Civic Intelligence

Union Construction Workers Health Plan

990 • Fiscal year 2014 • EIN 34-4442536

Jun 01, 2013 to May 31, 2014 • Filed on Feb 14, 2015

Organization ProfileN/A

View Organization Page

P O Box 133043528

(419) 248-2401

Siviq Scores

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

Liabilities / Assets

79th percentile

0.32x

Higher debt load relative to assets than 79% of similar nonprofits.

2014 filings • 501(c)9 • $25M-$50M nonprofits • Source year 2014

Liabilities / Revenue

95th percentile

0.73x

Higher debt load relative to revenue than 95% of similar nonprofits.

2014 filings • 501(c)9 • $25M-$50M nonprofits • Source year 2014

Net Margin

14th percentile

-8.7%

Higher net margin than 14% of similar nonprofits.

2014 filings • 501(c)9 • $25M-$50M nonprofits • Source year 2014

Top Officer Pay

43rd percentile

$0

Higher top officer pay than 43% of similar nonprofits.

Top officer pay equals 0.0% of source-year revenue.

2014 filings • 501(c)9 • $25M-$50M nonprofits • Source year 2014

Asset Growth

41st percentile

3.2%

Faster asset growth than 41% of similar nonprofits.

2014 filings • 501(c)9 • $25M-$50M nonprofits • Annualized from 2013 to 2014

Revenue Growth

Score unavailable

No value available

No earlier valid filing was available within the previous three public years.

Source year 2014

Balance Sheet
Liabilities / Assets79th percentile

Assets

Up

$47,954,637

Up $1,489,577 (+3.2%) from 2013

Net Assets

Down

$32,481,746

Down $894,418 (-2.7%) from 2013

Liabilities

Up

$15,472,891

Up $2,383,995 (+18%) from 2013

Revenue And Expenses
Liabilities / Revenue95th percentileNet Margin14th percentile

Revenue

$21,052,035

No earlier filing loaded for comparison.

Expenses

Up

$22,875,101

Up $335,098 (+1.5%) from 2013

Net Income

-$1,823,066

No earlier filing loaded for comparison.

Historical Trend

Balance Sheet Trend

Asset Growth41st percentile

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

$80M$60M$40M$20M$0Assets 2011: $39,176,553Liabilities 2011: $11,383,029Net Assets 2011: $27,793,5242011Assets 2012: $46,153,083Liabilities 2012: $12,479,324Net Assets 2012: $33,673,7592012Assets 2013: $46,465,060Liabilities 2013: $13,088,896Net Assets 2013: $33,376,1642013Assets 2014: $47,954,637Liabilities 2014: $15,472,891Net Assets 2014: $32,481,7462014Assets 2015: $47,315,609Liabilities 2015: $18,117,135Net Assets 2015: $29,198,4742015Assets 2016: $47,676,780Liabilities 2016: $19,841,339Net Assets 2016: $27,835,4412016Assets 2017: $53,153,845Liabilities 2017: $18,363,460Net Assets 2017: $34,790,3852017Assets 2020: $64,972,151Liabilities 2020: $43,706,543Net Assets 2020: $21,265,6082020Assets 2021: $66,553,570Liabilities 2021: $45,183,416Net Assets 2021: $21,370,1542021Assets 2022: $65,667,467Liabilities 2022: $48,960,765Net Assets 2022: $16,706,7022022

Highlighted filing

2014

Assets$47,954,637
Liabilities$15,472,891
Net Assets$32,481,746
Open 2014 Filing

Operations Trend

Revenue GrowthScore unavailable

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

$40M$30M$20M$10M$0-$10MExpenses 2011: $21,324,1152011Expenses 2012: $17,810,3612012Expenses 2013: $22,540,0032013Revenue 2014: $21,052,035Expenses 2014: $22,875,101Net Income 2014: -$1,823,0662014Revenue 2015: $22,127,395Expenses 2015: $25,858,173Net Income 2015: -$3,730,7782015Revenue 2016: $24,602,509Expenses 2016: $25,803,064Net Income 2016: -$1,200,5552016Revenue 2017: $27,301,693Expenses 2017: $21,506,989Net Income 2017: $5,794,7042017Revenue 2020: $33,762,691Expenses 2020: $30,843,823Net Income 2020: $2,918,8682020Revenue 2021: $30,228,125Expenses 2021: $32,765,916Net Income 2021: -$2,537,7912021Revenue 2022: $34,670,775Expenses 2022: $34,592,301Net Income 2022: $78,4742022

Highlighted filing

2014

Revenue$21,052,035
Expenses$22,875,101
Net Income-$1,823,066
Open 2014 Filing
Jump To
Filing Snapshot
Filing Period
Jun 1, 2013 to May 31, 2014
Signed
Feb 14, 2015
Return Version
2013v4.0
Gross Receipts
$42,303,595
Mission and Program Overview

Mission

The fund provides health benefits for eligible members of the construction trade unions covered by the fund.

