Civic Intelligence

Tile Marble & Terrazzo Insurance Marble Insurance Fund

EIN 38-2988356 • 501(c)9 • Troy, MI

Profile

Provide health and welfare benefits.

700 Tower Drive Suite 300Troy, MI 48098

bac2tilefringe.org

Siviq Scores

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

Liabilities / Assets

97th percentile

1.02x

Higher debt load relative to assets than 97% of similar nonprofits.

501(c)9 • $1M-$5M nonprofits • Source year 2016

Liabilities / Revenue

93rd percentile

0.40x

Higher debt load relative to revenue than 93% of similar nonprofits.

501(c)9 • $1M-$5M nonprofits • Source year 2016

Net Margin

10th percentile

-60%

Higher net margin than 10% of similar nonprofits.

501(c)9 • $1M-$5M nonprofits • Source year 2016

Top Officer Pay

79th percentile

$123,781

Higher top officer pay than 79% of similar nonprofits.

Top officer pay equals 4.2% of source-year revenue.

501(c)9 • $1M-$5M nonprofits • Source year 2016

Asset Growth

17th percentile

-54%

Faster asset growth than 17% of similar nonprofits.

501(c)9 • $1M-$5M nonprofits • Annualized from 2015 to 2016

Revenue Growth

33rd percentile

-2.3%

Faster revenue growth than 33% of similar nonprofits.

501(c)9 • $1M-$5M nonprofits • Annualized from 2015 to 2016

Assets

Down

$1,151,348

Down $1,368,086 (-54%) from 2015

Liabilities

Up

$1,174,017

Up $404,045 (+52%) from 2015

Net Assets

Down

-$22,669

Down $1,772,131 (-101%) from 2015

Revenue

Down

$2,928,903

Down $69,048 (-2.3%) from 2015

Expenses

Up

$4,685,508

Up $1,363,276 (+41%) from 2015

Net Income

Down

-$1,756,605

Down $1,432,324 (-442%) from 2015

Trend Graphs

Balance Sheet Trend

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

$4.0M$3.0M$2.0M$1.0M$0-$1.0MAssets 2011: $3,245,627Liabilities 2011: $482,641Net Assets 2011: $2,762,9862011Assets 2012: $3,209,373Liabilities 2012: $438,039Net Assets 2012: $2,771,3342012Assets 2013: $3,361,904Liabilities 2013: $564,179Net Assets 2013: $2,797,7252013Assets 2014: $2,756,972Liabilities 2014: $646,093Net Assets 2014: $2,110,8792014Assets 2015: $2,519,434Liabilities 2015: $769,972Net Assets 2015: $1,749,4622015Assets 2016: $1,151,348Liabilities 2016: $1,174,017Net Assets 2016: -$22,6692016

Highlighted filing

2016

Assets$1,151,348
Liabilities$1,174,017
Net Assets-$22,669

Operations Trend

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

$6.0M$4.0M$2.0M$0-$2.0MExpenses 2011: $2,801,1822011Expenses 2012: $2,986,2392012Revenue 2013: $3,005,275Expenses 2013: $3,026,944Net Income 2013: -$21,6692013Revenue 2014: $2,844,742Expenses 2014: $3,457,244Net Income 2014: -$612,5022014Revenue 2015: $2,997,951Expenses 2015: $3,322,232Net Income 2015: -$324,2812015Revenue 2016: $2,928,903Expenses 2016: $4,685,508Net Income 2016: -$1,756,6052016

Highlighted filing

2016

Revenue$2,928,903
Expenses$4,685,508
Net Income-$1,756,605

Filings

Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
May 1, 2015 to Apr 30, 2016
Signed
Dec 21, 2016
Return Version
2015v3.0
Gross Receipts
$4,277,272
Mission and Program Overview

Mission

Provide health and welfare benefits.

Balance Sheet Detail
LineBeginningEndChange
Assets
Accounts Receivable$469,661$451,094▼ $18,567
Investments in Publicly Traded Securities$1,392,723$368,957▼ $1,023,766
Savings and Temporary Cash Investments$571,829$246,146▼ $325,683
Prepaid Expenses and Deferred Charges$85,221$85,151▼ $70
Rtn Earn Endowment Incm Other Fnds$1,749,462$-22,669▼ $1,772,131
Total Assets$2,519,434$1,151,348▼ $1,368,086
Liabilities
Other Liabilities$718,000$1,127,000▲ $409,000
Accounts Payable and Accrued Expenses$51,972$47,017▼ $4,955
Total Liabilities$769,972$1,174,017▲ $404,045
Net Assets / Fund Balance
Total Net Assets Fund Balance$1,749,462$-22,669▼ $1,772,131
Total Liabilities and Net Assets / Fund Balance$2,519,434$1,151,348▼ $1,368,086
Compensation and Service Providers

