Civic Intelligence

Fleet Owners Insurance Fund

990 • Fiscal year 2018 • EIN 34-6540902

Jan 01, 2018 to Dec 31, 2018 • Filed on Nov 14, 2019

Organization ProfileFLEETOWNERSINSURANCE.ORG

View Organization Page

6511 Eastland Road Ste 120Brook Park, OH 44142

(440) 243-0648

Siviq Scores

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

Liabilities / Assets

58th percentile

0.05x

Higher debt load relative to assets than 58% of similar nonprofits.

2018 filings • 501(c)9 • $10M-$25M nonprofits • Source year 2018

Liabilities / Revenue

40th percentile

0.01x

Higher debt load relative to revenue than 40% of similar nonprofits.

2018 filings • 501(c)9 • $10M-$25M nonprofits • Source year 2018

Net Margin

16th percentile

-7.7%

Higher net margin than 16% of similar nonprofits.

2018 filings • 501(c)9 • $10M-$25M nonprofits • Source year 2018

Top Officer Pay

73rd percentile

$151,326

Higher top officer pay than 73% of similar nonprofits.

Top officer pay equals 1.3% of source-year revenue.

2018 filings • 501(c)9 • $10M-$25M nonprofits • Source year 2018

Asset Growth

Score unavailable

No value available

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

Source year 2018

Revenue Growth

Score unavailable

No value available

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

Source year 2018

Balance Sheet
Liabilities / Assets58th percentile

Assets

Down

$2,832,806

Down $4,252,288 (-60%) from 2014

Net Assets

Down

$2,678,808

Down $4,149,480 (-61%) from 2014

Liabilities

Down

$153,998

Down $102,808 (-40%) from 2014

Revenue And Expenses
Liabilities / Revenue40th percentileNet Margin16th percentile

Revenue

Up

$11,961,455

Up $3,561,169 (+42%) from 2014

Expenses

Up

$12,876,544

Up $5,452,658 (+73%) from 2014

Net Income

Down

-$915,089

Down $1,891,489 (-194%) from 2014

Historical Trend

Balance Sheet Trend

Asset GrowthScore unavailable

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

$8.0M$6.0M$4.0M$2.0M$0Assets 2010: $6,174,897Liabilities 2010: $326,580Net Assets 2010: $5,848,3172010Assets 2011: $6,159,208Liabilities 2011: $341,212Net Assets 2011: $5,817,9962011Assets 2012: $5,924,543Liabilities 2012: $177,983Net Assets 2012: $5,746,5602012Assets 2013: $6,328,077Liabilities 2013: $107,619Net Assets 2013: $6,220,4582013Assets 2014: $7,085,094Liabilities 2014: $256,806Net Assets 2014: $6,828,2882014Assets 2018: $2,832,806Liabilities 2018: $153,998Net Assets 2018: $2,678,8082018Assets 2019: $1,227,132Liabilities 2019: $172,691Net Assets 2019: $1,054,4412019Assets 2020: $606,394Liabilities 2020: $26,550Net Assets 2020: $579,8442020Assets 2021: $366,062Liabilities 2021: $57,627Net Assets 2021: $308,4352021Assets 2022: $753,097Liabilities 2022: $1,245Net Assets 2022: $751,8522022Assets 2023: $0Liabilities 2023: $0Net Assets 2023: $02023

Highlighted filing

2018

Assets$2,832,806
Liabilities$153,998
Net Assets$2,678,808
Open 2018 Filing

Operations Trend

Revenue GrowthScore unavailable

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

$15M$10M$5.0M$0-$5.0MExpenses 2010: $3,463,2032010Expenses 2011: $5,683,1902011Expenses 2012: $6,105,3992012Revenue 2013: $6,228,472Expenses 2013: $5,914,827Net Income 2013: $313,6452013Revenue 2014: $8,400,286Expenses 2014: $7,423,886Net Income 2014: $976,4002014Revenue 2018: $11,961,455Expenses 2018: $12,876,544Net Income 2018: -$915,0892018Revenue 2019: $1,350,099Expenses 2019: $3,069,653Net Income 2019: -$1,719,5542019Revenue 2020: $22,853Expenses 2020: $511,100Net Income 2020: -$488,2472020Revenue 2021: $759Expenses 2021: $278,344Net Income 2021: -$277,5852021Revenue 2022: $528,508Expenses 2022: $85,091Net Income 2022: $443,4172022Revenue 2023: $828Expenses 2023: $752,680Net Income 2023: -$751,8522023

