Civic Intelligence

Miami Beach Firefighters Local 1510 Insurance Trust Fund

EIN 65-0868303 • 501(c)9 • Fort Lauderdale, FL

Profile

Providing benefits paid on behalf of eligible participants and their dependents.

1144 SE 3rd Avenue Suite AFort Lauderdale, FL 33316

n/A

Siviq Scores

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

Liabilities / Assets

21st percentile

0.00x

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

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

Liabilities / Revenue

25th percentile

0.00x

Higher debt load relative to revenue than 25% of similar nonprofits.

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

Net Margin

58th percentile

8.7%

Higher net margin than 58% of similar nonprofits.

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

Top Officer Pay

60th percentile

$75,498

Higher top officer pay than 60% of similar nonprofits.

Top officer pay equals 0.5% of source-year revenue.

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

Asset Growth

81st percentile

18%

Faster asset growth than 81% of similar nonprofits.

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

Revenue Growth

51st percentile

7.5%

Faster revenue growth than 51% of similar nonprofits.

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

Balance Sheet
Liabilities / Assets21st percentile

Assets

Up

$42,342,569

Up $6,475,359 (+18%) from 2023

Liabilities

Up

$20,713

Up $13,838 (+201%) from 2023

Net Assets

Up

$42,321,856

Up $6,461,521 (+18%) from 2023

Operations
Liabilities / Revenue25th percentileNet Margin58th percentile

Revenue

Up

$13,967,115

Up $973,654 (+7.5%) from 2023

Expenses

Up

$12,752,332

Up $1,792,489 (+16%) from 2023

Net Income

Down

$1,214,783

Down $818,835 (-40%) from 2023

Trend Graphs

Balance Sheet Trend

Asset Growth81st percentile

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

$60M$40M$20M$0Assets 2011: $7,395,686Liabilities 2011: $1,045Net Assets 2011: $7,394,6412011Assets 2012: $8,541,559Liabilities 2012: $332,979Net Assets 2012: $8,208,5802012Assets 2013: $10,344,407Liabilities 2013: $337,210Net Assets 2013: $10,007,1972013Assets 2014: $12,405,180Liabilities 2014: $1,525Net Assets 2014: $12,403,6552014Assets 2015: $13,396,796Liabilities 2015: $8,496Net Assets 2015: $13,388,3002015Assets 2016: $15,397,267Liabilities 2016: $505,083Net Assets 2016: $14,892,1842016Assets 2017: $17,208,624Liabilities 2017: $156,229Net Assets 2017: $17,052,3952017Assets 2018: $17,587,392Liabilities 2018: $185,306Net Assets 2018: $17,402,0862018Assets 2019: $21,742,443Liabilities 2019: $9,234Net Assets 2019: $21,733,2092019Assets 2020: $25,833,747Liabilities 2020: $42,649Net Assets 2020: $25,791,0982020Assets 2021: $32,101,236Liabilities 2021: $8,229Net Assets 2021: $32,093,0072021Assets 2022: $29,442,771Liabilities 2022: $87,473Net Assets 2022: $29,355,2982022Assets 2023: $35,867,210Liabilities 2023: $6,875Net Assets 2023: $35,860,3352023Assets 2024: $42,342,569Liabilities 2024: $20,713Net Assets 2024: $42,321,8562024