Employees

NameTitleOtherTotal
Mark KingSecretary$123,781$123,781
Chuck KukawakaChairman$99,824$99,824
Nelson McmathTrustee$97,248$97,248
Pete AccicaTrustee$95,790$95,790
Tim OchalekTrustee$94,983$94,983

Board Members and Trustees

NameTitle
Robert MichieluttiChairman/sec
Jack DigiovanniTrustee
Michael MaiuriTrustee
Ron CappTrustee

Highest Paid Contractors

ContractorServicesLocationCompensation
Benesys INCAdministrator700 TOWER DRIVE SUITE 300, Troy, MI 48098$190,146
Novara Tesiga PllcLegal2000 TOWN CENTER SUITE 2370, Southfield, MI 48075-1314$143,512
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$2,861,104
Investment Income
$-8,961
Other Revenue
$76,760
Change in Net Assets
$-1,756,605

Audited Revenue Reconciliation

Revenue per Audited Statements
$2,923,541
Revenue Not Reported on Financial Statements
$5,362
Revenue Not Reported on Form 990
$-15,526
Total Revenue per Audited Statements
$2,908,015
Total Revenue per Form 990
$2,928,903
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$347,152
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$4,338,356--$4,338,356
Fees for Services Management-$140,031-$140,031
Fees for Services Legal-$121,920-$121,920
Office Expenses-$30,093-$30,093
Fees for Services Accounting-$28,012-$28,012
Conferences and Meetings-$8,773-$8,773
Fees for Services Other-$8,255-$8,255
Fees for Service Investment Mgmnt Fees-$5,362-$5,362
Insurance-$3,266-$3,266
Other Expenses-$1,440-$1,440
Total Functional Expenses$4,338,356$347,152$0$4,685,508

Audited Expense Reconciliation

Line ItemAmount
Total Expenses per Form 990$4,685,508
Expenses per Audited Statements$4,680,146
Total Expenses per Audited Statements$4,680,146
Expenses Not Reported on Financial Statements$5,362
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
Accumulated Eligibility Credits$566,000
Claims Incurred But Not Reported$561,000
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
Yes
Audit committee
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

Line 2 - family relationship or business relationship - the relationship

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

All board members are elected by the membership into officer positions, from which they hold their trusteeshp ex officio.

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

The form 990 is presented and approved at meeting of the board of trustees, subject to approval and review by the fund legal counsel.

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

The trustee sharl provide his or her full coopertion to the board, in order to ensure that the board has a complete understanding of the conflict and its effect on the fund operations. He or she shall answer any questions posed by the board to the best of his or her ability, and shall supply the board with any relevant documenatation related to the conflict, upon request. Futhermore, a trustee with a conflict of interest shall not vote on matters where the conflict is applicable. Such trustee also shall not participate in duscussions as an advocate on matters affecting his or her personal interests at meetings or through private contacts with the conflicting party, but may respond to requets for factual information from other trustees needed to reach an informed decision. In addition, in some situations, a trustee who is determined to have a conflict of interst may be requested by the board to not be present during the review of such matters, to avoid inhibiting free discussion by the board. The duty to disclose conflicts of interest is an ongoing one. Any material changes in status or information regarding the conflict shall be disclosed to the board either verbally or in writing, during any regularly scheduled trustees' meetings.

Form 990, Page 6, Part VI, Line 19

The fund is established and maintained pursuant to the employee retirement security act of 1974, as amended. It operates in compliance with the reporting and disclosure requirements of subtitle b, part 1 erisa with respect to disclosure of its governing documents and financial informaiton. It operates in compliance with the fiduciary responsibility requirements of subtitle b, part 4 of erisa.

Form 990, Part VII

Line 1a - the turstees of the fund serve without compensation from the fund

Filing and Contact Details

Filer

Filer Name
Tile Marble & Terrazzo Insurance
EIN
38-2988356
Phone
2488139800
Address
700 TOWER DRIVE SUITE 300, TROY, MI 48098

Signing Officer

Name
Chuck Kukawaka
Title
Chairman
Phone
2488224148
Signed
2016-12-21
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Chuck Kukawaka
Voting Board Members
8
Independent Board Members
4
Employees
0

