Civic Intelligence

Cucare Welfare Benefit Plan Trust

990 • Fiscal year 2016 • EIN 46-6746110

Jan 01, 2016 to Dec 31, 2016 • Filed on Jul 19, 2017

Organization ProfileN/A

View Organization Page

5975 Castle Creek Pkwy North No 200Indianapolis, IN 46250

(317) 594-5300

Siviq Scores

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

Liabilities / Assets

36th percentile

0.01x

Higher debt load relative to assets than 36% of similar nonprofits.

2016 filings • 501(c)9 • $25M-$50M nonprofits • Source year 2016

Liabilities / Revenue

21st percentile

0.00x

Higher debt load relative to revenue than 21% of similar nonprofits.

2016 filings • 501(c)9 • $25M-$50M nonprofits • Source year 2016

Net Margin

50th percentile

2.9%

Higher net margin than 50% of similar nonprofits.

2016 filings • 501(c)9 • $25M-$50M nonprofits • Source year 2016

Top Officer Pay

41st percentile

$0

Higher top officer pay than 41% of similar nonprofits.

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

2016 filings • 501(c)9 • $25M-$50M nonprofits • Source year 2016

Asset Growth

59th percentile

7.1%

Faster asset growth than 59% of similar nonprofits.

2016 filings • 501(c)9 • $25M-$50M nonprofits • Annualized from 2015 to 2016

Revenue Growth

64th percentile

8.1%

Faster revenue growth than 64% of similar nonprofits.

2016 filings • 501(c)9 • $25M-$50M nonprofits • Annualized from 2015 to 2016

Balance Sheet
Liabilities / Assets36th percentile

Assets

Up

$10,070,121

Up $667,210 (+7.1%) from 2015

Net Assets

Up

$9,965,788

Up $728,231 (+7.9%) from 2015

Liabilities

Down

$104,333

Down $61,021 (-37%) from 2015

Revenue And Expenses
Liabilities / Revenue21st percentileNet Margin50th percentile

Revenue

Up

$25,139,519

Up $1,876,458 (+8.1%) from 2015

Expenses

Up

$24,411,288

Up $2,093,248 (+9.4%) from 2015

Net Income

Down

$728,231

Down $216,790 (-23%) from 2015

Historical Trend

Balance Sheet Trend

Asset Growth59th percentile

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

$40M$30M$20M$10M$0Assets 2013: $3,300,117Liabilities 2013: $0Net Assets 2013: $3,300,1172013Assets 2014: $8,494,288Liabilities 2014: $201,752Net Assets 2014: $8,292,5362014Assets 2015: $9,402,911Liabilities 2015: $165,354Net Assets 2015: $9,237,5572015Assets 2016: $10,070,121Liabilities 2016: $104,333Net Assets 2016: $9,965,7882016Assets 2017: $13,894,225Liabilities 2017: $15,768Net Assets 2017: $13,878,4572017Assets 2018: $16,128,572Liabilities 2018: $41,738Net Assets 2018: $16,086,8342018Assets 2019: $20,042,426Liabilities 2019: $40,486Net Assets 2019: $20,001,9402019Assets 2020: $23,026,589Liabilities 2020: $7,019,782Net Assets 2020: $16,006,8072020Assets 2021: $27,252,479Liabilities 2021: $6,164,329Net Assets 2021: $21,088,1502021Assets 2022: $30,658,690Liabilities 2022: $5,143,301Net Assets 2022: $25,515,3892022Assets 2023: $31,035,031Liabilities 2023: $6,447,016Net Assets 2023: $24,588,0152023Assets 2024: $32,277,466Liabilities 2024: $6,680,417Net Assets 2024: $25,597,0492024

