Liabilities / Assets
98th percentile
Higher debt load relative to assets than 98% of similar nonprofits.
Siviq Scores
Precomputed percentiles for this filing year versus similar nonprofits in the same peer cohort.
2.95x
Liabilities / Revenue
Score unavailable
Liabilities-to-revenue requires both liabilities and revenue on this filing.
Net Margin
Score unavailable
Net margin requires both revenue and expenses on this filing.
Top Officer Pay
Score unavailable
This filing does not contain officer compensation rows.
Asset Growth
95th percentile
Faster asset growth than 95% of similar nonprofits.
Revenue Growth
Score unavailable
No valid filing value is available for this score.
Balance Sheet
Assets
Up$1,030,897
Up $381,988 (+59%) from 2010
Net Assets
Up-$2,009,406
Up $430,987 (+18%) from 2010
Liabilities
Down$3,040,303
Down $48,999 (-1.6%) from 2010
Revenue And Expenses
Revenue
-
No earlier filing loaded for comparison.
Expenses
Down$9,227,416
Down $4,579,690 (-33%) from 2010
Net Income
-
No earlier filing loaded for comparison.
Historical Trend
Jump To
Filing Snapshot
- Filing Period
- Jan 1, 2011 to Dec 31, 2011
- Signed
- Nov 13, 2012
- Return Version
- 2011v1.2
- Gross Receipts
- $9,658,403
Mission and Program Overview
Mission
The organization's primary mission is to provide healthcare benefits to public employers. Consolidated benefit trust was established as a funding vehicle to allow public employer and employee groups to take advantage of public act 106 by pooling their risk with other like entities to achieve "economy of scale" savings.
Filing and Contact Details
Filer
- EIN
- 26-2262308
Raw XML Appendix399 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.
| Path | # | Value |
|---|---|---|
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| IRS990/AccountsReceivable/EOY | 0 | 4971 |
| IRS990/ActivitiesConductedPartnership | 0 | false |
| IRS990/ActivityOrMissionDescription | 0 | THE MISSION OF CONSOLIDATED BENEFIT TRUST IS TO PROVIDE HEALTHCARE BENEFITS TO PUBLIC EMPLOYERS. |
| IRS990/AddressPrincipalOfficerUS/AddressLine1 | 0 | 3809 Lake Eastbrook Boulevard |
| IRS990/AddressPrincipalOfficerUS/City | 0 | Grand Rapids |
| IRS990/AddressPrincipalOfficerUS/State | 0 | MI |
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| IRS990/CashNonInterestBearing/EOY | 0 | 480582 |
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| IRS990/CollectionsOfArt | 0 | false |
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| IRS990/CompensationProcessOther | 0 | false |
