Civic Intelligence

Michigan Retailers Association

EIN 38-0830085 • 501(c)6 • Lansing, MI

Profile

To serve retail merchants of michigan in areas of common business interests including legislative and educational needs, marketing and processing of credit card sales, and insurance programs.

603 South Washington AvenueLansing, MI 48933

www.retailers.com

Siviq Scores

Precomputed percentiles relative to similar nonprofits. These scores are descriptive rather than judgmental.

Liabilities / Assets

65th percentile

0.34x

Higher debt load relative to assets than 65% of similar nonprofits.

501(c)6 • $10M-$25M nonprofits • Source year 2024

Liabilities / Revenue

96th percentile

3.66x

Higher debt load relative to revenue than 96% of similar nonprofits.

501(c)6 • $10M-$25M nonprofits • Source year 2024

Net Margin

78th percentile

17%

Higher net margin than 78% of similar nonprofits.

501(c)6 • $10M-$25M nonprofits • Source year 2024

Top Officer Pay

Score unavailable

No value available

No filing with officer rows is available for this organization yet.

Asset Growth

79th percentile

15%

Faster asset growth than 79% of similar nonprofits.

501(c)6 • $10M-$25M nonprofits • Annualized from 2023 to 2024

Revenue Growth

24th percentile

-0.4%

Faster revenue growth than 24% of similar nonprofits.

501(c)6 • $10M-$25M nonprofits • Annualized from 2023 to 2024

Assets

Up

$13,720,971

Up $1,816,471 (+15%) from 2023

Liabilities

Up

$4,733,496

Up $551,921 (+13%) from 2023

Net Assets

Up

$8,987,475

Up $1,264,550 (+16%) from 2023

Revenue

Down

$1,293,327

Down $5,107 (-0.4%) from 2023

Expenses

Down

$1,075,379

Down $104,707 (-8.9%) from 2023

Net Income

Up

$217,948

Up $99,600 (+84%) from 2023

Trend Graphs

Balance Sheet Trend

Grouped bars show assets, liabilities, and net assets across loaded filings.

$15M$10M$5.0M$0Assets 2010: $7,169,754Liabilities 2010: $1,131,920Net Assets 2010: $6,037,8342010Assets 2011: $7,443,047Liabilities 2011: $1,298,436Net Assets 2011: $6,144,6112011Assets 2012: $7,101,006Liabilities 2012: $932,368Net Assets 2012: $6,168,6382012Assets 2013: $6,878,452Liabilities 2013: $845,952Net Assets 2013: $6,032,5002013Assets 2014: $6,752,686Liabilities 2014: $751,312Net Assets 2014: $6,001,3742014Assets 2015: $6,666,557Liabilities 2015: $716,421Net Assets 2015: $5,950,1362015Assets 2016: $6,335,690Liabilities 2016: $486,288Net Assets 2016: $5,849,4022016Assets 2017: $6,075,032Liabilities 2017: $456,117Net Assets 2017: $5,618,9152017Assets 2018: $7,310,820Liabilities 2018: $548,588Net Assets 2018: $6,762,2322018Assets 2019: $7,696,648Liabilities 2019: $598,938Net Assets 2019: $7,097,7102019Assets 2020: $8,079,189Liabilities 2020: $680,226Net Assets 2020: $7,398,9632020Assets 2021: $10,383,302Liabilities 2021: $2,221,265Net Assets 2021: $8,162,0372021Assets 2022: $9,941,282Liabilities 2022: $2,602,434Net Assets 2022: $7,338,8482022Assets 2023: $11,904,500Liabilities 2023: $4,181,575Net Assets 2023: $7,722,9252023Assets 2024: $13,720,971Liabilities 2024: $4,733,496Net Assets 2024: $8,987,4752024

Highlighted filing

2024

Assets$13,720,971
Liabilities$4,733,496
Net Assets$8,987,475

Operations Trend

Revenue, expenses, and net income by year, with the latest filing highlighted.

