Civic Intelligence

Toledo Firefighters Local 92 Health and Welfare Plan

990 • Fiscal year 2016 • EIN 34-1271428

Jan 01, 2016 to Dec 31, 2016 • Filed on Oct 30, 2017

Organization ProfileN/A
714 Washington StreetToledo, OH 43604

(419) 255-5314

Siviq Scores

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

Liabilities / Assets

70th percentile

0.19x

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

2016 filings • 501(c)9 • $10M-$25M nonprofits • Source year 2016

Liabilities / Revenue

69th percentile

0.12x

Higher debt load relative to revenue than 69% of similar nonprofits.

2016 filings • 501(c)9 • $10M-$25M nonprofits • Source year 2016

Net Margin

21st percentile

-7.0%

Higher net margin than 21% of similar nonprofits.

2016 filings • 501(c)9 • $10M-$25M nonprofits • Source year 2016

Top Officer Pay

60th percentile

$22,831

Higher top officer pay than 60% of similar nonprofits.

Top officer pay equals 0.3% of source-year revenue.

2016 filings • 501(c)9 • $10M-$25M nonprofits • Source year 2016

Asset Growth

27th percentile

-3.3%

Faster asset growth than 27% of similar nonprofits.

2016 filings • 501(c)9 • $10M-$25M nonprofits • Annualized from 2015 to 2016

Revenue Growth

82nd percentile

18%

Faster revenue growth than 82% of similar nonprofits.

2016 filings • 501(c)9 • $10M-$25M nonprofits • Annualized from 2015 to 2016

Balance Sheet
Liabilities / Assets70th percentile

Assets

Down

$4,629,721

Down $157,577 (-3.3%) from 2015

Net Assets

Down

$3,740,926

Down $445,454 (-11%) from 2015

Liabilities

Up

$888,795

Up $287,877 (+48%) from 2015

Revenue And Expenses
Liabilities / Revenue69th percentileNet Margin21st percentile

Revenue

Up

$7,557,294

Up $1,163,946 (+18%) from 2015

Expenses

Up

$8,088,956

Up $1,510,152 (+23%) from 2015

Net Income

Down

-$531,662

Down $346,206 (-187%) from 2015

Historical Trend

Balance Sheet Trend

Asset Growth27th percentile

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

$20M$15M$10M$5.0M$0Assets 2010: $5,651,198Liabilities 2010: $676,809Net Assets 2010: $4,974,3892010Assets 2011: $5,614,464Liabilities 2011: $1,003,173Net Assets 2011: $4,611,2912011Assets 2012: $4,246,185Liabilities 2012: $416,481Net Assets 2012: $3,829,7042012Assets 2013: $5,289,951Liabilities 2013: $574,770Net Assets 2013: $4,715,1812013Assets 2014: $5,041,747Liabilities 2014: $504,033Net Assets 2014: $4,537,7142014Assets 2015: $4,787,298Liabilities 2015: $600,918Net Assets 2015: $4,186,3802015Assets 2016: $4,629,721Liabilities 2016: $888,795Net Assets 2016: $3,740,9262016Assets 2017: $4,057,906Liabilities 2017: $805,265Net Assets 2017: $3,252,6412017Assets 2018: $3,141,585Liabilities 2018: $978,036Net Assets 2018: $2,163,5492018Assets 2019: $4,156,222Liabilities 2019: $1,274,170Net Assets 2019: $2,882,0522019Assets 2020: $6,389,021Liabilities 2020: $529,742Net Assets 2020: $5,859,2792020Assets 2021: $8,389,913Liabilities 2021: $578,169Net Assets 2021: $7,811,7442021Assets 2022: $10,047,848Liabilities 2022: $649,517Net Assets 2022: $9,398,3312022Assets 2023: $12,445,636Liabilities 2023: $1,035,112Net Assets 2023: $11,410,5242023Assets 2024: $14,104,255Liabilities 2024: $1,332,984Net Assets 2024: $12,771,2712024Assets 2025: $16,953,408Liabilities 2025: $1,144,607Net Assets 2025: $15,808,8012025