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| IRS990/Description | 0 | CONSOLIDATED BENEFIT TRUST (CBT) WAS ESTABLISHED FOR THE EXCLUSIVE PURPOSE OF PURCHASING VARIOUS HEALTH AND WELFARE BENEFITS FOR PARTICIPATING MEMBERS OF PARTICIPATING UNIONS AND EMPLOYEES OF VARIOUS PARTICIPATING EMPLOYERS IN MICHIGAN FROM THEIR EMPLOYERS' CONTRIBUTIONS. CBT IS FINANCED BY EMPLOYER CONTRIBUTIONS ON BEHALF OF ELIGIBLE PARTICIPANTS AND BY SELF-PAYMENTS FROM CERTAIN ELIGIBLE PARTICIPANTS. CBT PURCHASES INSURANCE FOR ONE OR MORE OF THE FOLLOWING CATEGORIES OF BENEFITS TO ELIGIBLE PARTICIPANTS, AS DETERMINED BY THE TRUSTEES: MEDICAL-SURGICAL; HOSPITAL; DENTAL; OPTICAL; AUXILIARY BENEFITS INVOLVED IN CARE, TREATMENT, RECOVERY, AND REHABILITATION FOLLOWING INJURY OR ILLNESS; PRESCRIPTION DRUGS; LIFE INSURANCE; DISABILITY INCOME INSURANCE; AND ACCIDENTAL DEATH AND DISMEMBERMENT INSURANCE. |
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| IRS990/MissionDescription | 0 | THE ORGANIZATION'S PRIMARY MISSION IS TO PROVIDE HEALTHCARE BENEFITS TO PUBLIC EMPLOYERS. CONSOLIDATED BENEFIT TRUST WAS ESTABLISHED AS A FUNDING VEHICLE TO ALLOW PUBLIC EMPLOYER AND EMPLOYEE GROUPS TO TAKE ADVANTAGE OF PUBLIC ACT 106 BY POOLING THEIR RISK WITH OTHER LIKE ENTITIES TO ACHIEVE "ECONOMY OF SCALE" SAVINGS. |
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| IRS990ScheduleD/ExpensesSubtotal | 0 | 8573019 |
| IRS990ScheduleD/FederalIncomeTaxLiability | 0 | 0 |
| IRS990ScheduleD/Form990ScheduleDPartXIV/Explanation | 0 | THE TRUST CONTRACTS WITH CERTAIN EMPLOYERS TO ADMINISTER THOSE INDIVIDUAL EMPLOYERS' SELF-FUNDED BENEFIT PLANS. DEPOSITS HELD BY THE TRUST FOR THESE SELF-FUNDED BENEFIT PLANS ARE RECORDED AS ASSETS ON THE STATEMENTS OF FINANCIAL POSITION. AMOUNTS PAYABLE TO MEDICAL SERVICE PROVIDERS, UNDER THESE SELF-FUNDED BENEFIT PLANS ARE RECORDED AS LIABILITIES ON THE STATEMENTS OF FINANCIAL POSITION. |
| IRS990ScheduleD/Form990ScheduleDPartXIV/Explanation | 1 | THE TRUST IS EXEMPT FROM FEDERAL AND STATE INCOME TAXES IN ACCORDANCE WITH SECTION 501(C)(9) OF THE INTERNAL REVENUE CODE. ACCORDINGLY, NO INCOME TAX EXPENSE WAS PAID DURING OR RECORDED IN THE FINANCIAL STATEMENTS FOR THE YEARS ENDED DECEMBER 31, 2011 AND 2010. A TAX POSITION IS RECOGNIZED AS A BENEFIT ONLY IF IT IS MORE LIKELY THAN NOT THAT THE TAX POSITION WOULD BE SUSTAINED IN A TAX EXAMINATION, WITH A TAX EXAMINATION BEING PRESUMED TO OCCUR. THE AMOUNT RECOGNIZED IS THE LARGEST AMOUNT OF TAX BENEFIT THAT IS GREATER THAN 50% LIKELY OF BEING REALIZED ON EXAMINATION. FOR TAX POSITIONS NOT MEETING THE MORE LIKELY THAN NOT TEST, NO TAX BENEFIT IS RECORDED. THE TRUST RECOGNIZES INTEREST AND PENALTIES RELATED TO UNRECOGNIZED TAX BENEFITS AND INCLUDES THESE IN INTEREST AND INCOME TAX EXPENSE. THE TRUST HAS NO AMOUNTS ACCRUED FOR INTEREST AND PENALTIES AS OF DECEMBER 31, 2011 AND 2010. THE TRUST DOES NOT EXPECT THE TOTAL AMOUNT OF UNRECOGNIZED TAX BENEFITS TO SIGNIFICANTLY CHANGE OVER THE NEXT 12 MONTHS. THE TRUST IS NO LONGER SUBJECT TO EXAMINATION BY TAXING AUTHORITIES FOR YEARS BEFORE 2008. |
| IRS990ScheduleD/Form990ScheduleDPartXIV/Identifier | 0 | Explanation of escrow agreement |
| IRS990ScheduleD/Form990ScheduleDPartXIV/Identifier | 1 | FIN 48 (ASC 740) footnote |