$3.0M$2.0M$1.0M$0-$1.0MExpenses 2010: $940,5622010Expenses 2011: $935,7492011Expenses 2012: $1,003,9162012Revenue 2013: $950,349Expenses 2013: $1,056,490Net Income 2013: -$106,1412013Revenue 2014: $847,129Expenses 2014: $876,791Net Income 2014: -$29,6622014Revenue 2015: $845,538Expenses 2015: $892,455Net Income 2015: -$46,9172015Revenue 2016: $787,257Expenses 2016: $900,153Net Income 2016: -$112,8962016Revenue 2017: $708,410Expenses 2017: $926,007Net Income 2017: -$217,5972017Revenue 2018: $2,168,921Expenses 2018: $980,524Net Income 2018: $1,188,3972018Revenue 2019: $1,234,677Expenses 2019: $1,111,545Net Income 2019: $123,1322019Revenue 2020: $1,283,878Expenses 2020: $1,050,480Net Income 2020: $233,3982020Revenue 2021: $1,234,780Expenses 2021: $1,132,879Net Income 2021: $101,9012021Revenue 2022: $1,235,774Expenses 2022: $1,156,985Net Income 2022: $78,7892022Revenue 2023: $1,298,434Expenses 2023: $1,180,086Net Income 2023: $118,3482023Revenue 2024: $1,293,327Expenses 2024: $1,075,379Net Income 2024: $217,9482024

Highlighted filing

2024

Revenue$1,293,327
Expenses$1,075,379
Net Income$217,948

Filings

Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Detailed filing. Detailed filing data is available for this year.$13.7$4.73$8.99$1.29$1.08$0.22
2023Detailed filing. Detailed filing data is available for this year.$11.9$4.18$7.72$1.30$1.18$0.12
2022Detailed filing. Detailed filing data is available for this year.$9.94$2.60$7.34$1.24$1.16$0.08
2021Detailed filing. Detailed filing data is available for this year.$10.4$2.22$8.16$1.23$1.13$0.10
2020Detailed filing. Detailed filing data is available for this year.$8.08$0.68$7.40$1.28$1.05$0.23
2019Detailed filing. Detailed filing data is available for this year.$7.70$0.60$7.10$1.23$1.11$0.12
2018Detailed filing. Detailed filing data is available for this year.$7.31$0.55$6.76$2.17$0.98$1.19
2017Detailed filing. Detailed filing data is available for this year.$6.08$0.46$5.62$0.71$0.93$0.22
2016Detailed filing. Detailed filing data is available for this year.$6.34$0.49$5.85$0.79$0.90$0.11
2015Detailed filing. Detailed filing data is available for this year.$6.67$0.72$5.95$0.85$0.89$0.05
2014Detailed filing. Detailed filing data is available for this year.$6.75$0.75$6.00$0.85$0.88$0.03
2013Facts available. Structured filing facts are available, but richer extracted sections are limited.$6.88$0.85$6.03$0.95$1.06$0.11
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$7.10$0.93$6.17$1.00
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$7.44$1.30$6.14$0.94
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$7.17$1.13$6.04$0.94
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jul 1, 2023 to Jun 30, 2024
Signed
May 13, 2025
Return Version
2023v6.0
Gross Receipts
$4,599,395
Mission and Program Overview

Mission

To serve retail merchants of michigan in areas of common business interests including legislative and educational needs, marketing and processing of credit card sales, and insurance programs.

