Civic Intelligence

Nabip Michigan

990 • Fiscal year 2021 • EIN 38-3122174

Jan 01, 2021 to Dec 31, 2021 • Filed on May 11, 2022

Organization Profile
124 W Allegan Suite 1700Lansing, MI 48933

(517) 485-4044

Siviq Scores

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

Liabilities / Assets

44th percentile

0.00x

Tied with the lowest-debt nonprofits in its peer group.

2021 filings • 501(c)6 • <$500k nonprofits • Source year 2021

Liabilities / Revenue

44th percentile

0.00x

Tied with the lowest-debt nonprofits in its peer group.

2021 filings • 501(c)6 • <$500k nonprofits • Source year 2021

Net Margin

28th percentile

-5.2%

Higher net margin than 28% of similar nonprofits.

2021 filings • 501(c)6 • <$500k nonprofits • Source year 2021

Top Officer Pay

72nd percentile

$0

Higher top officer pay than 72% of similar nonprofits.

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

2021 filings • 501(c)6 • <$500k nonprofits • Source year 2021

Asset Growth

25th percentile

-7.2%

Faster asset growth than 25% of similar nonprofits.

2021 filings • 501(c)6 • <$500k nonprofits • Annualized from 2020 to 2021

Revenue Growth

33rd percentile

-12%

Faster revenue growth than 33% of similar nonprofits.

2021 filings • 501(c)6 • <$500k nonprofits • Annualized from 2020 to 2021

Balance Sheet
Liabilities / Assets44th percentile

Assets

Down

$43,853

Down $3,392 (-7.2%) from 2020

Net Assets

Down

$43,853

Down $3,392 (-7.2%) from 2020

Liabilities

Flat

$0

Flat from 2020

Revenue And Expenses
Liabilities / Revenue44th percentileNet Margin28th percentile

Revenue

Down

$64,653

Down $8,519 (-12%) from 2020

Expenses

Down

$68,045

Down $1,044 (-1.5%) from 2020

Net Income

Down

-$3,392

Down $7,475 (-183%) from 2020

Historical Trend

Balance Sheet Trend

Asset Growth25th percentile

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

$80K$60K$40K$20K$0Assets 2011: $30,798Liabilities 2011: $0Net Assets 2011: $30,7982011Assets 2012: $49,897Liabilities 2012: $0Net Assets 2012: $49,8972012Assets 2013: $56,930Liabilities 2013: $0Net Assets 2013: $56,9302013Assets 2014: $64,248Liabilities 2014: $0Net Assets 2014: $64,2482014Assets 2015: $70,613Liabilities 2015: $0Net Assets 2015: $70,6132015Assets 2016: $54,162Liabilities 2016: $0Net Assets 2016: $54,1622016Assets 2017: $55,907Liabilities 2017: $0Net Assets 2017: $55,9072017Assets 2018: $52,719Liabilities 2018: $0Net Assets 2018: $52,7192018Assets 2019: $43,162Liabilities 2019: $0Net Assets 2019: $43,1622019Assets 2020: $47,245Liabilities 2020: $0Net Assets 2020: $47,2452020Assets 2021: $43,853Liabilities 2021: $0Net Assets 2021: $43,8532021Assets 2022: $40,004Liabilities 2022: $0Net Assets 2022: $40,0042022Assets 2023: $45,313Liabilities 2023: $0Net Assets 2023: $45,3132023Assets 2024: $21,980Liabilities 2024: $0Net Assets 2024: $21,9802024

