBBYING ACTIVITIES REGARDING REGULATORY AND LEGISLATIVE ISSUES IMPACTING THE LIFE INSURANCE AND ANNUITY INDUSTRY IN THE STATE OF MICHIGAN. |
| IRS990ScheduleC/SupplementalInformationDetail/FormAndLineReferenceDesc | 0 | SCHEDULE C, PART II-B, LINE 1 |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt | 0 | 68 |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc | 0 | FEDERAL UNEMPLOYMENT TAX ACCRU |
| IRS990ScheduleD/TotalLiabilityAmt | 0 | 68 |
| IRS990/ScheduleJRequiredInd | 0 | false |
| IRS990/ScheduleORequiredInd | 0 | true |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 0 | TO SERVE THE MICHIGAN LIFE INSURANCE INDUSTRY THROUGH FOCUSED LEGISLATIVE, REGULATORY, AND PUBLIC AFFAIRS ACTIVITIES WHILE ADHERING TO HIGH ETHICAL AND PROFESSIONAL STANDARDS FOR THE BENEFIT OF MICHIGANS INSURANCE BUYING CONSUMERS. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 1 | ALL LINES LEFT BLANK ARE NOT APPLICABLE TO THE ORGANIZATION. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 2 | THE ASSOCIATION HIRED RIEHL SOLUTIONS DURING 2013 TO PROVIDE MANAGEMENT AND ADMINISTRATIVE DUTIES UNDER THE DIRECT SUPERVISION OF THE BOARD OF DIRECTORS. THESE DUTIES INCLUDE FINANCIAL RECORD KEEPING, DAILY OFFICE SUPPORT, COORDINATION OF MEETINGS, MAINTAINING FILES AND NECESSARY REPORTING DOCUMENTS AS REQUIRED BY MICHIGAN AND FEDERAL LAW, AND WORKING WITH THE VENDORS AND LOBBYING ORGANIZATION CONTRACTED BY THE ASSOCIATION. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 3 | THE ASSOCIATION HAS THREE CATEGORIES OF MEMBERSHIP: REGULAR, SUBSCRIBER, AND ASSOCIATE. REGULAR MEMBERS HAVE VOTING RIGHTS AND ARE ELIGIBLE FOR A SEAT ON THE BOARD OF DIRECTORS. SUBSCRIBER MEMBERS HAVE VOTING RIGHTS, BUT ARE NOT ELIGIBLE FOR A SEAT ON THE BOARD OF DIRECTORS. ASSOCIATE MEMBERS DO NOT HAVE VOTING RIGHTS. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 4 | THE BOARD OF DIRECTORS IS COMPOSED OF THE CHAIR, VICE-CHAIR, SECRETARY, AND TREASURER OF THE ASSOCATION, AS WELL AS NO MORE THAN FOUR MEMBERS AT LARGE SELECTED BY THE ASSOCIATION AND THE IMMEDIATE PAST CHAIR. IN THE EVENT OF THE RESIGNATION OR REMOVAL OF AN INDIVIDUAL FROM THE BOARD OF DIRECTORS, THE VACANCY MAY BE FILLED BY A REPLACEMENT INDIVIDUAL APPOINTED BY THE MEMBER COMPANY WHICH EMPLOYED THE INDIVIDUAL WHO RESIGNED OR WAS REMOVED. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 5 | MEMBERS, WITH THE RIGHT, VOTE ON MATTERS THAT COME BEFORE THE ASSOCIATION TO BE EXERCISED BY THE CHIEF EXECUTIVE OFFICER. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 6 | THE FORM 990 IS PREPARED BY AN EXTERNAL INDEPENDENT ACCOUNTANT AND IS THEN REVIEWED BY THE BOARD OF DIRECTORS PRIOR TO FILING. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 7 | ANY CONFLICTS OF INTEREST DISCLOSURES ARE REVIEWED BY THE BOARD ANNUALLY. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 8 | COMPARABLE COMPENSATION INFORMATION FROM OTHER TRADE ASSOCIATIONS IS OBTAINED AND USED TO MAKE DECISIONS REGARDING THE SALARY OF THE PRESIDENT AND IS APPROVED AND DOCUMENTED BY THE BOARD OF DIRECTORS. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 9 | INFORMATION IS AVAILABLE TO THE PUBLIC UPON WRITTEN REQUEST. |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 0 | FORM 990 - ORGANIZATION'S MISSION |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 1 | FORM 990 |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 2 | FORM 990, PAGE 6, PART VI, LINE 3 |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 3 | FORM 990, PAGE 6, PART VI, LINE 6 |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 4 | FORM 990, PAGE 6, PART VI, LINE 7A |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 5 | FORM 990, PAGE 6, PART VI, LINE 7B |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 6 | FORM 990, PAGE 6, PART VI, LINE 11B |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 7 | FORM 990, PAGE 6, PART VI, LINE 12C |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 8 | FORM 990, PAGE 6, PART VI, LINE 15A |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 9 | FORM 990, PAGE 6, PART VI, LINE 19 |
| IRS990/SchoolOperatingInd | 0 | false |
| IRS990/SignificantChangeInd | 0 | false |
| IRS990/SignificantNewProgramSrvcInd | 0 | false |
| IRS990/SubjectToProxyTaxInd | 0 | true |
