Civic Intelligence

Montana Food Distributors Association

EIN 81-0171144 • 501(c)6 • Helena, MT

Profile

Promoting and protecting the grocery industry of montana. To provide members with the services, which may be impossible, impractical or economically infeasible to achieve alone.

PO Box 5775Helena, MT 59604

www.mfda.biz

Siviq Scores

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

Liabilities / Assets

93rd percentile

0.72x

Higher debt load relative to assets than 93% of similar nonprofits.

501(c)6 • $1M-$5M nonprofits • Source year 2024

Liabilities / Revenue

100th percentile

13.99x

Higher debt load relative to revenue than 100% of similar nonprofits.

501(c)6 • $1M-$5M nonprofits • Source year 2024

Net Margin

61st percentile

7.9%

Higher net margin than 61% of similar nonprofits.

501(c)6 • $1M-$5M nonprofits • Source year 2024

Top Officer Pay

32nd percentile

$50,000

Higher top officer pay than 32% of similar nonprofits.

Top officer pay equals 31.1% of source-year revenue.

501(c)6 • $1M-$5M nonprofits • Source year 2024

Asset Growth

16th percentile

-9.0%

Faster asset growth than 16% of similar nonprofits.

501(c)6 • $1M-$5M nonprofits • Annualized from 2023 to 2024

Revenue Growth

88th percentile

34%

Faster revenue growth than 88% of similar nonprofits.

501(c)6 • $1M-$5M nonprofits • Annualized from 2023 to 2024

Assets

Down

$3,111,322

Down $307,849 (-9.0%) from 2023

Liabilities

Down

$2,251,037

Down $320,558 (-12%) from 2023

Net Assets

Up

$860,285

Up $12,709 (+1.5%) from 2023

Revenue

Up

$160,910

Up $40,635 (+34%) from 2023

Expenses

Up

$148,201

Up $11,607 (+8.5%) from 2023

Net Income

Up

$12,709

Up $29,028 (+178%) from 2023

Trend Graphs

Balance Sheet Trend

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

$4.0M$3.0M$2.0M$1.0M$0Assets 2010: $2,974,624Liabilities 2010: $2,243,322Net Assets 2010: $731,3022010Assets 2011: $2,135,400Liabilities 2011: $1,270,694Net Assets 2011: $864,7062011Assets 2012: $2,423,598Liabilities 2012: $1,571,109Net Assets 2012: $852,4892012Assets 2013: $2,468,828Liabilities 2013: $1,570,005Net Assets 2013: $898,8232013Assets 2014: $2,190,276Liabilities 2014: $1,150,656Net Assets 2014: $1,039,6202014Assets 2015: $1,854,356Liabilities 2015: $907,233Net Assets 2015: $947,1232015Assets 2016: $1,813,854Liabilities 2016: $886,415Net Assets 2016: $927,4392016Assets 2017: $2,740,607Liabilities 2017: $1,767,664Net Assets 2017: $972,9432017Assets 2018: $2,748,054Liabilities 2018: $1,772,901Net Assets 2018: $975,1532018Assets 2019: $3,050,512Liabilities 2019: $2,088,844Net Assets 2019: $961,6682019Assets 2020: $3,029,316Liabilities 2020: $2,098,658Net Assets 2020: $930,6582020Assets 2021: $3,232,288Liabilities 2021: $2,332,011Net Assets 2021: $900,2772021Assets 2022: $2,893,172Liabilities 2022: $2,029,277Net Assets 2022: $863,8952022Assets 2023: $3,419,171Liabilities 2023: $2,571,595Net Assets 2023: $847,5762023Assets 2024: $3,111,322Liabilities 2024: $2,251,037Net Assets 2024: $860,2852024