Highlighted filing

2021

Assets$43,853
Liabilities$0
Net Assets$43,853
Open 2021 Filing

Operations Trend

Revenue Growth33rd percentile

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

$150K$100K$50K$0-$50KRevenue 2011: $74,700Expenses 2011: $55,671Net Income 2011: $19,0292011Revenue 2012: $67,797Expenses 2012: $48,698Net Income 2012: $19,0992012Revenue 2013: $95,758Expenses 2013: $88,725Net Income 2013: $7,0332013Revenue 2014: $84,053Expenses 2014: $76,735Net Income 2014: $7,3182014Revenue 2015: $91,017Expenses 2015: $84,652Net Income 2015: $6,3652015Revenue 2016: $76,203Expenses 2016: $92,654Net Income 2016: -$16,4512016Revenue 2017: $120,628Expenses 2017: $118,883Net Income 2017: $1,7452017Revenue 2018: $91,796Expenses 2018: $94,984Net Income 2018: -$3,1882018Revenue 2019: $77,595Expenses 2019: $87,152Net Income 2019: -$9,5572019Revenue 2020: $73,172Expenses 2020: $69,089Net Income 2020: $4,0832020Revenue 2021: $64,653Expenses 2021: $68,045Net Income 2021: -$3,3922021Revenue 2022: $81,719Expenses 2022: $85,568Net Income 2022: -$3,8492022Revenue 2023: $86,583Expenses 2023: $81,274Net Income 2023: $5,3092023Revenue 2024: $79,483Expenses 2024: $102,816Net Income 2024: -$23,3332024

Highlighted filing

2021

Revenue$64,653
Expenses$68,045
Net Income-$3,392
Open 2021 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2021 to Dec 31, 2021
Signed
May 11, 2022
Return Version
2021v4.2
Gross Receipts
$64,653
Mission and Program Overview

Mission

Organize A Membership Of Educated And Ethical Health Insurance Professionals To Improve The Health Care System In The State Of Michigan.

Balance Sheet Detail
LineBeginningEndChange
Assets
Cash and Non-Interest-Bearing Accounts$47,245$43,853▼ $3,392
Total Assets$47,245$43,853▼ $3,392
Liabilities
Total Liabilities$0$0→ $0
Net Assets / Fund Balance
Net Assets Without Donor Restrictions$47,245$43,853▼ $3,392
Total Net Assets Fund Balance$47,245$43,853▼ $3,392
Total Liabilities and Net Assets / Fund Balance$47,245$43,853▼ $3,392
Compensation and Service Providers
Top Officer Pay72nd percentile

Board Members and Trustees

NameTitle
Jeff ThomasHUPAC Chair
Victoria KellyMedia Relations Chair
Val CramerMembership Chair
Connie ElkinsRetention Chair
Kristin RayVanguard Chair
Troy DuimstraImmediate Past President
Scott NormanPresident
John JacobsPresident Elect
Marcy LayExecutive Director and Awards
Catherine L CooperFederal and State Legislative
Ashley KeimachProfessional Development Chai
Brandon ErhartSecretary
Jennifer SemanTreasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$46,091
Program Service Revenue
$18,559
Investment Income
$3
Other Revenue
$0
Change in Net Assets
$-3,392
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$68,045
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
Fees for Services Management$15,000$15,000-$30,000
Conferences and Meetings$4,321--$4,321
Insurance-$1,992-$1,992
Fees for Services Accounting-$794-$794
Other Expenses$15,000$21-$21
All Other Expenses-$20-$20
Total Functional Expenses$34,752$33,293$0$68,045
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
Yes
In-house lobbying only
Yes
Subject to proxy tax
Yes

Reported Spending and Taxes

Line ItemAmount
Total Nondeductible Lobbying and Political Cost$1,550
Current Year Nondeductible Lobbying and Political Cost$1,250
Political Expenditures$1,250
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
Yes
Backup withholding compliance
No
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
No
Conflict-of-interest policy
Yes
Audited financial statements prepared
No
Key decisions subject to board approval
No
Management duties delegated
No

Governance Explanations

Local chapters branches affiliates Part VI line 10A

“The Organization Is A State Chapter Who Has Affiliations With Local And National Organizations. The Organization Has Written Policies And Procedures Included In Its Bylaws Governing Activities To Ensure That Operations Are Consistent With The Organizations Purpose And Policies.”

Form 990 governing body review Part VI line 11

“The Board Reviews Form 990 Before The Return Is Filed By Looking It Over For Major Changes From Previous Years.”

Conflict of interest policy compliance Part VI line 12C

“Conflict Of Interest Policy & Whistleblower Policy Monitored By Governing Body.”

CEO executive director top management comp Part VI line 15A

“Process For Determining Compensation Of Anyone In The Organization Is Voted On At Periodic Meetings Held By The Governing Body On A Need Basis.”

