Civic Intelligence

Electrical Workers' Insurance Fund

990 • Fiscal year 2023 • EIN 38-1393235

Oct 01, 2022 to Sep 30, 2023 • Filed on Jul 22, 2024

Organization ProfileWWW.EWJBT.ORG

View Organization Page

P O Box 71337Madison Heights, MI 48071-0337

(586) 575-9200

Siviq Scores

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

Liabilities / Assets

45th percentile

0.01x

Higher debt load relative to assets than 45% of similar nonprofits.

2023 filings • 501(c)9 • $100M-$250M nonprofits • Source year 2023

Liabilities / Revenue

43rd percentile

0.02x

Higher debt load relative to revenue than 43% of similar nonprofits.

2023 filings • 501(c)9 • $100M-$250M nonprofits • Source year 2023

Net Margin

22nd percentile

-4.7%

Higher net margin than 22% of similar nonprofits.

2023 filings • 501(c)9 • $100M-$250M nonprofits • Source year 2023

Top Officer Pay

88th percentile

$402,839

Higher top officer pay than 88% of similar nonprofits.

Top officer pay equals 0.6% of source-year revenue.

2023 filings • 501(c)9 • $100M-$250M nonprofits • Source year 2023

Asset Growth

24th percentile

0.4%

Faster asset growth than 24% of similar nonprofits.

2023 filings • 501(c)9 • $100M-$250M nonprofits • Annualized from 2022 to 2023

Revenue Growth

46th percentile

5.0%

Faster revenue growth than 46% of similar nonprofits.

2023 filings • 501(c)9 • $100M-$250M nonprofits • Annualized from 2022 to 2023

Balance Sheet
Liabilities / Assets45th percentile

Assets

Up

$117,212,126

Up $468,513 (+0.4%) from 2022

Net Assets

Up

$115,785,325

Up $100,763 (+0.1%) from 2022

Liabilities

Up

$1,426,801

Up $367,750 (+35%) from 2022

Revenue And Expenses
Liabilities / Revenue43rd percentileNet Margin22nd percentile

Revenue

Up

$71,557,544

Up $3,388,025 (+5.0%) from 2022

Expenses

Down

$74,914,679

Down $5,539,107 (-6.9%) from 2022

Net Income

Up

-$3,357,135

Up $8,927,132 (+73%) from 2022

Historical Trend

Balance Sheet Trend

Asset Growth24th percentile

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

$150M$100M$50M$0Assets 2010: $50,479,336Liabilities 2010: $188,105Net Assets 2010: $50,291,2312010Assets 2011: $56,269,684Liabilities 2011: $422,715Net Assets 2011: $55,846,9692011Assets 2012: $64,201,281Liabilities 2012: $208,456Net Assets 2012: $63,992,8252012Assets 2013: $74,406,063Liabilities 2013: $261,011Net Assets 2013: $74,145,0522013Assets 2014: $82,267,908Liabilities 2014: $1,034,535Net Assets 2014: $81,233,3732014Assets 2015: $91,023,804Liabilities 2015: $410,025Net Assets 2015: $90,613,7792015Assets 2016: $97,463,960Liabilities 2016: $347,619Net Assets 2016: $97,116,3412016Assets 2017: $121,857,238Liabilities 2017: $1,740,265Net Assets 2017: $120,116,9732017Assets 2018: $126,749,026Liabilities 2018: $706,150Net Assets 2018: $126,042,8762018Assets 2019: $139,109,653Liabilities 2019: $686,867Net Assets 2019: $138,422,7862019Assets 2020: $146,791,234Liabilities 2020: $3,366,689Net Assets 2020: $143,424,5452020Assets 2021: $149,911,774Liabilities 2021: $2,030,257Net Assets 2021: $147,881,5172021Assets 2022: $116,743,613Liabilities 2022: $1,059,051Net Assets 2022: $115,684,5622022Assets 2023: $117,212,126Liabilities 2023: $1,426,801Net Assets 2023: $115,785,3252023Assets 2024: $130,217,795Liabilities 2024: $1,393,743Net Assets 2024: $128,824,0522024

