Civic Intelligence

Toledo Firefighters Local 92 Health and Welfare Plan

990 • Fiscal year 2017 • EIN 34-1271428

Jan 01, 2017 to Dec 31, 2017 • Filed on Nov 02, 2018

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

71st percentile

0.20x

Higher debt load relative to assets than 71% of similar nonprofits.

2017 filings • 501(c)9 • $10M-$25M nonprofits • Source year 2017

Liabilities / Revenue

69th percentile

0.11x

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

2017 filings • 501(c)9 • $10M-$25M nonprofits • Source year 2017

Net Margin

15th percentile

-10.0%

Higher net margin than 15% of similar nonprofits.

2017 filings • 501(c)9 • $10M-$25M nonprofits • Source year 2017

Top Officer Pay

61st percentile

$22,061

Higher top officer pay than 61% of similar nonprofits.

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

2017 filings • 501(c)9 • $10M-$25M nonprofits • Source year 2017

Asset Growth

12th percentile

-12%

Faster asset growth than 12% of similar nonprofits.

2017 filings • 501(c)9 • $10M-$25M nonprofits • Annualized from 2016 to 2017

Revenue Growth

18th percentile

-6.6%

Faster revenue growth than 18% of similar nonprofits.

2017 filings • 501(c)9 • $10M-$25M nonprofits • Annualized from 2016 to 2017

Balance Sheet
Liabilities / Assets71st percentile

Assets

Down

$4,057,906

Down $571,815 (-12%) from 2016

Net Assets

Down

$3,252,641

Down $488,285 (-13%) from 2016

Liabilities

Down

$805,265

Down $83,530 (-9.4%) from 2016

Revenue And Expenses
Liabilities / Revenue69th percentileNet Margin15th percentile

Revenue

Down

$7,058,875

Down $498,419 (-6.6%) from 2016

Expenses

Down

$7,763,503

Down $325,453 (-4.0%) from 2016

Net Income

Down

-$704,628

Down $172,966 (-33%) from 2016

Historical Trend

Balance Sheet Trend

Asset Growth12th 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

2017

Assets$4,057,906
Liabilities$805,265
Net Assets$3,252,641
Open 2017 Filing

Operations Trend

Revenue Growth18th 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

2017

Revenue$7,058,875
Expenses$7,763,503
Net Income-$704,628
Open 2017 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2017 to Dec 31, 2017
Signed
Nov 2, 2018
Return Version
2017v2.3
Gross Receipts
$16,374,653
Mission and Program Overview

Mission

Provide health benefits to members.

Balance Sheet Detail
LineBeginningEndChange
Assets
Investments in Publicly Traded Securities$4,065,078$3,324,867▼ $740,211
Rtn Earn Endowment Incm Other Fnds$3,740,926$3,252,641▼ $488,285
Cash and Non-Interest-Bearing Accounts$41,315$22,384▼ $18,931
Land, Buildings, and Equipment, Net$27,137$20,744▼ $6,393
Prepaid Expenses and Deferred Charges$41,577$11,378▼ $30,199
Accounts Receivable$2,958$1,426▼ $1,532
Total Assets$4,629,721$4,057,906▼ $571,815
Other Assets Total$451,656$677,107▲ $225,451
Liabilities
Other Liabilities$795,411$718,312▼ $77,099
Accounts Payable and Accrued Expenses$93,384$86,953▼ $6,431
Total Liabilities$888,795$805,265▼ $83,530
Net Assets / Fund Balance
Total Net Assets Fund Balance$3,740,926$3,252,641▼ $488,285
Total Liabilities and Net Assets / Fund Balance$4,629,721$4,057,906▼ $571,815

Asset Categories

AssetBook ValueDepreciationBasis
Other Land Buildings$20,744$367,519$388,263
Other Assets Org$6,756--
Compensation and Service Providers
Top Officer Pay61st percentile

Employees

NameTitleFull / Part TimeBaseTotal
Susan M CervantesAdministratoFT$22,061$22,061

Board Members and Trustees

NameTitle
Michael RomstadtChairman
Jeff KoenigsekerPresident
Angela MagersBoard Member
Bob ThomasBoard Member
Clarence a Espen JrBoard Member
Jerry BooseBoard Member
Kriston AllenBoard Member
Michael CalabreseBoard Member
Robert PawlickiBoard Member
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$6,766,885
Investment Income
$289,052
Other Revenue
$2,938
Change in Net Assets
$-704,628

Audited Revenue Reconciliation

Revenue per Audited Statements
$7,058,875
Revenue Not Reported on Form 990
$216,343
Total Revenue per Audited Statements
$7,275,218
Total Revenue per Form 990
$7,058,875
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$380,784
Salaries, Compensation, and Employee Benefits$122,880
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Benefits to Members$7,259,839--$7,259,839
Other Salaries and Wages-$88,986-$88,986
All Other Expenses-$40,619-$40,619
Current Officers, Directors, Trustees, and Key Employees-$22,061-$22,061
Fees for Services Accounting-$20,605-$20,605
Other Expenses-$18,246-$18,246
Fees for Services Legal-$13,989-$13,989
Depreciation Depletion-$12,671-$12,671
Payroll Taxes-$9,155-$9,155
Occupancy-$8,700-$8,700
Other Employee Benefits-$2,678-$2,678
Total Functional Expenses$7,259,839$503,664$0$7,763,503

Audited Expense Reconciliation

Line ItemAmount
Expenses per Audited Statements$7,763,503
Total Expenses per Audited Statements$7,763,503
Total Expenses per Form 990$7,763,503
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$445,607
Claims Payable$272,705
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
2018-11-02