Preparer

Firm
Benda Grace Stulz & Company Pc
Address
38800 VAN DYKE AVE STE 100, STERLING HEIGHTS, MI 48312
Preparer
Bryan Stulz
Phone
5868836240
Raw XML Appendix386 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
IRS990/AccountantCompileOrReviewInd0false
IRS990/AccountsPayableAccrExpnssGrp/BOYAmt051972
IRS990/AccountsPayableAccrExpnssGrp/EOYAmt047017
IRS990/AccountsReceivableGrp/BOYAmt0469661
IRS990/AccountsReceivableGrp/EOYAmt0451094
IRS990/ActivitiesConductedPrtshpInd0false
IRS990/ActivityOrMissionDesc0PROVIDE HEALTH AND WELFARE BENEFITS.
IRS990/AnnualDisclosureCoveredPrsnInd0true
IRS990/AuditCommitteeInd0true
IRS990/BenefitsToMembersGrp/ProgramServicesAmt04338356
IRS990/BenefitsToMembersGrp/TotalAmt04338356
IRS990/BooksInCareOfDetail/BusinessName/BusinessNameLine1Txt0BENESYS INC
IRS990/BooksInCareOfDetail/PhoneNum02488139800
IRS990/BooksInCareOfDetail/USAddress/AddressLine1Txt0700 TOWER DRIVE SUITE 300
IRS990/BooksInCareOfDetail/USAddress/CityNm0TROY
IRS990/BooksInCareOfDetail/USAddress/StateAbbreviationCd0MI
IRS990/BooksInCareOfDetail/USAddress/ZIPCd048098
IRS990/BusinessRlnWithFamMemInd0false
IRS990/BusinessRlnWithOfficerEntInd0false
IRS990/BusinessRlnWithOrgMemInd0false
IRS990/ChangeToOrgDocumentsInd0false
IRS990/CntrctRcvdGreaterThan100KCnt02
IRS990/CollectionsOfArtInd0false
IRS990/CompensationFromOtherSrcsInd0false
IRS990/CompensationProcessCEOInd0false
IRS990/CompensationProcessOtherInd0false
IRS990/ConferencesMeetingsGrp/ManagementAndGeneralAmt08773
IRS990/ConferencesMeetingsGrp/TotalAmt08773
IRS990/ConflictOfInterestPolicyInd0true
IRS990/ConservationEasementsInd0false
IRS990/ConsolidatedAuditFinclStmtInd0false
IRS990/ContractorCompensationGrp/CompensationAmt0190146
IRS990/ContractorCompensationGrp/CompensationAmt1143512
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/AddressLine1Txt0700 TOWER DRIVE SUITE 300
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/AddressLine1Txt12000 TOWN CENTER SUITE 2370
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/CityNm0TROY
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/CityNm1SOUTHFIELD
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/StateAbbreviationCd0MI
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/StateAbbreviationCd1MI
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/ZIPCd048098
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/ZIPCd1480751314
IRS990/ContractorCompensationGrp/ContractorName/BusinessName/BusinessNameLine1Txt0BENESYS INC
IRS990/ContractorCompensationGrp/ContractorName/BusinessName/BusinessNameLine1Txt1NOVARA TESIGA PLLC
IRS990/ContractorCompensationGrp/ServicesDesc0ADMINISTRATOR
IRS990/ContractorCompensationGrp/ServicesDesc1LEGAL
IRS990/CreditCounselingInd0false
IRS990/CYBenefitsPaidToMembersAmt04338356
IRS990/CYContributionsGrantsAmt00
IRS990/CYGrantsAndSimilarPaidAmt00
IRS990/CYInvestmentIncomeAmt0-8961
IRS990/CYOtherExpensesAmt0347152
IRS990/CYOtherRevenueAmt076760
IRS990/CYProgramServiceRevenueAmt02861104
IRS990/CYRevenuesLessExpensesAmt0-1756605
IRS990/CYSalariesCompEmpBnftPaidAmt00
IRS990/CYTotalExpensesAmt04685508
IRS990/CYTotalFundraisingExpenseAmt00
IRS990/CYTotalProfFndrsngExpnsAmt00
IRS990/CYTotalRevenueAmt02928903
IRS990/DecisionsSubjectToApprovaInd0false
IRS990/DeductibleArtContributionInd0false
IRS990/DeductibleNonCashContriInd0false
IRS990/DelegationOfMgmtDutiesInd0false
IRS990/Desc0TO PROVIDE HOSPITALIZATION, MEDICAL AND OTHER HEALTH CARE BENEFITS TO ELIGIBLE PLAN PARTICIPANTS.
IRS990/DescribedInSection501c3Ind0false
IRS990/DisregardedEntityInd0false
IRS990/DocumentRetentionPolicyInd0true
IRS990/DonorAdvisedFundInd0false
IRS990/ElectionOfBoardMembersInd0true
IRS990/EmployeeCnt00
IRS990/ExpenseAmt04338356
IRS990/FamilyOrBusinessRlnInd0false
IRS990/FederalGrantAuditRequiredInd0false
IRS990/FeesForServicesAccountingGrp/ManagementAndGeneralAmt028012
IRS990/FeesForServicesAccountingGrp/TotalAmt028012
IRS990/FeesForServicesLegalGrp/ManagementAndGeneralAmt0121920
