Civic Intelligence

Michigan Education Special Services Assn

EIN 38-1641634 • 501(c)9 • East Lansing, MI

View Organization Page

Profile

To serve the members of the michigan education association by providing comprehensive health and related employee benefit plans which respond to the financial and special requirements of the membership, with a continued commitment to personalized service.

1475 Kendale BlvdEast Lansing, MI 48823

www.messa.org

Siviq Scores

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

Liabilities / Assets

39th percentile

0.23x

Higher debt load relative to assets than 39% of similar nonprofits.

$1B+ nonprofits • Source year 2024

Liabilities / Revenue

17th percentile

0.12x

Higher debt load relative to revenue than 17% of similar nonprofits.

$1B+ nonprofits • Source year 2024

Net Margin

10th percentile

-6.8%

Higher net margin than 10% of similar nonprofits.

$1B+ nonprofits • Source year 2024

Top Officer Pay

11th percentile

$361,665

Higher top officer pay than 11% of similar nonprofits.

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

$1B+ nonprofits • Source year 2024

Asset Growth

8th percentile

-4.2%

Faster asset growth than 8% of similar nonprofits.

$1B+ nonprofits • Annualized from 2023 to 2024

Revenue Growth

27th percentile

5.0%

Faster revenue growth than 27% of similar nonprofits.

$1B+ nonprofits • Annualized from 2023 to 2024

Balance Sheet
Liabilities / Assets39th percentile

Assets

Down

$757,257,126

Down $33,292,296 (-4.2%) from 2023

Liabilities

Up

$171,236,093

Up $18,946,061 (+12%) from 2023

Net Assets

Down

$586,021,033

Down $52,238,357 (-8.2%) from 2023

Operations
Liabilities / Revenue17th percentileNet Margin10th percentile

Revenue

Up

$1,374,690,598

Up $65,311,168 (+5.0%) from 2023

Expenses

Up

$1,468,367,509

Up $94,939,734 (+6.9%) from 2023

Net Income

Down

-$93,676,911

Down $29,628,566 (-46%) from 2023

Trend Graphs

Balance Sheet Trend

Asset Growth8th percentile

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

$1.0B$500M$0Assets 2010: $356,950,448Liabilities 2010: $109,171,177Net Assets 2010: $247,779,2712010Assets 2011: $492,757,874Liabilities 2011: $101,323,934Net Assets 2011: $391,433,9402011Assets 2012: $548,195,934Liabilities 2012: $147,970,857Net Assets 2012: $400,225,0772012Assets 2013: $557,841,371Liabilities 2013: $86,908,801Net Assets 2013: $470,932,5702013Assets 2014: $626,691,813Liabilities 2014: $131,173,216Net Assets 2014: $495,518,5972014Assets 2015: $547,974,748Liabilities 2015: $196,258,386Net Assets 2015: $351,716,3622015Assets 2016: $512,052,414Liabilities 2016: $278,091,393Net Assets 2016: $233,961,0212016Assets 2017: $522,149,026Liabilities 2017: $187,088,457Net Assets 2017: $335,060,5692017Assets 2018: $581,141,046Liabilities 2018: $207,679,533Net Assets 2018: $373,461,5132018Assets 2019: $733,822,981Liabilities 2019: $138,770,486Net Assets 2019: $595,052,4952019Assets 2020: $824,142,549Liabilities 2020: $142,278,716Net Assets 2020: $681,863,8332020Assets 2021: $876,609,590Liabilities 2021: $115,670,990Net Assets 2021: $760,938,6002021Assets 2022: $749,863,500Liabilities 2022: $100,631,513Net Assets 2022: $649,231,9872022Assets 2023: $790,549,422Liabilities 2023: $152,290,032Net Assets 2023: $638,259,3902023Assets 2024: $757,257,126Liabilities 2024: $171,236,093Net Assets 2024: $586,021,0332024