Highlighted filing

2024

Assets$3,111,322
Liabilities$2,251,037
Net Assets$860,285

Operations Trend

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

$400K$200K$0-$200KExpenses 2010: $278,5112010Expenses 2011: $267,3242011Revenue 2012: $293,032Expenses 2012: $248,095Net Income 2012: $44,9372012Revenue 2013: $292,074Expenses 2013: $258,604Net Income 2013: $33,4702013Revenue 2014: $331,262Expenses 2014: $190,465Net Income 2014: $140,7972014Revenue 2015: $144,422Expenses 2015: $236,919Net Income 2015: -$92,4972015Revenue 2016: $180,851Expenses 2016: $200,535Net Income 2016: -$19,6842016Revenue 2017: $166,016Expenses 2017: $167,408Net Income 2017: -$1,3922017Revenue 2018: $158,102Expenses 2018: $155,892Net Income 2018: $2,2102018Revenue 2019: $131,799Expenses 2019: $145,284Net Income 2019: -$13,4852019Revenue 2020: $105,708Expenses 2020: $143,932Net Income 2020: -$38,2242020Revenue 2021: $111,208Expenses 2021: $141,589Net Income 2021: -$30,3812021Revenue 2022: $115,212Expenses 2022: $151,594Net Income 2022: -$36,3822022Revenue 2023: $120,275Expenses 2023: $136,594Net Income 2023: -$16,3192023Revenue 2024: $160,910Expenses 2024: $148,201Net Income 2024: $12,7092024

Highlighted filing

2024

Revenue$160,910
Expenses$148,201
Net Income$12,709

Filings

Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Facts available. Structured filing facts are available, but richer extracted sections are limited.$3.11$2.25$0.86$0.16$0.15$0.01
2023XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$3.42$2.57$0.85$0.12$0.14$0.02
2022Detailed filing. Detailed filing data is available for this year.$2.89$2.03$0.86$0.12$0.15$0.04
2021Detailed filing. Detailed filing data is available for this year.$3.23$2.33$0.90$0.11$0.14$0.03
2020XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$3.03$2.10$0.93$0.11$0.14$0.04
2019XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$3.05$2.09$0.96$0.13$0.15$0.01
2018XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$2.75$1.77$0.98$0.16$0.16$0.00
2017Facts available. Structured filing facts are available, but richer extracted sections are limited.$2.74$1.77$0.97$0.17$0.17$0.00
2016XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$1.81$0.89$0.93$0.18$0.20$0.02
2015XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$1.85$0.91$0.95$0.14$0.24$0.09
2014Detailed filing. Detailed filing data is available for this year.$2.19$1.15$1.04$0.33$0.19$0.14
2013Detailed filing. Detailed filing data is available for this year.$2.47$1.57$0.90$0.29$0.26$0.03
2012Summary only. Only limited summary data is available for this year.$2.42$1.57$0.85$0.29$0.25$0.04
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$2.14$1.27$0.86$0.27
2010XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$2.97$2.24$0.73$0.28
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2024 to Dec 31, 2024
Signed
Nov 17, 2025
Return Version
2024v5.2
Gross Receipts
$160,910
Mission and Program Overview

Mission

Promoting and protecting the grocery industry of Montana. To provide members with the services, which may be impossible, impractical or economically infeasible to achieve alone.

To promote the economic, civil and social welfare of food distrutors within montana.

Balance Sheet Detail
LineBeginningEndChange
Assets
Savings and Temporary Cash Investments$1,543,539$1,512,500▼ $31,039
Cash and Non-Interest-Bearing Accounts$226,638$228,568▲ $1,930
Accounts Receivable$494,385$154,303▼ $340,082
Other Notes and Loans Receivable, Net-$0-
Pledges and Grants Receivable-$0-
Receivable From Disqualified Prsn-$0-
Receivables From Officers Etc-$0-
Investments Other Securities-$0-
Investments Program Related-$0-
Investments in Publicly Traded Securities-$0-
Land, Buildings, and Equipment, Net-$0-
Intangible Assets-$0-
Inventories for Sale or Use-$0-
Prepaid Expenses and Deferred Charges-$0-
Total Assets$3,419,171$3,111,322▼ $307,849
Other Assets Total$1,154,609$1,215,951▲ $61,342
Liabilities
Other Liabilities$2,110,336$1,788,801▼ $321,535
Accounts Payable and Accrued Expenses$461,259$462,236▲ $977
Total Liabilities$2,571,595$2,251,037▼ $320,558
Net Assets / Fund Balance
Net Assets Without Donor Restrictions$847,576$860,285▲ $12,709
Total Net Assets Fund Balance$847,576$860,285▲ $12,709
Total Liabilities and Net Assets / Fund Balance$3,419,171$3,111,322▼ $307,849