Highlighted filing

2023

Assets$117,212,126
Liabilities$1,426,801
Net Assets$115,785,325
Open 2023 Filing

Operations Trend

Revenue Growth46th percentile

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

$100M$50M$0-$50MExpenses 2010: $55,389,1732010Expenses 2011: $53,561,2872011Expenses 2012: $55,275,2242012Revenue 2013: $60,727,742Expenses 2013: $50,137,642Net Income 2013: $10,590,1002013Revenue 2014: $55,658,684Expenses 2014: $50,615,549Net Income 2014: $5,043,1352014Revenue 2015: $63,131,836Expenses 2015: $52,231,864Net Income 2015: $10,899,9722015Revenue 2016: $61,576,989Expenses 2016: $57,355,510Net Income 2016: $4,221,4792016Revenue 2017: $87,633,383Expenses 2017: $60,598,378Net Income 2017: $27,035,0052017Revenue 2018: $72,287,597Expenses 2018: $64,634,393Net Income 2018: $7,653,2042018Revenue 2019: $65,304,291Expenses 2019: $55,922,974Net Income 2019: $9,381,3172019Revenue 2020: $66,063,414Expenses 2020: $66,174,969Net Income 2020: -$111,5552020Revenue 2021: $72,595,227Expenses 2021: $74,072,803Net Income 2021: -$1,477,5762021Revenue 2022: $68,169,519Expenses 2022: $80,453,786Net Income 2022: -$12,284,2672022Revenue 2023: $71,557,544Expenses 2023: $74,914,679Net Income 2023: -$3,357,1352023Revenue 2024: $81,460,286Expenses 2024: $80,320,439Net Income 2024: $1,139,8472024

Highlighted filing

2023

Revenue$71,557,544
Expenses$74,914,679
Net Income-$3,357,135
Open 2023 Filing
Jump To
Filing Snapshot
Filing Period
Oct 1, 2022 to Sep 30, 2023
Signed
Jul 22, 2024
Return Version
2022v5.0
Gross Receipts
$116,762,450
Mission and Program Overview

Mission

The fund was established by collective-bargaining between ibew local 58 and smc neca to provide health insurance to member electricians and their families. Over 6000 participants and beneficiaries benefit.

The fund was established by collective-bargaining between ibew local 58 and smc neca to provide health insurance to member electricians and their families. Over 5,700 participants and 6,700 beneficiaries & dependents benefit.

Balance Sheet Detail
LineBeginningEndChange
Assets
Rtn Earn Endowment Incm Other Fnds$115,684,563$115,785,325▲ $100,762
Investments in Publicly Traded Securities$106,210,448$104,615,806▼ $1,594,642
Savings and Temporary Cash Investments$4,272,519$4,507,672▲ $235,153
Investments Other Securities$3,813,226$3,713,378▼ $99,848
Accounts Receivable$1,590,000$3,377,800▲ $1,787,800
Land, Buildings, and Equipment, Net$2,701$1,967▼ $734
Cash and Non-Interest-Bearing Accounts$350$350→ $0
Total Assets$116,743,613$117,212,126▲ $468,513
Other Assets Total$854,369$995,153▲ $140,784
Liabilities
Other Liabilities$611,266$759,020▲ $147,754
Accounts Payable and Accrued Expenses$447,784$667,781▲ $219,997
Total Liabilities$1,059,050$1,426,801▲ $367,751
Net Assets / Fund Balance
Total Net Assets Fund Balance$115,684,563$115,785,325▲ $100,762
Total Liabilities and Net Assets / Fund Balance$116,743,613$117,212,126▲ $468,513

Asset Categories

AssetBook ValueDepreciationBasis
Equipment$1,967$97,024$98,991
Compensation and Service Providers
Top Officer Pay88th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
E Craig YoungBenefits DirectorFT$350,000$62,839$402,839
Michele DavisASS'T BENE.FT$138,000$52,839$190,839
Thomas Mittelbrun IiiTrustee-$128,000$52,839$190,839
Joseph DiederichsTrustee--$2,212$2,212

Board Members and Trustees

NameTitle
Michele DavisASS'T BENE. DIRECTOR
James PeltierTrustee
KIMBERLY L'HEUREUXTrustee
William DarishTrustee
Steven WelleinTrustee/chai