Highlighted filing

2024

Assets$757,257,126
Liabilities$171,236,093
Net Assets$586,021,033
Open 2024 Filing

Operations Trend

Revenue Growth27th percentile

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

$1.5B$1.0B$500M$0-$500MExpenses 2010: $1,268,836,7692010Expenses 2011: $1,180,731,2792011Expenses 2012: $1,104,861,6942012Revenue 2013: $1,073,270,785Expenses 2013: $1,064,802,015Net Income 2013: $8,468,7702013Revenue 2014: $1,139,030,063Expenses 2014: $1,134,608,641Net Income 2014: $4,421,4222014Revenue 2015: $1,174,289,269Expenses 2015: $1,235,508,200Net Income 2015: -$61,218,9312015Revenue 2016: $1,216,880,624Expenses 2016: $1,305,745,252Net Income 2016: -$88,864,6282016Revenue 2017: $1,202,409,841Expenses 2017: $1,148,819,421Net Income 2017: $53,590,4202017Revenue 2018: $1,175,592,382Expenses 2018: $1,148,925,733Net Income 2018: $26,666,6492018Revenue 2019: $1,129,888,396Expenses 2019: $1,106,436,724Net Income 2019: $23,451,6722019Revenue 2020: $1,163,668,963Expenses 2020: $1,080,563,685Net Income 2020: $83,105,2782020Revenue 2021: $1,230,720,543Expenses 2021: $1,190,053,420Net Income 2021: $40,667,1232021Revenue 2022: $1,264,034,575Expenses 2022: $1,263,215,692Net Income 2022: $818,8832022Revenue 2023: $1,309,379,430Expenses 2023: $1,373,427,775Net Income 2023: -$64,048,3452023Revenue 2024: $1,374,690,598Expenses 2024: $1,468,367,509Net Income 2024: -$93,676,9112024

Highlighted filing

2024

Revenue$1,374,690,598
Expenses$1,468,367,509
Net Income-$93,676,911
Open 2024 Filing

Filings

Most recent year

2024 • Form 990Facts available. Structured filing facts are available, but richer extracted sections are limited.

Open filing
Assets
$757,257,126
Liabilities
$171,236,093
Net assets
$586,021,033
Revenue
$1,374,690,598
Expenses
$1,468,367,509
Net income
-$93,676,911
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Facts available. Structured filing facts are available, but richer extracted sections are limited.$757$171$586$1,375$1,468$93.7
2023XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$791$152$638$1,309$1,373$64.0
2022Facts available. Structured filing facts are available, but richer extracted sections are limited.$750$101$649$1,264$1,263$0.82
2021XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$877$116$761$1,231$1,190$40.7
2020XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$824$142$682$1,164$1,081$83.1
2019Facts available. Structured filing facts are available, but richer extracted sections are limited.$734$139$595$1,130$1,106$23.5
2018XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$581$208$373$1,176$1,149$26.7
2017XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$522$187$335$1,202$1,149$53.6
2016Detailed filing. Detailed filing data is available for this year.$512$278$234$1,217$1,306$88.9
2015XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$548$196$352$1,174$1,236$61.2
2014Detailed filing. Detailed filing data is available for this year.$627$131$496$1,139$1,135$4.42
2013Facts available. Structured filing facts are available, but richer extracted sections are limited.$558$86.9$471$1,073$1,065$8.47
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$548$148$400$1,105
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$493$101$391$1,181
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$357$109$248$1,269
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2024 to Dec 31, 2024
Signed
Sep 18, 2025
Return Version
2024v5.2
Gross Receipts
$1,492,186,678
Mission and Program Overview

Mission

To exceed the expectations of our customers by providing extraordinary service and a superior healthcare experience.

To provide members with group insurance benefits.

