Civic Intelligence

Western Healthcare Insurance Trust

EIN 91-0971187

View Organization Page

PO Box 698275
Siviq Scores

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

Liabilities / Assets

69th percentile

0.23x

Higher debt load relative to assets than 69% of similar nonprofits.

$5M-$10M nonprofits • Source year 2012

Liabilities / Revenue

58th percentile

0.15x

Higher debt load relative to revenue than 58% of similar nonprofits.

$5M-$10M nonprofits • Source year 2012

Net Margin

58th percentile

10%

Higher net margin than 58% of similar nonprofits.

$5M-$10M nonprofits • Source year 2012

Top Officer Pay

Score unavailable

No value available

No filing with officer or executive compensation is available for this organization yet.

Asset Growth

92nd percentile

45%

Faster asset growth than 92% of similar nonprofits.

$5M-$10M nonprofits • Annualized from 2011 to 2012

Revenue Growth

Score unavailable

No value available

No earlier valid filing was available within the previous three public years.

Source year 2012

Balance Sheet
Liabilities / Assets69th percentile

Assets

Up

$5,460,717

Up $1,690,432 (+45%) from 2011

Liabilities

Up

$1,246,110

Up $240,187 (+24%) from 2011

Net Assets

Up

$4,214,607

Up $1,450,245 (+52%) from 2011

Operations
Liabilities / Revenue58th percentileNet Margin58th percentile

Revenue

$8,493,287

No earlier filing loaded for comparison.

Expenses

Down

$7,640,489

Down $5,145,906 (-40%) from 2011

Net Income

$852,798

No earlier filing loaded for comparison.

Trend Graphs

Balance Sheet Trend

Asset Growth92nd percentile

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

$6.0M$4.0M$2.0M$0Assets 2010: $2,424,105Liabilities 2010: $649,143Net Assets 2010: $1,774,9622010Assets 2011: $3,770,285Liabilities 2011: $1,005,923Net Assets 2011: $2,764,3622011Assets 2012: $5,460,717Liabilities 2012: $1,246,110Net Assets 2012: $4,214,6072012

Highlighted filing

2012

Assets$5,460,717
Liabilities$1,246,110
Net Assets$4,214,607
Open 2012 Filing

Operations Trend

Revenue GrowthScore unavailable

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

$15M$10M$5.0M$0Expenses 2010: $12,698,7902010Expenses 2011: $12,786,3952011Revenue 2012: $8,493,287Expenses 2012: $7,640,489Net Income 2012: $852,7982012

Highlighted filing

2012

Revenue$8,493,287
Expenses$7,640,489
Net Income$852,798
Open 2012 Filing

Filings

Most recent year

2012 • Form 990Summary only. Only limited summary data is available for this year.

Open filing
Assets
$5,460,717
Liabilities
$1,246,110
Net assets
$4,214,607
Revenue
$8,493,287
Expenses
$7,640,489
Net income
$852,798
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2012Summary only. Only limited summary data is available for this year.$5.46$1.25$4.21$8.49$7.64$0.85
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$3.77$1.01$2.76$12.8
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$2.42$0.65$1.77$12.7
Latest Detailed Filing

The latest 2012 filing currently has summary financial data only. Showing the latest detailed filing from 2011 below.

Jump To
Filing Snapshot
Filing Period
Jun 1, 2010 to May 31, 2011
Signed
Mar 5, 2012
Return Version
2010v3.4
Gross Receipts
$14,372,288
Filing and Contact Details