Highest Paid Contractors

ContractorServicesLocationCompensation
Professional Benefits Services INCClaims Processo5300 PATTERSON S/E 150, Grand Rapids, MI 49512$4,868,988
Delta Dental Of MichiganClaim ProcessinP O BOX 9089, Farmington Hills, MI 48333$210,374
Pnc Bank Institutional InvestmentsInvestment Mgt2 PNC PLAZA 620 LIBERTY, Pittsburgh, PA 15222$142,546
Part D AdvisorsMedicare Consul17199 N LAUREL PARK DR, Livonia, MI 48152$127,433
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$65,676,575
Investment Income
$4,906,352
Other Revenue
$974,617
Change in Net Assets
$-3,357,135

Audited Revenue Reconciliation

Revenue per Audited Statements
$71,557,544
Revenue Not Reported on Form 990
$3,457,897
Total Revenue per Audited Statements
$75,015,441
Total Revenue per Form 990
$71,557,544
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Salaries, Compensation, and Employee Benefits$1,780,025
Other Expenses$711,721
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Benefits to Members---$72,422,933
Other Salaries and Wages---$1,135,015
Current Officers, Directors, Trustees, and Key Employees---$350,000
Fees for Service Investment Mgmnt Fees---$281,074
Pension Plan Contributions---$178,691
Information Technology---$128,852
Fees for Services Accounting---$122,944
Other Employee Benefits---$80,663
Fees for Services Legal---$56,510
Office Expenses---$47,323
Occupancy---$39,742
Payroll Taxes---$35,656
Fees for Services Other---$14,752
Insurance---$10,488
Advertising---$9,226
Depreciation Depletion---$810
Total Functional Expenses$0$0$0$74,914,679

Audited Expense Reconciliation

Line ItemAmount
Total Expenses per Form 990$74,914,679
Expenses per Audited Statements$74,766,925
Total Expenses per Audited Statements$74,766,925
Expenses Not Reported on Financial Statements$147,754
Other Expense Adjustments$147,754
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
Premiums Payable$759,020
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
No
Key decisions subject to board approval
No
Management duties delegated
No

Governance Explanations

Form 990, Part VI

“Part vi, line 2: the relationship between the trustees of the fund is a "business relationship". The fund is established and maintained pursuant to the employee retirement income security act of 1974, as amended. The fund, as a taft hartley fund, is administered by a board of trustees which is composed of an equal number of union and employer representatives. Because of this organizational requirement, there is a business relationship between the trustees.”

Form 990, Page 6, Part VI, Line 2

“SEE SCHEDULE O”

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

“The union and the employer association appoint trustees.”

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

“The board reviews form 990 before it is filed.”

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

“The fund enforces its conflict of interest policy in accordance with rules of erisa of 1974 governing prohibited transactions.”

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

“The benefit director's compensation is reviewed annually by independent board members. The board reviews comparable data of base and variable compensation to industry standards. Meeting minutes are maintained in written form.”

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

“The board approves a budget where the compensation of all employees are listed. Meeting minutes are maintained in written form.”

Form 990, Page 6, Part VI, Line 19

“Governing documents, policies, and financial statements are available to the public upon request.”

Form 990, Page 7, Part VII

“Kimberly l'heureux averaged 40 hours a week for a related organization. Wages were taken from a dept. Of labor filing and the fringes were estimated. James peltier averaged 40 hours a week for a related organization. Wages were taken from a dept. Of labor filing and the fringes were estimated. Thomas mittelbrun, iii averaged 40 hours a week for a related organization. Actual amounts are reported. Joseph diederichs averaged .80 hours a week for a related organization. Wages were taken from a fringe benefit report.”

