Civic Intelligence

Insulators Local 45 Health Care

990 • Fiscal year 2016 • EIN 52-2001419

Aug 01, 2015 to Jul 31, 2016 • Filed on Jun 01, 2017

Organization ProfileN/A

View Organization Page

4904 N Summit StToledo, OH 43611

(419) 726-4683

Siviq Scores

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

Liabilities / Assets

67th percentile

0.11x

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

2016 filings • 501(c)9 • $5M-$10M nonprofits • Source year 2016

Liabilities / Revenue

79th percentile

0.17x

Higher debt load relative to revenue than 79% of similar nonprofits.

2016 filings • 501(c)9 • $5M-$10M nonprofits • Source year 2016

Net Margin

88th percentile

39%

Higher net margin than 88% of similar nonprofits.

2016 filings • 501(c)9 • $5M-$10M nonprofits • Source year 2016

Top Officer Pay

50th percentile

$0

Higher top officer pay than 50% of similar nonprofits.

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

2016 filings • 501(c)9 • $5M-$10M nonprofits • Source year 2016

Asset Growth

77th percentile

16%

Faster asset growth than 77% of similar nonprofits.

2016 filings • 501(c)9 • $5M-$10M nonprofits • Annualized from 2015 to 2016

Revenue Growth

86th percentile

27%

Faster revenue growth than 86% of similar nonprofits.

2016 filings • 501(c)9 • $5M-$10M nonprofits • Annualized from 2015 to 2016

Balance Sheet
Liabilities / Assets67th percentile

Assets

Up

$7,394,578

Up $1,019,532 (+16%) from 2015

Net Assets

Up

$6,568,604

Up $1,964,482 (+43%) from 2015

Liabilities

Down

$825,974

Down $944,950 (-53%) from 2015

Revenue And Expenses
Liabilities / Revenue79th percentileNet Margin88th percentile

Revenue

Up

$4,937,448

Up $1,045,457 (+27%) from 2015

Expenses

Down

$3,032,340

Down $1,897,120 (-38%) from 2015

Net Income

Up

$1,905,108

Up $2,942,577 (+284%) from 2015

Historical Trend

Balance Sheet Trend

Asset Growth77th percentile

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

$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

2016

Assets$7,394,578
Liabilities$825,974
Net Assets$6,568,604
Open 2016 Filing

Operations Trend

Revenue Growth86th percentile

Revenue, expenses, and net income across loaded years, with this 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

2016

Revenue$4,937,448
Expenses$3,032,340
Net Income$1,905,108
Open 2016 Filing
Jump To
Filing Snapshot
Filing Period
Aug 1, 2015 to Jul 31, 2016
Signed
Jun 1, 2017
Return Version
2015v3.0
Gross Receipts
$8,670,525
Mission and Program Overview

Mission

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

Balance Sheet Detail
LineBeginningEndChange
Assets
Rtn Earn Endowment Incm Other Fnds$4,604,122$6,568,604▲ $1,964,482
Investments in Publicly Traded Securities$5,652,495$5,648,721▼ $3,774
Cash and Non-Interest-Bearing Accounts$426,998$1,237,463▲ $810,465
Accounts Receivable$293,298$440,593▲ $147,295
Prepaid Expenses and Deferred Charges$2,255$67,801▲ $65,546
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$6,375,046$7,394,578▲ $1,019,532
Liabilities
Other Liabilities$1,735,782$779,830▼ $955,952
Accounts Payable and Accrued Expenses$35,142$46,144▲ $11,002
Total Liabilities$1,770,924$825,974▼ $944,950
Net Assets / Fund Balance
Total Net Assets Fund Balance$4,604,122$6,568,604▲ $1,964,482
Total Liabilities and Net Assets / Fund Balance$6,375,046$7,394,578▲ $1,019,532
Compensation and Service Providers
Top Officer Pay50th percentile

Board Members and Trustees

NameTitle
Brad ViersManagement Trustee
Scott MeredithManagement Trustee
Shaun MurrayManagement Trustee
Gregory FrostUnion Trustee
Joe CraleyUnion Trustee
Mark FelgnerUnion Trustee
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$4,801,094
Investment Income
$136,354
Other Revenue
$0
Change in Net Assets
$1,905,108

Audited Revenue Reconciliation

Revenue per Audited Statements
$4,921,026
Revenue Not Reported on Financial Statements
$16,422
Revenue Not Reported on Form 990
$75,796
Total Revenue per Audited Statements
$4,996,822
Total Revenue per Form 990
$4,937,448
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$281,713
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---$2,750,627
Fees for Services Legal---$61,693
All Other Expenses---$38,149
Fees for Services Accounting---$25,390
Other Expenses---$17,294
Office Expenses---$12,457
Fees for Services Other---$10,591
Total Functional Expenses$0$0$0$3,032,340

Audited Expense Reconciliation

Line ItemAmount
Expenses per Audited Statements$3,974,280
Total Expenses per Audited Statements$3,974,280
Total Expenses per Form 990$3,032,340
Expenses Not Reported on Form 990$0
Expenses Not Reported on Financial Statements$-941,940
Other Expense Adjustments$-941,940
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$478,005
Claims Incurred but not Reported$301,825
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
Yes
Audit committee
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, Part VI, Section B, line 11

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

Form 990, Part VI, Section B, line 12C

“The policy is monitored and enforced by the Board of Trustees through monthly meetings”

Form 990, Part VI, Section C, line 19

“All available upon request.”