IRS990/FeesForServicesLegalGrp/TotalAmt0121920
IRS990/FeesForServicesManagementGrp/ManagementAndGeneralAmt0140031
IRS990/FeesForServicesManagementGrp/TotalAmt0140031
IRS990/FeesForServicesOtherGrp/ManagementAndGeneralAmt08255
IRS990/FeesForServicesOtherGrp/TotalAmt08255
IRS990/FeesForSrvcInvstMgmntFeesGrp/ManagementAndGeneralAmt05362
IRS990/FeesForSrvcInvstMgmntFeesGrp/TotalAmt05362
IRS990/ForeignActivitiesInd0false
IRS990/ForeignFinancialAccountInd0false
IRS990/ForeignOfficeInd0false
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt040.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt140.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt240.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt340.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt440.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt50.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt60.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt70.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt80.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt01.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt11.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt21.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt31.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt41.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt51.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt61.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt71.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt81.00
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd0X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd1X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd2X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd3X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd4X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd5X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd6X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd7X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd8X
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt00
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt10
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt20
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt314905
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt414905
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt50
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt60
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt70
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt80
IRS990/Form990PartVIISectionAGrp/PersonNm0MARK KING
IRS990/Form990PartVIISectionAGrp/PersonNm1CHUCK KUKAWAKA
IRS990/Form990PartVIISectionAGrp/PersonNm2NELSON MCMATH
IRS990/Form990PartVIISectionAGrp/PersonNm3PETE ACCICA
IRS990/Form990PartVIISectionAGrp/PersonNm4TIM OCHALEK
IRS990/Form990PartVIISectionAGrp/PersonNm5ROBERT MICHIELUTTI
IRS990/Form990PartVIISectionAGrp/PersonNm6RON CAPP
IRS990/Form990PartVIISectionAGrp/PersonNm7JACK DIGIOVANNI
IRS990/Form990PartVIISectionAGrp/PersonNm8MICHAEL MAIURI
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt00
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt10
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt20
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt30
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt40
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt50
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt60
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt70
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt80
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt0123781
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt199824
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt297248
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt380885
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt480078
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt50
