Civic Intelligence

Educators Mutual Insurance Association of Utah

990 • Fiscal year 2013 • EIN 87-0189237

Jan 01, 2013 to Dec 31, 2013 • Filed on Sep 02, 2014

Organization ProfileWWW.EMIHEALTH.COM

View Organization Page

852 East Arrowhead Lane84107

(801) 262-7476

Siviq Scores

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

Liabilities / Assets

80th percentile

0.30x

Higher debt load relative to assets than 80% of similar nonprofits.

2013 filings • 501(c)9 • $50M-$100M nonprofits • Source year 2013

Liabilities / Revenue

88th percentile

0.48x

Higher debt load relative to revenue than 88% of similar nonprofits.

2013 filings • 501(c)9 • $50M-$100M nonprofits • Source year 2013

Net Margin

60th percentile

8.5%

Higher net margin than 60% of similar nonprofits.

2013 filings • 501(c)9 • $50M-$100M nonprofits • Source year 2013

Top Officer Pay

79th percentile

$203,514

Higher top officer pay than 79% of similar nonprofits.

Top officer pay equals 0.4% of source-year revenue.

2013 filings • 501(c)9 • $50M-$100M nonprofits • Source year 2013

Asset Growth

63rd percentile

11%

Faster asset growth than 63% of similar nonprofits.

2013 filings • 501(c)9 • $50M-$100M nonprofits • Annualized from 2012 to 2013

Revenue Growth

47th percentile

3.7%

Faster revenue growth than 47% of similar nonprofits.

2013 filings • 501(c)9 • $50M-$100M nonprofits • Annualized from 2012 to 2013

Balance Sheet
Liabilities / Assets80th percentile

Assets

Up

$75,850,338

Up $7,672,387 (+11%) from 2012

Net Assets

Up

$52,799,568

Up $10,290,507 (+24%) from 2012

Liabilities

Down

$23,050,770

Down $2,618,120 (-10%) from 2012

Revenue And Expenses
Liabilities / Revenue88th percentileNet Margin60th percentile

Revenue

Up

$48,163,064

Up $1,732,342 (+3.7%) from 2012

Expenses

Down

$44,084,101

Down $670,822 (-1.5%) from 2012

Net Income

Up

$4,078,963

Up $2,403,164 (+143%) from 2012

Historical Trend

Balance Sheet Trend

Asset Growth63rd percentile

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

$300M$200M$100M$0Assets 2010: $73,970,789Liabilities 2010: $26,672,862Net Assets 2010: $47,297,9272010Assets 2011: $68,938,850Liabilities 2011: $27,936,136Net Assets 2011: $41,002,7142011Assets 2012: $68,177,951Liabilities 2012: $25,668,890Net Assets 2012: $42,509,0612012Assets 2013: $75,850,338Liabilities 2013: $23,050,770Net Assets 2013: $52,799,5682013Assets 2014: $86,731,224Liabilities 2014: $28,311,123Net Assets 2014: $58,420,1012014Assets 2015: $91,723,134Liabilities 2015: $26,696,840Net Assets 2015: $65,026,2942015Assets 2016: $104,142,589Liabilities 2016: $26,016,288Net Assets 2016: $78,126,3012016Assets 2017: $118,700,003Liabilities 2017: $33,756,865Net Assets 2017: $84,943,1382017Assets 2018: $159,285,953Liabilities 2018: $59,545,248Net Assets 2018: $99,740,7052018Assets 2019: $170,515,820Liabilities 2019: $49,050,728Net Assets 2019: $121,465,0922019Assets 2020: $189,850,376Liabilities 2020: $42,717,683Net Assets 2020: $147,132,6932020Assets 2021: $192,680,781Liabilities 2021: $33,325,975Net Assets 2021: $159,354,8062021Assets 2022: $200,849,633Liabilities 2022: $28,392,979Net Assets 2022: $172,456,6542022Assets 2023: $210,691,146Liabilities 2023: $36,534,271Net Assets 2023: $174,156,8752023Assets 2024: $239,538,875Liabilities 2024: $38,598,006Net Assets 2024: $200,940,8692024