Highlighted filing

2018

Revenue$11,961,455
Expenses$12,876,544
Net Income-$915,089
Open 2018 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2018 to Dec 31, 2018
Signed
Nov 14, 2019
Return Version
2018v3.1
Gross Receipts
$14,599,534
Mission and Program Overview

Mission

To provide health, welfare, death and other benefits to approximately 850 covered members and retirees and their eligible dependents

Balance Sheet Detail
LineBeginningEndChange
Assets
Investments in Publicly Traded Securities$3,250,916$1,931,834▼ $1,319,082
Accounts Receivable$920,230$677,039▼ $243,191
Cash and Non-Interest-Bearing Accounts$148,402$214,561▲ $66,159
Prepaid Expenses and Deferred Charges$6,599$7,312▲ $713
Land, Buildings, and Equipment, Net$4,491$2,060▼ $2,431
Total Assets$4,330,638$2,832,806▼ $1,497,832
Liabilities
Accounts Payable and Accrued Expenses$34,672$98,710▲ $64,038
Other Liabilities$523,000$55,288▼ $467,712
Total Liabilities$557,672$153,998▼ $403,674
Net Assets / Fund Balance
Unrestricted Net Assets$3,772,966$2,678,808▼ $1,094,158
Total Net Assets Fund Balance$3,772,966$2,678,808▼ $1,094,158
Total Liabilities and Net Assets / Fund Balance$4,330,638$2,832,806▼ $1,497,832

Asset Categories

AssetBook ValueDepreciationBasis
Equipment$2,060$65,287$67,347
Buildings$0--
Other Land Buildings$0--
Land$0--
Leasehold Improvements$0--

Endowment Activity

PeriodBeginningContrib.Gain/LossOther UsesEnd
2018----$0
2017----$0
2016----$0
2015----$0
2014----$0
Compensation and Service Providers
Top Officer Pay73rd percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Robert KavalecTrusteeFT$130,000$21,326$151,326
Charles AlferioTrustee - PastPT$20,000$17,501$37,501

Board Members and Trustees

NameTitle
William FriskyTrustee

Highest Paid Contractors

ContractorServicesLocationCompensation
Medical Mutual Of OhioContract Administration2060 E 9TH ST, Cleveland, OH 44115$426,529
Lance B Johnson LLPLegal1700 LONDON RD, Cleveland, OH 44112$350,475
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$11,810,455
Investment Income
$133,072
Other Revenue
$17,928
Change in Net Assets
$-915,089

Audited Revenue Reconciliation

Revenue per Audited Statements
$11,935,238
Revenue Not Reported on Financial Statements
$26,217
Revenue Not Reported on Form 990
$-179,069
Total Revenue per Audited Statements
$11,756,169
Total Revenue per Form 990
$11,961,455
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$999,047
Salaries, Compensation, and Employee Benefits$363,334
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Benefits to Members---$11,514,163
Fees for Services Other---$483,888
Fees for Services Legal---$394,583
Current Officers, Directors, Trustees, and Key Employees---$188,827
Other Salaries and Wages---$101,400
Other Employee Benefits---$53,031
Office Expenses---$36,793
Fees for Services Accounting---$27,605
Fees for Service Investment Mgmnt Fees---$26,217
Payroll Taxes---$20,076
Occupancy---$17,560
Insurance---$6,058
Other Expenses---$3,912
Depreciation Depletion---$2,431
Total Functional Expenses$0$0$0$12,876,544

Audited Expense Reconciliation

Line ItemAmount
Expenses per Audited Statements$13,318,039
Total Expenses per Audited Statements$13,318,039
Total Expenses per Form 990$12,876,544
Expenses Not Reported on Form 990$0
Expenses Not Reported on Financial Statements$-441,495
Other Expense Adjustments$-467,712
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
Health Claims Payable$55,288
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
Yes
Audit committee
No
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
Yes
Audited financial statements prepared
No
Key decisions subject to board approval
No
Management duties delegated
No

Governance Explanations

Form 990, Part VI, Line 11B

“Form 990 is prepared by an independent certified public accounting firm and provided to the administrator for review and approval prior to filing”

Form 990, Part VI, Line 12C

“An annual review is done by the board of trustees to identify potential conflicts of interest”

Form 990, Part VI, Line 15A

“Increase in compensation requires board approval and is compared to industry standards for reasonableness”

Form 990, Part VI, Line 15B

“Increase in compensation requires board approval and is compared to industry standards for reasonableness”

Form 990, Part VI, Line 19

“Governing documents, policies and financial statements are available upon request”