Filing and Contact Details

Filer

Filer Name
ELECTRICAL WORKERS' INSURANCE FUND
EIN
38-1393235
Phone
5865759200
Address
P O BOX 71337, MADISON HEIGHTS, MI 48071-0337

Signing Officer

Name
E Craig Young
Title
Benefits Director
Phone
5865759200
Signed
2024-07-22
Discuss with paid preparer
Yes

Organization Details

Principal Officer
E Craig Young
Formed
1951
Legal Domicile
Mi
Voting Board Members
6
Independent Board Members
0
Employees
14

Preparer

Firm
Mcclain Smith & Wenz Pc
Address
6915 ROCHESTER ROAD STE 100, TROY, MI 48085-1285
Preparer
James T Welch
Phone
2488798400
Supplemental Narrative

Additional Explanations

FORM 990 - ORGANIZATION'S MISSION

“The fund was established by collective-bargaining between ibew local 58 and smc neca to provide health insurance to member electricians and their families. Over 5,700 participants and 6,700 beneficiaries & dependents benefit.”

Form 990, Page 5, Part V, Line 3B

“The fund did not earn any unrelated business income during the year.”

Form 990, Part XI, Line 9

“Premium payable -beginning of yr -611,266 premiums payable-end of yr 759,020 total 147,754”

Financial Statement Notes

Schedule D, Page 4, Part XII, Line 4B

“Premium payable -beginning of yr -611,266 premiums payable-end of yr 759,020”