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt60
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt70
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt80
IRS990/Form990PartVIISectionAGrp/TitleTxt0SECRETARY
IRS990/Form990PartVIISectionAGrp/TitleTxt1CHAIRMAN
IRS990/Form990PartVIISectionAGrp/TitleTxt2TRUSTEE
IRS990/Form990PartVIISectionAGrp/TitleTxt3TRUSTEE
IRS990/Form990PartVIISectionAGrp/TitleTxt4TRUSTEE
IRS990/Form990PartVIISectionAGrp/TitleTxt5CHAIRMAN/SEC
IRS990/Form990PartVIISectionAGrp/TitleTxt6TRUSTEE
IRS990/Form990PartVIISectionAGrp/TitleTxt7TRUSTEE
IRS990/Form990PartVIISectionAGrp/TitleTxt8TRUSTEE
IRS990/Form990ProvidedToGvrnBodyInd0true
IRS990/FormerOfcrEmployeesListedInd0false
IRS990/FSAuditedBasisGrp/SeparateBasisFinclStmtInd0X
IRS990/FSAuditedInd0true
IRS990/FundraisingActivitiesInd0false
IRS990/GainOrLossGrp/SecuritiesAmt0-34789
IRS990/GamingActivitiesInd0false
IRS990/GoverningBodyVotingMembersCnt08
IRS990/GrantsToIndividualsInd0false
IRS990/GrantsToOrganizationsInd0false
IRS990/GrantToRelatedPersonInd0false
IRS990/GrossAmountSalesAssetsGrp/SecuritiesAmt01313580
IRS990/GrossReceiptsAmt04277272
IRS990/GroupReturnForAffiliatesInd0false
IRS990/IncludeFIN48FootnoteInd0false
IRS990/IndependentAuditFinclStmtInd0true
IRS990/IndependentVotingMemberCnt04
IRS990/IndoorTanningServicesInd0false
IRS990/InfoInScheduleOPartVIIInd0X
IRS990/InfoInScheduleOPartVIInd0X
IRS990/InsuranceGrp/ManagementAndGeneralAmt03266
IRS990/InsuranceGrp/TotalAmt03266
IRS990/InvestmentIncomeGrp/ExclusionAmt025828
IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt025828
IRS990/InvestmentInJointVentureInd0false
IRS990/InvestmentsPubTradedSecGrp/BOYAmt01392723
IRS990/InvestmentsPubTradedSecGrp/EOYAmt0368957
IRS990/IRPDocumentCnt00
IRS990/IRPDocumentW2GCnt00
IRS990/LessCostOthBasisSalesExpnssGrp/SecuritiesAmt01348369
IRS990/LoanOutstandingInd0false
IRS990/LocalChaptersInd0false
IRS990/MaterialDiversionOrMisuseInd0false
IRS990/MembersOrStockholdersInd0false
IRS990/MethodOfAccountingAccrualInd0X
IRS990/MinutesOfCommitteesInd0true
IRS990/MinutesOfGoverningBodyInd0true
IRS990/MissionDesc0PROVIDE HEALTH AND WELFARE BENEFITS.
IRS990/MoreThan5000KToIndividualsInd0false
IRS990/MoreThan5000KToOrgInd0false
IRS990/NetAssetsOrFundBalancesBOYAmt01749462
IRS990/NetAssetsOrFundBalancesEOYAmt0-22669
IRS990/NetGainOrLossInvestmentsGrp/RelatedOrExemptFuncIncomeAmt0-34789
IRS990/NetGainOrLossInvestmentsGrp/TotalRevenueColumnAmt0-34789
IRS990/NetUnrlzdGainsLossesInvstAmt0-15526
IRS990/NondeductibleContributionsInd0false
IRS990/OfficeExpensesGrp/ManagementAndGeneralAmt030093
IRS990/OfficeExpensesGrp/TotalAmt030093
IRS990/OfficerMailingAddressInd0false
IRS990/OperateHospitalInd0false
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowSFAS117Ind0X
IRS990/OtherExpensesGrp/Desc0HIPAA COMPLIANCE
IRS990/OtherExpensesGrp/ManagementAndGeneralAmt01440
IRS990/OtherExpensesGrp/TotalAmt01440
IRS990/OtherLiabilitiesGrp/BOYAmt0718000
IRS990/OtherLiabilitiesGrp/EOYAmt01127000
IRS990/OtherRevenueMiscGrp/BusinessCd0900099
IRS990/OtherRevenueMiscGrp/Desc0MEDICARE PART D
IRS990/OtherRevenueMiscGrp/RelatedOrExemptFuncIncomeAmt076760
IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt076760
IRS990/OtherRevenueTotalAmt076760
IRS990/PartialLiquidationInd0false
IRS990/PoliticalCampaignActyInd0false
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt085221
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt085151
IRS990/PrincipalOfficerNm0CHUCK KUKAWAKA
IRS990/ProfessionalFundraisingInd0false
IRS990/ProgramServiceRevenueGrp/Desc0EMPLOYER CONTRIBUTIONS
IRS990/ProgramServiceRevenueGrp/Desc1EMPLOYEE CONTRIBUTIONS
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt02101566
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt1759538
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt02101566
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt1759538
IRS990/ProhibitedTaxShelterTransInd0false