Balance Sheet Detail
LineBeginningEndChange
Assets
Cap Stk Tr Prin Current Funds$638,259,390$586,021,033▼ $52,238,357
Investments in Publicly Traded Securities$475,991,380$498,895,330▲ $22,903,950
Prepaid Expenses and Deferred Charges$123,593,147$153,401,302▲ $29,808,155
Savings and Temporary Cash Investments$161,307,724$91,289,074▼ $70,018,650
Land, Buildings, and Equipment, Net$11,409,980$9,883,243▼ $1,526,737
Cash and Non-Interest-Bearing Accounts$14,487,362$309,682▼ $14,177,680
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Rtn Earn Endowment Incm Other Fnds$0$0→ $0
Total Assets$790,549,422$757,257,126▼ $33,292,296
Other Assets Total$3,759,829$3,478,495▼ $281,334
Liabilities
Other Liabilities$88,612,044$119,903,411▲ $31,291,367
Deferred Revenue$55,452,928$43,066,033▼ $12,386,895
Accounts Payable and Accrued Expenses$8,225,060$8,266,649▲ $41,589
Total Liabilities$152,290,032$171,236,093▲ $18,946,061
Net Assets / Fund Balance
Total Net Assets Fund Balance$638,259,390$586,021,033▼ $52,238,357
Total Liabilities and Net Assets / Fund Balance$790,549,422$757,257,126▼ $33,292,296

Asset Categories

AssetBook ValueDepreciationBasis
Equipment$2,455,411$30,501,213$32,956,624
Buildings$6,709,492$9,111,469$15,820,961
Other Land Buildings$0$833,635$833,635
Land$718,340-$718,340
Compensation and Service Providers
Top Officer Pay11th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Ross WilsonExecutive DirectorFT$283,233$78,432$361,665
David WeismantelMedical DirectorFT$252,740$54,870$307,610
Matt NyquistDirector of Health Plan OpFT$229,171$72,345$301,516
Karen SchulzDirector of Member ServiceFT$225,322$72,345$297,667
Joseph FirestoneGeneral CounselFT$223,296$65,369$288,665
David ZolinskiDirector of It DeliveryFT$215,939$67,306$283,245

Board Members and Trustees

NameTitle
Sarah CarterPresident
Lisa WelchPresident (ended 07/24)
Eric GhiggiaVice President
Aaron ElingTrustee
Bob CallenderTrustee
Brett SmithTrustee
Candice RidleyTrustee
Chandra MadafferiTrustee
Charlotte TillersonTrustee
Deven ParrishTrustee
Jessyca MathewsTrustee
Marcia MackeyTrustee
Rich Vander KlokTrustee
Roy FreemanTrustee
Becky NewellTrustee (ended 07/24)
Becky KennedyTrustee (ended 08/24)

Highest Paid Contractors

ContractorServicesLocationCompensation
Bswift LLCOnline Technology10 S RIVERSIDE PLAZA STE 1100, Chicago, IL 60606$1,450,184
Guidepoint Security LLCCloud Security2201 COOPERATIVE WAY SUITE 225, Herndon, VA 20171$1,336,398
Preferred Case ManagementCase Management139 W LAKE LANSING RD STE 100, East Lansing, MI 48823$1,159,336
Entech Medical StaffingHome Health CarePO BOX 776419, Chicago, IL 60677-6419$983,597
Zelis Payments Holdings LLCCheck Processing Service340 MT KEMBLE AVE SUITE 200, Morristown, NJ 07960$901,299
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$1,350,668,217
Investment Income
$24,022,381
Other Revenue
$0
Change in Net Assets
$-93,676,911