Governing documents etc available to public Part VI line 19

“The Organization Lets The Public Know By Way Of Notices That The Governing Documents, Conflict Of Interest Policy & Financial Statements Are Available Per Their Request.”

Filing and Contact Details

Filer

Filer Name
Michigan Association of Health Underwriters
EIN
38-3122174
Address
124 W Allegan Suite 1700, Lansing, MI 48933

Signing Officer

Name
Marcy Lay
Title
Executive Direc
Phone
5174854044
Signed
2022-05-11
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Scott Norman
Formed
2000
Legal Domicile
Mi
Voting Board Members
13
Independent Board Members
13
Employees
0
Volunteers
13

Preparer

Firm
Hoveys Accounting & Tax Svcs Inc
Address
132 N Bridge St Suite A, Dewitt, MI 48820
Preparer
Juanita N Hovey CPA
Phone
5176689055
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This appendix keeps the raw XML leaves available for debugging and edge-case review. The human report above is the primary experience.

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IRS990/ScheduleORequiredInd0true
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0The Organization Is A State Chapter Who Has Affiliations With Local And National Organizations. The Organization Has Written Policies And Procedures Included In Its Bylaws Governing Activities To Ensure That Operations Are Consistent With The Organizations Purpose And Policies.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1The Board Reviews Form 990 Before The Return Is Filed By Looking It Over For Major Changes From Previous Years.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2Conflict Of Interest Policy & Whistleblower Policy Monitored By Governing Body.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3Process For Determining Compensation Of Anyone In The Organization Is Voted On At Periodic Meetings Held By The Governing Body On A Need Basis.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4The Organization Lets The Public Know By Way Of Notices That The Governing Documents, Conflict Of Interest Policy & Financial Statements Are Available Per Their Request.
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0Local chapters branches affiliates Part VI line 10a
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1Form 990 governing body review Part VI line 11
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2Conflict of interest policy compliance Part VI line 12c
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3CEO executive director top management comp Part VI line 15a
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4Governing documents etc available to public Part VI line 19
IRS990/SchoolOperatingInd0false
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IRS990/SignificantNewProgramSrvcInd0false
IRS990/SubjectToExcsTaxNetInvstIncInd0false
IRS990/SubjectToProxyTaxInd0true
IRS990/SubjToTaxRmnrtnExPrchtPymtInd0false
IRS990/TaxableDistributionsInd0false
IRS990/TaxablePartyNotificationInd0false
IRS990/TaxExemptBondsInd0false
IRS990/TerminateOperationsInd0false
IRS990/TotalAssetsBOYAmt047245
IRS990/TotalAssetsEOYAmt043853
IRS990/TotalAssetsGrp/BOYAmt047245
IRS990/TotalAssetsGrp/EOYAmt043853
IRS990/TotalCompGreaterThan150KInd0false
IRS990/TotalContributionsAmt046091
IRS990/TotalEmployeeCnt00
IRS990/TotalFunctionalExpensesGrp/FundraisingAmt00
IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt033293
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt034752
IRS990/TotalFunctionalExpensesGrp/TotalAmt068045
IRS990/TotalGrossUBIAmt00
IRS990/TotalLiabilitiesEOYAmt00
IRS990/TotalLiabilitiesGrp/BOYAmt00
IRS990/TotalLiabilitiesGrp/EOYAmt00
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt047245
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt043853
IRS990/TotalOtherCompensationAmt00
IRS990/TotalProgramServiceExpensesAmt034752
IRS990/TotalProgramServiceRevenueAmt018559
IRS990/TotalReportableCompFromOrgAmt00
IRS990/TotalRevenueGrp/ExclusionAmt069
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt018493
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt064653
IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt00
IRS990/TotalVolunteersCnt013
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt047245
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt043853
IRS990/TotReportableCompRltdOrgAmt00
IRS990/TransactionWithControlEntInd0false
IRS990/TypeOfOrganizationCorpInd0X
IRS990/UnrelatedBusIncmOverLimitInd0false
IRS990/UponRequestInd0X
IRS990/VotingMembersGoverningBodyCnt013
IRS990/VotingMembersIndependentCnt013
IRS990/WhistleblowerPolicyInd0false
ReturnHeader/AdditionalFilerInformation/TrustedCustomerGrp/AuthenticationAssuranceLevelCd0AAL2
ReturnHeader/AdditionalFilerInformation/TrustedCustomerGrp/IdentityAssuranceLevelCd0IAL1
ReturnHeader/AdditionalFilerInformation/TrustedCustomerGrp/OOBSecurityVerificationCd000
ReturnHeader/AdditionalFilerInformation/TrustedCustomerGrp/TrustedCustomerCd00
ReturnHeader/BuildTS02022-09-23 18:48:47Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd0true
ReturnHeader/BusinessOfficerGrp/PersonNm0Marcy Lay
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0Executive Direc
ReturnHeader/BusinessOfficerGrp/PhoneNum05174854044
ReturnHeader/BusinessOfficerGrp/SignatureDt02022-05-11
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0Michigan Association of Health Underwriters
ReturnHeader/Filer/BusinessNameControlTxt0MICH
ReturnHeader/Filer/EIN0383122174
ReturnHeader/Filer/USAddress/AddressLine1Txt0124 W Allegan Suite 1700
ReturnHeader/Filer/USAddress/CityNm0Lansing
ReturnHeader/Filer/USAddress/StateAbbreviationCd0MI
ReturnHeader/Filer/USAddress/ZIPCd048933
ReturnHeader/PreparerFirmGrp/PreparerFirmEIN0364575774
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt0Hoveys Accounting & Tax Svcs Inc
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt0132 N Bridge St Suite A
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm0Dewitt
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd0MI
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCd048820
ReturnHeader/PreparerPersonGrp/PhoneNum05176689055
ReturnHeader/PreparerPersonGrp/PreparationDt02022-05-15
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0Juanita N Hovey CPA
ReturnHeader/ReturnTs02022-05-15T17:31:31-04:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/SigningOfficerGrp/PersonFullName/PersonFirstNm0Marcy
ReturnHeader/SigningOfficerGrp/PersonFullName/PersonLastNm0Lay
ReturnHeader/TaxPeriodBeginDt02021-01-01
ReturnHeader/TaxPeriodEndDt02021-12-31
ReturnHeader/TaxYr02021

