Civic Intelligence

Insulators Local 45 Health Care Lyon

EIN 52-2001419 • 501(c)9 • Troy, MI

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Profile

The fund provides health benefits for eligible members of Insulators Local 45.

700 Tower DriveTroy, MI 48098-2808

n/A

Siviq Scores

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

Liabilities / Assets

84th percentile

0.31x

Higher debt load relative to assets than 84% of similar nonprofits.

501(c)9 • $10M-$25M nonprofits • Source year 2024

Liabilities / Revenue

96th percentile

0.72x

Higher debt load relative to revenue than 96% of similar nonprofits.

501(c)9 • $10M-$25M nonprofits • Source year 2024

Net Margin

73rd percentile

22%

Higher net margin than 73% of similar nonprofits.

501(c)9 • $10M-$25M nonprofits • Source year 2024

Top Officer Pay

78th percentile

$173,330

Higher top officer pay than 78% of similar nonprofits.

Top officer pay equals 3.0% of source-year revenue.

501(c)9 • $10M-$25M nonprofits • Source year 2024

Asset Growth

73rd percentile

14%

Faster asset growth than 73% of similar nonprofits.

501(c)9 • $10M-$25M nonprofits • Annualized from 2023 to 2024

Revenue Growth

42nd percentile

3.8%

Faster revenue growth than 42% of similar nonprofits.

501(c)9 • $10M-$25M nonprofits • Annualized from 2023 to 2024

Balance Sheet
Liabilities / Assets84th percentile

Assets

Up

$13,768,271

Up $1,672,526 (+14%) from 2023

Liabilities

Down

$4,231,070

Down $33,629 (-0.8%) from 2023

Net Assets

Up

$9,537,201

Up $1,706,155 (+22%) from 2023

Operations
Liabilities / Revenue96th percentileNet Margin73rd percentile

Revenue

Up

$5,865,518

Up $215,560 (+3.8%) from 2023

Expenses

Down

$4,587,528

Down $821,757 (-15%) from 2023

Net Income

Up

$1,277,990

Up $1,037,317 (+431%) from 2023

Trend Graphs

Balance Sheet Trend

Asset Growth73rd percentile

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

$15M$10M$5.0M$0Assets 2010: $6,433,144Liabilities 2010: $1,046,494Net Assets 2010: $5,386,6502010Assets 2011: $6,762,875Liabilities 2011: $960,369Net Assets 2011: $5,802,5062011Assets 2012: $6,548,847Liabilities 2012: $1,195,667Net Assets 2012: $5,353,1802012Assets 2013: $6,709,881Liabilities 2013: $1,094,491Net Assets 2013: $5,615,3902013Assets 2014: $6,778,975Liabilities 2014: $1,138,501Net Assets 2014: $5,640,4742014Assets 2015: $6,375,046Liabilities 2015: $1,770,924Net Assets 2015: $4,604,1222015Assets 2016: $7,394,578Liabilities 2016: $825,974Net Assets 2016: $6,568,6042016Assets 2017: $8,073,531Liabilities 2017: $3,326,676Net Assets 2017: $4,746,8552017Assets 2018: $8,131,452Liabilities 2018: $3,368,248Net Assets 2018: $4,763,2042018Assets 2019: $9,139,046Liabilities 2019: $3,381,887Net Assets 2019: $5,757,1592019Assets 2020: $10,325,420Liabilities 2020: $3,557,354Net Assets 2020: $6,768,0662020Assets 2021: $10,389,341Liabilities 2021: $3,524,316Net Assets 2021: $6,865,0252021Assets 2022: $11,358,648Liabilities 2022: $3,815,927Net Assets 2022: $7,542,7212022Assets 2023: $12,095,745Liabilities 2023: $4,264,699Net Assets 2023: $7,831,0462023Assets 2024: $13,768,271Liabilities 2024: $4,231,070Net Assets 2024: $9,537,2012024