Highlighted filing

2024

Assets$42,342,569
Liabilities$20,713
Net Assets$42,321,856
Open 2024 Filing

Operations Trend

Revenue Growth51st percentile

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

$15M$10M$5.0M$0Expenses 2011: $3,650,8962011Expenses 2012: $3,867,9952012Revenue 2013: $5,415,272Expenses 2013: $4,049,115Net Income 2013: $1,366,1572013Revenue 2014: $6,057,410Expenses 2014: $4,264,509Net Income 2014: $1,792,9012014Revenue 2015: $6,701,929Expenses 2015: $5,110,618Net Income 2015: $1,591,3112015Revenue 2016: $2,488,221Expenses 2016: $2,072,326Net Income 2016: $415,8952016Revenue 2017: $8,221,831Expenses 2017: $6,701,467Net Income 2017: $1,520,3642017Revenue 2018: $8,488,054Expenses 2018: $6,696,964Net Income 2018: $1,791,0902018Revenue 2019: $9,603,728Expenses 2019: $7,412,367Net Income 2019: $2,191,3612019Revenue 2020: $10,686,366Expenses 2020: $7,812,459Net Income 2020: $2,873,9072020Revenue 2021: $14,294,260Expenses 2021: $7,437,873Net Income 2021: $6,856,3872021Revenue 2022: $10,239,297Expenses 2022: $8,722,889Net Income 2022: $1,516,4082022Revenue 2023: $12,993,461Expenses 2023: $10,959,843Net Income 2023: $2,033,6182023Revenue 2024: $13,967,115Expenses 2024: $12,752,332Net Income 2024: $1,214,7832024

Highlighted filing

2024

Revenue$13,967,115
Expenses$12,752,332
Net Income$1,214,783
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
$42,342,569
Liabilities
$20,713
Net assets
$42,321,856
Revenue
$13,967,115
Expenses
$12,752,332
Net income
$1,214,783
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Facts available. Structured filing facts are available, but richer extracted sections are limited.$42.3$0.02$42.3$14.0$12.8$1.21
2023Detailed filing. Detailed filing data is available for this year.$35.9$0.01$35.9$13.0$11.0$2.03
2022Detailed filing. Detailed filing data is available for this year.$29.4$0.09$29.4$10.2$8.72$1.52
2021Detailed filing. Detailed filing data is available for this year.$32.1$0.01$32.1$14.3$7.44$6.86
2020Detailed filing. Detailed filing data is available for this year.$25.8$0.04$25.8$10.7$7.81$2.87
2019Detailed filing. Detailed filing data is available for this year.$21.7$0.01$21.7$9.60$7.41$2.19
2018Detailed filing. Detailed filing data is available for this year.$17.6$0.19$17.4$8.49$6.70$1.79
2017Detailed filing. Detailed filing data is available for this year.$17.2$0.16$17.1$8.22$6.70$1.52
2016Summary only. Only limited summary data is available for this year.$15.4$0.51$14.9$2.49$2.07$0.42
2015Detailed filing. Detailed filing data is available for this year.$13.4$0.01$13.4$6.70$5.11$1.59
2014Detailed filing. Detailed filing data is available for this year.$12.4$0.00$12.4$6.06$4.26$1.79
2013Facts available. Structured filing facts are available, but richer extracted sections are limited.$10.3$0.34$10.0$5.42$4.05$1.37
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$8.54$0.33$8.21$3.87
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$7.40$0.00$7.39$3.65
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2024 to Dec 31, 2024
Signed
Oct 24, 2025
Return Version
2024v5.0
Gross Receipts
$30,455,231
Mission and Program Overview

Mission

Providing benefits paid on behalf of eligible participants and their dependents.

Balance Sheet Detail
LineBeginningEndChange
Assets
Investments in Publicly Traded Securities$34,073,633$40,817,308▲ $6,743,675
Savings and Temporary Cash Investments$894,785$770,103▼ $124,682
Accounts Receivable$483,704$474,176▼ $9,528
Cash and Non-Interest-Bearing Accounts$367,993$236,678▼ $131,315
Total Assets$35,867,210$42,342,569▲ $6,475,359
Other Assets Total$47,095$44,304▼ $2,791
Liabilities
Accounts Payable and Accrued Expenses$6,875$20,713▲ $13,838
Total Liabilities$6,875$20,713▲ $13,838
Net Assets / Fund Balance
Net Assets Without Donor Restrictions$35,860,335$42,321,856▲ $6,461,521
Total Net Assets Fund Balance$35,860,335$42,321,856▲ $6,461,521
Total Liabilities and Net Assets / Fund Balance$35,867,210$42,342,569▲ $6,475,359