Audited Revenue Reconciliation

Revenue per Audited Statements
$1,381,195,657
Revenue Not Reported on Financial Statements
$-6,505,059
Revenue Not Reported on Form 990
$20,561,182
Other Revenue Adjustments
$-7,499,597
Total Revenue per Audited Statements
$1,401,756,839
Total Revenue per Form 990
$1,374,690,598
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Salaries, Compensation, and Employee Benefits$28,060,087
Other Expenses$22,208,135
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Benefits to Members---$1,418,099,287
Other Salaries and Wages---$28,348,667
Other Employee Benefits---$7,725,954
Office Expenses---$6,540,364
Advertising---$5,518,348
Payroll Taxes---$2,239,343
Occupancy---$2,074,394
Depreciation Depletion---$1,505,772
Fees for Services Other---$1,202,748
Travel---$1,190,615
Fees for Service Investment Mgmnt Fees---$994,538
Conferences and Meetings---$749,007
Fees for Services Accounting---$740,126
Current Officers, Directors, Trustees, and Key Employees---$361,665
Insurance---$262,556
Fees for Services Legal---$105,175
Information Technology---$73,802
Other Expenses---$52,570
Pension Plan Contributions---$-10,615,542
Total Functional Expenses$0$0$0$1,468,367,509

Audited Expense Reconciliation

Line ItemAmount
Total Expenses per Audited Statements$1,620,813,190
Expenses per Audited Statements$1,474,872,568
Total Expenses per Form 990$1,468,367,509
Expenses Not Reported on Form 990$145,940,622
Expenses Not Reported on Financial Statements$-6,505,059
Other Expense Adjustments$-7,499,597
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
Rate Stabilization$104,817,511
Accrued Pension Cost$9,268,077
Due to Insurance Companies$5,817,823
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, Section A, Line 6

“MEMBERS PER BYLAWS”

Form 990, Part VI, Section A, Line 7A

“Messa board is elected by the general membership.”

Form 990, Part VI, Section B, Line 11B

“The controller reviews the form 990. After review and approval the form 990 then goes to the executive director for final review and signature. The return is then filed with the irs.”

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

“The messa board of trustees adopted a conflict of interest policy and each trustee signs a statement. The policy will be reviewed with the board of trustees annually and an updated statement will be signed by each trustee at that time. The policy is reviewed with new board of trustee members at the start of his/her term and a statement is signed by the new trustee at that time.”

Form 990, Part VI, Section B, Line 15

“Salaries are set by board approved salary schedules.”

Form 990, Part VI, Section C, Line 19

“Documents are available upon request to messa administration”

Filing and Contact Details

Filer

Filer Name
Michigan Education Special Services Assn
EIN
38-1641634
Phone
5173326551
Address
1475 KENDALE BLVD, EAST LANSING, MI 48823

Signing Officer

Name
Ross Wilson
Title
Executive Director
Phone
5173326551
Signed
2025-09-18
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Ross Wilson
Formed
1960
Legal Domicile
Mi
Voting Board Members
13
Independent Board Members
13
Employees
398
Volunteers
13

Preparer

Firm
Maner Costerisan Pc
Address
2425 E GRAND RIVER SUITE 1, LANSING, MI 48912-3291
Preparer
Brandy L Mikula CPA
Phone
5173237500
Supplemental Narrative

Additional Explanations

Form 990, Part IX, Line 8

“Decrease due to actuarial assumptions reflected through the net periodic benefit cost caused pension expense for the current year to be negative.”

FORM 990, PART XI, LINE 9:

“Adjustment for minimum pension liabililty 20,877,372.”

Financial Statement Notes

PART X, LINE 2:

“In the preparation of tax returns, tax positions are taken based on interpretation of federal, state and local income tax laws. Management periodically reviews and evaluates the status of uncertain tax positions and makes estimates of amounts, including interest and penalties, ultimately due or owed. No amounts have been identified, or recorded, as uncertain tax positions. Federal, state and local tax returns generally remain open for examination by the various taxing authorities for a period of three to four years.”

PART XI, LINE 4B - OTHER ADJUSTMENTS:

“Rate stabilization reserve interest loss -7,499,597.”

PART XII, LINE 2D - OTHER ADJUSTMENTS:

“Customer savings refund 145,940,622.”