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/PYRevenuesLessExpensesAmt0-531662
IRS990/PYSalariesCompEmpBnftPaidAmt0116625
IRS990/PYTotalExpensesAmt08088956
IRS990/PYTotalRevenueAmt07557294
IRS990/ReconcilationRevenueExpnssAmt0-704628
IRS990/RelatedEntityInd0false
IRS990/RelatedOrganizationCtrlEntInd0false
IRS990/ReportInvestmentsOtherSecInd0false
IRS990/ReportLandBuildingEquipmentInd0true
IRS990/ReportOtherAssetsInd0true
IRS990/ReportOtherLiabilitiesInd0true
IRS990/ReportProgramRelatedInvstInd0false
IRS990/RevenueAmt06766885
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt03740926
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt03252641
IRS990/ScheduleBRequiredInd0false
IRS990ScheduleD/ExpensesSubtotalAmt07763503
IRS990ScheduleD/NetUnrealizedGainsInvstAmt0216343
IRS990ScheduleD/OtherAssetsOrgGrp/BookValueAmt0670351
IRS990ScheduleD/OtherAssetsOrgGrp/BookValueAmt16756
IRS990ScheduleD/OtherAssetsOrgGrp/Desc0STOP - LOSS RECEIVABLE
IRS990ScheduleD/OtherAssetsOrgGrp/Desc1ACCRUED INTEREST RECEIVABLE
IRS990ScheduleD/OtherLandBuildingsGrp/BookValueAmt020744
IRS990ScheduleD/OtherLandBuildingsGrp/DepreciationAmt0367519
IRS990ScheduleD/OtherLandBuildingsGrp/OtherCostOrOtherBasisAmt0388263
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt0445607
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt1272705
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0CLAIMS IBNR
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc1CLAIMS PAYABLE
IRS990ScheduleD/RevenueNotReportedAmt0216343
IRS990ScheduleD/RevenueSubtotalAmt07058875
IRS990ScheduleD/TotalBookValueLandBuildingsAmt020744
IRS990ScheduleD/TotalBookValueOtherAssetsAmt0677107
IRS990ScheduleD/TotalExpensesPerForm990Amt07763503
IRS990ScheduleD/TotalLiabilityAmt0718312
IRS990ScheduleD/TotalRevenuePerForm990Amt07058875
IRS990ScheduleD/TotalRevEtcAuditedFinclStmtAmt07275218
IRS990ScheduleD/TotExpnsEtcAuditedFinclStmtAmt07763503
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/TotalAssetsBOYAmt04629721
IRS990/TotalAssetsEOYAmt04057906
IRS990/TotalAssetsGrp/BOYAmt04629721
IRS990/TotalAssetsGrp/EOYAmt04057906
IRS990/TotalCompGreaterThan150KInd0false
IRS990/TotalEmployeeCnt04
IRS990/TotalFunctionalExpensesGrp/FundraisingAmt00
IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt0503664
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt07259839
IRS990/TotalFunctionalExpensesGrp/TotalAmt07763503
IRS990/TotalGrossUBIAmt00
IRS990/TotalLiabilitiesBOYAmt0888795
IRS990/TotalLiabilitiesEOYAmt0805265
IRS990/TotalLiabilitiesGrp/BOYAmt0888795
IRS990/TotalLiabilitiesGrp/EOYAmt0805265
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt03740926
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt03252641
IRS990/TotalProgramServiceExpensesAmt07259839
IRS990/TotalProgramServiceRevenueAmt06766885
IRS990/TotalReportableCompFromOrgAmt022061
IRS990/TotalRevenueGrp/ExclusionAmt0117214
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt06941661
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt07058875
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt04629721
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt04057906
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/BuildTS02019-02-21 02:37:17Z
ReturnHeader/BusinessOfficerGrp/PersonNm0SUSAN M CERVANTES
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0ADMINISTRATOR
ReturnHeader/BusinessOfficerGrp/SignatureDt02018-11-02
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/AtSubmissionCreationDeviceId0D8F5EDE37B471C6B1B896CA10D3CF585C6E4EFF5
ReturnHeader/FilingSecurityInformation/AtSubmissionFilingDeviceId0A6301EE0F0C490B31AF116925FF55A969817EE09
ReturnHeader/FilingSecurityInformation/FilingLicenseTypeCd0P
ReturnHeader/FilingSecurityInformation/IPAddress/IPv4AddressTxt072.240.32.34
ReturnHeader/FilingSecurityInformation/IPDt02018-11-07
ReturnHeader/FilingSecurityInformation/IPTimezoneCd0CS
ReturnHeader/FilingSecurityInformation/IPTm014:13:26
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/PreparationDt02018-11-02
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0E THOMAS TITUS CPA
ReturnHeader/ReturnTs02018-11-07T15:13:26-05:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02017-01-01
ReturnHeader/TaxPeriodEndDt02017-12-31
ReturnHeader/TaxYr02017

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

Displayed year

2017 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$4,057,906
Liabilities
$805,265
Net assets
$3,252,641
Revenue
$7,058,875
Expenses
$7,763,503
Net income
-$704,628
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
2017Detailed filing. Detailed filing data is available for this year.$4.06$0.81$3.25$7.06$7.76$0.70
2016Facts available. Structured filing facts are available, but richer extracted sections are limited.$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
Peer Organizations

Similar nonprofits based on the same Siviq industry and scale cohort. 2017 filings • 501(c)9 • $10M-$25M nonprofits