Balance Sheet Detail
LineBeginningEndChange
Assets
Investments in Publicly Traded Securities$39,997,622$38,540,891▼ $1,456,731
Accounts Receivable$2,937,823$3,574,418▲ $636,595
Cash and Non-Interest-Bearing Accounts$1,398,353$3,351,583▲ $1,953,230
Savings and Temporary Cash Investments$1,891,554$2,241,433▲ $349,879
Total Assets$46,465,060$47,954,637▲ $1,489,577
Other Assets Total$239,708$246,312▲ $6,604
Liabilities
Other Liabilities$12,713,140$14,983,890▲ $2,270,750
Accounts Payable and Accrued Expenses$375,756$489,001▲ $113,245
Total Liabilities$13,088,896$15,472,891▲ $2,383,995
Net Assets / Fund Balance
Unrestricted Net Assets$33,376,164$32,481,746▼ $894,418
Total Net Assets Fund Balance$33,376,164$32,481,746▼ $894,418
Total Liabilities and Net Assets / Fund Balance$46,465,060$47,954,637▲ $1,489,577
Compensation and Service Providers
Top Officer Pay43rd percentile

Board Members and Trustees

NameTitle
Donald HussChairman
Brian OutlandTrustee
Brian SeegerTrustee
Greg MyersTrustee
John SchlagheckTrustee
Joseph Blaze IIITrustee
Ken GabelTrustee
Kevin SmithTrustee
Michael KujawaTrustee
James NicholsonSecretary

Highest Paid Contractors

ContractorServicesLocationCompensation
Northwestern Ohio AdministratorsAdministrative Mgr-$1,194,437
Vision Service PlanVision Insurance-$167,398
AetnaHealth Care Provider-$154,156
Shumaker Loop & KendrickAttorney-$108,129
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$19,626,221
Investment Income
$1,415,594
Other Revenue
$10,220
Change in Net Assets
$-1,823,066

Audited Revenue Reconciliation

Revenue per Audited Statements
$20,937,972
Revenue Not Reported on Financial Statements
$114,064
Revenue Not Reported on Form 990
$928,644
Total Revenue per Audited Statements
$21,866,616
Total Revenue per Form 990
$21,052,036
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$1,591,464
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
Benefits to Members$21,283,637--$21,283,637
Fees for Services Legal$108,535--$108,535
Fees for Services Accounting$42,667--$42,667
Other Expenses$32,362--$32,362
All Other Expenses$27,625--$27,625
Insurance$9,222--$9,222
Conferences and Meetings$8,655--$8,655
Total Functional Expenses$22,875,101$0$0$22,875,101

Audited Expense Reconciliation

Line ItemAmount
Total Expenses per Form 990$22,875,101
Expenses per Audited Statements$20,490,284
Total Expenses per Audited Statements$20,490,284
Expenses Not Reported on Financial Statements$2,384,817
Other Expense Adjustments$2,270,753
Expenses Not Reported on Form 990$0
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
Reserve for Extended Eligibility$11,254,890
Ibnr$3,729,000
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
Yes
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
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, Part VI, Section B, line 11

“Each trustee is provided with a copy of the Form 990 either at a Board meeting or via mail or email for their review and approval prior to the filing of the form.”

Form 990, Part VI, Section B, line 12C

“The plan administrator and attorney follow up with each trustee to ensure that each completes the annual conflict of interest disclosure.”

Form 990, Part VI, Section C, line 19

“All governing documents, policies and financial statements are available upon request to Northwestern Ohio Administrators, Inc., the plan administrator.”

Filing and Contact Details

Filer

EIN
34-4442536
Phone
4192482401

Signing Officer

Name
Donald Huss
Title
Chairman
Phone
4192482401
Signed
2015-02-14
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Brian Outland
Voting Board Members
10
Independent Board Members
10
Employees
0
Volunteers
0

Preparer

Preparer
Lee D Wunschel
Phone
4198412848
Supplemental Narrative

Financial Statement Notes

Part X, Line 2:

“The Plan has determined that there are no uncertain tax positions that require disclosure in these financial statements under the FASB Accounting Standards Codification topic, Income Taxes. The tax years 2009 through 2013 are subject to possible examination by the Internal Revenue Service.”

