Civic Intelligence

Dearborn Schools Employee Healthcare Program Volun

EIN 46-5215047 • 501(c)9 • Dearborn, MI

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Profile

The organization provides health benefits covering substantially all active employees of the dearborn federation of teachers, association of dearborn schools administrators, dearborn schools operating engineers association, and dearborn federation of school employees.

15250 Mercantile DriveDearborn, MI 48120
Siviq Scores

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

Liabilities / Assets

67th percentile

0.12x

Higher debt load relative to assets than 67% of similar nonprofits.

501(c)9 • $25M-$50M nonprofits • Source year 2024

Liabilities / Revenue

68th percentile

0.12x

Higher debt load relative to revenue than 68% of similar nonprofits.

501(c)9 • $25M-$50M nonprofits • Source year 2024

Net Margin

67th percentile

14%

Higher net margin than 67% of similar nonprofits.

501(c)9 • $25M-$50M nonprofits • Source year 2024

Top Officer Pay

44th percentile

$0

Higher top officer pay than 44% of similar nonprofits.

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

501(c)9 • $25M-$50M nonprofits • Source year 2024

Asset Growth

77th percentile

16%

Faster asset growth than 77% of similar nonprofits.

501(c)9 • $25M-$50M nonprofits • Annualized from 2023 to 2024

Revenue Growth

47th percentile

6.6%

Faster revenue growth than 47% of similar nonprofits.

501(c)9 • $25M-$50M nonprofits • Annualized from 2023 to 2024

Balance Sheet
Liabilities / Assets67th percentile

Assets

Up

$43,416,655

Up $6,146,338 (+16%) from 2023

Liabilities

Up

$5,130,949

Up $119,677 (+2.4%) from 2023

Net Assets

Up

$38,285,706

Up $6,026,661 (+19%) from 2023

Operations
Liabilities / Revenue68th percentileNet Margin67th percentile

Revenue

Up

$43,652,799

Up $2,694,669 (+6.6%) from 2023

Expenses

Up

$37,626,138

Up $3,472,779 (+10%) from 2023

Net Income

Down

$6,026,661

Down $778,110 (-11%) from 2023

Trend Graphs

Balance Sheet Trend

Asset Growth77th percentile

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

$60M$40M$20M$0Assets 2014: $7,173,664Liabilities 2014: $3,861,417Net Assets 2014: $3,312,2472014Assets 2015: $8,511,910Liabilities 2015: $3,950,058Net Assets 2015: $4,561,8522015Assets 2016: $9,438,122Liabilities 2016: $4,044,072Net Assets 2016: $5,394,0502016Assets 2017: $10,982,467Liabilities 2017: $4,357,513Net Assets 2017: $6,624,9542017Assets 2018: $13,528,630Liabilities 2018: $4,519,644Net Assets 2018: $9,008,9862018Assets 2019: $16,501,510Liabilities 2019: $4,722,741Net Assets 2019: $11,778,7692019Assets 2020: $20,298,895Liabilities 2020: $4,559,885Net Assets 2020: $15,739,0102020Assets 2021: $24,434,738Liabilities 2021: $4,704,376Net Assets 2021: $19,730,3622021Assets 2022: $30,310,488Liabilities 2022: $4,856,214Net Assets 2022: $25,454,2742022Assets 2023: $37,270,317Liabilities 2023: $5,011,272Net Assets 2023: $32,259,0452023Assets 2024: $43,416,655Liabilities 2024: $5,130,949Net Assets 2024: $38,285,7062024