Balance Sheet Detail
LineBeginningEndChange
Assets
Investments in Publicly Traded Securities$8,966,295$11,164,964▲ $2,198,669
Investments Other Securities$1,568,072$1,568,072→ $0
Cash and Non-Interest-Bearing Accounts$275,869$377,686▲ $101,817
Other Notes and Loans Receivable, Net$360,000$360,000→ $0
Savings and Temporary Cash Investments$606,344$166,210▼ $440,134
Accounts Receivable$104,545$62,797▼ $41,748
Prepaid Expenses and Deferred Charges$10,175$14,152▲ $3,977
Land, Buildings, and Equipment, Net$13,200$7,090▼ $6,110
Total Assets$11,904,500$13,720,971▲ $1,816,471
Liabilities
Accounts Payable and Accrued Expenses$3,884,548$4,448,207▲ $563,659
Deferred Revenue$297,027$285,289▼ $11,738
Total Liabilities$4,181,575$4,733,496▲ $551,921
Net Assets / Fund Balance
Net Assets Without Donor Restrictions$7,722,925$8,987,475▲ $1,264,550
Total Net Assets Fund Balance$7,722,925$8,987,475▲ $1,264,550
Total Liabilities and Net Assets / Fund Balance$11,904,500$13,720,971▲ $1,816,471

Asset Categories

AssetBook ValueDepreciationBasis
Other Land Buildings$7,090$685,142$692,232
Closely Held Equity Interests$1,568,072--
Compensation and Service Providers

Employees

NameTitleFull / Part TimeBaseOtherTotal
William J HallanPresident/ceFT-$592,991$592,991
Kurt DettmerSVP BusinessFT-$304,959$304,959
Thomas TuggleSVP Mem & SaFT-$284,327$284,327
Tom ClementCOO & Gen CoFT-$261,004$261,004
Amy DrummSVP Govt AffFT-$203,303$203,303
Andrea BitelyVP Comm & MaFT-$155,152$155,152
Laura SchillingVP UnderwritFT-$138,351$138,351
James P HallanFormer Offic--$115,163$115,163
Thomas UngrodtBoard Member-$6,100$13,409$19,509
Peter SobeltonBoard Treasu-$9,720$9,154$18,874
Dan MarshallBoard Member-$7,305$11,068$18,373
William GoldenChair-$9,310$1,374$10,684
Joseph MccurryBoard Member-$8,635$970$9,605
Orin Mazzoni JrBoard Member-$6,995$1,374$8,369
Becky Beauchine KulkaBoard Member-$7,385$970$8,355
Raeanne RouseBoard Member-$6,755$970$7,725
Robert BrinesPast Chair-$5,785$1,374$7,159
Bryan NeimanVice Chair-$5,425$1,218$6,643
Kimberly EdsengaBoard Member-$5,135$1,374$6,509

Board Members and Trustees

NameTitle
William J HallanPresident/CEO
Tom ClementCOO & Gen Counsel
James P HallanFormer Officer
Kurt DettmerSVP Business Develop
Cheryl MedlerSVP Finance
Amy DrummSVP Govt Affairs
Thomas TuggleSVP Mem & Sales
Andrea BitelyVP Comm & Marketing
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$894,520
Investment Income
$337,108
Other Revenue
$61,699
Change in Net Assets
$217,948

Audited Revenue Reconciliation

Revenue per Audited Statements
$1,258,283
Revenue Not Reported on Financial Statements
$35,044
Revenue Not Reported on Form 990
$1,046,602
Total Revenue per Audited Statements
$2,304,885
Total Revenue per Form 990
$1,293,327
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$955,814
Salaries, Compensation, and Employee Benefits$107,665
Grants and Similar Amounts Paid$11,900
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Fees for Services Management---$620,947
Current Officers, Directors, Trustees, and Key Employees---$89,819
All Other Expenses---$62,918
Advertising---$52,172
Conferences and Meetings---$40,478
Fees for Service Investment Mgmnt Fees---$35,044
Fees for Services Accounting---$33,505
Travel---$20,798
Other Employee Benefits---$17,846
Grants to Domestic Orgs---$11,900
Fees for Services Other---$10,060
Other Expenses---$10,060
Insurance---$8,609
Depreciation Depletion---$6,100
Occupancy---$189
Total Functional Expenses$0$0$0$1,075,379

Audited Expense Reconciliation

Line ItemAmount
Total Expenses per Form 990$1,075,379
Expenses per Audited Statements$1,040,335
Total Expenses per Audited Statements$1,040,335
Expenses Not Reported on Financial Statements$35,044
International Activity