| IRS990/TaxablePartyNotificationInd | 0 | false |
| IRS990/TaxExemptBondsInd | 0 | false |
| IRS990/TempOrPermanentEndowmentsInd | 0 | false |
| IRS990/TerminateOperationsInd | 0 | false |
| IRS990/TotalAssetsBOYAmt | 0 | 222086 |
| IRS990/TotalAssetsEOYAmt | 0 | 226276 |
| IRS990/TotalAssetsGrp/BOYAmt | 0 | 222086 |
| IRS990/TotalAssetsGrp/EOYAmt | 0 | 226276 |
| IRS990/TotalCompGreaterThan150KInd | 0 | false |
| IRS990/TotalEmployeeCnt | 0 | 2 |
| IRS990/TotalFunctionalExpensesGrp/FundraisingAmt | 0 | 0 |
| IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt | 0 | 0 |
| IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt | 0 | 0 |
| IRS990/TotalFunctionalExpensesGrp/TotalAmt | 0 | 179306 |
| IRS990/TotalGrossUBIAmt | 0 | 0 |
| IRS990/TotalLiabilitiesBOYAmt | 0 | 1340 |
| IRS990/TotalLiabilitiesEOYAmt | 0 | 68 |
| IRS990/TotalLiabilitiesGrp/BOYAmt | 0 | 1340 |
| IRS990/TotalLiabilitiesGrp/EOYAmt | 0 | 68 |
| IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt | 0 | 220746 |
| IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt | 0 | 226208 |
| IRS990/TotalOtherCompensationAmt | 0 | 9997 |
| IRS990/TotalProgramServiceRevenueAmt | 0 | 183800 |
| IRS990/TotalReportableCompFromOrgAmt | 0 | 87817 |
| IRS990/TotalRevenueGrp/ExclusionAmt | 0 | 968 |
| IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt | 0 | 183800 |
| IRS990/TotalRevenueGrp/TotalRevenueColumnAmt | 0 | 184768 |
| IRS990/TotalVolunteersCnt | 0 | 20 |
| IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt | 0 | 222086 |
| IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt | 0 | 226276 |
| IRS990/TravelGrp/TotalAmt | 0 | 894 |
| IRS990/TypeOfOrganizationAssocInd | 0 | X |
| IRS990/UnrelatedBusIncmOverLimitInd | 0 | false |
| IRS990/UponRequestInd | 0 | X |
| IRS990/USAddress/AddressLine1 | 0 | 1217 TURNER ST |
| IRS990/USAddress/City | 0 | LANSING |
| IRS990/USAddress/State | 0 | MI |
| IRS990/USAddress/ZIPCode | 0 | 48906 |
| IRS990/VotingMembersGoverningBodyCnt | 0 | 7 |
| IRS990/VotingMembersIndependentCnt | 0 | 7 |
| IRS990/WhistleblowerPolicyInd | 0 | true |
| ReturnHeader/BuildTS | 0 | 2015-11-30 17:44:51Z |
| ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd | 0 | true |
| ReturnHeader/BusinessOfficerGrp/PersonNm | 0 | DAVID PITTMAN |
| ReturnHeader/BusinessOfficerGrp/PersonTitleTxt | 0 | TREASURER |
| ReturnHeader/BusinessOfficerGrp/PhoneNum | 0 | 5173383035 |
| ReturnHeader/BusinessOfficerGrp/SignatureDt | 0 | 2014-08-04 |
| ReturnHeader/Filer/BusinessName/BusinessNameLine1 | 0 | LIFE INSURANCE ASSOCIATION |
| ReturnHeader/Filer/BusinessName/BusinessNameLine2 | 0 | OF MICHIGAN |
| ReturnHeader/Filer/BusinessNameControlTxt | 0 | LIFE |
| ReturnHeader/Filer/EIN | 0 | 237429748 |
| ReturnHeader/Filer/PhoneNum | 0 | 5173383035 |
| ReturnHeader/Filer/USAddress/AddressLine1 | 0 | 1217 TURNER ST |
| ReturnHeader/Filer/USAddress/City | 0 | LANSING |
| ReturnHeader/Filer/USAddress/State | 0 | MI |
| ReturnHeader/Filer/USAddress/ZIPCode | 0 | 48906 |
| ReturnHeader/PreparerFirmGrp/PreparerFirmEIN | 0 | 383133790 |
| ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1 | 0 | ANDREWS HOOPER PAVLIK PLC |
| ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1 | 0 | 4295 OKEMOS RD STE 200 |
| ReturnHeader/PreparerFirmGrp/PreparerUSAddress/City | 0 | OKEMOS |
| ReturnHeader/PreparerFirmGrp/PreparerUSAddress/State | 0 | MI |
| ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCode | 0 | 488646201 |
| ReturnHeader/PreparerPersonGrp/PhoneNum | 0 | 5177060800 |
| ReturnHeader/PreparerPersonGrp/PreparationDt | 0 | 2014-08-04 |
| ReturnHeader/PreparerPersonGrp/PreparerPersonNm | 0 | JULIE M PFEIFLE |
| ReturnHeader/ReturnTs | 0 | 2014-08-11T09:42:35-05:00 |
| ReturnHeader/ReturnTypeCd | 0 | 990 |
| ReturnHeader/TaxPeriodBeginDt | 0 | 2013-01-01 |
| ReturnHeader/TaxPeriodEndDt | 0 | 2013-12-31 |
| ReturnHeader/TaxYr | 0 | 2013 |
Document Assets
No mirrored PDF or thumbnail assets are attached yet.
Filings
Displayed year
2013 • Form 990Detailed filing. Detailed filing data is available for this year.
- Assets
- $226,276
- Liabilities
- $68
- Net assets
- $226,208
- Revenue
- $184,768
- Expenses
- $179,306
- Net income
- $5,462
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