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IRS990/InfoInScheduleOPartVIInd0X
IRS990/InfoInScheduleOPartVInd0X
IRS990/InfoInScheduleOPartXIInd0X
IRS990/InformationTechnologyGrp/TotalAmt0128852
IRS990/InsuranceGrp/TotalAmt010488
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IRS990/LocalChaptersInd0false
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IRS990/MembersOrStockholdersInd0false
IRS990/MethodOfAccountingAccrualInd0X
IRS990/MinutesOfCommitteesInd0true
IRS990/MinutesOfGoverningBodyInd0true
IRS990/MissionDesc0THE FUND WAS ESTABLISHED BY COLLECTIVE-BARGAINING BETWEEN IBEW LOCAL 58 AND SMC NECA TO PROVIDE HEALTH INSURANCE TO MEMBER ELECTRICIANS AND THEIR FAMILIES. OVER 5,700 PARTICIPANTS AND 6,700 BENEFICIARIES & DEPENDENTS BENEFIT.
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IRS990/MoreThan5000KToOrgInd0false
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IRS990/OccupancyGrp/TotalAmt039742
IRS990/OfficeExpensesGrp/TotalAmt047323
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IRS990/OperateHospitalInd0false
IRS990/Organization501cInd0X
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IRS990/OtherAssetsTotalGrp/BOYAmt0854369
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IRS990/OtherLiabilitiesGrp/BOYAmt0611266
IRS990/OtherLiabilitiesGrp/EOYAmt0759020
IRS990/OtherRevenueMiscGrp/Desc0REIMBURSED EXP.-RELATED FUNDS
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IRS990/PayrollTaxesGrp/TotalAmt035656
IRS990/PensionPlanContributionsGrp/TotalAmt0178691
IRS990/PoliticalCampaignActyInd0false
IRS990/PrincipalOfficerNm0E CRAIG YOUNG
IRS990/ProfessionalFundraisingInd0false
IRS990/ProgramServiceRevenueGrp/BusinessCd0230000
IRS990/ProgramServiceRevenueGrp/BusinessCd1230000
IRS990/ProgramServiceRevenueGrp/BusinessCd2900099
IRS990/ProgramServiceRevenueGrp/Desc0HEALTHCARE CONTRIB.-EMPLOYER
IRS990/ProgramServiceRevenueGrp/Desc1HEALTHCARE CONTRIB.-PARTICIPA
IRS990/ProgramServiceRevenueGrp/Desc2REFUNDS FROM PARTICIPANTS
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt057825486
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt16158953
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt21692136
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt057825486
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt16158953
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt21692136
IRS990/ProhibitedTaxShelterTransInd0false
IRS990/PYOtherExpensesAmt01144
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IRS990/ReconcilationRevenueExpnssAmt0-3357135
IRS990/RegularMonitoringEnfrcInd0true
IRS990/RelatedEntityInd0true
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IRS990/ReportOtherLiabilitiesInd0true
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IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt0115684563
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt0115785325
IRS990/SavingsAndTempCashInvstGrp/BOYAmt04272519
IRS990/SavingsAndTempCashInvstGrp/EOYAmt04507672
IRS990/ScheduleBRequiredInd0false
IRS990ScheduleD/EquipmentGrp/BookValueAmt01967
IRS990ScheduleD/EquipmentGrp/DepreciationAmt097024
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt098991
IRS990ScheduleD/ExpensesNotRptFinclStmtAmt0147754
IRS990ScheduleD/ExpensesSubtotalAmt074766925
IRS990ScheduleD/NetUnrealizedGainsInvstAmt03457897
IRS990ScheduleD/OtherExpensesNotIncludedAmt0147754
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt0759020
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0PREMIUMS PAYABLE
IRS990ScheduleD/RevenueNotReportedAmt03457897
IRS990ScheduleD/RevenueSubtotalAmt071557544
IRS990ScheduleD/SupplementalInformationDetail/ExplanationTxt0PREMIUM PAYABLE -BEGINNING OF YR -611,266 PREMIUMS PAYABLE-END OF YR 759,020
IRS990ScheduleD/SupplementalInformationDetail/FormAndLineReferenceDesc0SCHEDULE D, PAGE 4, PART XII, LINE 4B
IRS990ScheduleD/TotalBookValueLandBuildingsAmt01967
IRS990ScheduleD/TotalExpensesPerForm990Amt074914679
IRS990ScheduleD/TotalLiabilityAmt0759020
IRS990ScheduleD/TotalRevenuePerForm990Amt071557544
IRS990ScheduleD/TotalRevEtcAuditedFinclStmtAmt075015441
IRS990ScheduleD/TotExpnsEtcAuditedFinclStmtAmt074766925
IRS990ScheduleJ/BoardOrCommitteeApprovalInd0X
IRS990ScheduleJ/CompensationSurveyInd0X
IRS990ScheduleJ/EquityBasedCompArrngmInd0false
IRS990/ScheduleJRequiredInd0true
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt0350000
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt1128000
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount010000
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusRelatedOrganizationsAmt050000
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompensationBasedOnRltdOrgsAmt0238900
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompensationBasedOnRltdOrgsAmt1136045
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompensationBasedOnRltdOrgsAmt2126015
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompensationFlngOrgAmt037139
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompensationFlngOrgAmt137139
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompRltdOrgsAmt043355
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompRltdOrgsAmt137139
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompRltdOrgsAmt237139
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsFilingOrgAmt015700
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsFilingOrgAmt115700
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsRltdOrgsAmt015700
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsRltdOrgsAmt115700
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsRltdOrgsAmt215700
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm0E CRAIG YOUNG
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm1THOMAS MITTELBRUN III
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm2MICHELE DAVIS
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm3JAMES PELTIER
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm4KIMBERLY L'HEUREUX
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt0BENEFITS DIRECTOR
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt1TRUSTEE
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt2ASS'T BENE. DIRECTOR
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt3TRUSTEE
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt4TRUSTEE
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationFilingOrgAmt0402839
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationFilingOrgAmt1190839
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationRltdOrgsAmt0347955
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationRltdOrgsAmt1188884