Highlighted filing

2016

Assets$10,070,121
Liabilities$104,333
Net Assets$9,965,788
Open 2016 Filing

Operations Trend

Revenue Growth64th percentile

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

$60M$40M$20M$0-$20MRevenue 2013: $3,300,117Expenses 2013: $0Net Income 2013: $3,300,1172013Revenue 2014: $22,825,701Expenses 2014: $17,833,282Net Income 2014: $4,992,4192014Revenue 2015: $23,263,061Expenses 2015: $22,318,040Net Income 2015: $945,0212015Revenue 2016: $25,139,519Expenses 2016: $24,411,288Net Income 2016: $728,2312016Revenue 2017: $28,774,639Expenses 2017: $24,861,970Net Income 2017: $3,912,6692017Revenue 2018: $30,495,871Expenses 2018: $28,287,494Net Income 2018: $2,208,3772018Revenue 2019: $38,124,400Expenses 2019: $34,209,294Net Income 2019: $3,915,1062019Revenue 2020: $41,227,994Expenses 2020: $45,223,127Net Income 2020: -$3,995,1332020Revenue 2021: $46,464,882Expenses 2021: $41,383,539Net Income 2021: $5,081,3432021Revenue 2022: $49,190,963Expenses 2022: $44,763,724Net Income 2022: $4,427,2392022Revenue 2023: $50,936,800Expenses 2023: $52,042,543Net Income 2023: -$1,105,7432023Revenue 2024: $53,385,640Expenses 2024: $52,652,186Net Income 2024: $733,4542024

Highlighted filing

2016

Revenue$25,139,519
Expenses$24,411,288
Net Income$728,231
Open 2016 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2016 to Dec 31, 2016
Signed
Jul 19, 2017
Return Version
2016v3.0
Gross Receipts
$25,139,519
Mission and Program Overview

Mission

The trust is a "multiple employer welfare arrangement" as defined in section 3(40) of erisa. Its mission is to enable eligible employers to provide or make available welfare benefit coverages to their eligible employees and such employees' eligible dependents.

Self-funded multiple employer welfare arrangement (mewa) for indiana credit unions

Balance Sheet Detail
LineBeginningEndChange
Assets
Savings and Temporary Cash Investments$9,389,414$10,064,351▲ $674,937
Rtn Earn Endowment Incm Other Fnds$9,237,557$9,965,788▲ $728,231
Accounts Receivable$3,766$5,419▲ $1,653
Prepaid Expenses and Deferred Charges$9,731$351▼ $9,380
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$9,402,911$10,070,121▲ $667,210
Liabilities
Accounts Payable and Accrued Expenses$165,354$104,333▼ $61,021
Total Liabilities$165,354$104,333▼ $61,021
Net Assets / Fund Balance
Total Net Assets Fund Balance$9,237,557$9,965,788▲ $728,231
Total Liabilities and Net Assets / Fund Balance$9,402,911$10,070,121▲ $667,210
Compensation and Service Providers
Top Officer Pay41st percentile

Board Members and Trustees

NameTitle
C Randall GlassburnPresident
Gregory TroutnerVice President
Amy BennerTrustee
Anthony MeltonTrustee
Charles KingTrustee
Lori EltzrothTrustee
Paul ObermeyerTrustee
Robert DownsTrustee
Lori GonzalezSecretary/treasurer

Highest Paid Contractors

ContractorServicesLocationCompensation
Icul Services CorporationManagement FeesPO BOX 50425, Indianapolis, IN 46250$394,145
Lhd Benefit AdvisorsConsulting Services250 W 96TH STREET SUITE 350, Indianapolis, IN 46260$158,679
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$25,076,829
Investment Income
$62,690
Other Revenue
$0
Change in Net Assets
$728,231

Audited Revenue Reconciliation

Revenue per Audited Statements
$25,139,386
Revenue Not Reported on Financial Statements
$133
Revenue Not Reported on Form 990
$0
Other Revenue Adjustments
$133
Total Revenue per Audited Statements
$25,139,386
Total Revenue per Form 990
$25,139,519
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$2,948,572
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---$21,462,716
Fees for Services Legal---$67,765
Fees for Services Accounting---$17,775
Insurance---$9,831
Other Expenses---$2,518
Total Functional Expenses$0$0$0$24,411,288

Audited Expense Reconciliation

Line ItemAmount
Total Expenses per Form 990$24,411,288
Expenses per Audited Statements$24,411,156
Total Expenses per Audited Statements$24,411,156
Expenses Not Reported on Financial Statements$132
Other Expense Adjustments$132
Expenses Not Reported on Form 990$0
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
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Audit committee
Yes
Backup withholding compliance
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
No
Audited financial statements prepared
No
Key decisions subject to board approval
No
Management duties delegated
Yes

Governance Explanations

Form 990, Part VI, Section A, Line 3

“The trust has an administrative services agreement with icul services corporation to provide the trust and its members client support services, marketing support, and administrative support.”