Highlighted filing

2016

Assets$4,629,721
Liabilities$888,795
Net Assets$3,740,926
Open 2016 Filing

Operations Trend

Revenue Growth82nd percentile

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

$15M$10M$5.0M$0-$5.0MExpenses 2010: $5,741,5552010Expenses 2011: $6,057,9032011Expenses 2012: $6,194,8132012Revenue 2013: $5,871,680Expenses 2013: $5,150,900Net Income 2013: $720,7802013Revenue 2014: $5,810,833Expenses 2014: $6,038,638Net Income 2014: -$227,8052014Revenue 2015: $6,393,348Expenses 2015: $6,578,804Net Income 2015: -$185,4562015Revenue 2016: $7,557,294Expenses 2016: $8,088,956Net Income 2016: -$531,6622016Revenue 2017: $7,058,875Expenses 2017: $7,763,503Net Income 2017: -$704,6282017Revenue 2018: $8,144,066Expenses 2018: $9,101,326Net Income 2018: -$957,2602018Revenue 2019: $9,183,548Expenses 2019: $8,729,621Net Income 2019: $453,9272019Revenue 2020: $8,894,883Expenses 2020: $6,275,902Net Income 2020: $2,618,9812020Revenue 2021: $8,995,774Expenses 2021: $6,872,732Net Income 2021: $2,123,0422021Revenue 2022: $9,868,401Expenses 2022: $7,299,852Net Income 2022: $2,568,5492022Revenue 2023: $10,059,612Expenses 2023: $8,701,752Net Income 2023: $1,357,8602023Revenue 2024: $10,558,193Expenses 2024: $9,655,568Net Income 2024: $902,6252024Revenue 2025: $11,911,906Expenses 2025: $9,713,736Net Income 2025: $2,198,1702025

Highlighted filing

2016

Revenue$7,557,294
Expenses$8,088,956
Net Income-$531,662
Open 2016 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2016 to Dec 31, 2016
Signed
Oct 30, 2017
Return Version
2016v3.0
Gross Receipts
$16,308,726
Mission and Program Overview

Mission

Provide health benefits to members.

Balance Sheet Detail
LineBeginningEndChange
Assets
Investments in Publicly Traded Securities$4,433,609$4,065,078▼ $368,531
Rtn Earn Endowment Incm Other Fnds$4,186,380$3,740,926▼ $445,454
Prepaid Expenses and Deferred Charges$41,435$41,577▲ $142
Cash and Non-Interest-Bearing Accounts$100,015$41,315▼ $58,700
Land, Buildings, and Equipment, Net$22,423$27,137▲ $4,714
Accounts Receivable-$2,958-
Total Assets$4,787,298$4,629,721▼ $157,577
Other Assets Total$189,816$451,656▲ $261,840
Liabilities
Other Liabilities$555,700$795,411▲ $239,711
Accounts Payable and Accrued Expenses$45,218$93,384▲ $48,166
Total Liabilities$600,918$888,795▲ $287,877
Net Assets / Fund Balance
Total Net Assets Fund Balance$4,186,380$3,740,926▼ $445,454
Total Liabilities and Net Assets / Fund Balance$4,787,298$4,629,721▼ $157,577

Asset Categories

AssetBook ValueDepreciationBasis
Other Land Buildings$27,137$354,848$381,985
Other Assets Org$5,382--
Compensation and Service Providers
Top Officer Pay60th percentile

Employees

NameTitleFull / Part TimeBaseTotal
Susan M CervantesAdministratoFT$22,831$22,831

Board Members and Trustees

NameTitle
Michael RomstadtChairman
Angie MagersBoard Member
Bob ThomasBoard Member
Clarence a Espen JrBoard Member
Holly BennettBoard Member
Jeff KoenigsekerBoard Member
Jerry BooseBoard Member
Michael CalabreseBoard Member
Robert PawlickiBoard Member
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$7,411,365
Investment Income
$127,738
Other Revenue
$18,191
Change in Net Assets
$-531,662

Audited Revenue Reconciliation

Revenue per Audited Statements
$7,557,294
Revenue Not Reported on Form 990
$86,208
Total Revenue per Audited Statements
$7,643,502
Total Revenue per Form 990
$7,557,294
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$337,721
Salaries, Compensation, and Employee Benefits$116,625
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Benefits to Members$7,634,610--$7,634,610
Other Salaries and Wages-$82,666-$82,666
All Other Expenses-$41,721-$41,721
Depreciation Depletion-$27,595-$27,595
Current Officers, Directors, Trustees, and Key Employees-$22,831-$22,831
Fees for Services Legal-$21,208-$21,208
Fees for Services Accounting-$20,576-$20,576
Other Expenses-$19,318-$19,318
Occupancy-$8,700-$8,700
Payroll Taxes-$8,383-$8,383
Other Employee Benefits-$2,745-$2,745
Total Functional Expenses$7,634,610$454,346$0$8,088,956

Audited Expense Reconciliation

Line ItemAmount
Expenses per Audited Statements$8,088,956
Total Expenses per Audited Statements$8,088,956
Total Expenses per Form 990$8,088,956
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 Ibnr$511,575
Claims Payable$283,836
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
Yes
Other officer compensation reviewed
Yes
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, Page 6, Part VI, Line 11B

“No review was or will be conducted.”