IRS990/PYBenefitsPaidToMembersAmt03007467
IRS990/PYInvestmentIncomeAmt084739
IRS990/PYOtherExpensesAmt0314765
IRS990/PYProgramServiceRevenueAmt02913212
IRS990/PYRevenuesLessExpensesAmt0-324281
IRS990/PYTotalExpensesAmt03322232
IRS990/PYTotalRevenueAmt02997951
IRS990/ReconcilationRevenueExpnssAmt0-1756605
IRS990/RegularMonitoringEnfrcInd0true
IRS990/RelatedEntityInd0true
IRS990/RelatedOrganizationCtrlEntInd0false
IRS990/ReportInvestmentsOtherSecInd0false
IRS990/ReportLandBuildingEquipmentInd0false
IRS990/ReportOtherAssetsInd0false
IRS990/ReportOtherLiabilitiesInd0true
IRS990/ReportProgramRelatedInvstInd0false
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt01749462
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt0-22669
IRS990/SavingsAndTempCashInvstGrp/BOYAmt0571829
IRS990/SavingsAndTempCashInvstGrp/EOYAmt0246146
IRS990/ScheduleBRequiredInd0false
IRS990ScheduleD/ExpensesNotRptFinclStmtAmt05362
IRS990ScheduleD/ExpensesSubtotalAmt04680146
IRS990ScheduleD/InvestmentExpensesNotIncld2Amt05362
IRS990ScheduleD/InvestmentExpensesNotIncldAmt05362
IRS990ScheduleD/NetUnrealizedGainsInvstAmt0-15526
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt0566000
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt1561000
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0ACCUMULATED ELIGIBILITY CREDITS
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc1CLAIMS INCURRED BUT NOT REPORTED
IRS990ScheduleD/RevenueNotReportedAmt0-15526
IRS990ScheduleD/RevenueNotReportedFinclStmtAmt05362
IRS990ScheduleD/RevenueSubtotalAmt02923541
IRS990ScheduleD/TotalExpensesPerForm990Amt04685508
IRS990ScheduleD/TotalLiabilityAmt01127000
IRS990ScheduleD/TotalRevenuePerForm990Amt02928903
IRS990ScheduleD/TotalRevEtcAuditedFinclStmtAmt02908015
IRS990ScheduleD/TotExpnsEtcAuditedFinclStmtAmt04680146
IRS990/ScheduleJRequiredInd0false
IRS990/ScheduleORequiredInd0true
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0LINE 2 - FAMILY RELATIONSHIP OR BUSINESS RELATIONSHIP - THE RELATIONSHIP
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1ALL BOARD MEMBERS ARE ELECTED BY THE MEMBERSHIP INTO OFFICER POSITIONS, FROM WHICH THEY HOLD THEIR TRUSTEESHP EX OFFICIO.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2THE FORM 990 IS PRESENTED AND APPROVED AT MEETING OF THE BOARD OF TRUSTEES, SUBJECT TO APPROVAL AND REVIEW BY THE FUND LEGAL COUNSEL.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3THE TRUSTEE SHARL PROVIDE HIS OR HER FULL COOPERTION TO THE BOARD, IN ORDER TO ENSURE THAT THE BOARD HAS A COMPLETE UNDERSTANDING OF THE CONFLICT AND ITS EFFECT ON THE FUND OPERATIONS. HE OR SHE SHALL ANSWER ANY QUESTIONS POSED BY THE BOARD TO THE BEST OF HIS OR HER ABILITY, AND SHALL SUPPLY THE BOARD WITH ANY RELEVANT DOCUMENATATION RELATED TO THE CONFLICT, UPON REQUEST. FUTHERMORE, A TRUSTEE WITH A CONFLICT OF INTEREST SHALL NOT VOTE ON MATTERS WHERE THE CONFLICT IS APPLICABLE. SUCH TRUSTEE ALSO SHALL NOT PARTICIPATE IN DUSCUSSIONS AS AN ADVOCATE ON MATTERS AFFECTING HIS OR HER PERSONAL INTERESTS AT MEETINGS OR THROUGH PRIVATE CONTACTS WITH THE CONFLICTING PARTY, BUT MAY RESPOND TO REQUETS FOR FACTUAL INFORMATION FROM OTHER TRUSTEES NEEDED TO REACH AN INFORMED DECISION. IN ADDITION, IN SOME SITUATIONS, A TRUSTEE WHO IS DETERMINED TO HAVE A CONFLICT OF INTERST MAY BE REQUESTED BY THE BOARD TO NOT BE PRESENT DURING THE REVIEW OF SUCH MATTERS, TO AVOID INHIBITING FREE DISCUSSION BY THE BOARD. THE DUTY TO DISCLOSE CONFLICTS OF INTEREST IS AN ONGOING ONE. ANY MATERIAL CHANGES IN STATUS OR INFORMATION REGARDING THE CONFLICT SHALL BE DISCLOSED TO THE BOARD EITHER VERBALLY OR IN WRITING, DURING ANY REGULARLY SCHEDULED TRUSTEES' MEETINGS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4THE FUND IS ESTABLISHED AND MAINTAINED PURSUANT TO THE EMPLOYEE RETIREMENT SECURITY ACT OF 1974, AS AMENDED. IT OPERATES IN COMPLIANCE WITH THE REPORTING AND DISCLOSURE REQUIREMENTS OF SUBTITLE B, PART 1 ERISA WITH RESPECT TO DISCLOSURE OF ITS GOVERNING DOCUMENTS AND FINANCIAL INFORMAITON. IT OPERATES IN COMPLIANCE WITH THE FIDUCIARY RESPONSIBILITY REQUIREMENTS OF SUBTITLE B, PART 4 OF ERISA.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5LINE 1A - THE TURSTEES OF THE FUND SERVE WITHOUT COMPENSATION FROM THE FUND