Form 990, Part VI, Section A, Line 6

“All indiana credit unions that enter into a participation agreement with the trust will be considered a participating employer and will be eligible to offer their employees welfare benefit coverage offered by the trust beginning in 2014. 2013 was the first year of trust, so the intial board of trustees was appointed by the indiana credit union league (the settlor). The trust agreement calls for a policy to be adopted in 2015 where the participating employers will elect all future trustees after the intial trustees serve their 1-3 year terms.”

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

“The organization's auditing company prepares the 990 and it is reviewed by the organization's president in relation to the audited financials. The audited financials are reviewed by the entire board of trustees.”

Form 990, Part VI, Section C, Line 19

“Upon request, public documents may be viewed at the organization's office.”

Filing and Contact Details

Filer

Filer Name
Cucare Welfare Benefit Plan Trust
EIN
46-6746110
Phone
3175945300
Address
5975 CASTLE CREEK PKWY NORTH NO 200, INDIANAPOLIS, IN 46250

Signing Officer

Name
C Randall Glassburn
Title
President
Phone
3175945300
Signed
2017-07-19
Discuss with paid preparer
Yes

Organization Details

Principal Officer
C Randall Glassburn
Formed
2013
Legal Domicile
In
Voting Board Members
9
Independent Board Members
9
Employees
0
Volunteers
9

Preparer

Firm
Brady Ware & Schoenfeld Inc
Address
ONE WOODSIDE DRIVE, RICHMOND, IN 47374
Preparer
Suzanne K Miller CPA
Phone
7659660531
Supplemental Narrative

Additional Explanations

Form 990. Part XI, Line 2C

“The organization has not changed the selection process for the auditor or the method of oversight.”

Financial Statement Notes

PART XI, LINE 4B - OTHER ADJUSTMENTS:

“INVESTMENT EXPENSES 133.”

PART XII, LINE 4B - OTHER ADJUSTMENTS:

“Investment expenses 133. Rounding -1.”

Raw XML Appendix356 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.