Grant and Assistance Recipients

RecipientLocationCategoryPurposeAmount
Michigan Retailers FoundationLansing, MI501c3Scholarships$10,900
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
In-house lobbying only
No
Subject to proxy tax
Yes

Reported Spending and Taxes

Line ItemAmount
Current Year Nondeductible Lobbying and Political Cost$157,897
Total Nondeductible Lobbying and Political Cost$157,897
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 35% controlled entity
No
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
Yes
Key decisions subject to board approval
Yes
Management duties delegated
No

Governance Explanations

Form 990, Page 6, Part VI, Line 6

Mra is a member organization where regular and associate members are entitled to one vote.

Form 990, Page 6, Part VI, Line 7A

All directors, except positions required in the bylaws, are elected at the annual membership meeting.

Form 990, Page 6, Part VI, Line 7B

Members are required to approve amendments to the articles of incorporation. No other decisions of the board require approval by members or other persons.

Form 990, Page 6, Part VI, Line 10B

No local chapters or branches. However, mra does have affiliates and all have operating bylaws and management contracts where appropriate.

Form 990, Page 6, Part VI, Line 11B

A copy of the form 990 was emailed to all mra board members for their review. Board members had ten business days to review, ask questions, or report concerns before the form 990 was filed.

Form 990, Page 6, Part VI, Line 12C

Board members and officers are annually required to sign a conflict of interest policy. Potential conflicts, if any, are disclosed in the normal course of business, are reported, and abstention of vote on topics when required.

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

The process for determining compensation for ceo of the organization involves the following: utilizing the compensation committee, independent consultants, reviewing other organizations' 990s, compensation surveys, and final approval by the board of directors. This process is performed annually.

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

The process for determining compensation for the officers or other key employees of the organization involves the following: annual review of employee performed in september of each year. Board of directors approves overall average increase for all employees and top management officials use the approved average as base to determine annual increase of the officers or key employees. Salary increases over and above annual overall increase must be approved by the board of directors. This process is performed annually.

Form 990, Page 6, Part VI, Line 19

Governing documents, conflict of interest policy, and financial statements are available to the public upon request.

Filing and Contact Details

Filer

Filer Name
Michigan Retailers Association
EIN
38-0830085
Phone
5173725656
Address
603 SOUTH WASHINGTON AVENUE, LANSING, MI 48933

Signing Officer

Name
William J Hallan
Title
President/CEO
Phone
5173725656
Signed
2025-05-13
Discuss with paid preparer
Yes

Organization Details

Principal Officer
William J Hallan
Formed
1940
Legal Domicile
Mi
Voting Board Members
12
Independent Board Members
11
Employees
0

Preparer

Firm
Andrews Hooper Pavlik Plc
Address
4295 OKEMOS RD STE 200, OKEMOS, MI 48864-6201
Preparer
Julie M Pfeifle
Phone
5177060800
Supplemental Narrative

Additional Explanations

Form 990

All lines left blank are not applicable to the organization.