Highlighted filing

2013

Assets$75,850,338
Liabilities$23,050,770
Net Assets$52,799,568
Open 2013 Filing

Operations Trend

Revenue Growth47th percentile

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

$100M$50M$0-$50MExpenses 2010: $63,487,7292010Revenue 2011: $57,589,043Expenses 2011: $61,596,242Net Income 2011: -$4,007,1992011Revenue 2012: $46,430,722Expenses 2012: $44,754,923Net Income 2012: $1,675,7992012Revenue 2013: $48,163,064Expenses 2013: $44,084,101Net Income 2013: $4,078,9632013Revenue 2014: $44,967,190Expenses 2014: $37,023,260Net Income 2014: $7,943,9302014Revenue 2015: $47,131,375Expenses 2015: $43,422,423Net Income 2015: $3,708,9522015Revenue 2016: $48,384,829Expenses 2016: $39,112,062Net Income 2016: $9,272,7672016Revenue 2017: $45,568,016Expenses 2017: $37,618,606Net Income 2017: $7,949,4102017Revenue 2018: $93,334,890Expenses 2018: $82,488,479Net Income 2018: $10,846,4112018Revenue 2019: $89,903,968Expenses 2019: $75,840,736Net Income 2019: $14,063,2322019Revenue 2020: $81,626,178Expenses 2020: $70,099,990Net Income 2020: $11,526,1882020Revenue 2021: $54,287,384Expenses 2021: $40,530,090Net Income 2021: $13,757,2942021Revenue 2022: $52,240,394Expenses 2022: $39,386,311Net Income 2022: $12,854,0832022Revenue 2023: $58,059,378Expenses 2023: $54,321,705Net Income 2023: $3,737,6732023Revenue 2024: $62,390,985Expenses 2024: $45,889,175Net Income 2024: $16,501,8102024

Highlighted filing

2013

Revenue$48,163,064
Expenses$44,084,101
Net Income$4,078,963
Open 2013 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2013 to Dec 31, 2013
Signed
Sep 2, 2014
Return Version
2013v3.1
Gross Receipts
$58,854,184
Mission and Program Overview

Mission

Provide life, accident, & health insurance to educational groups.

Balance Sheet Detail
LineBeginningEndChange
Assets
Rtn Earn Endowment Incm Other Fnds$42,509,061$52,799,568▲ $10,290,507
Investments in Publicly Traded Securities$44,627,667$45,639,586▲ $1,011,919
Savings and Temporary Cash Investments$14,748,206$22,939,475▲ $8,191,269
Land, Buildings, and Equipment, Net$2,026,354$1,922,684▼ $103,670
Total Assets$68,177,951$75,850,338▲ $7,672,387
Other Assets Total$6,775,724$5,348,593▼ $1,427,131
Liabilities
Other Liabilities$22,679,789$20,479,808▼ $2,199,981
Accounts Payable and Accrued Expenses$2,989,101$2,570,962▼ $418,139
Total Liabilities$25,668,890$23,050,770▼ $2,618,120
Net Assets / Fund Balance
Total Net Assets Fund Balance$42,509,061$52,799,568▲ $10,290,507
Total Liabilities and Net Assets / Fund Balance$68,177,951$75,850,338▲ $7,672,387

Asset Categories

AssetBook ValueDepreciationBasis
Equipment$263,384$2,334,792$2,598,176
Buildings$1,359,311$2,970,041-
Land$299,989--
Other Assets Org$176,136--
Compensation and Service Providers
Top Officer Pay79th percentile