Highlighted filing

2024

Assets$43,416,655
Liabilities$5,130,949
Net Assets$38,285,706
Open 2024 Filing

Operations Trend

Revenue Growth47th percentile

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

$60M$40M$20M$0Revenue 2014: $18,090,558Expenses 2014: $16,907,738Net Income 2014: $1,182,8202014Revenue 2015: $26,010,935Expenses 2015: $24,761,330Net Income 2015: $1,249,6052015Revenue 2016: $27,271,544Expenses 2016: $26,439,346Net Income 2016: $832,1982016Revenue 2017: $30,067,926Expenses 2017: $28,837,022Net Income 2017: $1,230,9042017Revenue 2018: $32,986,011Expenses 2018: $30,601,979Net Income 2018: $2,384,0322018Revenue 2019: $34,457,066Expenses 2019: $31,687,283Net Income 2019: $2,769,7832019Revenue 2020: $34,996,182Expenses 2020: $31,035,941Net Income 2020: $3,960,2412020Revenue 2021: $35,608,928Expenses 2021: $31,617,576Net Income 2021: $3,991,3522021Revenue 2022: $38,299,006Expenses 2022: $32,575,094Net Income 2022: $5,723,9122022Revenue 2023: $40,958,130Expenses 2023: $34,153,359Net Income 2023: $6,804,7712023Revenue 2024: $43,652,799Expenses 2024: $37,626,138Net Income 2024: $6,026,6612024

Highlighted filing

2024

Revenue$43,652,799
Expenses$37,626,138
Net Income$6,026,661
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
$43,416,655
Liabilities
$5,130,949
Net assets
$38,285,706
Revenue
$43,652,799
Expenses
$37,626,138
Net income
$6,026,661
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Facts available. Structured filing facts are available, but richer extracted sections are limited.$43.4$5.13$38.3$43.7$37.6$6.03
2023Summary only. Only limited summary data is available for this year.$37.3$5.01$32.3$41.0$34.2$6.80
2022Facts available. Structured filing facts are available, but richer extracted sections are limited.$30.3$4.86$25.5$38.3$32.6$5.72
2021Facts available. Structured filing facts are available, but richer extracted sections are limited.$24.4$4.70$19.7$35.6$31.6$3.99
2020XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$20.3$4.56$15.7$35.0$31.0$3.96
2019XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$16.5$4.72$11.8$34.5$31.7$2.77
2018Facts available. Structured filing facts are available, but richer extracted sections are limited.$13.5$4.52$9.01$33.0$30.6$2.38
2017XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$11.0$4.36$6.62$30.1$28.8$1.23
2016XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$9.44$4.04$5.39$27.3$26.4$0.83
2015Detailed filing. Detailed filing data is available for this year.$8.51$3.95$4.56$26.0$24.8$1.25
2014Summary only. Only limited summary data is available for this year.$7.17$3.86$3.31$18.1$16.9$1.18
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2024 to Dec 31, 2024
Signed
Oct 13, 2025
Return Version
2024v5.2
Gross Receipts
$43,652,799
Mission and Program Overview

Mission

The organization provides health benefits covering substantially all active employees of the dearborn federation of teachers, association of dearborn schools administrators, dearborn schools operating engineers association, and dearborn federation of school employees.

Balance Sheet Detail
LineBeginningEndChange
Assets
Savings and Temporary Cash Investments$34,271,036$39,969,957▲ $5,698,921
Prepaid Expenses and Deferred Charges$2,999,281$3,280,426▲ $281,145
Total Assets$37,270,317$43,416,655▲ $6,146,338
Other Assets Total-$166,272-
Liabilities
Deferred Revenue$3,130,907$3,320,030▲ $189,123
Other Liabilities$1,879,367$1,809,367▼ $70,000
Accounts Payable and Accrued Expenses$998$1,552▲ $554
Total Liabilities$5,011,272$5,130,949▲ $119,677
Net Assets / Fund Balance
Net Assets Without Donor Restrictions$32,259,045$38,285,706▲ $6,026,661
Total Net Assets Fund Balance$32,259,045$38,285,706▲ $6,026,661
Total Liabilities and Net Assets / Fund Balance$37,270,317$43,416,655▲ $6,146,338
Compensation and Service Providers
Top Officer Pay44th percentile

Board Members and Trustees

NameTitle
Kathi MartinPresident
Mike LoweVice President
Kimberly NicholsonAdministrative Executive
Al LeriniSecretary
Josh TynanTreasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$41,874,660
Investment Income
$1,778,139
Other Revenue
$0
Change in Net Assets
$6,026,661

Audited Revenue Reconciliation

Revenue per Audited Statements
$43,652,799
Total Revenue per Audited Statements
$43,652,799
Total Revenue per Form 990
$43,652,799
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$37,597,069
Salaries, Compensation, and Employee Benefits$29,069
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Insurance$37,389,709--$37,389,709
Other Expenses-$87,067-$87,067
Advertising-$83,368-$83,368
Information Technology-$36,925-$36,925
Other Salaries and Wages-$26,465-$26,465
Payroll Taxes-$2,604-$2,604
Total Functional Expenses$37,389,709$236,429$0$37,626,138