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

Displayed year

2021 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$43,853
Liabilities
$0
Net assets
$43,853
Revenue
$64,653
Expenses
$68,045
Net income
-$3,392
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Facts available. Structured filing facts are available, but richer extracted sections are limited.$0.22$0.00$0.22$0.79$1.03$0.23
2023XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$0.45$0.00$0.45$0.87$0.81$0.05
2022Facts available. Structured filing facts are available, but richer extracted sections are limited.$0.40$0.00$0.40$0.82$0.86$0.04
2021Detailed filing. Detailed filing data is available for this year.$0.44$0.00$0.44$0.65$0.68$0.03
2020XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$0.47$0.00$0.47$0.73$0.69$0.04
2019Summary only. Only limited summary data is available for this year.$0.43$0.00$0.43$0.78$0.87$0.10
2018Summary only. Only limited summary data is available for this year.$0.53$0.00$0.53$0.92$0.95$0.03
2017Summary only. Only limited summary data is available for this year.$0.56$0.00$0.56$1.21$1.19$0.02
2016Summary only. Only limited summary data is available for this year.$0.54$0.00$0.54$0.76$0.93$0.16
2015Summary only. Only limited summary data is available for this year.$0.71$0.00$0.71$0.91$0.85$0.06
2014Summary only. Only limited summary data is available for this year.$0.64$0.00$0.64$0.84$0.77$0.07
2013Summary only. Only limited summary data is available for this year.$0.57$0.00$0.57$0.96$0.89$0.07
2012Summary only. Only limited summary data is available for this year.$0.50$0.00$0.50$0.68$0.49$0.19
2011Summary only. Only limited summary data is available for this year.$0.31$0.00$0.31$0.75$0.56$0.19
Peer Organizations

Similar nonprofits based on the same Siviq industry and scale cohort. 2021 filings • 501(c)6 • <$500k nonprofits