Employees

NameTitleFull / Part TimeBaseTotal
Steven C MorrisonCEOFT$203,514$203,514
Jennifer NeisenCOOFT$180,734$180,734
Michael GreenhalghCFOFT$170,979$170,979
Joseph CampbellEx. VP ActuaFT$164,589$164,589
Joseph CampbellEx. VP Actuarial-$164,589$164,589
Cindy ToveyEx. VP SalesFT$153,560$153,560
David WoodChief ActuarFT$139,744$139,744
David LowtherVP UnderwritFT$137,903$137,903
James OverallMedical DireFT$134,182$134,182
Wallace G HarmerChairman-$10,839$10,839
Michael R EvansDirector-$10,441$10,441
James Clarke FontaineDirector-$9,059$9,059
Michael R FrancisDirector-$9,059$9,059
Paul R GottfredsonDirector-$8,239$8,239
Delora WightDirector-$7,759$7,759
Roger a PateDirector-$7,759$7,759
Scott ThorntonDirector-$7,759$7,759
Randall Reid SmartDirector-$6,939$6,939
Mark MickelsenDirector-$6,584$6,584
Michael W HepnerVice Chair-$6,566$6,566
Elaine TzourtzouklisDirector-$6,459$6,459
Sara Ann JonesDirector-$6,459$6,459
Starleen OrullianDirector-$6,459$6,459
Steven K HiraseDirector-$5,200$5,200
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$46,054,924
Investment Income
$2,086,860
Other Revenue
$21,280
Change in Net Assets
$4,078,963

Audited Revenue Reconciliation

Revenue per Audited Statements
$36,830,529
Revenue Not Reported on Financial Statements
$11,332,535
Other Revenue Adjustments
$11,332,535
Total Revenue per Audited Statements
$36,830,529
Total Revenue per Form 990
$48,163,064
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Salaries, Compensation, and Employee Benefits$9,085,757
Other Expenses$4,884,972
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Benefits to Members---$30,113,372
Other Salaries and Wages---$5,249,157
Pension Plan Contributions---$2,704,684
Depreciation Depletion---$1,291,913
All Other Expenses---$1,180,432
Current Officers, Directors, Trustees, and Key Employees---$670,807
Payroll Taxes---$446,888
Other Expenses---$319,960
Office Expenses---$182,331
Insurance---$108,979
Fees for Services Legal---$97,475
Travel---$84,568
Occupancy---$74,048
Other Employee Benefits---$14,221
Total Functional Expenses$0$0$0$44,084,101

Audited Expense Reconciliation

Line ItemAmount
Total Expenses per Form 990$44,084,101
Expenses per Audited Statements$32,751,566
Total Expenses per Audited Statements$32,751,566
Expenses Not Reported on Financial Statements$11,332,535
Other Expense Adjustments$11,332,535
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
Insider Transactions and Loans

Interested-Person Transactions

Interested PartyRelationshipDescriptionShared RevenueAmount
Randy SmartBoard MemberOutside Legal CounseNo$98,771
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Liab for Amts Held Under Unins. Plan$10,599,056
Unpaid Claims$3,806,912
Accident and Health Reserves$2,523,095
Postretirement Benefits Reserve$2,221,186
Life Policy Reserves$772,462
Amts W/h for Acct of Others$315,923
Unearned Premiums$96,509
Payable to Subsidiaries$87,331
Remittances & Items Not Allocated$57,334
Interest Maintenance Reserve-
Asset Valuation Reserve-
Admin Srv Org Dep Fund Reserve-
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 family members
Yes
Business relationship with organization members
Yes
Material changes to governing documents
No
Compensation from other sources disclosed
No
CEO compensation reviewed
No
Other officer compensation reviewed
Yes
Conflict-of-interest policy
Yes
Audited financial statements prepared
No
Key decisions subject to board approval
Yes
Management duties delegated
No

Governance Explanations

Form 990, Page 6, Part VI, Line 2

“Brandon smart randy smart sr. Vp legal coun. Father”

Form 990, Page 6, Part VI, Line 6

“Educators mutual insurance association (emia) is owned and overseen by members of the association. Members are the policyholders of the insurance contracts issued by emia.”

Form 990, Page 6, Part VI, Line 7A

“Members elect individuals to serve on the board. The board of directors is responsible for governing the corporate direction of the company.”