Part XII, Line 4B - Other Adjustments:

“Change in Estimated Future Benefits Change - Estimated Unpaid Claims Incurred”

Raw XML Appendix397 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/PersonNm4Brian Seeger
IRS990/Form990PartVIISectionAGrp/PersonNm5Ken Gabel
IRS990/Form990PartVIISectionAGrp/PersonNm6Joseph Blaze III
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IRS990/ProfessionalFundraisingInd00
IRS990/ProgramServiceRevenueGrp/Desc0Contributions
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt019626221
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt019626221
IRS990/ProhibitedTaxShelterTransInd00
IRS990/PYBenefitsPaidToMembersAmt020725228
IRS990/PYContributionsGrantsAmt00
IRS990/PYGrantsAndSimilarPaidAmt00
IRS990/PYInvestmentIncomeAmt01461227
IRS990/PYOtherExpensesAmt01814775
IRS990/PYOtherRevenueAmt012976
IRS990/PYProgramServiceRevenueAmt019651985
IRS990/PYRevenuesLessExpensesAmt0-1413815
IRS990/PYSalariesCompEmpBnftPaidAmt00
IRS990/PYTotalExpensesAmt022540003
IRS990/PYTotalProfFndrsngExpnsAmt00
IRS990/PYTotalRevenueAmt021126188
IRS990/QuidProQuoContributionsInd00
IRS990/ReconcilationRevenueExpnssAmt0-1823066
IRS990/RegularMonitoringEnfrcInd01
IRS990/RelatedEntityInd00
IRS990/RelatedOrganizationCtrlEntInd00
IRS990/ReportInvestmentsOtherSecInd00
IRS990/ReportLandBuildingEquipmentInd00
IRS990/ReportOtherAssetsInd00
IRS990/ReportOtherLiabilitiesInd01
IRS990/ReportProgramRelatedInvstInd00
IRS990/SavingsAndTempCashInvstGrp/BOYAmt01891554
IRS990/SavingsAndTempCashInvstGrp/EOYAmt02241433
IRS990/ScheduleBRequiredInd00
IRS990ScheduleD/ExpensesNotReportedAmt00
IRS990ScheduleD/ExpensesNotRptFinclStmtAmt02384817
IRS990ScheduleD/ExpensesSubtotalAmt020490284
IRS990ScheduleD/FootnoteTextInd0X
IRS990ScheduleD/InvestmentExpensesNotIncld2Amt0114064
IRS990ScheduleD/InvestmentExpensesNotIncldAmt0114064
IRS990ScheduleD/NetUnrealizedGainsInvstAmt0928644
IRS990ScheduleD/OtherExpensesNotIncludedAmt02270753
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt03729000
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt111254890
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0IBNR
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc1Reserve for Extended Eligibility
IRS990ScheduleD/RevenueNotReportedAmt0928644
IRS990ScheduleD/RevenueNotReportedFinclStmtAmt0114064
IRS990ScheduleD/RevenueSubtotalAmt020937972
IRS990ScheduleD/SupplementalInformationDetail/ExplanationTxt0The Plan has determined that there are no uncertain tax positions that require disclosure in these financial statements under the FASB Accounting Standards Codification topic, Income Taxes. The tax years 2009 through 2013 are subject to possible examination by the Internal Revenue Service.
IRS990ScheduleD/SupplementalInformationDetail/ExplanationTxt1Change in Estimated Future Benefits Change - Estimated Unpaid Claims Incurred
IRS990ScheduleD/SupplementalInformationDetail/FormAndLineReferenceDesc0Part X, Line 2:
IRS990ScheduleD/SupplementalInformationDetail/FormAndLineReferenceDesc1Part XII, Line 4b - Other Adjustments:
IRS990ScheduleD/TotalBookValueLandBuildingsAmt00
IRS990ScheduleD/TotalExpensesPerForm990Amt022875101
IRS990ScheduleD/TotalLiabilityAmt014983890
IRS990ScheduleD/TotalRevenuePerForm990Amt021052036
IRS990ScheduleD/TotalRevEtcAuditedFinclStmtAmt021866616
IRS990ScheduleD/TotExpnsEtcAuditedFinclStmtAmt020490284
IRS990/ScheduleJRequiredInd00
IRS990/ScheduleORequiredInd01
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0Each trustee is provided with a copy of the Form 990 either at a Board meeting or via mail or email for their review and approval prior to the filing of the form.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1The plan administrator and attorney follow up with each trustee to ensure that each completes the annual conflict of interest disclosure.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2All governing documents, policies and financial statements are available upon request to Northwestern Ohio Administrators, Inc., the plan administrator.
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0Form 990, Part VI, Section B, line 11
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1Form 990, Part VI, Section B, line 12c
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2Form 990, Part VI, Section C, line 19
IRS990/SchoolOperatingInd00
IRS990/SignificantChangeInd00
IRS990/SignificantNewProgramSrvcInd00
IRS990/SubjectToProxyTaxInd00
IRS990/TaxablePartyNotificationInd00
IRS990/TaxExemptBondsInd00
IRS990/TempOrPermanentEndowmentsInd00