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| IRS990ScheduleO/GeneralExplanation/Explanation | 0 | THE FORM 990 IS COMPILED BY OUR INDEPENDENT ACCOUNTING FIRM, CROWE HORWATH LLP, AND IS REVIEWED BY MANAGEMENT PRIOR TO FILING WITH THE IRS. |
| IRS990ScheduleO/GeneralExplanation/Explanation | 1 | CONFLICT OF INTEREST STATEMENTS ARE SENT TO ALL BOARD MEMBERS TO COMPLETE. THESE STATEMENTS ARE REVIEWED BY THE CEO OF MEBS, AND HE DETERMINES WHETHER AN ACTUAL OR POTENTIAL CONFLICT OF INTEREST EXISTS, AND WHAT THE APPROPRIATE ACTION TO TAKE IS IN CONSULTATION WITH THE BOARD CHAIR OR BOARD MEMBERS AS APPROPRIATE. |
| IRS990ScheduleO/GeneralExplanation/Explanation | 2 | THE ORGANIZATION DOES NOT HAVE A COMPENSATED TOP MANAGEMENT OFFICIAL; THEREFORE THIS QUESTION DOES NOT APPLY AND HAS BEEN ANSWERED "NO" IN ACCORDANCE WITH THE FORM 990 INSTRUCTIONS. |
| IRS990ScheduleO/GeneralExplanation/Explanation | 3 | THE ORGANIZATION DOES NOT HAVE COMPENSATED OFFICERS OR OTHER EMPLOYEES; THEREFORE THIS QUESTIONS DOES NOT APPLY AND HAS BEEN ANSWERED "NO" IN ACCORDANCE WITH THE FORM 990 INSTRUCTIONS. |
| IRS990ScheduleO/GeneralExplanation/Explanation | 4 | THE ORGANIZATION'S GOVERNING DOCUMENTS AND FINANCIAL STATEMENTS ARE AVAILABLE TO BE VIEWED BY THE PUBLIC VIA A WRITTEN REQUEST TO MEMBA'S LEGAL COUNSEL TO SET UP AN APPOINTMENT. |
| IRS990ScheduleO/GeneralExplanation/Explanation | 5 | THE TRUSTEES OF CONSOLIDATED BENEFIT TRUST (CBT) SERVE WITHOUT COMPENSATION FROM CBT, BUT ARE COMPENSATED AS EMPLOYEES OF THE CBT'S "SPONSORING ORGANIZATIONS." |
| IRS990ScheduleO/GeneralExplanation/Identifier | 0 | Review of form 990 by governing body |
| IRS990ScheduleO/GeneralExplanation/Identifier | 1 | Conflict of interest policy |
| IRS990ScheduleO/GeneralExplanation/Identifier | 2 | PROCESS USED TO ESTABLISH COMPENSATION OF TOP MANAGEMENT OFFICIAL |
| IRS990ScheduleO/GeneralExplanation/Identifier | 3 | PROCESS USED TO ESTABLISH COMPENSATION OF OTHER OFFICERS OR KEY EMPLOYEES |
| IRS990ScheduleO/GeneralExplanation/Identifier | 4 | Governing documents, conflict of interest policy and financial statements available to the public |
| IRS990ScheduleO/GeneralExplanation/Identifier | 5 | OFFICERS, DIRECTORS, TRUSTEES, KEY EMPLOYEES, AND HIGHEST COMPENSATED EMPLOYEES |
| IRS990ScheduleO/GeneralExplanation/ReturnReference | 0 | Form 990, Part VI, Section B, Line 11b |
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| IRS990ScheduleO/GeneralExplanation/ReturnReference | 3 | FORM 990, PART VI, LINE 15B |
| IRS990ScheduleO/GeneralExplanation/ReturnReference | 4 | Form 990, Part VI, Section C, Line 19 |
| IRS990ScheduleO/GeneralExplanation/ReturnReference | 5 | FORM 990, PART VII, SECTION A, LINE 1A |
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| IRS990ScheduleR/Form990ScheduleRPartII/NameOfDisregardedEntity/BusinessNameLine1 | 1 | MICHIGAN STATE AFL-CIO PUBLIC EMPLOYEES HEALTH AND WELFARE TRUST BUILDING C |