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IRS990/ActivityOrMissionDesc0SELF-FUNDED MULTIPLE EMPLOYER WELFARE ARRANGEMENT (MEWA) FOR INDIANA CREDIT UNIONS
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IRS990/SavingsAndTempCashInvstGrp/EOYAmt010064351
IRS990/ScheduleBRequiredInd00
IRS990ScheduleD/ExpensesNotReportedAmt00
IRS990ScheduleD/ExpensesNotRptFinclStmtAmt0132
IRS990ScheduleD/ExpensesSubtotalAmt024411156
IRS990ScheduleD/OtherExpensesNotIncludedAmt0132
IRS990ScheduleD/OtherRevenuesNotIncludedAmt0133
IRS990ScheduleD/RevenueNotReportedAmt00
IRS990ScheduleD/RevenueNotReportedFinclStmtAmt0133
IRS990ScheduleD/RevenueSubtotalAmt025139386
IRS990ScheduleD/SupplementalInformationDetail/ExplanationTxt0INVESTMENT EXPENSES 133.
IRS990ScheduleD/SupplementalInformationDetail/ExplanationTxt1INVESTMENT EXPENSES 133. ROUNDING -1.
IRS990ScheduleD/SupplementalInformationDetail/FormAndLineReferenceDesc0PART XI, LINE 4B - OTHER ADJUSTMENTS:
IRS990ScheduleD/SupplementalInformationDetail/FormAndLineReferenceDesc1PART XII, LINE 4B - OTHER ADJUSTMENTS:
IRS990ScheduleD/TotalBookValueLandBuildingsAmt00
IRS990ScheduleD/TotalExpensesPerForm990Amt024411288
IRS990ScheduleD/TotalRevenuePerForm990Amt025139519
IRS990ScheduleD/TotalRevEtcAuditedFinclStmtAmt025139386
IRS990ScheduleD/TotExpnsEtcAuditedFinclStmtAmt024411156
IRS990/ScheduleJRequiredInd00
IRS990/ScheduleORequiredInd01
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0THE TRUST HAS AN ADMINISTRATIVE SERVICES AGREEMENT WITH ICUL SERVICES CORPORATION TO PROVIDE THE TRUST AND ITS MEMBERS CLIENT SUPPORT SERVICES, MARKETING SUPPORT, AND ADMINISTRATIVE SUPPORT.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1ALL INDIANA CREDIT UNIONS THAT ENTER INTO A PARTICIPATION AGREEMENT WITH THE TRUST WILL BE CONSIDERED A PARTICIPATING EMPLOYER AND WILL BE ELIGIBLE TO OFFER THEIR EMPLOYEES WELFARE BENEFIT COVERAGE OFFERED BY THE TRUST BEGINNING IN 2014. 2013 WAS THE FIRST YEAR OF TRUST, SO THE INTIAL BOARD OF TRUSTEES WAS APPOINTED BY THE INDIANA CREDIT UNION LEAGUE (THE SETTLOR). THE TRUST AGREEMENT CALLS FOR A POLICY TO BE ADOPTED IN 2015 WHERE THE PARTICIPATING EMPLOYERS WILL ELECT ALL FUTURE TRUSTEES AFTER THE INTIAL TRUSTEES SERVE THEIR 1-3 YEAR TERMS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2THE ORGANIZATION'S AUDITING COMPANY PREPARES THE 990 AND IT IS REVIEWED BY THE ORGANIZATION'S PRESIDENT IN RELATION TO THE AUDITED FINANCIALS. THE AUDITED FINANCIALS ARE REVIEWED BY THE ENTIRE BOARD OF TRUSTEES.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3UPON REQUEST, PUBLIC DOCUMENTS MAY BE VIEWED AT THE ORGANIZATION'S OFFICE.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4THE ORGANIZATION HAS NOT CHANGED THE SELECTION PROCESS FOR THE AUDITOR OR THE METHOD OF OVERSIGHT.
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0FORM 990, PART VI, SECTION A, LINE 3
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1FORM 990, PART VI, SECTION A, LINE 6
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2FORM 990, PART VI, SECTION B, LINE 11B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3FORM 990, PART VI, SECTION C, LINE 19
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4FORM 990. PART XI, LINE 2C
IRS990/SchoolOperatingInd00
IRS990/SignificantChangeInd00
IRS990/SignificantNewProgramSrvcInd00
IRS990/StatesWhereCopyOfReturnIsFldCd0IN
IRS990/SubjectToProxyTaxInd00
IRS990/TaxablePartyNotificationInd00
IRS990/TaxExemptBondsInd00
IRS990/TempOrPermanentEndowmentsInd00
IRS990/TerminateOperationsInd00
IRS990/TotalAssetsBOYAmt09402911
IRS990/TotalAssetsEOYAmt010070121
IRS990/TotalAssetsGrp/BOYAmt09402911
IRS990/TotalAssetsGrp/EOYAmt010070121
IRS990/TotalCompGreaterThan150KInd00
IRS990/TotalEmployeeCnt00
IRS990/TotalFunctionalExpensesGrp/TotalAmt024411288
IRS990/TotalGrossUBIAmt062690
IRS990/TotalLiabilitiesBOYAmt0165354
IRS990/TotalLiabilitiesEOYAmt0104333
IRS990/TotalLiabilitiesGrp/BOYAmt0165354
IRS990/TotalLiabilitiesGrp/EOYAmt0104333
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt09237557
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt09965788
IRS990/TotalOtherCompensationAmt00
IRS990/TotalProgramServiceRevenueAmt025076829
IRS990/TotalReportableCompFromOrgAmt00
IRS990/TotalRevenueGrp/ExclusionAmt00
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt025076829
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt025139519
IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt062690
IRS990/TotalVolunteersCnt09
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt09402911
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt010070121
IRS990/TotReportableCompRltdOrgAmt00
IRS990/TypeOfOrganizationTrustInd0X
IRS990/UnrelatedBusIncmOverLimitInd01
IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine1Txt05975 CASTLE CREEK PARKWAY NORTH 300
IRS990/USAddress/CityNm0INDIANAPOLIS
IRS990/USAddress/StateAbbreviationCd0IN
IRS990/USAddress/ZIPCd046250
IRS990/VotingMembersGoverningBodyCnt09
IRS990/VotingMembersIndependentCnt09
IRS990/WebsiteAddressTxt0N/A
IRS990/WhistleblowerPolicyInd00
ReturnHeader/BuildTS02017-02-10 21:41:12Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd01
ReturnHeader/BusinessOfficerGrp/PersonNm0C RANDALL GLASSBURN
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0PRESIDENT
ReturnHeader/BusinessOfficerGrp/PhoneNum03175945300
ReturnHeader/BusinessOfficerGrp/SignatureDt02017-07-19
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0CUCARE WELFARE BENEFIT PLAN TRUST
ReturnHeader/Filer/BusinessNameControlTxt0CUCA
ReturnHeader/Filer/EIN0466746110
ReturnHeader/Filer/PhoneNum03175945300
ReturnHeader/Filer/USAddress/AddressLine1Txt05975 CASTLE CREEK PKWY NORTH NO 200
ReturnHeader/Filer/USAddress/CityNm0INDIANAPOLIS
ReturnHeader/Filer/USAddress/StateAbbreviationCd0IN
ReturnHeader/Filer/USAddress/ZIPCd046250
ReturnHeader/FilingSecurityInformation/AtSubmissionCreationDeviceId06C9B1A35775087DBDB8A6D25ECA509C7F6C27838
ReturnHeader/FilingSecurityInformation/AtSubmissionFilingDeviceId0E9882ADB54F6AA7FFC1590FE8A1DC211680A3D95
ReturnHeader/FilingSecurityInformation/FilingLicenseTypeCd0P
ReturnHeader/FilingSecurityInformation/IPAddress/IPv4AddressTxt0199.66.132.202
ReturnHeader/FilingSecurityInformation/IPDt02017-07-19
ReturnHeader/FilingSecurityInformation/IPTimezoneCd0ED
ReturnHeader/FilingSecurityInformation/IPTm014:37:47
ReturnHeader/PreparerFirmGrp/PreparerFirmEIN0351476702
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt0BRADY WARE & SCHOENFELD INC
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt0ONE WOODSIDE DRIVE
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm0RICHMOND
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd0IN
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCd047374
ReturnHeader/PreparerPersonGrp/PhoneNum07659660531
ReturnHeader/PreparerPersonGrp/PreparationDt02017-07-11
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0SUZANNE K MILLER CPA
ReturnHeader/ReturnTs02017-07-25T13:25:03-05:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02016-01-01
ReturnHeader/TaxPeriodEndDt02016-12-31
ReturnHeader/TaxYr02016

