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Nonprofiteer
← COMMON GROUND HEALTHCARE COOPERATIVE

Form 990 for tax year 2022

Filed by COMMON GROUND HEALTHCARE COOPERATIVE.

Totals

Total revenue
$421,543,751
Total expenses
$439,502,356
Contributions and grants received
$0
Grants paid
$491
Program service revenue
$418,236,478
Investment income
$3,307,273
Other revenue
$0
Total assets, end of year
$304,410,600
Total liabilities, end of year
$232,786,613
Net assets or fund balances, end of year
$71,623,987
Program services expenses (Part IX)
not reported
Management and general expenses
not reported
Fundraising expenses
not reported
Program service expenses (Part III)
not reported

Line items

Every line the filer filed in Parts VIII, IX and X, as filed and in filed order. Blank columns are left out, and the lines are not forced to add up to the totals above.

Revenue

Part VIII, the statement of revenue.

  • 2a · Program service revenue: PREMIUMS EARNED

    total $418,236,478 · related or exempt $418,236,478

  • 3 · Investment income

    total $3,290,999 · excluded $3,290,999

  • 7a · Gross sales of assets other than inventory

    securities $19,560,361

  • 7b · Less cost or other basis and sales expenses

    securities $19,544,087

  • 7c · Gain or loss

    securities $16,274

  • 7d · Net gain or loss

    total $16,274 · excluded $16,274

Functional expenses

Part IX, the statement of functional expenses.

  • 1 · Grants to domestic organizations and governments

    total $491

  • 5 · Compensation of officers, directors and key employees

    total $2,431,607

  • 7 · Other salaries and wages

    total $7,659,623

  • 8 · Pension plan contributions

    total $479,304

  • 9 · Other employee benefits

    total $1,206,219

  • 10 · Payroll taxes

    total $722,058

  • 11b · Fees: legal

    total $163,113

  • 11c · Fees: accounting

    total $3,826,780

  • 11d · Fees: lobbying

    total $44,640

  • 11g · Fees: other

    total $4,253,203

  • 12 · Advertising and promotion

    total $369,152

  • 13 · Office expenses

    total $1,716,345

  • 14 · Information technology

    total $2,147,240

  • 16 · Occupancy

    total $273,565

  • 17 · Travel

    total $106,350

  • 19 · Conferences, conventions and meetings

    total $177,741

  • 20 · Interest

    total $400,345

  • 22 · Depreciation, depletion and amortization

    total $187,864

  • 23 · Insurance

    total $285,288

  • 24a · Other expenses: CLAIMS EXPENSE

    total $391,199,094

  • 24b · Other expenses: CMS EXCHANGE USER FEE E

    total $10,757,310

  • 24c · Other expenses: COMMISSIONS

    total $7,686,665

  • 24d · Other expenses: BANK CHARGES

    total $1,691,076

  • 24e · All other expenses

    total $1,717,283

Balance sheet

Part X, book values.