Filer

EIN
91-0971187
Raw XML Appendix370 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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IRS990ScheduleL/Form990ScheduleLPartIV/DescriptionOfTransaction0Lane Savitch is both a Trustee of the Trust and a key employee of a participating employer contributing to the Trust. Contributions to the Trust by Kadlec Medical Center totaled $1,654,702.
IRS990ScheduleL/Form990ScheduleLPartIV/DescriptionOfTransaction1Grace Henley is both a Trustee of the Trust and a key employee of a participating employer contributing to the Trust. Contributions to the Trust by Highline Medical totaled $994,308.
IRS990ScheduleL/Form990ScheduleLPartIV/DescriptionOfTransaction2Jeff Clark is both a Trustee of the Trust and a key employee of a participating employer contributing to the Trust. Contributions to the Trust by Kadlec Medical Center totaled $1,654,702.
IRS990ScheduleL/Form990ScheduleLPartIV/DescriptionOfTransaction3Steve Jacobs is both a Trustee of the Trust and a key employee of a participating employer contributing to the Trust. Contributions to the Trust by Central Washington Hospital totaled $1,068,566.
IRS990ScheduleL/Form990ScheduleLPartIV/DescriptionOfTransaction4Lisa McDaniel is both a Trustee of the Trust and a key employee of a participating employer contributing to the Trust. Contributions to the Trust by Kittitas Valley Community Hospital totaled $405,181.
IRS990ScheduleL/Form990ScheduleLPartIV/DescriptionOfTransaction5Marlo Willis is both a Trustee of the Trust and a key employee of a participating employer contributing to the Trust. Contributions to the Trust by Kittitas Valley Community Hospital totaled $405,181.
IRS990ScheduleL/Form990ScheduleLPartIV/NameOfInterestedPerson/NamePerson0Lane Savitch
IRS990ScheduleL/Form990ScheduleLPartIV/NameOfInterestedPerson/NamePerson1Grace Henley
IRS990ScheduleL/Form990ScheduleLPartIV/NameOfInterestedPerson/NamePerson2Jeff Clark
IRS990ScheduleL/Form990ScheduleLPartIV/NameOfInterestedPerson/NamePerson3Steve Jacobs
IRS990ScheduleL/Form990ScheduleLPartIV/NameOfInterestedPerson/NamePerson4Lisa McDaniel
IRS990ScheduleL/Form990ScheduleLPartIV/NameOfInterestedPerson/NamePerson5Marlo Willis
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IRS990ScheduleO/GeneralExplanation/Explanation0Lane Savitch and Jeff Clark are trustees of this organization and key employees of Kadlec Medical Center (a participating employer of this trust). Lisa McDaniel and Marlo Willis are trustees of this organization and key employees of Kittitas Valley Community Hospital (a participating employer of this trust).
IRS990ScheduleO/GeneralExplanation/Explanation1The Trust has contracted with third-party administrators (Zenith Administrators, Inc. and Benefit Solutions, Inc.) to provide bookkeeping and administrative services.
IRS990ScheduleO/GeneralExplanation/Explanation2The Trust is administered by a Board of Trustees. Individual trustee positions are selected as described below. Selection of Employer Trustees: In the event of the termination of term, resignation, or death of an Employer Trustee, the Board of Trustees will seek nominations from participating employers of individuals for the position of Employer Trustee. Subsequently, the Board of Trustees will review the qualificiations of each nominated individual to verify that his/her qualifications meet the minimum requirements for qualification as a candidate as enacted by the Board of Trustees. Thereafter, the Board of Trustees will select a new Employer Trustee candidate from among the qualified nominees. Notice of the new Employer Trustee candidate selection will be sent to all participating employers in the Trust, who will be asked to vote to approve or disapprove the new Employer Trustee appointment. The Employer Trustee appointment will be final thirty days after notice is sent to the participating employers, unless more than 50% of the participating employers indicate disapproval of the appointment. Selection of Employee Trustees: To fill the Trustee positions reserved for Employee Trustees, the Board of Trustees will seek nominations from all employees participating in the Trust. Subsequently, the Board of Trustees will review the qualifications of each nominated individual to verify that his/her qualifications meet the minimum requirements as a candidate as enacted by the Board of Trustees. Thereafter, notice of election procedures and a list of the qualified Employee Trustee candidates will be communicated to all employees participating in the Trust. The employees participating in the Trust will have a minimum of thirty days to vote for one candidate per Employee Trustee position on the ballot. The candidate with the most votes will be elected as the Employee Trustee. Each Trustee will sign a document accepting his/her appointment as Trustee and agreeing to abide by the terms and provisions of the Trust Agreement.