Filing and Contact Details

Filer

Filer Name
Insulators Local 45
EIN
52-2001419
Phone
4197264683
Address
4904 N Summit St, Toledo, OH 43611

Signing Officer

Name
Mark Felgner
Title
Trustee
Phone
4197264683
Signed
2017-06-01
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Mark Felgner
Formed
1996
Legal Domicile
Oh
Voting Board Members
6
Independent Board Members
6
Employees
0
Volunteers
0

Preparer

Firm
LublinSussman Group LLP
Address
3166 N Republic Blvd, Toledo, OH 43615
Preparer
Lee D Wunschel
Phone
4198412848
Supplemental Narrative

Additional Explanations

Form 990, Part IV, Line 15

“The organization does not have any employees”

Financial Statement Notes

Part X, Line 2:

“The Plan has determined that there are no uncertain tax positions that require disclosure in these financial statements under the FASB Accounting Standards Codification topic Income Taxes. The tax years 2012 through 2015 are subject to possible examination by the Internal Revenue Service.”

Part XII, Line 4B - Other Adjustments:

“Change in Reserve for Ext Eligibility -490,924. Claims Incurred, Not Reported -465,028. Change in Claims Payable 14,012.”

Raw XML Appendix324 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/PersonNm4Shaun Murray
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IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt10
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IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt20
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IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt40
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt50
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IRS990/Form990PartVIISectionAGrp/TitleTxt1Union Trustee
IRS990/Form990PartVIISectionAGrp/TitleTxt2Union Trustee
IRS990/Form990PartVIISectionAGrp/TitleTxt3Management Trustee
IRS990/Form990PartVIISectionAGrp/TitleTxt4Management Trustee
IRS990/Form990PartVIISectionAGrp/TitleTxt5Management Trustee
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IRS990/GrantsToIndividualsInd00
IRS990/GrantsToOrganizationsInd00
IRS990/GrantToRelatedPersonInd00
IRS990/GrossAmountSalesAssetsGrp/SecuritiesAmt03760389
IRS990/GrossReceiptsAmt08670525
IRS990/GroupReturnForAffiliatesInd00
IRS990/IncludeFIN48FootnoteInd01
IRS990/IndependentAuditFinclStmtInd01
IRS990/IndependentVotingMemberCnt06
IRS990/IndivRcvdGreaterThan100KCnt00
IRS990/IndoorTanningServicesInd00
IRS990/InfoInScheduleOPartVIInd0X
IRS990/InvestmentExpenseAmt0-16422
IRS990/InvestmentIncomeGrp/ExclusionAmt0109042
IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt0109042
IRS990/InvestmentInJointVentureInd00
IRS990/InvestmentsPubTradedSecGrp/BOYAmt05652495
IRS990/InvestmentsPubTradedSecGrp/EOYAmt05648721
IRS990/IRPDocumentCnt0300
IRS990/IRPDocumentW2GCnt00
IRS990/LegalDomicileStateCd0OH
IRS990/LessCostOthBasisSalesExpnssGrp/SecuritiesAmt03733077
IRS990/LoanOutstandingInd00
IRS990/LocalChaptersInd00
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IRS990/MethodOfAccountingAccrualInd0X
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IRS990/MoreThan5000KToIndividualsInd00
IRS990/MoreThan5000KToOrgInd00
IRS990/NetAssetsOrFundBalancesBOYAmt04604122
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IRS990/NetUnrelatedBusTxblIncmAmt00
IRS990/NetUnrlzdGainsLossesInvstAmt075796
IRS990/NoListedPersonsCompensatedInd0X
IRS990/NondeductibleContributionsInd00
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IRS990/OfficerMailingAddressInd00
IRS990/OperateHospitalInd00
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowSFAS117Ind0X
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IRS990/OtherExpensesGrp/Desc0Administrative Expense
IRS990/OtherExpensesGrp/Desc1Consulting
IRS990/OtherExpensesGrp/Desc2Printing and Publicatio
IRS990/OtherExpensesGrp/Desc3Claims Management
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IRS990/ProgramServiceRevenueGrp/Desc2Medicare Part D
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IRS990ScheduleD/SupplementalInformationDetail/ExplanationTxt0The Plan has determined that there are no uncertain tax positions that require disclosure in these financial statements under the FASB Accounting Standards Codification topic Income Taxes. The tax years 2012 through 2015 are subject to possible examination by the Internal Revenue Service.
IRS990ScheduleD/SupplementalInformationDetail/ExplanationTxt1Change in Reserve for Ext Eligibility -490,924. Claims Incurred, Not Reported -465,028. Change in Claims Payable 14,012.