  • 1 · Cash, non-interest-bearing

    beginning of year $20,997,101 · end of year $41,731,277

  • 2 · Savings and temporary cash investments

    beginning of year $185,735,791 · end of year $150,588,074

  • 4 · Accounts receivable

    beginning of year $9,750,017 · end of year $5,735,780

  • 9 · Prepaid expenses and deferred charges

    beginning of year $231,913 · end of year $613,396

  • 10a · Land, buildings and equipment: cost or other basis

    $2,046,878

  • 10b · Land, buildings and equipment: accumulated depreciation

    $1,671,190

  • 10c · Land, buildings and equipment, net

    beginning of year $514,549 · end of year $375,688

  • 15 · Other assets

    beginning of year $93,873,304 · end of year $105,366,385

  • 17 · Accounts payable and accrued expenses

    beginning of year $4,374,726 · end of year $5,160,270

  • 19 · Deferred revenue

    beginning of year $54,269,636 · end of year $81,026,950

  • 24 · Unsecured notes and loans payable

    beginning of year $91,429,763 · end of year $80,302,872

  • 25 · Other liabilities

    beginning of year $61,295,665 · end of year $66,296,521

  • 29 · Capital stock, trust principal or current funds

    beginning of year $0 · end of year $0

  • 30 · Paid-in or capital surplus, or land, building or equipment fund

    beginning of year $0 · end of year $0

  • 31 · Retained earnings, endowment or other funds

    beginning of year $99,732,885 · end of year $71,623,987

Mission and programs · 2022

Mission

COMMON GROUND HEALTHCARE COOPERATIVE ("CGHC") IS A NON-PROFIT MEMBER-GOVERNED HEALTH INSURANCE COMPANY DEDICATED TO PROVIDING AFFORDABLE, INNOVATIVE HEALTH INSURANCE SOLUTIONS TO SMALL BUSINESSES, NON-PROFITS, AND INDIVIDUALS IN WISCONSIN.

Activities or mission (Part I)

PROVIDE AFFORDABLE HEALTH INSURANCE SOLUTIONS TO SMALL BUS., INDIVIDUALS & NON-PROFITS IN WI.

  • COMMON GROUND HEALTHCARE COOPERATIVE IS A NON-PROFIT MEMBER-GOVERNED HEALTH INSURANCE COOPERATIVE DEDICATED TO DELIVERING QUALITY, COMPREHENSIVE HEALTH INSURANCE TO SMALL BUSINESSES AND INDIVIDUALS IN WISCONSIN.

As filed on the 2022 return.

Listed in Part VII

  • Amy Murphy

    BOARD CHAIR

    Total calculated
    $10,023
    From this org
    $10,023
    From related orgs
    $0
    Other
    $0
    Hours/week
    6

  • Tonni Larson

    BOARD VICE-CHAIR

    Total calculated
    $8,913
    From this org
    $8,913
    From related orgs
    $0
    Other
    $0
    Hours/week
    1

  • Kevin Gilligan

    SECRETARY/TREASURER

    Total calculated
    $7,803
    From this org
    $7,803
    From related orgs
    $0
    Other
    $0
    Hours/week
    1

  • William Kort

    DIRECTOR

    Total calculated
    $7,803
    From this org
    $7,803
    From related orgs
    $0
    Other
    $0
    Hours/week
    1

  • Rachael Bush

    DIRECTOR

    Total calculated
    $7,803
    From this org
    $7,803
    From related orgs
    $0
    Other
    $0
    Hours/week
    1

  • James Wesp

    NON-VOTING DIRECTOR

    Total calculated
    $7,803
    From this org
    $7,803
    From related orgs
    $0
    Other
    $0
    Hours/week
    1

  • John Maglio

    NON-VOTING DIRECTOR

    Total calculated
    $7,803
    From this org
    $7,803
    From related orgs
    $0
    Other
    $0
    Hours/week
    1

  • Robert Connolly

    NON-VOTING DIRECTOR

    Total calculated
    $7,803
    From this org
    $7,803
    From related orgs
    $0
    Other
    $0
    Hours/week
    1

  • David Stram

    DIRECTOR

    Total calculated
    $5,001
    From this org
    $5,001
    From related orgs
    $0
    Other
    $0
    Hours/week
    1

  • Dean Schadrie

    DIRECTOR

    Total calculated
    $5,001
    From this org
    $5,001
    From related orgs
    $0
    Other
    $0
    Hours/week
    1

  • Michael Winkler

    DIRECTOR

    Total calculated
    $5,001
    From this org
    $5,001
    From related orgs
    $0
    Other
    $0
    Hours/week
    1

  • Becky Tuchscherer

    DIRECTOR

    Total calculated
    $4,440
    From this org
    $4,440
    From related orgs
    $0
    Other
    $0
    Hours/week
    1

  • Teresa Piszcor

    BOARD VICE-CHAIR-PRIOR

    Total calculated
    $2,803
    From this org
    $2,803
    From related orgs
    $0
    Other
    $0
    Hours/week
    1