IRS990ScheduleO/GeneralExplanation/Explanation3The Form 990 was prepared under the guidance of the Board of Trustees by the independent accounting firm SCHOEDEL & SCHOEDEL, Certified Public Accountants, PLLC. Draft copies of the Trust's financial statements and Form 990 were first provided to the Trust's consultants and advisors, who reviewed the Form 990 for accuracy and completeness. Any questions, concerns or issues raised by the consultants and advisors were addressed and any necessary revisions were made to the Form 990. The revised Form 990 was then provided to the Board of Trustees for its review and approval. Any additional questions, concerns or issues raised by the Board of Trustees were addressed and any necessary revisions were made to the Form 990. The final version of the Form 990 was reviewed, approved and filed by the Board of Trustees.
IRS990ScheduleO/GeneralExplanation/Explanation4Each Trustee has a duty to disclose to the Board any conflict of interest as soon as it is discovered by the Trustee. In particular, the Trustee will disclose a conflict of interest prior to and Board or Committee decision on the matter related to the conflict of interest. Upon each Trustees first attendance at a Board meeting, the Trustee shall submit a signed conflict of interest disclosure to the Board, on a form approved by the Board, and shall have the duty to update such disclosures upon discovering a change. If any member of a Committee or of the Board believes that a conflict of interest exists, then the Committee member or Board member will ask that a determination of conlict of interest be made by the Committee or Board. If the determination involves a Trustee, then the Trustee is excused from the meeting while the Board or Committee determines if there is a conflict of interest. A Trustee who disagrees with the decision can appeal the decision to the chairperson of the Trust (or if the Trustee is the chairperson, then he or she can appeal the decision the vice chairperson of the Trust), whose judgment shall be final. When a Trustee decides that he or she has a conflict of interest or the Board or Committee decides that a Trustee has a conflict of interest, the Trustee leaves the meeting during all discussions and voting on the transaction or compensation arrangement that caused the conflict of interest. The minutes of the Board and Committee meetings reflect when a person has a conflict of interest, and reflect that the person was not present for discussion or voting on that issue. The Board or Committee will take appropriate action if it discovers that a Trustee violated this policy. This policy is reviewed with the Board of Trustees annually.
IRS990ScheduleO/GeneralExplanation/Explanation5Form 990, Part VI, Section B, line 15: There are no compensated management officials, officers or key employees of the organization. If the organization had such compensated individuals, policies and procedures would be developed to determine compensation.
IRS990ScheduleO/GeneralExplanation/Explanation6The Trust's governing documents, conflict of interest policy, financial statements and Form 990 are available to the public upon written request sent to Benefit Solutions, Inc. at: P.O. Box 6, Mukilteo, WA 98275.
IRS990ScheduleO/GeneralExplanation/Explanation7Net unrealized gains on investments: 94,044.
IRS990ScheduleO/GeneralExplanation/Identifier0Form 990, Part VI, Section A, line 2
IRS990ScheduleO/GeneralExplanation/Identifier1Form 990, Part VI, Section A, line 3
IRS990ScheduleO/GeneralExplanation/Identifier2Form 990, Part VI, Section A, line 7a
IRS990ScheduleO/GeneralExplanation/Identifier3Form 990, Part VI, Section B, line 11
IRS990ScheduleO/GeneralExplanation/Identifier4Changes in Net Assets or Fund Balances:
IRS990ScheduleO/GeneralExplanation/ReturnReference0Form 990, Part VI, Section B, line 12c
IRS990ScheduleO/GeneralExplanation/ReturnReference1Form 990, Part VI, Section C, line 19
IRS990ScheduleO/GeneralExplanation/ReturnReference2Form 990, Part XI, line 5:
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ReturnHeader/BuildTS02016-02-24 21:20:13Z
ReturnHeader/Filer/EIN0910971187
ReturnHeader/Filer/Name/BusinessNameLine10Western Healthcare Insurance Trust
ReturnHeader/Filer/NameControl0WEST
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ReturnHeader/Filer/USAddress/ZIPCode098275
ReturnHeader/Officer/AuthorizeThirdParty01
ReturnHeader/Officer/DateSigned02012-03-05
ReturnHeader/Officer/Name0Lane Savitch
ReturnHeader/Officer/Phone04257717359
ReturnHeader/Officer/Title0Chairman of the Board of Trustees
ReturnHeader/Preparer/DatePrepared02012-03-05
ReturnHeader/PreparerFirm/PreparerFirmBusinessName/BusinessNameLine10SCHOEDEL & SCHOEDEL CPAS PLLC
ReturnHeader/PreparerFirm/PreparerFirmUSAddress/AddressLine10422 W RIVERSIDE AVE STE 1420
ReturnHeader/PreparerFirm/PreparerFirmUSAddress/City0SPOKANE
ReturnHeader/PreparerFirm/PreparerFirmUSAddress/State0WA
ReturnHeader/PreparerFirm/PreparerFirmUSAddress/ZIPCode0992010395
ReturnHeader/Preparer/Name0SCOTT OPPERUD CPA
ReturnHeader/Preparer/Phone05097472158
ReturnHeader/ReturnType0990
ReturnHeader/TaxPeriodBeginDate02010-06-01
ReturnHeader/TaxPeriodEndDate02011-05-31
ReturnHeader/TaxYear02010
ReturnHeader/Timestamp02012-03-07T14:30:15-06:00

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