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationRltdOrgsAmt2178854
IRS990ScheduleJ/SeverancePaymentInd0false
IRS990ScheduleJ/SupplementalNonqualRtrPlanInd0false
IRS990ScheduleJ/WrittenEmploymentContractInd0X
IRS990/ScheduleORequiredInd0true
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0THE FUND WAS ESTABLISHED BY COLLECTIVE-BARGAINING BETWEEN IBEW LOCAL 58 AND SMC NECA TO PROVIDE HEALTH INSURANCE TO MEMBER ELECTRICIANS AND THEIR FAMILIES. OVER 5,700 PARTICIPANTS AND 6,700 BENEFICIARIES & DEPENDENTS BENEFIT.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1THE FUND DID NOT EARN ANY UNRELATED BUSINESS INCOME DURING THE YEAR.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2PART VI, LINE 2: THE RELATIONSHIP BETWEEN THE TRUSTEES OF THE FUND IS A "BUSINESS RELATIONSHIP". THE FUND IS ESTABLISHED AND MAINTAINED PURSUANT TO THE EMPLOYEE RETIREMENT INCOME SECURITY ACT OF 1974, AS AMENDED. THE FUND, AS A TAFT HARTLEY FUND, IS ADMINISTERED BY A BOARD OF TRUSTEES WHICH IS COMPOSED OF AN EQUAL NUMBER OF UNION AND EMPLOYER REPRESENTATIVES. BECAUSE OF THIS ORGANIZATIONAL REQUIREMENT, THERE IS A BUSINESS RELATIONSHIP BETWEEN THE TRUSTEES.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3SEE SCHEDULE O
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4THE UNION AND THE EMPLOYER ASSOCIATION APPOINT TRUSTEES.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5THE BOARD REVIEWS FORM 990 BEFORE IT IS FILED.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6THE FUND ENFORCES ITS CONFLICT OF INTEREST POLICY IN ACCORDANCE WITH RULES OF ERISA OF 1974 GOVERNING PROHIBITED TRANSACTIONS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt7THE BENEFIT DIRECTOR'S COMPENSATION IS REVIEWED ANNUALLY BY INDEPENDENT BOARD MEMBERS. THE BOARD REVIEWS COMPARABLE DATA OF BASE AND VARIABLE COMPENSATION TO INDUSTRY STANDARDS. MEETING MINUTES ARE MAINTAINED IN WRITTEN FORM.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt8THE BOARD APPROVES A BUDGET WHERE THE COMPENSATION OF ALL EMPLOYEES ARE LISTED. MEETING MINUTES ARE MAINTAINED IN WRITTEN FORM.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt9GOVERNING DOCUMENTS, POLICIES, AND FINANCIAL STATEMENTS ARE AVAILABLE TO THE PUBLIC UPON REQUEST.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt10KIMBERLY L'HEUREUX AVERAGED 40 HOURS A WEEK FOR A RELATED ORGANIZATION. WAGES WERE TAKEN FROM A DEPT. OF LABOR FILING AND THE FRINGES WERE ESTIMATED. JAMES PELTIER AVERAGED 40 HOURS A WEEK FOR A RELATED ORGANIZATION. WAGES WERE TAKEN FROM A DEPT. OF LABOR FILING AND THE FRINGES WERE ESTIMATED. THOMAS MITTELBRUN, III AVERAGED 40 HOURS A WEEK FOR A RELATED ORGANIZATION. ACTUAL AMOUNTS ARE REPORTED. JOSEPH DIEDERICHS AVERAGED .80 HOURS A WEEK FOR A RELATED ORGANIZATION. WAGES WERE TAKEN FROM A FRINGE BENEFIT REPORT.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt11PREMIUM PAYABLE -BEGINNING OF YR -611,266 PREMIUMS PAYABLE-END OF YR 759,020 TOTAL 147,754
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0FORM 990 - ORGANIZATION'S MISSION
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1FORM 990, PAGE 5, PART V, LINE 3B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2FORM 990, PART VI
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3FORM 990, PAGE 6, PART VI, LINE 2
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4FORM 990, PAGE 6, PART VI, LINE 7A
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5FORM 990, PAGE 6, PART VI, LINE 11B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc6FORM 990, PAGE 6, PART VI, LINE 12C
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc7FORM 990, PAGE 6, PART VI, LINE 15A
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc8FORM 990, PAGE 6, PART VI, LINE 15B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc9FORM 990, PAGE 6, PART VI, LINE 19
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc10FORM 990, PAGE 7, PART VII
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc11FORM 990, PART XI, LINE 9
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IRS990ScheduleR/AssetPurchaseFromOtherOrgInd0false
IRS990ScheduleR/AssetSaleToOtherOrgInd0false
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IRS990ScheduleR/GiftGrntOrCapContriToOthOrgInd0false
IRS990ScheduleR/IdDisregardedEntitiesGrp/DirectControllingEntityName/BusinessNameLine1Txt0ELECTRICAL
IRS990ScheduleR/IdDisregardedEntitiesGrp/DirectControllingEntityName/BusinessNameLine2Txt0WORKERS' INSURANCE FUND
IRS990ScheduleR/IdDisregardedEntitiesGrp/DisregardedEntityName/BusinessNameLine1Txt0EWIF BENEFITS SERVICES LLC
IRS990ScheduleR/IdDisregardedEntitiesGrp/EIN0471162450
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IRS990ScheduleR/IdDisregardedEntitiesGrp/USAddress/AddressLine1Txt02277 E 11 MILE RD STE 2
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IRS990ScheduleR/IdRelatedOrgTxblCorpTrGrp/DirectControllingEntityName/BusinessNameLine1Txt0EWIF BENE-
IRS990ScheduleR/IdRelatedOrgTxblCorpTrGrp/DirectControllingEntityName/BusinessNameLine2Txt0FITS SERVICES LLC
IRS990ScheduleR/IdRelatedOrgTxblCorpTrGrp/DirectControllingNACd0N/A
IRS990ScheduleR/IdRelatedOrgTxblCorpTrGrp/EIN0383036973
IRS990ScheduleR/IdRelatedOrgTxblCorpTrGrp/EntityTypeTxt0C CORP
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IRS990ScheduleR/IdRelatedOrgTxblCorpTrGrp/PrimaryActivitiesTxt0CLAIMS PRO
IRS990ScheduleR/IdRelatedOrgTxblCorpTrGrp/RelatedOrganizationName/BusinessNameLine1Txt0PROFESSIONAL BENEFITS SERVICES INC
IRS990ScheduleR/IdRelatedOrgTxblCorpTrGrp/RelatedOrganizationName/BusinessNameLine1Txt1SEE PART VII
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IRS990ScheduleR/IdRelatedOrgTxblCorpTrGrp/ShareOfTotalIncomeAmt06873989
IRS990ScheduleR/IdRelatedOrgTxblCorpTrGrp/USAddress/AddressLine1Txt02959 LUCERNE DRIVE SE
IRS990ScheduleR/IdRelatedOrgTxblCorpTrGrp/USAddress/CityNm0GRAND RAPIDS
IRS990ScheduleR/IdRelatedOrgTxblCorpTrGrp/USAddress/StateAbbreviationCd0MI
IRS990ScheduleR/IdRelatedOrgTxblCorpTrGrp/USAddress/ZIPCd049546
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IRS990ScheduleR/IdRelatedOrgTxblPartnershipGrp/GeneralOrManagingPartnerInd0false
IRS990ScheduleR/IdRelatedOrgTxblPartnershipGrp/RelatedOrganizationName/BusinessNameLine1Txt0SEE PART VII
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IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/ControlledOrganizationInd2false
IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/ControlledOrganizationInd3false
IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/ControlledOrganizationInd4false
IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/ControlledOrganizationInd5false