Form 990, Page 6, Part VI, Line 15A

“Trustee's compensation was approved by board”

Form 990, Page 6, Part VI, Line 15B

“Administrator's compensation was approved by board”

Form 990, Page 6, Part VI, Line 19

“UPON REQUEST”

Filing and Contact Details

Filer

Filer Name
Toledo Firefighters Local 92
EIN
34-1271428
Address
714 WASHINGTON STREET, TOLEDO, OH 43604

Signing Officer

Name
Susan M Cervantes
Title
Administrator
Signed
2017-10-30

Organization Details

Principal Officer
Susan M Cervantes
Voting Board Members
9
Independent Board Members
9
Employees
4

Preparer

Firm
Hantz Titus Urbanski LLC
Address
1540 S HOLLAND-SYLVANIA RD, MAUMEE, OH 43537
Preparer
E Thomas Titus CPA
Phone
4198666000
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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/PYTotalExpensesAmt06578804
IRS990/PYTotalRevenueAmt06393348
IRS990/ReconcilationRevenueExpnssAmt0-531662
IRS990/RelatedEntityInd0false
IRS990/RelatedOrganizationCtrlEntInd0false
IRS990/ReportInvestmentsOtherSecInd0false
IRS990/ReportLandBuildingEquipmentInd0true
IRS990/ReportOtherAssetsInd0true
IRS990/ReportOtherLiabilitiesInd0true
IRS990/ReportProgramRelatedInvstInd0false
IRS990/RevenueAmt07411365
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt04186380
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt03740926
IRS990/ScheduleBRequiredInd0false
IRS990ScheduleD/ExpensesSubtotalAmt08088956
IRS990ScheduleD/NetUnrealizedGainsInvstAmt086208
IRS990ScheduleD/OtherAssetsOrgGrp/BookValueAmt0446274
IRS990ScheduleD/OtherAssetsOrgGrp/BookValueAmt15382
IRS990ScheduleD/OtherAssetsOrgGrp/Desc0STOP - LOSS RECEIVABLE
IRS990ScheduleD/OtherAssetsOrgGrp/Desc1ACCRUED INTEREST RECEIVABLE
IRS990ScheduleD/OtherLandBuildingsGrp/BookValueAmt027137
IRS990ScheduleD/OtherLandBuildingsGrp/DepreciationAmt0354848
IRS990ScheduleD/OtherLandBuildingsGrp/OtherCostOrOtherBasisAmt0381985
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt0511575
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt1283836
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0CLAIMS IBNR
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc1CLAIMS PAYABLE
IRS990ScheduleD/RevenueNotReportedAmt086208
IRS990ScheduleD/RevenueSubtotalAmt07557294
IRS990ScheduleD/TotalBookValueLandBuildingsAmt027137
IRS990ScheduleD/TotalBookValueOtherAssetsAmt0451656
IRS990ScheduleD/TotalExpensesPerForm990Amt08088956
IRS990ScheduleD/TotalLiabilityAmt0795411
IRS990ScheduleD/TotalRevenuePerForm990Amt07557294
IRS990ScheduleD/TotalRevEtcAuditedFinclStmtAmt07643502
IRS990ScheduleD/TotExpnsEtcAuditedFinclStmtAmt08088956
IRS990/ScheduleJRequiredInd0false
IRS990/ScheduleORequiredInd0false
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0NO REVIEW WAS OR WILL BE CONDUCTED.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1TRUSTEE'S COMPENSATION WAS APPROVED BY BOARD
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2ADMINISTRATOR'S COMPENSATION WAS APPROVED BY BOARD
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3UPON REQUEST
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0FORM 990, PAGE 6, PART VI, LINE 11B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1FORM 990, PAGE 6, PART VI, LINE 15A
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2FORM 990, PAGE 6, PART VI, LINE 15B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3FORM 990, PAGE 6, PART VI, LINE 19
IRS990/SchoolOperatingInd0false
IRS990/SignificantChangeInd0false
IRS990/SignificantNewProgramSrvcInd0false
IRS990/SubjectToProxyTaxInd0false
IRS990/TaxablePartyNotificationInd0false
IRS990/TaxExemptBondsInd0false
IRS990/TempOrPermanentEndowmentsInd0false
IRS990/TerminateOperationsInd0false
IRS990/TotalAssetsBOYAmt04787298
IRS990/TotalAssetsEOYAmt04629721
IRS990/TotalAssetsGrp/BOYAmt04787298
IRS990/TotalAssetsGrp/EOYAmt04629721
IRS990/TotalCompGreaterThan150KInd0false
IRS990/TotalEmployeeCnt04
IRS990/TotalFunctionalExpensesGrp/FundraisingAmt00
IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt0454346
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt07634610
IRS990/TotalFunctionalExpensesGrp/TotalAmt08088956
IRS990/TotalGrossUBIAmt00
IRS990/TotalLiabilitiesBOYAmt0600918
IRS990/TotalLiabilitiesEOYAmt0888795
IRS990/TotalLiabilitiesGrp/BOYAmt0600918
IRS990/TotalLiabilitiesGrp/EOYAmt0888795
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt04186380
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt03740926
IRS990/TotalProgramServiceExpensesAmt07634610
IRS990/TotalProgramServiceRevenueAmt07411365
IRS990/TotalReportableCompFromOrgAmt022831
IRS990/TotalRevenueGrp/ExclusionAmt0119354
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt07437940
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt07557294
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt04787298
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt04629721
IRS990/TypeOfOrganizationTrustInd0X
IRS990/UnrelatedBusIncmOverLimitInd0false
IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine1Txt0714 WASHINGTON STREET
IRS990/USAddress/CityNm0TOLEDO
IRS990/USAddress/StateAbbreviationCd0OH
IRS990/USAddress/ZIPCd043604
IRS990/VotingMembersGoverningBodyCnt09
IRS990/VotingMembersIndependentCnt09
IRS990/WebsiteAddressTxt0N/A
IRS990/WhistleblowerPolicyInd0false
ReturnHeader/BuildTS02018-03-14 21:41:22Z
ReturnHeader/BusinessOfficerGrp/PersonNm0SUSAN M CERVANTES
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0ADMINISTRATOR
ReturnHeader/BusinessOfficerGrp/SignatureDt02017-10-30
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0TOLEDO FIREFIGHTERS LOCAL 92
ReturnHeader/Filer/BusinessName/BusinessNameLine2Txt0HEALTH AND WELFARE PLAN
ReturnHeader/Filer/BusinessNameControlTxt0TOLE
ReturnHeader/Filer/EIN0341271428
ReturnHeader/Filer/USAddress/AddressLine1Txt0714 WASHINGTON STREET
ReturnHeader/Filer/USAddress/CityNm0TOLEDO
ReturnHeader/Filer/USAddress/StateAbbreviationCd0OH
ReturnHeader/Filer/USAddress/ZIPCd043604
ReturnHeader/FilingSecurityInformation/AtSubmissionCreationDeviceId05CB4B31BE5DD576EC0033246C6136164039F7F68
ReturnHeader/FilingSecurityInformation/AtSubmissionFilingDeviceId0A6301EE0F0C490B31AF116925FF55A969817EE09
ReturnHeader/PreparerFirmGrp/PreparerFirmEIN0261728858
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt0HANTZ TITUS URBANSKI LLC
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt01540 S HOLLAND-SYLVANIA RD
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm0MAUMEE
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd0OH
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCd043537
ReturnHeader/PreparerPersonGrp/PhoneNum04198666000
ReturnHeader/PreparerPersonGrp/PreparationDt02017-10-30
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0E THOMAS TITUS CPA
ReturnHeader/ReturnTs02017-11-08T14:04:24-05:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02016-01-01
ReturnHeader/TaxPeriodEndDt02016-12-31
ReturnHeader/TaxYr02016