Asset Categories

AssetBook ValueDepreciationBasis
Equipment-$75,184$75,184
Other Assets Org$600,967--
Compensation and Service Providers

Employees

NameTitleFull / Part TimeBaseTotal
Mckee AndersonPresident/Ex DiFT$50,000$50,000

Board Members and Trustees

NameTitle
Mitch BradleyChairman
Gary McdanielVice Chairman
Bruce SwansonDirector
Chris SchellDirector
Richard StangDirector
Tim HortonDirector
Richard AndersonCouncil Rep
Kathie EmmettSecretary/Treas
Revenue and Support

Revenue Composition

Contributions and Grants
$42,690
Program Service Revenue
$102,928
Investment Income
$15,217
Other Revenue
$75
Change in Net Assets
$12,709
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Salaries, Compensation, and Employee Benefits$114,599
Other Expenses$33,602
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Current Officers, Directors, Trustees, and Key Employees---$50,000
Other Salaries and Wages---$43,182
Occupancy---$20,613
Other Employee Benefits---$12,411
Payroll Taxes---$8,576
Office Expenses---$6,595
Insurance---$2,068
Fees for Services Accounting---$1,724
Pension Plan Contributions---$430
Other Expenses---$79
All Other Expenses---$55
Total Functional Expenses$0$0$0$148,201
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
In-house lobbying only
Yes
Subject to proxy tax
Yes
Insider Transactions and Loans

Loans and Receivables

Line ItemBeginningEndChange
Receivables from Disqualified Persons-$0-
Receivables from Officers, Directors, Trustees, and Key Employees-$0-
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Other Liabilities$1,173,817
Cash Held in Trust for Members$614,984
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
Yes
Backup withholding compliance
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
Yes
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 A, Line 6

The organization is comprised of members who pay annual dues.

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

The form 990 is reviewed by the executive director prior to being filed.

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

The board discusses and documents (in the minutes) conflicts of interest at the board meeting held in january of each year. If conflicts of interest were to arise at other times during the year, they would be discussed and documented in board meeting minutes.

Form 990, Part VI, Section B, Line 15A

When the current executive director was hired, a compensation study was performed, along with a review and subsequest approval by the board's executive committee. The contract with the current executive director is for six years (ending in 2021). Therefore, this process is not performed annually.

Form 990, Part VI, Section C, Line 19

The governing documents, policies and financial statements are made available to the public upon request. The annual financials and form 990 are presented to the board at a meeting to members at their annual meeting.

Filing and Contact Details

Filer

Filer Name
Montana Food Distributors Assoc
EIN
81-0171144
Phone
4064496394
Address
PO BOX 5775, HELENA, MT 59604

Signing Officer

Name
Mckee Anderson
Title
President/Ex Director
Signed
2025-11-17
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Mckee Anderson
Formed
1939
Legal Domicile
Mt
Voting Board Members
9
Independent Board Members
9
Employees
3