Form 990, Page 6, Part VI, Line 7B

“The board members hold an annual meeting which is open to attendance by all members to elect new board members.”

Form 990, Page 6, Part VI, Line 11B

“The 990 tax filing is not specifically reviewed by the governing body. The board does however review and approve the financial statements of the company which contains the financial data which is reported on the year 990 tax return.”

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

“Employees are required to certify annually and then again as needed regarding any potential or actual conflict of interest. In addition any information of possible conflicts by other sources is investigated. Employees are also required to disclose all gifts, meals, etc.”

Form 990, Page 6, Part VI, Line 15B

“Every three years, the company's cfo conducts a market survey of key positions and annual salary increases by industry. Annually the board approves the salary budget of the company.”

Form 990, Page 6, Part VI, Line 19

“Those items are confidential information. If there is a valid reason for an interest person to review such documents they could make a request to the company's executive committee or board of directors.”

Filing and Contact Details

Filer

EIN
87-0189237

Signing Officer

Name
Mike Greenhalgh
Title
CFO
Signed
2014-09-02
Discuss with paid preparer
Yes

Organization Details

Formed
1935
Legal Domicile
Ut
Voting Board Members
15
Independent Board Members
15
Employees
168

Preparer

Preparer
Martha Hayes
Phone
8013131900
Supplemental Narrative

Additional Explanations

Form 990, Part XI, Line 9

“Service income -10,965,905 investment income -345,350 decrease in reserves -21,280 service income 10,965,905 investment income 345,350 decrease in reserves 21,280”

Form 990, Part XI, Line 9

“Unrealized gain 881,571 change in asset valuation res 1,656,117 change in non-admitted assets 359,651 ehc assumption from dissolution 3,850,046 change in non-admitted assets 535,841”

Financial Statement Notes

Schedule D, Page 4, Part XI, Line 4B

“Service income 10,965,905 investment income 345,350 decrease in reserves 21,280”

Schedule D, Page 4, Part XII, Line 4B

“Service income 10,965,905 investment income 345,350 decrease in reserves 21,280”

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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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Filings

Displayed year

2013 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$75,850,338
Liabilities
$23,050,770
Net assets
$52,799,568
Revenue
$48,163,064
Expenses
$44,084,101
Net income
$4,078,963
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Facts available. Structured filing facts are available, but richer extracted sections are limited.$240$38.6$201$62.4$45.9$16.5
2023Detailed filing. Detailed filing data is available for this year.$211$36.5$174$58.1$54.3$3.74
2022Detailed filing. Detailed filing data is available for this year.$201$28.4$172$52.2$39.4$12.9
2021Detailed filing. Detailed filing data is available for this year.$193$33.3$159$54.3$40.5$13.8
2020Detailed filing. Detailed filing data is available for this year.$190$42.7$147$81.6$70.1$11.5
2019Detailed filing. Detailed filing data is available for this year.$171$49.1$121$89.9$75.8$14.1
2018Detailed filing. Detailed filing data is available for this year.$159$59.5$99.7$93.3$82.5$10.8
2017Detailed filing. Detailed filing data is available for this year.$119$33.8$84.9$45.6$37.6$7.95
2016Detailed filing. Detailed filing data is available for this year.$104$26.0$78.1$48.4$39.1$9.27
2015Detailed filing. Detailed filing data is available for this year.$91.7$26.7$65.0$47.1$43.4$3.71
2014Detailed filing. Detailed filing data is available for this year.$86.7$28.3$58.4$45.0$37.0$7.94
2013Detailed filing. Detailed filing data is available for this year.$75.9$23.1$52.8$48.2$44.1$4.08
2012Summary only. Only limited summary data is available for this year.$68.2$25.7$42.5$46.4$44.8$1.68
2011Summary only. Only limited summary data is available for this year.$68.9$27.9$41.0$57.6$61.6$4.01
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$74.0$26.7$47.3$63.5