| IRS990ScheduleR/Form990ScheduleRPartII/NameOfDisregardedEntity/BusinessNameLine2 | 0 | ORPORATION |
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| IRS990ScheduleR/Form990ScheduleRPartII/PrimaryActivities | 1 | TITLE HOLDING COMPANY |
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| IRS990ScheduleR/Form990ScheduleRPartII/PublicCharityStatus | 1 | N/A |
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| IRS990ScheduleR/PurchaseOfAssetsFromOtherOrg | 0 | false |
| IRS990ScheduleR/ReceiptOfIntAnnRentsRoyalties | 0 | false |
| IRS990ScheduleR/ReimbursementPaidByOtherOrg | 0 | false |
| IRS990ScheduleR/ReimbursementPaidToOtherOrg | 0 | false |
| IRS990ScheduleR/RentalOfFacilitiesFrOtherOrgs | 0 | false |
| IRS990ScheduleR/RentalOfFacilitiesToOtherOrgs | 0 | false |
| IRS990ScheduleR/SaleOfAssetsToOtherOrg | 0 | false |
| IRS990ScheduleR/SharingOfFacilities | 0 | true |
| IRS990ScheduleR/SharingOfPaidEmployees | 0 | false |
| IRS990/School | 0 | false |
| IRS990/SignificantChange | 0 | false |
| IRS990/SignificantNewProgramServices | 0 | false |
| IRS990/StateLegalDomicile | 0 | MI |
| IRS990/StatesWhereCopyOfReturnIsFiled | 0 | MI |
| IRS990/TaxablePartyNotification | 0 | false |
| IRS990/TaxExemptBonds | 0 | false |
| IRS990/Terminated | 0 | false |
| IRS990/TermOrPermanentEndowments | 0 | false |
| IRS990/TheBooksAreInCareOf/AddressUS/AddressLine1 | 0 | 3809 Lake Eastbrook Boulevard |
| IRS990/TheBooksAreInCareOf/AddressUS/City | 0 | Grand Rapids |
| IRS990/TheBooksAreInCareOf/AddressUS/State | 0 | MI |
| IRS990/TheBooksAreInCareOf/AddressUS/ZIPCode | 0 | 49546 |
| IRS990/TheBooksAreInCareOf/NameBusiness/BusinessNameLine1 | 0 | Michelle Mogg |
| IRS990/TheBooksAreInCareOf/TelephoneNumber | 0 | 6164433732 |
| IRS990/TotalAssets/BOY | 0 | 648909 |
| IRS990/TotalAssetsBOY | 0 | 648909 |
| IRS990/TotalAssets/EOY | 0 | 1030897 |
| IRS990/TotalAssetsEOY | 0 | 1030897 |
| IRS990/TotalCompGT150K | 0 | false |
| IRS990/TotalContributions | 0 | 0 |
| IRS990/TotalExpensesCurrentYear | 0 | 9227416 |
| IRS990/TotalExpensesPriorYear | 0 | 13807106 |
| IRS990/TotalFunctionalExpenses/Fundraising | 0 | 0 |
| IRS990/TotalFunctionalExpenses/ManagementAndGeneral | 0 | 0 |
| IRS990/TotalFunctionalExpenses/ProgramServices | 0 | 0 |
| IRS990/TotalFunctionalExpenses/Total | 0 | 9227416 |
| IRS990/TotalFundrsngExpCurrentYear | 0 | 0 |
| IRS990/TotalGrossUBI | 0 | 0 |
| IRS990/TotalLiabilities/BOY | 0 | 3089302 |
| IRS990/TotalLiabilitiesBOY | 0 | 3089302 |
| IRS990/TotalLiabilities/EOY | 0 | 3040303 |
| IRS990/TotalLiabilitiesEOY | 0 | 3040303 |
| IRS990/TotalLiabNetAssetsFundBalances/BOY | 0 | 648909 |
| IRS990/TotalLiabNetAssetsFundBalances/EOY | 0 | 1030897 |
| IRS990/TotalNbrEmployees | 0 | 0 |
| IRS990/TotalNbrVolunteers | 0 | 0 |
| IRS990/TotalNetAssetsFundBalances/BOY | 0 | -2440393 |
| IRS990/TotalNetAssetsFundBalances/EOY | 0 | -2009406 |