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IRS990/Form990PartVIISectionAGrp/PersonNm0WILLIAM J HALLAN
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IRS990/Form990PartVIISectionAGrp/PersonNm4AMY DRUMM
IRS990/Form990PartVIISectionAGrp/PersonNm5CHERYL MEDLER
IRS990/Form990PartVIISectionAGrp/PersonNm6ANDREA BITELY
IRS990/Form990PartVIISectionAGrp/PersonNm7LAURA SCHILLING
IRS990/Form990PartVIISectionAGrp/PersonNm8JAMES P HALLAN
IRS990/Form990PartVIISectionAGrp/PersonNm9THOMAS UNGRODT
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IRS990/Form990PartVIISectionAGrp/PersonNm12WILLIAM GOLDEN
IRS990/Form990PartVIISectionAGrp/PersonNm13JOSEPH MCCURRY
IRS990/Form990PartVIISectionAGrp/PersonNm14ORIN MAZZONI JR
IRS990/Form990PartVIISectionAGrp/PersonNm15BECKY BEAUCHINE KULKA
IRS990/Form990PartVIISectionAGrp/PersonNm16RAEANNE ROUSE
IRS990/Form990PartVIISectionAGrp/PersonNm17ROBERT BRINES
IRS990/Form990PartVIISectionAGrp/PersonNm18BRYAN NEIMAN
IRS990/Form990PartVIISectionAGrp/PersonNm19KIMBERLY EDSENGA
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IRS990/Form990PartVIISectionAGrp/TitleTxt3COO & GEN CO
IRS990/Form990PartVIISectionAGrp/TitleTxt4SVP GOVT AFF
IRS990/Form990PartVIISectionAGrp/TitleTxt5SVP FINANCE
IRS990/Form990PartVIISectionAGrp/TitleTxt6VP COMM & MA
IRS990/Form990PartVIISectionAGrp/TitleTxt7VP UNDERWRIT
IRS990/Form990PartVIISectionAGrp/TitleTxt8FORMER OFFIC
IRS990/Form990PartVIISectionAGrp/TitleTxt9BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt10BOARD TREASU
IRS990/Form990PartVIISectionAGrp/TitleTxt11BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt12CHAIR
IRS990/Form990PartVIISectionAGrp/TitleTxt13BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt14BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt15BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt16BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt17PAST CHAIR
IRS990/Form990PartVIISectionAGrp/TitleTxt18VICE CHAIR
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IRS990/ProgSrvcAccomActy2Grp/Desc0LEGISLATIVE - MRA ASSISTS MEMBERS WITH GOVERNMENT-RELATED CONCERNS THEY MAY HAVE AND HELPS TO COMMUNICATE THESE CONCERNS TO STATE LAWMAKERS.
IRS990/ProgSrvcAccomActy3Grp/Desc0ADVERTISING AND PUBLICATIONS - MRA PRODUCES A NUMBER OF PUBLICATIONS THAT ARE IMPORTANT SOURCES OF INDUSTRY NEWS FOR MEMBERS. THE DIFFERENT PUBLICATIONS INFORM MEMBERS ABOUT STATE AND NATIONAL RETAIL ISSUES; SUMMARIZE KEY LEGISLATIVE ACTIONS AFFECTING RETAILING; HIGHLIGHT LEGISLATIVE ACTIVITY; TRACK TRENDS; AND SUMMARIZE RETAIL NEWS COVERAGE.
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IRS990ScheduleI/RecipientTable/PurposeOfGrantTxt0SCHOLARSHIPS
IRS990ScheduleI/RecipientTable/RecipientBusinessName/BusinessNameLine1Txt0MICHIGAN RETAILERS FOUNDATION
IRS990ScheduleI/RecipientTable/RecipientBusinessName/BusinessNameLine2Txt0MICHIGAN RETAILERS FOUNDATION
IRS990ScheduleI/RecipientTable/RecipientEIN0386159732
IRS990ScheduleI/RecipientTable/USAddress/AddressLine1Txt0603 SOUTH WASHINGTON AVENUE
IRS990ScheduleI/RecipientTable/USAddress/CityNm0LANSING
IRS990ScheduleI/RecipientTable/USAddress/StateAbbreviationCd0MI
IRS990ScheduleI/RecipientTable/USAddress/ZIPCd048933
IRS990ScheduleI/SupplementalInformationDetail/ExplanationTxt0THE ORGANIZATION PROVIDES THE ASSISTANCE TO MRA FOUNDATION FOR THE USE OF PROVIDING COLLEGE SCHOLARSHIPS THROUGH THE FOUNDATION. MRA FOUNDATION HAS A SCHOLARSHIP MONITORING COMMITTEE AND PROCESS TO DISTRIBUTE THE SCHOLARSHIPS.
IRS990ScheduleI/SupplementalInformationDetail/FormAndLineReferenceDesc0SCHEDULE I, PAGE 1, PART I, LINE 2
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