  • Lauren Ward

    DIRECTOR

    Total calculated
    $2,642
    From this org
    $2,642
    From related orgs
    $0
    Other
    $0
    Hours/week
    1

  • Cathy Mahaffey

    CEO

    Total calculated
    $633,291
    From this org
    $583,997
    From related orgs
    $0
    Other
    $49,294
    Hours/week
    40

    Schedule J breakdown matched by us

    Base
    $513,185
    Bonus
    $1,496
    Other
    $69,316
    Deferred
    $17,314
    Nontaxable benefits
    $31,980
    Filer's total
    $633,291

  • Tom Lawless Term 102022

    EX- CFO

    Total calculated
    $374,022
    From this org
    $323,794
    From related orgs
    $0
    Other
    $50,228
    Hours/week
    40

    Schedule J breakdown matched by us

    Base
    $245,121
    Bonus
    $1,538
    Other
    $77,135
    Deferred
    $18,237
    Nontaxable benefits
    $31,991
    Filer's total
    $374,022

  • Scott Anderson

    CMO - CHIEF MEDICAL OFFICER

    Total calculated
    $371,367
    From this org
    $315,413
    From related orgs
    $0
    Other
    $55,954
    Hours/week
    40

    Schedule J breakdown matched by us

    Base
    $305,524
    Bonus
    $1,490
    Other
    $8,399
    Deferred
    $17,733
    Nontaxable benefits
    $38,221
    Filer's total
    $371,367

  • Melissa Henderson

    CCO - CHIEF COMPLIANCE OFFICER

    Total calculated
    $294,723
    From this org
    $275,482
    From related orgs
    $0
    Other
    $19,241
    Hours/week
    40

    Schedule J breakdown matched by us

    Base
    $273,350
    Bonus
    $1,494
    Other
    $638
    Deferred
    $16,484
    Nontaxable benefits
    $2,757
    Filer's total
    $294,723

  • Brian McDonald Term 082022

    EX - CHIEF BUS DEV OFFICER

    Total calculated
    $293,979
    From this org
    $255,419
    From related orgs
    $0
    Other
    $38,560
    Hours/week
    40

    Schedule J breakdown matched by us

    Base
    $207,358
    Bonus
    $1,496
    Other
    $46,565
    Deferred
    $14,094
    Nontaxable benefits
    $24,466
    Filer's total
    $293,979

  • Brian Gartner

    CHIEF OF STAFF

    Total calculated
    $173,535
    From this org
    $159,658
    From related orgs
    $0
    Other
    $13,877
    Hours/week
    40

    Schedule J breakdown matched by us

    Base
    $159,566
    Bonus
    $0
    Other
    $92
    Deferred
    $6,073
    Nontaxable benefits
    $7,804
    Filer's total
    $173,535

  • Jessica Kottwitz

    VP OF OPERATIONS

    Total calculated
    $239,503
    From this org
    $210,305
    From related orgs
    $0
    Other
    $29,198
    Hours/week
    40

    Schedule J breakdown matched by us

    Base
    $208,359
    Bonus
    $1,498
    Other
    $448
    Deferred
    $12,812
    Nontaxable benefits
    $16,386
    Filer's total
    $239,503

  • Robet Plesha Term 022022

    EX - CHIEF ACTUARY

    Total calculated
    $219,158
    From this org
    $209,392
    From related orgs
    $0
    Other
    $9,766
    Hours/week
    40

    Schedule J breakdown matched by us

    Base
    $35,912
    Bonus
    $0
    Other
    $173,480
    Deferred
    $4,806
    Nontaxable benefits
    $4,960
    Filer's total
    $219,158

  • Shelly Johnson

    HEALTH PLAN QUALITY ADMINISTRATOR

    Total calculated
    $214,243
    From this org
    $189,758
    From related orgs
    $0
    Other
    $24,485
    Hours/week
    40