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

Displayed year

2023 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$117,212,126
Liabilities
$1,426,801
Net assets
$115,785,325
Revenue
$71,557,544
Expenses
$74,914,679
Net income
-$3,357,135
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Facts available. Structured filing facts are available, but richer extracted sections are limited.$130$1.39$129$81.5$80.3$1.14
2023Detailed filing. Detailed filing data is available for this year.$117$1.43$116$71.6$74.9$3.36
2022Facts available. Structured filing facts are available, but richer extracted sections are limited.$117$1.06$116$68.2$80.5$12.3
2021XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$150$2.03$148$72.6$74.1$1.48
2020XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$147$3.37$143$66.1$66.2$0.11
2019XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$139$0.69$138$65.3$55.9$9.38
2018Facts available. Structured filing facts are available, but richer extracted sections are limited.$127$0.71$126$72.3$64.6$7.65
2017XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$122$1.74$120$87.6$60.6$27.0
2016XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$97.5$0.35$97.1$61.6$57.4$4.22
2015XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$91.0$0.41$90.6$63.1$52.2$10.9
2014Detailed filing. Detailed filing data is available for this year.$82.3$1.03$81.2$55.7$50.6$5.04
2013Facts available. Structured filing facts are available, but richer extracted sections are limited.$74.4$0.26$74.1$60.7$50.1$10.6
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$64.2$0.21$64.0$55.3
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$56.3$0.42$55.8$53.6
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$50.5$0.19$50.3$55.4
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