| IRS990/TotalOtherCompensation | 0 | 0 |
| IRS990/TotalOtherRevenue | 0 | 0 |
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| IRS990/TotalOthProgramServiceRevenue/RelatedOrExemptFunctionIncome | 0 | 0 |
| IRS990/TotalOthProgramServiceRevenue/TotalRevenueColumn | 0 | 0 |
| IRS990/TotalOthProgramServiceRevenue/UnrelatedBusinessRevenue | 0 | 0 |
| IRS990/TotalProfFundrsngExpCY | 0 | 0 |
| IRS990/TotalProfFundrsngExpPriorYear | 0 | 0 |
| IRS990/TotalProgramServiceRevenue | 0 | 9658403 |
| IRS990/TotalReportableCompFrmRltdOrgs | 0 | 0 |
| IRS990/TotalReportableCompFromOrg | 0 | 0 |
| IRS990/TotalRevenueCurrentYear | 0 | 9658403 |
| IRS990/TotalRevenue/ExclusionAmount | 0 | 0 |
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| IRS990/TransactionRelatedEntity | 0 | false |
| IRS990/TypeOfOrganizationCorporation | 0 | X |
| IRS990/UnrelatedBusinessIncome | 0 | false |
| IRS990/UponRequest | 0 | X |
| IRS990/WebSite | 0 | N/A |
| IRS990/WhistleblowerPolicy | 0 | false |
| IRS990/YearFormation | 0 | 2008 |
| ReturnHeader/BuildTS | 0 | 2016-02-24 21:20:13Z |
| ReturnHeader/Filer/EIN | 0 | 262262308 |
| ReturnHeader/Filer/Name/BusinessNameLine1 | 0 | CONSOLIDATED BENEFIT TRUST |
| ReturnHeader/Filer/NameControl | 0 | CONS |
| ReturnHeader/Filer/Phone | 0 | 6164606205 |
| ReturnHeader/Filer/USAddress/AddressLine1 | 0 | 3809 Lake Eastbrook Boulevard |
| ReturnHeader/Filer/USAddress/City | 0 | Grand Rapids |
| ReturnHeader/Filer/USAddress/State | 0 | MI |
| ReturnHeader/Filer/USAddress/ZIPCode | 0 | 49546 |
| ReturnHeader/Officer/AuthorizeThirdParty | 0 | true |
| ReturnHeader/Officer/DateSigned | 0 | 2012-11-13 |
| ReturnHeader/Officer/Name | 0 | THOMAS J BUTLER MEBS |
| ReturnHeader/Officer/Title | 0 | CFO |
| ReturnHeader/PreparerFirm/PreparerFirmBusinessName/BusinessNameLine1 | 0 | CROWE HORWATH LLP |
| ReturnHeader/PreparerFirm/PreparerFirmUSAddress/AddressLine1 | 0 | 70 West Madison Street |
| ReturnHeader/PreparerFirm/PreparerFirmUSAddress/AddressLine2 | 0 | Suite 700 |
| ReturnHeader/PreparerFirm/PreparerFirmUSAddress/City | 0 | Chicago |
| ReturnHeader/PreparerFirm/PreparerFirmUSAddress/State | 0 | IL |
| ReturnHeader/PreparerFirm/PreparerFirmUSAddress/ZIPCode | 0 | 606024903 |
| ReturnHeader/Preparer/Name | 0 | John Woodhull |
| ReturnHeader/Preparer/Phone | 0 | 3128997000 |
| ReturnHeader/ReturnType | 0 | 990 |
| ReturnHeader/TaxPeriodBeginDate | 0 | 2011-01-01 |
| ReturnHeader/TaxPeriodEndDate | 0 | 2011-12-31 |
| ReturnHeader/TaxYear | 0 | 2011 |
| ReturnHeader/Timestamp | 0 | 2012-11-13T17:00:35-06:00 |
Document Assets
No mirrored PDF or thumbnail assets are attached yet.
Filings
Displayed year
2011 • Form 990Facts available. Structured filing facts are available, but richer extracted sections are limited.
- Assets
- $1,030,897
- Liabilities
- $3,040,303
- Net assets
- -$2,009,406
- Revenue
- -
- Expenses
- $9,227,416
- Net income
- -