Filing and Contact Details

Filer

Filer Name
Fleet Owners Insurance Fund
EIN
34-6540902
Phone
4402430648
Address
6511 EASTLAND ROAD STE 120, BROOK PARK, OH 44142

Signing Officer

Name
Robert Kavalec
Title
Trustee
Signed
2019-11-14

Organization Details

Formed
1954
Legal Domicile
Oh
Voting Board Members
2
Independent Board Members
0
Employees
6
Volunteers
0

Preparer

Firm
J Schaefer & Company LLC
Address
1360 W 9TH ST STE 420, CLEVELAND, OH 44113
Preparer
John Schaefer CPA
Phone
2162737661
Supplemental Narrative

Financial Statement Notes

Part XII, Line 4B

“Change in health claims payable”

Raw XML Appendix381 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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IRS990ScheduleJ/CompBasedOnRevenueOfFlngOrgInd0false
IRS990ScheduleJ/CompBsdNetEarnsFlngOrgInd0false
IRS990ScheduleJ/CompBsdNetEarnsRltdOrgsInd0false
IRS990ScheduleJ/CompBsdOnRevRelatedOrgsInd0false
IRS990ScheduleJ/EquityBasedCompArrngmInd0false
IRS990ScheduleJ/InitialContractExceptionInd0false
IRS990ScheduleJ/RebuttablePresumptionProcInd0false
IRS990/ScheduleJRequiredInd0true
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt0130000
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusRelatedOrganizationsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompensationBasedOnRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990FilingOrgAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990RltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompensationFlngOrgAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsFilingOrgAmt021326
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationFilingOrgAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm0ROBERT KAVALEC
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt0TRUSTEE
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationFilingOrgAmt0151326
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationRltdOrgsAmt00
IRS990ScheduleJ/SeverancePaymentInd0false
IRS990ScheduleJ/SupplementalNonqualRtrPlanInd0false
IRS990/ScheduleORequiredInd0true
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0FORM 990 IS PREPARED BY AN INDEPENDENT CERTIFIED PUBLIC ACCOUNTING FIRM AND PROVIDED TO THE ADMINISTRATOR FOR REVIEW AND APPROVAL PRIOR TO FILING
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1AN ANNUAL REVIEW IS DONE BY THE BOARD OF TRUSTEES TO IDENTIFY POTENTIAL CONFLICTS OF INTEREST
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2INCREASE IN COMPENSATION REQUIRES BOARD APPROVAL AND IS COMPARED TO INDUSTRY STANDARDS FOR REASONABLENESS
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3INCREASE IN COMPENSATION REQUIRES BOARD APPROVAL AND IS COMPARED TO INDUSTRY STANDARDS FOR REASONABLENESS
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4GOVERNING DOCUMENTS, POLICIES AND FINANCIAL STATEMENTS ARE AVAILABLE UPON REQUEST
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0FORM 990, PART VI, LINE 11B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1FORM 990, PART VI, LINE 12C
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2FORM 990, PART VI, LINE 15A
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3FORM 990, PART VI, LINE 15B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4FORM 990, PART VI, LINE 19
IRS990/SchoolOperatingInd0false
IRS990/SignificantChangeInd0false
IRS990/SignificantNewProgramSrvcInd0false
IRS990/SubjectToExcsTaxNetInvstIncInd0false
IRS990/SubjectToProxyTaxInd0false
IRS990/SubjToTaxRmnrtnExPrchtPymtInd0false
IRS990/TaxablePartyNotificationInd0false
IRS990/TaxExemptBondsInd0false
IRS990/TempOrPermanentEndowmentsInd0false
IRS990/TerminateOperationsInd0false
IRS990/TotalAssetsBOYAmt04330638
IRS990/TotalAssetsEOYAmt02832806
IRS990/TotalAssetsGrp/BOYAmt04330638
IRS990/TotalAssetsGrp/EOYAmt02832806
IRS990/TotalCompGreaterThan150KInd0true
IRS990/TotalContributionsAmt00
IRS990/TotalEmployeeCnt06
IRS990/TotalFunctionalExpensesGrp/FundraisingAmt00
IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt00
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt00
IRS990/TotalFunctionalExpensesGrp/TotalAmt012876544
IRS990/TotalGrossUBIAmt00
IRS990/TotalLiabilitiesBOYAmt0557672
IRS990/TotalLiabilitiesEOYAmt0153998
IRS990/TotalLiabilitiesGrp/BOYAmt0557672
IRS990/TotalLiabilitiesGrp/EOYAmt0153998