Highlighted filing

2024

Assets$13,768,271
Liabilities$4,231,070
Net Assets$9,537,201
Open 2024 Filing

Operations Trend

Revenue Growth42nd percentile

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

$6.0M$4.0M$2.0M$0-$2.0MExpenses 2010: $4,063,8872010Expenses 2011: $3,308,6152011Expenses 2012: $4,246,1822012Expenses 2013: $4,237,5712013Revenue 2014: $4,258,564Expenses 2014: $4,340,030Net Income 2014: -$81,4662014Revenue 2015: $3,891,991Expenses 2015: $4,929,460Net Income 2015: -$1,037,4692015Revenue 2016: $4,937,448Expenses 2016: $3,032,340Net Income 2016: $1,905,1082016Revenue 2017: $4,742,125Expenses 2017: $4,110,566Net Income 2017: $631,5592017Revenue 2018: $4,935,859Expenses 2018: $5,270,771Net Income 2018: -$334,9122018Revenue 2019: $5,158,007Expenses 2019: $4,260,839Net Income 2019: $897,1682019Revenue 2020: $5,394,876Expenses 2020: $4,312,748Net Income 2020: $1,082,1282020Revenue 2021: $4,770,556Expenses 2021: $4,773,810Net Income 2021: -$3,2542021Revenue 2022: $5,612,141Expenses 2022: $4,288,008Net Income 2022: $1,324,1332022Revenue 2023: $5,649,958Expenses 2023: $5,409,285Net Income 2023: $240,6732023Revenue 2024: $5,865,518Expenses 2024: $4,587,528Net Income 2024: $1,277,9902024

Highlighted filing

2024

Revenue$5,865,518
Expenses$4,587,528
Net Income$1,277,990
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
$13,768,271
Liabilities
$4,231,070
Net assets
$9,537,201
Revenue
$5,865,518
Expenses
$4,587,528
Net income
$1,277,990
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Facts available. Structured filing facts are available, but richer extracted sections are limited.$13.8$4.23$9.54$5.87$4.59$1.28
2023XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$12.1$4.26$7.83$5.65$5.41$0.24
2022XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$11.4$3.82$7.54$5.61$4.29$1.32
2021XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$10.4$3.52$6.87$4.77$4.77$0.00
2020XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$10.3$3.56$6.77$5.39$4.31$1.08
2019XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$9.14$3.38$5.76$5.16$4.26$0.90
2018Facts available. Structured filing facts are available, but richer extracted sections are limited.$8.13$3.37$4.76$4.94$5.27$0.33
2017XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$8.07$3.33$4.75$4.74$4.11$0.63
2016XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$7.39$0.83$6.57$4.94$3.03$1.91
2015Detailed filing. Detailed filing data is available for this year.$6.38$1.77$4.60$3.89$4.93$1.04
2014Detailed filing. Detailed filing data is available for this year.$6.78$1.14$5.64$4.26$4.34$0.08
2013Facts available. Structured filing facts are available, but richer extracted sections are limited.$6.71$1.09$5.62$4.24
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$6.55$1.20$5.35$4.25
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$6.76$0.96$5.80$3.31
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$6.43$1.05$5.39$4.06
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Aug 1, 2023 to Jul 31, 2024
Signed
May 14, 2025
Return Version
2023v6.0
Gross Receipts
$6,801,065
Mission and Program Overview

Mission

The fund provides health benefits for eligible members of insulators local 45.

The insulators local 45 health care plan is crafted for the purpose of providing health benefits for teh eligible memebrs under a collectively bargained agreement, in compliance with the taft-hartley act.

Balance Sheet Detail
LineBeginningEndChange
Assets
Investments in Publicly Traded Securities$8,291,492$9,030,064▲ $738,572
Savings and Temporary Cash Investments$2,202,439$2,252,986▲ $50,547
Cash and Non-Interest-Bearing Accounts$1,179,543$1,990,378▲ $810,835
Accounts Receivable$404,933$457,447▲ $52,514
Prepaid Expenses and Deferred Charges$17,338$37,396▲ $20,058
Total Assets$12,095,745$13,768,271▲ $1,672,526
Liabilities
Other Liabilities$4,185,822$4,193,312▲ $7,490
Accounts Payable and Accrued Expenses$78,877$37,758▼ $41,119
Total Liabilities$4,264,699$4,231,070▼ $33,629
Net Assets / Fund Balance
Net Assets Without Donor Restrictions$7,831,046$9,537,201▲ $1,706,155
Total Net Assets Fund Balance$7,831,046$9,537,201▲ $1,706,155
Total Liabilities and Net Assets / Fund Balance$12,095,745$13,768,271▲ $1,672,526
Compensation and Service Providers
Top Officer Pay78th percentile

Employees

NameTitleOtherTotal
Gregory FrostUnion Truste$147,544$147,544
Ryan WebbUnion Truste$1,158$1,158

Board Members and Trustees

NameTitle
Khris ShivelyChairman
Mike LuczkowskiManagement T
Robert BerniusManagement T
Scott MeredithSecretary

Highest Paid Contractors

ContractorServicesLocationCompensation
Benesys INCAdministrative700 TOWER DRIVE, STE 300, Troy, MI 48098$103,092
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$5,453,674
Investment Income
$411,844
Other Revenue
$0
Change in Net Assets
$1,277,990