Audited Expense Reconciliation

Line ItemAmount
Expenses per Audited Statements$37,625,906
Total Expenses per Audited Statements$37,625,906
Total Expenses per Form 990$37,625,906
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
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Binder Deposit$1,879,367
Loan$-70,000
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
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
No
Other officer compensation reviewed
No
Conflict-of-interest policy
No
Audited financial statements prepared
No
Key decisions subject to board approval
No
Management duties delegated
No

Governance Explanations

Form 990 governing body review Part VI line 11

“The form 990 is emailed to all trustees for review before it is filed.”

Governing documents etc available to public Part VI line 19

“AVAILABLE UPON REQUEST.”

Filing and Contact Details

Filer

Filer Name
Dearborn Schools Employee Healthcare Program Volun
EIN
46-5215047
In Care Of
% KIMBERLY NICHOLSON
Phone
6165505161
Address
15250 MERCANTILE DRIVE, DEARBORN, MI 48120

Signing Officer

Name
Kimberly Nicholson
Title
Administrative Executive
Phone
6165505161
Signed
2025-10-13
Discuss with paid preparer
No

Organization Details

Formed
2014
Legal Domicile
Mi
Voting Board Members
4
Independent Board Members
4
Employees
3

Preparer

Firm
Goodlander Swett and Rybicki
Address
4462 PLAINFIELD AVENUE NE, GRAND RAPIDS, MI 49525
Preparer
Michael a Rybicki
Phone
6163611896
Supplemental Narrative

Additional Explanations

Explanation of other changes in net assets or fund balances Part XI line 9

“Beginning equity deposited with organization at startup.”

Raw XML Appendix288 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/TitleTxt1PRESIDENT
IRS990/Form990PartVIISectionAGrp/TitleTxt2VICE PRESIDENT
IRS990/Form990PartVIISectionAGrp/TitleTxt3TREASURER
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IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1Governing documents etc available to public Part VI line 19
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2Explanation of other changes in net assets or fund balances Part XI line 9
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IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt038285706
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IRS990/TotalProgramServiceExpensesAmt037389709
IRS990/TotalProgramServiceRevenueAmt041874660
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IRS990/TotalRevenueGrp/ExclusionAmt00
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IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt037270317
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt043416655
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IRS990/UponRequestInd0X
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ReturnHeader/BuildTS02025-03-06 01:10:19Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd0false
ReturnHeader/BusinessOfficerGrp/PersonNm0KIMBERLY NICHOLSON
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0ADMINISTRATIVE EXECUTIVE
ReturnHeader/BusinessOfficerGrp/PhoneNum06165505161
ReturnHeader/BusinessOfficerGrp/SignatureDt02025-10-13
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0DEARBORN SCHOOLS EMPLOYEE HEALTHCARE PROGRAM VOLUN
ReturnHeader/Filer/BusinessNameControlTxt0DEAR
ReturnHeader/Filer/EIN0465215047
ReturnHeader/Filer/InCareOfNm0% KIMBERLY NICHOLSON
ReturnHeader/Filer/PhoneNum06165505161
ReturnHeader/Filer/USAddress/AddressLine1Txt015250 MERCANTILE DRIVE
ReturnHeader/Filer/USAddress/CityNm0DEARBORN
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ReturnHeader/PreparerFirmGrp/PreparerFirmEIN0203618579
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt0GOODLANDER SWETT AND RYBICKI
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt04462 PLAINFIELD AVENUE NE
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm0GRAND RAPIDS
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd0MI
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCd049525
ReturnHeader/PreparerPersonGrp/PhoneNum06163611896
ReturnHeader/PreparerPersonGrp/PreparationDt02025-11-12
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0MICHAEL A RYBICKI
ReturnHeader/ReturnTs02025-11-12T11:44:44-05:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02024-01-01
ReturnHeader/TaxPeriodEndDt02024-12-31
ReturnHeader/TaxYr02024

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