Document Assets

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Filings

Displayed year

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

Open filing
Assets
$4,629,721
Liabilities
$888,795
Net assets
$3,740,926
Revenue
$7,557,294
Expenses
$8,088,956
Net income
-$531,662
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2025Detailed filing. Detailed filing data is available for this year.$17.0$1.14$15.8$11.9$9.71$2.20
2024XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$14.1$1.33$12.8$10.6$9.66$0.90
2023XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$12.4$1.04$11.4$10.1$8.70$1.36
2022XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$10.0$0.65$9.40$9.87$7.30$2.57
2021XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$8.39$0.58$7.81$9.00$6.87$2.12
2020XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$6.39$0.53$5.86$8.89$6.28$2.62
2019Facts available. Structured filing facts are available, but richer extracted sections are limited.$4.16$1.27$2.88$9.18$8.73$0.45
2018XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$3.14$0.98$2.16$8.14$9.10$0.96
2017Facts available. Structured filing facts are available, but richer extracted sections are limited.$4.06$0.81$3.25$7.06$7.76$0.70
2016Detailed filing. Detailed filing data is available for this year.$4.63$0.89$3.74$7.56$8.09$0.53
2015Detailed filing. Detailed filing data is available for this year.$4.79$0.60$4.19$6.39$6.58$0.19
2014Detailed filing. Detailed filing data is available for this year.$5.04$0.50$4.54$5.81$6.04$0.23
2013Detailed filing. Detailed filing data is available for this year.$5.29$0.57$4.72$5.87$5.15$0.72
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$4.25$0.42$3.83$6.19
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$5.61$1.00$4.61$6.06
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$5.65$0.68$4.97$5.74