IRS990ScheduleD/SupplementalInformationDetail/FormAndLineReferenceDesc0Part X, Line 2:
IRS990ScheduleD/SupplementalInformationDetail/FormAndLineReferenceDesc1Part XII, Line 4b - Other Adjustments:
IRS990ScheduleD/TotalBookValueLandBuildingsAmt00
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IRS990ScheduleD/TotalLiabilityAmt0779830
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IRS990/ScheduleJRequiredInd00
IRS990/ScheduleORequiredInd01
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0The organization does not have any employees
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/ExplanationTxt3All available upon request.
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0Form 990, Part IV, Line 15
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1Form 990, Part VI, Section B, line 11
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2Form 990, Part VI, Section B, line 12c
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3Form 990, Part VI, Section C, line 19
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IRS990/TaxExemptBondsInd00
IRS990/TempOrPermanentEndowmentsInd00
IRS990/TerminateOperationsInd00
IRS990/TotalAssetsBOYAmt06375046
IRS990/TotalAssetsEOYAmt07394578
IRS990/TotalAssetsGrp/BOYAmt06375046
IRS990/TotalAssetsGrp/EOYAmt07394578
IRS990/TotalCompGreaterThan150KInd00
IRS990/TotalEmployeeCnt00
IRS990/TotalFunctionalExpensesGrp/TotalAmt03032340
IRS990/TotalGrossUBIAmt00
IRS990/TotalLiabilitiesBOYAmt01770924
IRS990/TotalLiabilitiesEOYAmt0825974
IRS990/TotalLiabilitiesGrp/BOYAmt01770924
IRS990/TotalLiabilitiesGrp/EOYAmt0825974
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt04604122
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt06568604
IRS990/TotalOtherCompensationAmt00
IRS990/TotalProgramServiceRevenueAmt04801094
IRS990/TotalReportableCompFromOrgAmt00
IRS990/TotalRevenueGrp/ExclusionAmt0109042
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt04828406
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt04937448
IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt00
IRS990/TotalVolunteersCnt00
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt06375046
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt07394578
IRS990/TotReportableCompRltdOrgAmt00
IRS990/TypeOfOrganizationOtherInd0X
IRS990/UnrelatedBusIncmOverLimitInd00
IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine1Txt04904 North Summit Street
IRS990/USAddress/CityNm0Toledo
IRS990/USAddress/StateAbbreviationCd0OH
IRS990/USAddress/ZIPCd043611
IRS990/VotingMembersGoverningBodyCnt06
IRS990/VotingMembersIndependentCnt06
IRS990/WebsiteAddressTxt0N/A
IRS990/WhistleblowerPolicyInd01
ReturnHeader/BuildTS02017-02-10 21:41:12Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd01
ReturnHeader/BusinessOfficerGrp/PersonNm0Mark Felgner
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0Trustee
ReturnHeader/BusinessOfficerGrp/PhoneNum04197264683
ReturnHeader/BusinessOfficerGrp/SignatureDt02017-06-01
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0Insulators Local 45
ReturnHeader/Filer/BusinessName/BusinessNameLine2Txt0Health Care Plan
ReturnHeader/Filer/BusinessNameControlTxt0INSU
ReturnHeader/Filer/EIN0522001419
ReturnHeader/Filer/PhoneNum04197264683
ReturnHeader/Filer/USAddress/AddressLine1Txt04904 N Summit St
ReturnHeader/Filer/USAddress/CityNm0Toledo
ReturnHeader/Filer/USAddress/StateAbbreviationCd0OH
ReturnHeader/Filer/USAddress/ZIPCd043611
ReturnHeader/PreparerFirmGrp/PreparerFirmEIN0341087273
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt0LublinSussman Group LLP
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt03166 N Republic Blvd
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm0Toledo
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd0OH
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCd043615
ReturnHeader/PreparerPersonGrp/PhoneNum04198412848
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0Lee D Wunschel
ReturnHeader/ReturnTs02017-06-01T15:36:28-05:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02015-08-01
ReturnHeader/TaxPeriodEndDt02016-07-31
ReturnHeader/TaxYr02015

Document Assets

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Filings

Displayed year

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

Open filing
Assets
$7,394,578
Liabilities
$825,974
Net assets
$6,568,604
Revenue
$4,937,448
Expenses
$3,032,340
Net income
$1,905,108
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
2016Detailed filing. Detailed filing data is available for this year.$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