PART XII, LINE 4B - OTHER ADJUSTMENTS:

“Rate stabilization reserve interest -7,499,597.”

Raw XML AppendixShowing 400 of 636 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.

Path#Value
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IRS990/Form990PartVIISectionAGrp/OfficerInd2X
IRS990/Form990PartVIISectionAGrp/OfficerInd3X
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IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt154870
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IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt372345
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt465369
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt567306
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt60
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IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt100
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt110
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt120
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt130
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IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt180
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IRS990/Form990PartVIISectionAGrp/PersonNm3KAREN SCHULZ
IRS990/Form990PartVIISectionAGrp/PersonNm4JOSEPH FIRESTONE
IRS990/Form990PartVIISectionAGrp/PersonNm5DAVID ZOLINSKI
IRS990/Form990PartVIISectionAGrp/PersonNm6CANDICE RIDLEY
IRS990/Form990PartVIISectionAGrp/PersonNm7BOB CALLENDER
IRS990/Form990PartVIISectionAGrp/PersonNm8ROY FREEMAN
IRS990/Form990PartVIISectionAGrp/PersonNm9MARCIA MACKEY
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IRS990/Form990PartVIISectionAGrp/PersonNm11RICH VANDER KLOK
IRS990/Form990PartVIISectionAGrp/PersonNm12BECKY KENNEDY
IRS990/Form990PartVIISectionAGrp/PersonNm13AARON ELING
IRS990/Form990PartVIISectionAGrp/PersonNm14BRETT SMITH
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IRS990/Form990PartVIISectionAGrp/PersonNm17CHARLOTTE TILLERSON
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IRS990/Form990PartVIISectionAGrp/PersonNm21LISA WELCH
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IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt210
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IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt200
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt210
IRS990/Form990PartVIISectionAGrp/TitleTxt0EXECUTIVE DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt1MEDICAL DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt2DIRECTOR OF HEALTH PLAN OP
IRS990/Form990PartVIISectionAGrp/TitleTxt3DIRECTOR OF MEMBER SERVICE
IRS990/Form990PartVIISectionAGrp/TitleTxt4GENERAL COUNSEL
IRS990/Form990PartVIISectionAGrp/TitleTxt5DIRECTOR OF IT DELIVERY
IRS990/Form990PartVIISectionAGrp/TitleTxt6TRUSTEE
IRS990/Form990PartVIISectionAGrp/TitleTxt7TRUSTEE
IRS990/Form990PartVIISectionAGrp/TitleTxt8TRUSTEE
IRS990/Form990PartVIISectionAGrp/TitleTxt9TRUSTEE
IRS990/Form990PartVIISectionAGrp/TitleTxt10TRUSTEE
IRS990/Form990PartVIISectionAGrp/TitleTxt11TRUSTEE
IRS990/Form990PartVIISectionAGrp/TitleTxt12TRUSTEE (ENDED 08/24)
IRS990/Form990PartVIISectionAGrp/TitleTxt13TRUSTEE
IRS990/Form990PartVIISectionAGrp/TitleTxt14TRUSTEE
IRS990/Form990PartVIISectionAGrp/TitleTxt15TRUSTEE
IRS990/Form990PartVIISectionAGrp/TitleTxt16TRUSTEE
IRS990/Form990PartVIISectionAGrp/TitleTxt17TRUSTEE
IRS990/Form990PartVIISectionAGrp/TitleTxt18TRUSTEE (ENDED 07/24)
IRS990/Form990PartVIISectionAGrp/TitleTxt19VICE PRESIDENT
IRS990/Form990PartVIISectionAGrp/TitleTxt20PRESIDENT
IRS990/Form990PartVIISectionAGrp/TitleTxt21PRESIDENT (ENDED 07/24)
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IRS990/ScheduleBRequiredInd00
IRS990ScheduleD/BuildingsGrp/BookValueAmt06709492

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