    Schedule J breakdown matched by us

    Base
    $185,872
    Bonus
    $1,498
    Other
    $2,388
    Deferred
    $11,467
    Nontaxable benefits
    $13,018
    Filer's total
    $214,243

  • Jennifer Walkowiak

    VP OF BUSINESS DEVELOPMENT

    Total calculated
    $210,205
    From this org
    $187,389
    From related orgs
    $0
    Other
    $22,816
    Hours/week
    40

    Schedule J breakdown matched by us

    Base
    $185,545
    Bonus
    $1,505
    Other
    $339
    Deferred
    $8,856
    Nontaxable benefits
    $13,960
    Filer's total
    $210,205

  • Aaron Jackson

    VP PROVIDER CONTRACTING & STRATEGY

    Total calculated
    $207,944
    From this org
    $196,948
    From related orgs
    $0
    Other
    $10,996
    Hours/week
    40

    Schedule J breakdown matched by us

    Base
    $195,302
    Bonus
    $1,494
    Other
    $152
    Deferred
    $5,924
    Nontaxable benefits
    $5,072
    Filer's total
    $207,944

  • Scott Bergman

    SR. FINANCIAL ADVISOR

    Total calculated
    $200,049
    From this org
    $158,810
    From related orgs
    $0
    Other
    $41,239
    Hours/week
    40

    Schedule J breakdown matched by us

    Base
    $148,645
    Bonus
    $0
    Other
    $10,165
    Deferred
    $9,751
    Nontaxable benefits
    $31,488
    Filer's total
    $200,049

Compensation is as filed in Part VII: reportable pay from this organization and from related organizations, other compensation, and hours per week. The total, marked calculated, is our sum of the three dollar columns, with a blank column counted as $0; the form itself has no total. On a Form 990-EZ the columns are Part IV's instead, and on a Form 990-PF Part VIII's — compensation, contributions to benefit plans, and expense account — and the total sums those. A Schedule J breakdown is as filed: base pay, bonus, other, deferred compensation and nontaxable benefits from this organization, with any from related organizations beside each, and the filer's own total. It is shown with the Part VII listing of the same name on the same return. The form gives no key between the two, so that pairing is ours, and is marked matched by us.

Schedule J

Answered yes

  • 1a · Tax indemnification and gross-up payments
  • 1b · Written policy on the line-1a expenses
  • 2 · Substantiation required before reimbursing expenses
  • 3 · Written employment contract
  • 3 · Approval by the board or compensation committee
  • 4a · Severance or change-of-control payment

Answered no

  • 4b · Supplemental nonqualified retirement plan
  • 4c · Equity-based compensation arrangement
  • 5a · Pay contingent on this organization's revenues
  • 5b · Pay contingent on a related organization's revenues
  • 6a · Pay contingent on this organization's net earnings
  • 6b · Pay contingent on a related organization's net earnings
  • 7 · Other non-fixed payments
  • 8 · Paid under the initial-contract exception

The filer's explanations (Part III)

PART I, LINE 1A
COMMON GROUND MADE REIMBURSMENTS OF INCOME FOR GROUP TERM LIFE OVER $50,000 INCLUDED IN WAGES. COMMON GROUND MADE GROSS-UP PAYMENTS FOR EMPLOYMENT COVENANT AGREEMENTS WITH CERTAIN LEADERSHIP EMPLOYEES.
PART I, LINE 4A
ROB PLESHA RECEIVED $124,800.00 IN SEVERANCE PAY IN 2022.

Part I's answers as filed. A line not listed was left unanswered; on lines 1a and 3 that means the box was not checked.

Grants on this return

No itemized grants to organizations on this return.

Related organizations on this return

Schedule R Part II: tax-exempt organizations related to the filer by control. It does not record shared board members or money.

Provenance

Return type
form_990
Tax year
2022
Filed
31 October 2023
IRS schema version
2022v5.0
Source object
202323059349301227

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