Asset Categories

AssetBook ValueDepreciationBasis
Equipment-$5,518$5,518
Compensation and Service Providers
Top Officer Pay60th percentile

Employees

NameTitleFull / Part TimeBaseTotal
Adonis GarciaPresident-$75,498$75,498
Michelle VieraSecretaryPT$63,316$63,316
Michael BradyTrustee-$63,316$63,316

Board Members and Trustees

NameTitle
David SolaTrustee
Erick ChirolesTrustee
Gustavo AlmeydaTrustee
Ivan ChavezTrustee
Jose FloresTrustee
Michael SicaTrustee
Oliver HannaTrustee
Oscar LimaTrustee
Rick FernandezTrustee
Robert RapadoTrustee
David GarciaTreasurer
David AndersonVice Preside
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$12,042,133
Investment Income
$1,097,051
Other Revenue
$827,931
Change in Net Assets
$1,214,783

Audited Revenue Reconciliation

Revenue per Audited Statements
$13,828,309
Revenue Not Reported on Financial Statements
$138,806
Revenue Not Reported on Form 990
$5,246,737
Total Revenue per Audited Statements
$19,075,046
Total Revenue per Form 990
$13,967,115
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$1,669,943
Salaries, Compensation, and Employee Benefits$217,740
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Benefits to Members---$10,864,649
Insurance---$1,282,570
Current Officers, Directors, Trustees, and Key Employees---$202,130
Fees for Service Investment Mgmnt Fees---$138,806
Fees for Services Accounting---$56,925
Conferences and Meetings---$37,158
Travel---$33,559
Fees for Services Legal---$32,064
Office Expenses---$30,876
Payroll Taxes---$15,610
Fees for Services Other---$14,263
Other Expenses---$1,525
Total Functional Expenses$0$0$0$12,752,332

Audited Expense Reconciliation

Line ItemAmount
Total Expenses per Form 990$12,752,332
Expenses per Audited Statements$12,613,526
Total Expenses per Audited Statements$12,613,526
Expenses Not Reported on Financial Statements$138,806
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
No
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, Page 6, Part VI, Line 11B

“A member of the board will review of the 990 ahead of filing.”

Form 990, Page 6, Part VI, Line 19

“AVAILABLE UPON REQUEST.”

Filing and Contact Details

Filer

Filer Name
Miami Beach Firefighters Local 1510
EIN
65-0868303
Phone
9546894977
Address
1144 SE 3RD AVENUE SUITE A, FORT LAUDERDALE, FL 33316

Signing Officer

Name
Michelle Viera
Title
Secretary
Phone
9546894977
Signed
2025-10-24
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Michelle Viera
Formed
1998
Legal Domicile
Fl
Voting Board Members
14
Independent Board Members
11
Employees
3

Preparer

Firm
Bellows Associates Pa
Address
5401 N UNIVERSITY DRIVE SUITE 201, CORAL SPRINGS, FL 33067
Preparer
Kirsten D Messina Mba Afsp
Phone
9548387000
Supplemental Narrative

Additional Explanations

Form 990, Part XI, Line 9

“To reconcile to audited beginning net assets 1”

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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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IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1AVAILABLE UPON REQUEST.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2TO RECONCILE TO AUDITED BEGINNING NET ASSETS 1
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ReturnHeader/BuildTS02025-03-06 01:10:19Z
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ReturnHeader/BusinessOfficerGrp/SignatureDt02025-10-24
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ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt05401 N UNIVERSITY DRIVE SUITE 201
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm0CORAL SPRINGS
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ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCd033067
ReturnHeader/PreparerPersonGrp/PhoneNum09548387000
ReturnHeader/PreparerPersonGrp/PreparationDt02025-11-05
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0KIRSTEN D MESSINA MBA AFSP
ReturnHeader/ReturnTs02025-11-05T16:46:20-05:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02024-01-01
ReturnHeader/TaxPeriodEndDt02024-12-31
ReturnHeader/TaxYr02024

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