IRS990/TerminateOperationsInd00
IRS990/TotalAssetsBOYAmt046465060
IRS990/TotalAssetsEOYAmt047954637
IRS990/TotalAssetsGrp/BOYAmt046465060
IRS990/TotalAssetsGrp/EOYAmt047954637
IRS990/TotalCompGreaterThan150KInd00
IRS990/TotalEmployeeCnt00
IRS990/TotalFunctionalExpensesGrp/FundraisingAmt00
IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt00
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt022875101
IRS990/TotalFunctionalExpensesGrp/TotalAmt022875101
IRS990/TotalGrossUBIAmt00
IRS990/TotalLiabilitiesBOYAmt013088896
IRS990/TotalLiabilitiesEOYAmt015472891
IRS990/TotalLiabilitiesGrp/BOYAmt013088896
IRS990/TotalLiabilitiesGrp/EOYAmt015472891
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt033376164
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt032481746
IRS990/TotalOtherCompensationAmt00
IRS990/TotalProgramServiceExpensesAmt022875101
IRS990/TotalProgramServiceRevenueAmt019626221
IRS990/TotalReportableCompFromOrgAmt00
IRS990/TotalRevenueGrp/ExclusionAmt01553586
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt019498449
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt021052035
IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt00
IRS990/TotalVolunteersCnt00
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt046465060
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt047954637
IRS990/TotReportableCompRltdOrgAmt00
IRS990/UnrelatedBusIncmOverLimitInd00
IRS990/UnrestrictedNetAssetsGrp/BOYAmt033376164
IRS990/UnrestrictedNetAssetsGrp/EOYAmt032481746
IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine10P O Box 1330
IRS990/USAddress/City0Holland
IRS990/USAddress/State0OH
IRS990/USAddress/ZIPCode043528
IRS990/VotingMembersGoverningBodyCnt010
IRS990/VotingMembersIndependentCnt010
IRS990/WebsiteAddressTxt0N/A
IRS990/WhistleblowerPolicyInd01
ReturnHeader/BuildTS02016-03-07 17:11:31Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd01
ReturnHeader/BusinessOfficerGrp/PersonNm0Donald Huss
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0Chairman
ReturnHeader/BusinessOfficerGrp/PhoneNum04192482401
ReturnHeader/BusinessOfficerGrp/SignatureDt02015-02-14
ReturnHeader/Filer/BusinessName/BusinessNameLine10Union Construction Workers Health Plan
ReturnHeader/Filer/BusinessNameControlTxt0UNIO
ReturnHeader/Filer/EIN0344442536
ReturnHeader/Filer/PhoneNum04192482401
ReturnHeader/Filer/USAddress/AddressLine10P O Box 1330
ReturnHeader/Filer/USAddress/City0Holland
ReturnHeader/Filer/USAddress/State0OH
ReturnHeader/Filer/USAddress/ZIPCode043528
ReturnHeader/PreparerFirmGrp/PreparerFirmEIN0341087273
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine10LublinSussman Group
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine103166 N Republic Blvd
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/City0Toledo
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/State0OH
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCode043615
ReturnHeader/PreparerPersonGrp/PhoneNum04198412848
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0Lee D Wunschel
ReturnHeader/ReturnTs02015-03-03T09:32:21-06:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02013-06-01
ReturnHeader/TaxPeriodEndDt02014-05-31
ReturnHeader/TaxYr02013

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

Displayed year

2014 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$47,954,637
Liabilities
$15,472,891
Net assets
$32,481,746
Revenue
$21,052,035
Expenses
$22,875,101
Net income
-$1,823,066
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2022XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$65.7$49.0$16.7$34.7$34.6$0.08
2021XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$66.6$45.2$21.4$30.2$32.8$2.54
2020XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$65.0$43.7$21.3$33.8$30.8$2.92
2017Facts available. Structured filing facts are available, but richer extracted sections are limited.$53.2$18.4$34.8$27.3$21.5$5.79
2016Detailed filing. Detailed filing data is available for this year.$47.7$19.8$27.8$24.6$25.8$1.20
2015Detailed filing. Detailed filing data is available for this year.$47.3$18.1$29.2$22.1$25.9$3.73
2014Detailed filing. Detailed filing data is available for this year.$48.0$15.5$32.5$21.1$22.9$1.82
2013Facts available. Structured filing facts are available, but richer extracted sections are limited.$46.5$13.1$33.4$22.5
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$46.2$12.5$33.7$17.8
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$39.2$11.4$27.8$21.3
Peer Organizations

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