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt03772966
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt02678808
IRS990/TotalOtherCompensationAmt038827
IRS990/TotalProgramServiceRevenueAmt011810455
IRS990/TotalReportableCompFromOrgAmt0150000
IRS990/TotalRevenueGrp/ExclusionAmt0133072
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt011828383
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt011961455
IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt00
IRS990/TotalVolunteersCnt00
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt04330638
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt02832806
IRS990/TotReportableCompRltdOrgAmt00
IRS990/TypeOfOrganizationTrustInd0X
IRS990/UnrelatedBusIncmOverLimitInd0false
IRS990/UnrestrictedNetAssetsGrp/BOYAmt03772966
IRS990/UnrestrictedNetAssetsGrp/EOYAmt02678808
IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine1Txt06511 EASTLAND ROAD STE 120
IRS990/USAddress/CityNm0BROOK PARK
IRS990/USAddress/StateAbbreviationCd0OH
IRS990/USAddress/ZIPCd044142
IRS990/VotingMembersGoverningBodyCnt02
IRS990/VotingMembersIndependentCnt00
IRS990/WebsiteAddressTxt0FLEETOWNERSINSURANCE.ORG
IRS990/WhistleblowerPolicyInd0false
ReturnHeader/BuildTS02020-04-17 16:48:07Z
ReturnHeader/BusinessOfficerGrp/PersonNm0ROBERT KAVALEC
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0TRUSTEE
ReturnHeader/BusinessOfficerGrp/SignatureDt02019-11-14
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0FLEET OWNERS INSURANCE FUND
ReturnHeader/Filer/BusinessNameControlTxt0FLEE
ReturnHeader/Filer/EIN0346540902
ReturnHeader/Filer/PhoneNum04402430648
ReturnHeader/Filer/USAddress/AddressLine1Txt06511 EASTLAND ROAD STE 120
ReturnHeader/Filer/USAddress/CityNm0BROOK PARK
ReturnHeader/Filer/USAddress/StateAbbreviationCd0OH
ReturnHeader/Filer/USAddress/ZIPCd044142
ReturnHeader/FilingSecurityInformation/AtSubmissionCreationDeviceId09844F81E1408F6ECB932137D33BED7CFDCF518A3
ReturnHeader/FilingSecurityInformation/AtSubmissionFilingDeviceId09844F81E1408F6ECB932137D33BED7CFDCF518A3
ReturnHeader/FilingSecurityInformation/IPAddress/IPv4AddressTxt0172.8.210.102
ReturnHeader/FilingSecurityInformation/IPDt02019-11-15
ReturnHeader/FilingSecurityInformation/IPTimezoneCd0CS
ReturnHeader/FilingSecurityInformation/IPTm011:38:23
ReturnHeader/PreparerFirmGrp/PreparerFirmEIN0823706925
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt0J SCHAEFER & COMPANY LLC
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt01360 W 9TH ST STE 420
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm0CLEVELAND
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd0OH
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCd044113
ReturnHeader/PreparerPersonGrp/PhoneNum02162737661
ReturnHeader/PreparerPersonGrp/PreparationDt02019-11-14
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0JOHN SCHAEFER CPA
ReturnHeader/ReturnTs02019-11-15T14:38:22-05:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02018-01-01
ReturnHeader/TaxPeriodEndDt02018-12-31
ReturnHeader/TaxYr02018

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

Displayed year

2018 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$2,832,806
Liabilities
$153,998
Net assets
$2,678,808
Revenue
$11,961,455
Expenses
$12,876,544
Net income
-$915,089
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2023XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$0.00$0.00$0.00$0.00$0.75$0.75
2022XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$0.75$0.00$0.75$0.53$0.09$0.44
2021Facts available. Structured filing facts are available, but richer extracted sections are limited.$0.37$0.06$0.31$0.00$0.28$0.28
2020XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$0.61$0.03$0.58$0.02$0.51$0.49
2019XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$1.23$0.17$1.05$1.35$3.07$1.72
2018Detailed filing. Detailed filing data is available for this year.$2.83$0.15$2.68$12.0$12.9$0.92
2014XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$7.09$0.26$6.83$8.40$7.42$0.98
2013Detailed filing. Detailed filing data is available for this year.$6.33$0.11$6.22$6.23$5.91$0.31
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$5.92$0.18$5.75$6.11
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$6.16$0.34$5.82$5.68
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$6.17$0.33$5.85$3.46