Civic Intelligence

Cwm Employee Benefit Trust

990 • Fiscal year 2017 • EIN 58-1584846

May 01, 2016 to Apr 30, 2017 • Filed on Sep 14, 2017

PO Drawer 970Marietta, GA 30061

(770) 422-7520

Siviq Scores

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

Liabilities / Assets

24th percentile

0.00x

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

2017 filings • 501(c)9 • $5M-$10M nonprofits • Source year 2017

Liabilities / Revenue

25th percentile

0.00x

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

2017 filings • 501(c)9 • $5M-$10M nonprofits • Source year 2017

Net Margin

66th percentile

13%

Higher net margin than 66% of similar nonprofits.

2017 filings • 501(c)9 • $5M-$10M nonprofits • Source year 2017

Top Officer Pay

49th percentile

$0

Higher top officer pay than 49% of similar nonprofits.

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

2017 filings • 501(c)9 • $5M-$10M nonprofits • Source year 2017

Asset Growth

98th percentile

171%

Faster asset growth than 98% of similar nonprofits.

2017 filings • 501(c)9 • $5M-$10M nonprofits • Annualized from 2016 to 2017

Revenue Growth

40th percentile

2.1%

Faster revenue growth than 40% of similar nonprofits.

2017 filings • 501(c)9 • $5M-$10M nonprofits • Annualized from 2016 to 2017

Assets

Up

$1,735,046

Up $1,094,259 (+171%) from 2016

Net Assets

Up

$1,735,046

Up $1,094,259 (+171%) from 2016

Liabilities

Flat

$0

Flat from 2016

Revenue

Up

$8,241,357

Up $170,980 (+2.1%) from 2016

Expenses

Down

$7,147,098

Down $824,004 (-10%) from 2016

Net Income

Up

$1,094,259

Up $994,984 (+1002%) from 2016

Historical Trend

Balance Sheet Trend

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

$4.0M$3.0M$2.0M$1.0M$0Assets 2012: $1,084,234Liabilities 2012: $0Net Assets 2012: $1,084,2342012Assets 2013: $343,175Liabilities 2013: $0Net Assets 2013: $343,1752013Assets 2014: $234,310Liabilities 2014: $0Net Assets 2014: $234,3102014Assets 2015: $541,512Liabilities 2015: $0Net Assets 2015: $541,5122015Assets 2016: $640,787Liabilities 2016: $0Net Assets 2016: $640,7872016Assets 2017: $1,735,046Liabilities 2017: $0Net Assets 2017: $1,735,0462017Assets 2018: $2,078,843Liabilities 2018: $723,648Net Assets 2018: $1,355,1952018Assets 2019: $3,552,674Liabilities 2019: $720,176Net Assets 2019: $2,832,4982019Assets 2020: $3,131,290Liabilities 2020: $237,759Net Assets 2020: $2,893,5312020Assets 2021: $2,913,278Liabilities 2021: $89,968Net Assets 2021: $2,823,3102021Assets 2022: $2,501,146Liabilities 2022: $227,180Net Assets 2022: $2,273,9662022Assets 2023: $2,527,895Liabilities 2023: $372,170Net Assets 2023: $2,155,7252023Assets 2024: $3,016,550Liabilities 2024: $563,067Net Assets 2024: $2,453,4832024Assets 2025: $3,754,192Liabilities 2025: $81,686Net Assets 2025: $3,672,5062025

Highlighted filing

2017

Assets$1,735,046
Liabilities$0
Net Assets$1,735,046

Operations Trend

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

$20M$15M$10M$5.0M$0-$5.0MRevenue 2012: $7,693,438Expenses 2012: $7,288,375Net Income 2012: $405,0632012Revenue 2013: $5,370,456Expenses 2013: $6,111,515Net Income 2013: -$741,0592013Revenue 2014: $6,977,944Expenses 2014: $7,345,937Net Income 2014: -$367,9932014Revenue 2015: $9,768,106Expenses 2015: $9,460,904Net Income 2015: $307,2022015Revenue 2016: $8,070,377Expenses 2016: $7,971,102Net Income 2016: $99,2752016Revenue 2017: $8,241,357Expenses 2017: $7,147,098Net Income 2017: $1,094,2592017Revenue 2018: $7,966,750Expenses 2018: $8,163,882Net Income 2018: -$197,1322018Revenue 2019: $10,659,377Expenses 2019: $9,182,074Net Income 2019: $1,477,3032019Revenue 2020: $10,462,568Expenses 2020: $10,328,635Net Income 2020: $133,9332020Revenue 2021: $11,844,381Expenses 2021: $11,775,081Net Income 2021: $69,3002021Revenue 2022: $11,280,737Expenses 2022: $11,761,807Net Income 2022: -$481,0702022Revenue 2023: $12,925,124Expenses 2023: $13,015,749Net Income 2023: -$90,6252023Revenue 2024: $12,608,650Expenses 2024: $13,926,137Net Income 2024: -$1,317,4872024Revenue 2025: $18,664,556Expenses 2025: $17,751,111Net Income 2025: $913,4452025