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0FORM 990, PART VI
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1FORM 990, PAGE 6, PART VI, LINE 7A
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2FORM 990, PAGE 6, PART VI, LINE 11B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3FORM 990, PAGE 6, PART VI, LINE 12C
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4FORM 990, PAGE 6, PART VI, LINE 19
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5FORM 990, PART VII
IRS990ScheduleR/AssetExchangeInd0false
IRS990ScheduleR/AssetPurchaseFromOtherOrgInd0false
IRS990ScheduleR/AssetSaleToOtherOrgInd0false
IRS990ScheduleR/DivRelatedOrganizationInd0false
IRS990ScheduleR/GiftGrntCapContriFromOthOrgInd0false
IRS990ScheduleR/GiftGrntOrCapContriToOthOrgInd0false
IRS990ScheduleR/IdRelatedOrgTxblCorpTrGrp/ControlledOrganizationInd0false
IRS990ScheduleR/IdRelatedOrgTxblCorpTrGrp/DirectControllingNACd0N/A
IRS990ScheduleR/IdRelatedOrgTxblCorpTrGrp/RelatedOrganizationName/BusinessNameLine1Txt0SEE PART VII
IRS990ScheduleR/IdRelatedOrgTxblPartnershipGrp/DirectControllingNACd0N/A
IRS990ScheduleR/IdRelatedOrgTxblPartnershipGrp/DisproportionateAllocationsInd0false
IRS990ScheduleR/IdRelatedOrgTxblPartnershipGrp/GeneralOrManagingPartnerInd0false
IRS990ScheduleR/IdRelatedOrgTxblPartnershipGrp/RelatedOrganizationName/BusinessNameLine1Txt0SEE PART VII
IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/ControlledOrganizationInd0false
IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/DirectControllingNACd0N/A
IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/DisregardedEntityName/BusinessNameLine1Txt0SEE PART VII
IRS990ScheduleR/LoansOrGuaranteesFromOthOrgInd0false
IRS990ScheduleR/LoansOrGuaranteesToOtherOrgInd0false
IRS990ScheduleR/PaidEmployeesSharingInd0false
IRS990ScheduleR/PerformOfServicesByOtherOrgInd0false
IRS990ScheduleR/PerformOfServicesForOthOrgInd0false
IRS990ScheduleR/ReceiptOfIntAnntsRntsRyltsInd0false
IRS990ScheduleR/ReimbursementPaidByOtherOrgInd0false
IRS990ScheduleR/ReimbursementPaidToOtherOrgInd0false
IRS990ScheduleR/RentalOfFacilitiesToOthOrgInd0false
IRS990ScheduleR/RentalOfFcltsFromOthOrgInd0false
IRS990ScheduleR/SharingOfFacilitiesInd0false
IRS990ScheduleR/SupplementalInformationDetail/ExplanationTxt0SCHEDULE R, PARTS III, IV, AND V, IDENTIFICATION OF RELATED ORGANIZATIONS: THE FILING ORGANIZATION IS A MULTIEMPLOYER TRUST FUND AS DEFINED IN THE EMPLOYEE RETIREMENT INCOME SECURITY ACT OF 1974, AS AMENDED. THE FUND PROVIDES HEALTH AND WELFARE BENEFITS TO ELIGIBLE PARTICIPANTS AND THEIR DEPENDENTS. AS OF APRIL 30, 2016, THERE WERE 29 CONTRIBUTING EMPLOYERS TO THE FUND. UNDER THE INSTRUCTIONS TO SCHEDULE R, THOSE EMPLOYERS ARE CONSIDERED "RELATED ORGANIZATIONS." THE FUND'S ADMINISTRATIVE OFFICE MAINTAINS A DATABASE OF ALL CONTRIBUTING EMPLOYERS, INCLUDING NAMES, ADDRESSES, AND OTHER CONTACT INFORMATION. HOWEVER, THE FUND DOES NOT HAVE, AND HAS NO REASONABLE WAY TO OBTAIN, MUCH OF THE INFORMAITON TO BE REPORTED ON SCHEDULE R, SUCH AS EMPLOYER IDENTIFICATION NUMBERS AND THE EMPLOYER'S LEGAL STRUCTURE(E.G. CORPORATION OR PARTNERSHIP). THE FOLLOWING IS A LISTING OF THOSE CONTRIBUTING EMPLOYERS, WHICH IS THE EXTENT OF THE INFORMATION THE FUND HAS WITH RESPECT TO EACH EMPLOYER: CONTRIBUTING EMPLOYERS: ARTISAN TILE, INC. B.A.C. LOCAL NO. 2 OF MI B.D. TILE, LLC BOOMS STONE COMPANY BOSTON TILE & TERRAZZO CO. C-STONE INSTALLATION, INC. CALIDAD, LLC CARLO TILE & MARBLE CO. DAVID BENEDICT TILE ELDORADO TILE & MARBLE COMPANY EMPIRE TILE COMPANY F D BERARDINO TILE INC. FABRIS PEARCE TILE GLENN'S TILE & CARPET HARD ROCK INVESTMENTS, LLC INTERNATIONAL MASONRY INSTITUTE L. MARSON TILE & MARBLE CO. MARSON ENTERPRISES INC MICHIELUTTI BROS. INC. MICHIGAN TILE & MARBLE CO MUSANTE TILE, INC. NATIONAL TILE CO. SHAMROCK FLOOR COVERING SERVICE SHOCK BROS. FLOOR COVER SHORES TILE CO INC SOUTHEASTERN TILE, LLC TERRA BELLA TERRAZZO & MOSAIC INC. TRENDELL CONSULTING LLC WOLVERINE STONE CO.