Preparer

Firm
Neil and Company CPAs PC
Address
1184 N 15th Ave Ste 1, Bozeman, MT 59715
Preparer
Jake Neil
Phone
4065879239
Raw XML AppendixShowing 400 of 418 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/OtherExpensesGrp/Desc0Postage and Shipping
IRS990/OtherExpensesGrp/Desc1DUES & SUBSCRIPTIONS
IRS990/OtherExpensesGrp/Desc2BANK FEES
IRS990/OtherExpensesGrp/Desc3BOARD REIMBURSED EXPENSES
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IRS990/OtherExpensesGrp/TotalAmt1470
IRS990/OtherExpensesGrp/TotalAmt2160
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IRS990/ProgramServiceRevenueGrp/Desc1COUPON HANDLING INCOME
IRS990/ProgramServiceRevenueGrp/Desc2HEALTH & LIFE GROUP
IRS990/ProgramServiceRevenueGrp/Desc3WORKPLACE SAFETY PROGRAM
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IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt13067
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt223418
IRS990/ProgSrvcAccomActy2Grp/Desc0THE ASSOCIATION PROVIDES A GROUP PURCHASING AND WORK PLACE SAFETY PROGRAM, WHICH BENEFITS THE MEMBERS IN A MULTITUDE OF AREAS. THE RECOGNIZED BENEFITS PROVIDED BY THE ASSOCIATION PROGRAM INCLUDE A POTENTIAL REDUCTION IN WORKPLACE INJURY COSTS BY PROMOTING WORKPLACE SAFETY, A REDUCTION IN PREMIUM BY GROUP PURCHASING POWER, A DUAL DIVIDEND STRUCTURE (INDIVIDUAL AND GROUP) FOR EFFECTIVE LOSS CONTROL, CENTRAL BILING BY THE ASSOCIATION.
IRS990/ProgSrvcAccomActy3Grp/Desc0THE ASSOCIATION PROVIDES A CENTRAL CLEARING SERVICE THROUGH A CONTRACT SERVICE PROVIDER TO REDEEM MANUFACTUERS' DISCOUNT COUPONS HONORED BY THE MEMBERS FOR THEIR RETAIL CUSTOMERS. THE PROGRAM ORIGINATED IN 1939 AND IS THE OLDEST SERVICE TO THE MEMBER CURRENTLY PAYING 99% OF THE FACE VALUE OF THE COUPON TO THE MEMBER.
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IRS990ScheduleC/OnlyInHouseLobbyingInd0true
IRS990ScheduleC/SubstantiallyAllDuesNondedInd0false
IRS990ScheduleD/EquipmentGrp/DepreciationAmt075184
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt075184
IRS990ScheduleD/OtherAssetsOrgGrp/BookValueAmt0614984
IRS990ScheduleD/OtherAssetsOrgGrp/BookValueAmt1600967
IRS990ScheduleD/OtherAssetsOrgGrp/Desc0CASH HELD IN TRUST FOR MEMBERS
IRS990ScheduleD/OtherAssetsOrgGrp/Desc1LOAN TO RELATED GBT
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt0614984
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt11173817
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0CASH HELD IN TRUST FOR MEMBERS
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc1OTHER LIABILITIES
IRS990ScheduleD/TotalBookValueOtherAssetsAmt01215951
IRS990ScheduleD/TotalLiabilityAmt01788801
IRS990/ScheduleJRequiredInd0false
IRS990/ScheduleORequiredInd0true
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0THE ORGANIZATION IS COMPRISED OF MEMBERS WHO PAY ANNUAL DUES.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1THE FORM 990 IS REVIEWED BY THE EXECUTIVE DIRECTOR PRIOR TO BEING FILED.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2THE BOARD DISCUSSES AND DOCUMENTS (IN THE MINUTES) CONFLICTS OF INTEREST AT THE BOARD MEETING HELD IN JANUARY OF EACH YEAR. IF CONFLICTS OF INTEREST WERE TO ARISE AT OTHER TIMES DURING THE YEAR, THEY WOULD BE DISCUSSED AND DOCUMENTED IN BOARD MEETING MINUTES.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3WHEN THE CURRENT EXECUTIVE DIRECTOR WAS HIRED, A COMPENSATION STUDY WAS PERFORMED, ALONG WITH A REVIEW AND SUBSEQUEST APPROVAL BY THE BOARD'S EXECUTIVE COMMITTEE. THE CONTRACT WITH THE CURRENT EXECUTIVE DIRECTOR IS FOR SIX YEARS (ENDING IN 2021). THEREFORE, THIS PROCESS IS NOT PERFORMED ANNUALLY.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4THE GOVERNING DOCUMENTS, POLICIES AND FINANCIAL STATEMENTS ARE MADE AVAILABLE TO THE PUBLIC UPON REQUEST. THE ANNUAL FINANCIALS AND FORM 990 ARE PRESENTED TO THE BOARD AT A MEETING TO MEMBERS AT THEIR ANNUAL MEETING.
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0Form 990, Part VI, Section A, Line 6
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1Form 990, Part VI, Section B, Line 11b