Highlighted filing

2017

Revenue$8,241,357
Expenses$7,147,098
Net Income$1,094,259
Jump To
Filing Snapshot
Filing Period
May 1, 2016 to Apr 30, 2017
Signed
Sep 14, 2017
Return Version
2016v3.0
Gross Receipts
$8,241,357
Mission and Program Overview

Mission

Provide medical and disability coverage for members and their dependents

Balance Sheet Detail
LineBeginningEndChange
Assets
Savings and Temporary Cash Investments$640,787$1,735,046▲ $1,094,259
Rtn Earn Endowment Incm Other Fnds$640,787$1,735,046▲ $1,094,259
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$640,787$1,735,046▲ $1,094,259
Liabilities
Total Liabilities$0$0→ $0
Net Assets / Fund Balance
Total Net Assets Fund Balance$640,787$1,735,046▲ $1,094,259
Total Liabilities and Net Assets / Fund Balance$640,787$1,735,046▲ $1,094,259
Compensation and Service Providers

Board Members and Trustees

Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$8,235,996
Investment Income
$5,361
Other Revenue
$0
Change in Net Assets
$1,094,259
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Salaries, Compensation, and Employee Benefits$855,592
Other Expenses$489,801
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Benefits to Members$5,801,705--$5,801,705
Pension Plan Contributions$855,592--$855,592
Other Expenses$16,965--$16,965
Office Expenses$1,500--$1,500
Total Functional Expenses$7,147,098$0$0$7,147,098
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
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, Part VI, Section B, Line 11B

Review is conducted by signing trustee before filing.

Form 990, Part VI, Section C, Line 19

No documents available to the public

Filing and Contact Details

Filer

Filer Name
Cwm Employee Benefit Trust
EIN
58-1584846
Phone
7704227520
Address
PO DRAWER 970, MARIETTA, GA 30061

Signing Officer

Name
Michael D Bell
Title
Trustee
Phone
7704227520
Signed
2017-09-14

Organization Details

Principal Officer
Michael D Bell
Formed
1984
Legal Domicile
Ga
Voting Board Members
3
Independent Board Members
3
Employees
0
Volunteers
0
Raw XML Appendix256 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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ReturnHeader/FilingSecurityInformation/IPTm012:04:51
ReturnHeader/ReturnTs02017-09-14T12:53:42-05:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02016-05-01
ReturnHeader/TaxPeriodEndDt02017-04-30
ReturnHeader/TaxYr02016

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2025Facts available. Structured filing facts are available, but richer extracted sections are limited.$3.75$0.08$3.67$18.7$17.8$0.91
2024Detailed filing. Detailed filing data is available for this year.$3.02$0.56$2.45$12.6$13.9$1.32
2023Detailed filing. Detailed filing data is available for this year.$2.53$0.37$2.16$12.9$13.0$0.09
2022Detailed filing. Detailed filing data is available for this year.$2.50$0.23$2.27$11.3$11.8$0.48
2021Detailed filing. Detailed filing data is available for this year.$2.91$0.09$2.82$11.8$11.8$0.07
2020Detailed filing. Detailed filing data is available for this year.$3.13$0.24$2.89$10.5$10.3$0.13
2019Detailed filing. Detailed filing data is available for this year.$3.55$0.72$2.83$10.7$9.18$1.48
2018Detailed filing. Detailed filing data is available for this year.$2.08$0.72$1.36$7.97$8.16$0.20
2017Detailed filing. Detailed filing data is available for this year.$1.74$0.00$1.74$8.24$7.15$1.09
2016Summary only. Only limited summary data is available for this year.$0.64$0.00$0.64$8.07$7.97$0.10
2015Summary only. Only limited summary data is available for this year.$0.54$0.00$0.54$9.77$9.46$0.31
2014Summary only. Only limited summary data is available for this year.$0.23$0.00$0.23$6.98$7.35$0.37
2013Summary only. Only limited summary data is available for this year.$0.34$0.00$0.34$5.37$6.11$0.74
2012Summary only. Only limited summary data is available for this year.$1.08$0.00$1.08$7.69$7.29$0.41