Audited Revenue Reconciliation

Revenue per Audited Statements
$5,865,518
Revenue Not Reported on Form 990
$428,165
Total Revenue per Audited Statements
$6,293,683
Total Revenue per Form 990
$5,865,518
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$339,903
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$4,247,625--$4,247,625
Fees for Services Management-$105,698-$105,698
Fees for Services Legal-$82,902-$82,902
Fees for Services Other-$46,350-$46,350
Fees for Service Investment Mgmnt Fees$31,349--$31,349
Fees for Services Accounting-$27,966-$27,966
Office Expenses-$26,899-$26,899
Conferences and Meetings-$10,534-$10,534
Insurance-$6,978-$6,978
Other Expenses-$1,227-$1,227
Total Functional Expenses$4,278,974$308,554$0$4,587,528

Audited Expense Reconciliation

Line ItemAmount
Expenses per Audited Statements$4,587,528
Total Expenses per Audited Statements$4,587,528
Total Expenses per Form 990$4,587,528
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
Hra Benefits$3,393,357
Accumulated Eligibility Credits$465,672
Claims Incurred But Not Reported$334,283
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
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, Page 6, Part VI, Line 11B

“Board members receive a copy of form 990 for review before filing.”

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

“The policy is monitored and enforced by the board of trustees through monthly meetings.”

Form 990, Page 6, Part VI, Line 19

“No documents available to the public”

Filing and Contact Details

Filer

Filer Name
Insulators Local 45 Health Care
EIN
52-2001419
Phone
2488139800
Address
700 TOWER DRIVE, TROY, MI 48098-2808

Signing Officer

Name
Khris Shively
Title
Chairman
Phone
2488139800
Signed
2025-05-14
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Khris Shively
Formed
1996
Legal Domicile
Oh
Voting Board Members
6
Independent Board Members
3
Employees
30
Volunteers
6

Preparer

Firm
Bultynck & Co Pllc
Address
15985 CANAL RD, CLINTON TOWNSHIP, MI 48038-5021
Preparer
Christopher Scott Cpapfs Mst
Phone
5862867300
Supplemental Narrative

Additional Explanations

Form 990, Page 1, Part I, Line 6

“Volunteers consist of uncompensated board members.”

Raw XML Appendix375 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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IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc2CLAIMS INCURRED BUT NOT REPORTED
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IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0VOLUNTEERS CONSIST OF UNCOMPENSATED BOARD MEMBERS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1BOARD MEMBERS RECEIVE A COPY OF FORM 990 FOR REVIEW BEFORE FILING.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2THE POLICY IS MONITORED AND ENFORCED BY THE BOARD OF TRUSTEES THROUGH MONTHLY MEETINGS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3NO DOCUMENTS AVAILABLE TO THE PUBLIC
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0FORM 990, PAGE 1, PART I, LINE 6
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1FORM 990, PAGE 6, PART VI, LINE 11B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2FORM 990, PAGE 6, PART VI, LINE 12C
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3FORM 990, PAGE 6, PART VI, LINE 19
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ReturnHeader/BuildTS02025-03-06 01:10:19Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd0true
ReturnHeader/BusinessOfficerGrp/PersonNm0KHRIS SHIVELY
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ReturnHeader/BusinessOfficerGrp/SignatureDt02025-05-14
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0INSULATORS LOCAL 45 HEALTH CARE
ReturnHeader/Filer/BusinessName/BusinessNameLine2Txt0LYON
ReturnHeader/Filer/BusinessNameControlTxt0INSU
ReturnHeader/Filer/EIN0522001419
ReturnHeader/Filer/PhoneNum02488139800
ReturnHeader/Filer/USAddress/AddressLine1Txt0700 TOWER DRIVE
ReturnHeader/Filer/USAddress/CityNm0TROY
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ReturnHeader/IRSResponsiblePrtyInfoCurrInd0true
ReturnHeader/PreparerFirmGrp/PreparerFirmEIN0203920878
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt0BULTYNCK & CO PLLC
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt015985 CANAL RD
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm0CLINTON TOWNSHIP
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd0MI
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCd0480385021
ReturnHeader/PreparerPersonGrp/PhoneNum05862867300
ReturnHeader/PreparerPersonGrp/PreparationDt02025-05-14
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0CHRISTOPHER SCOTT CPAPFS MST
ReturnHeader/ReturnTs02025-06-05T11:19:11-04:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02023-08-01
ReturnHeader/TaxPeriodEndDt02024-07-31
ReturnHeader/TaxYr02023

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