Document Assets

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Filings

Displayed year

2016 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$10,070,121
Liabilities
$104,333
Net assets
$9,965,788
Revenue
$25,139,519
Expenses
$24,411,288
Net income
$728,231
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Detailed filing. Detailed filing data is available for this year.$32.3$6.68$25.6$53.4$52.7$0.73
2023Detailed filing. Detailed filing data is available for this year.$31.0$6.45$24.6$50.9$52.0$1.11
2022Detailed filing. Detailed filing data is available for this year.$30.7$5.14$25.5$49.2$44.8$4.43
2021Detailed filing. Detailed filing data is available for this year.$27.3$6.16$21.1$46.5$41.4$5.08
2020Detailed filing. Detailed filing data is available for this year.$23.0$7.02$16.0$41.2$45.2$4.00
2019Summary only. Only limited summary data is available for this year.$20.0$0.04$20.0$38.1$34.2$3.92
2018Detailed filing. Detailed filing data is available for this year.$16.1$0.04$16.1$30.5$28.3$2.21
2017Detailed filing. Detailed filing data is available for this year.$13.9$0.02$13.9$28.8$24.9$3.91
2016Detailed filing. Detailed filing data is available for this year.$10.1$0.10$9.97$25.1$24.4$0.73
2015Detailed filing. Detailed filing data is available for this year.$9.40$0.17$9.24$23.3$22.3$0.95
2014Detailed filing. Detailed filing data is available for this year.$8.49$0.20$8.29$22.8$17.8$4.99
2013Summary only. Only limited summary data is available for this year.$3.30$0.00$3.30$3.30$0.00$3.30