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2Form 990, Part VI, Section B, Line 12c
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3Form 990, Part VI, Section B, Line 15a
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4Form 990, Part VI, Section C, Line 19
IRS990ScheduleR/AssetExchangeInd0false
IRS990ScheduleR/AssetPurchaseFromOtherOrgInd0false
IRS990ScheduleR/AssetSaleToOtherOrgInd0false
IRS990ScheduleR/DivRelatedOrganizationInd0false
IRS990ScheduleR/GiftGrntCapContriFromOthOrgInd0false
IRS990ScheduleR/GiftGrntOrCapContriToOthOrgInd0false
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IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/DirectControllingNACd0N/A
IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/DisregardedEntityName/BusinessNameLine1Txt0MONTANA FOOD DISTRIBUTORS GROUP BENEFIT
IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/EIN0383978534
IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/ExemptCodeSectionTxt0501(C)(9)
IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/LegalDomicileStateCd0MT
IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/PrimaryActivitiesTxt0HEALTH INSURANCE BENEFITS
IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/USAddress/AddressLine1Txt0PO BOX 5775
IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/USAddress/CityNm0HELENA
IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/USAddress/StateAbbreviationCd0MT
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IRS990ScheduleR/LoansOrGuaranteesToOtherOrgInd0false
IRS990ScheduleR/PaidEmployeesSharingInd0false
IRS990ScheduleR/PerformOfServicesByOtherOrgInd0false
IRS990ScheduleR/PerformOfServicesForOthOrgInd0false
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IRS990ScheduleR/ReimbursementPaidToOtherOrgInd0false
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IRS990/SubjectToExcsTaxNetInvstIncInd0false
IRS990/SubjectToProxyTaxInd0true
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IRS990/TaxablePartyNotificationInd0false
IRS990/TaxExemptBondsInd0false
IRS990/TerminateOperationsInd0false
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IRS990/TotalAssetsGrp/EOYAmt03111322
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IRS990/TotalFunctionalExpensesGrp/TotalAmt0148201
IRS990/TotalGrossUBIAmt0102928
IRS990/TotalLiabilitiesBOYAmt02571595
IRS990/TotalLiabilitiesEOYAmt02251037
IRS990/TotalLiabilitiesGrp/BOYAmt02571595
IRS990/TotalLiabilitiesGrp/EOYAmt02251037
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt0847576
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt0860285
IRS990/TotalProgramServiceRevenueAmt0102928
IRS990/TotalReportableCompFromOrgAmt050000
IRS990/TotalRevenueGrp/ExclusionAmt015217
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt075
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt0160910
IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt0102928
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt03419171
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt03111322
IRS990/TravelGrp/TotalAmt00
IRS990/TypeOfOrganizationAssocInd0X
IRS990/UnrelatedBusIncmOverLimitInd0true
IRS990/USAddress/AddressLine1Txt0PO BOX 5775
IRS990/USAddress/CityNm0HELENA
IRS990/USAddress/StateAbbreviationCd0MT
IRS990/USAddress/ZIPCd059604
IRS990/VotingMembersGoverningBodyCnt09
IRS990/VotingMembersIndependentCnt09
IRS990/WebsiteAddressTxt0WWW.MFDA.BIZ
IRS990/WhistleblowerPolicyInd0true
ReturnHeader/BuildTS02025-03-06 01:10:19Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd0true
ReturnHeader/BusinessOfficerGrp/PersonNm0MCKEE ANDERSON
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0President/Ex Dir
ReturnHeader/BusinessOfficerGrp/SignatureDt02025-11-17
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0MONTANA FOOD DISTRIBUTORS ASSOC
ReturnHeader/Filer/BusinessNameControlTxt0MONT
ReturnHeader/Filer/EIN0810171144
ReturnHeader/Filer/PhoneNum04064496394

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