IRS990ScheduleR/SupplementalInformationDetail/FormAndLineReferenceDesc0SCHEDULE R
IRS990ScheduleR/TransferFromOtherOrgInd0false
IRS990ScheduleR/TransferToOtherOrgInd0false
IRS990/SchoolOperatingInd0false
IRS990/SignificantChangeInd0false
IRS990/SignificantNewProgramSrvcInd0false
IRS990/SubjectToProxyTaxInd0false
IRS990/TaxablePartyNotificationInd0false
IRS990/TaxExemptBondsInd0false
IRS990/TempOrPermanentEndowmentsInd0false
IRS990/TerminateOperationsInd0false
IRS990/TotalAssetsBOYAmt02519434
IRS990/TotalAssetsEOYAmt01151348
IRS990/TotalAssetsGrp/BOYAmt02519434
IRS990/TotalAssetsGrp/EOYAmt01151348
IRS990/TotalCompGreaterThan150KInd0false
IRS990/TotalEmployeeCnt00
IRS990/TotalFunctionalExpensesGrp/FundraisingAmt00
IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt0347152
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt04338356
IRS990/TotalFunctionalExpensesGrp/TotalAmt04685508
IRS990/TotalGrossUBIAmt00
IRS990/TotalLiabilitiesBOYAmt0769972
IRS990/TotalLiabilitiesEOYAmt01174017
IRS990/TotalLiabilitiesGrp/BOYAmt0769972
IRS990/TotalLiabilitiesGrp/EOYAmt01174017
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt01749462
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt0-22669
IRS990/TotalOtherCompensationAmt029810
IRS990/TotalProgramServiceExpensesAmt04338356
IRS990/TotalProgramServiceRevenueAmt02861104
IRS990/TotalRevenueGrp/ExclusionAmt025828
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt02903075
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt02928903
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt02519434
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt01151348
IRS990/TotReportableCompRltdOrgAmt0481816
IRS990/TypeOfOrganizationCorpInd0X
IRS990/UnrelatedBusIncmOverLimitInd0false
IRS990/UponRequestInd0X
IRS990/VotingMembersGoverningBodyCnt08
IRS990/VotingMembersIndependentCnt04
IRS990/WebsiteAddressTxt0BAC2TILEFRINGE.ORG
IRS990/WhistleblowerPolicyInd0false
ReturnHeader/BuildTS02017-02-10 21:41:12Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd0true
ReturnHeader/BusinessOfficerGrp/PersonNm0CHUCK KUKAWAKA
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0CHAIRMAN
ReturnHeader/BusinessOfficerGrp/PhoneNum02488224148
ReturnHeader/BusinessOfficerGrp/SignatureDt02016-12-21
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0TILE MARBLE & TERRAZZO INSURANCE
ReturnHeader/Filer/BusinessName/BusinessNameLine2Txt0MARBLE INSURANCE FUND
ReturnHeader/Filer/BusinessNameControlTxt0TILE
ReturnHeader/Filer/EIN0382988356
ReturnHeader/Filer/PhoneNum02488139800
ReturnHeader/Filer/USAddress/AddressLine1Txt0700 TOWER DRIVE SUITE 300
ReturnHeader/Filer/USAddress/CityNm0TROY
ReturnHeader/Filer/USAddress/StateAbbreviationCd0MI
ReturnHeader/Filer/USAddress/ZIPCd048098
ReturnHeader/PreparerFirmGrp/PreparerFirmEIN0382284921
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt0BENDA GRACE STULZ & COMPANY PC
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt038800 VAN DYKE AVE STE 100
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm0STERLING HEIGHTS
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd0MI
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCd048312
ReturnHeader/PreparerPersonGrp/PhoneNum05868836240
ReturnHeader/PreparerPersonGrp/PreparationDt02017-01-30
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0BRYAN STULZ
ReturnHeader/ReturnTs02017-01-31T08:09:38-05:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02015-05-01
ReturnHeader/TaxPeriodEndDt02016-04-30
ReturnHeader/TaxYr02015

Document Assets

No mirrored PDF or thumbnail assets are attached yet.