Southwest Michigan Building Authority
7275 West Main Street
Kalamazoo MI 49009
269-585-4150
www.swmiba.org
Regular Board Meeting
October 27, 2022
8:30 AM
Oshtemo Township Hall
Public Meeting Room
7275 W Main St
Kalamazoo, MI 49009
Agenda
1. Call to Order
2. Approval of or Amendments to Agenda
3. Public Comments on Non-Agenda Items
4. Consent Agenda
a. Meeting Minutes – September 22, 2022 Regular Meeting
b. October 2022 Financial Reports
5. Property and Liability Insurance Renewal
6. Consideration of FY 2023 Requested Budget
7. Employee Performance Review: Building Official
8. Board Chair’s Report
9. Other Business
10. Adjournment
2022-10-27 SMBA Board Packet | Page 1 of 64
Minutes of the Regular Board Meeting
Southwest Michigan Building Authority (SMBA) Board of Directors
September 22, 2022 | 8:30am | Public Meeting Room, Oshtemo Township Hall
Page 1 of 2
Action Items
# Item Description: Assigned To: Due By:
Minutes
1. Call to Order: Chair Dusty Farmer called the meeting to order at approximately 8:36am.
Name Present or Absent
Dusty Farmer, Board Chair (Oshtemo Representative) Present
Jeff Sorensen (Cooper Representative) Present
Carol Dehaan, Treasurer (Cooper Representative) Absent
Cheri Bell (Oshtemo Representative) Present
Larry Stehouwer (Cooper Representative) Present
Also present were: Attorney Jim Porter, Building Official Garrett Reitenour, Administrative Assistant Elvira
Oropeza, and Board Secretary Kyle Gibson.
2. Public Comments on Non-Agenda Items: There was no public comment.
3. Consent Agenda:
a. Meeting Minutes – August 25, 2022 Regular Meeting
b. September 2022 Financial Reports
c. September 2022 Budget Amendments
d. Office Manager’s Report
Cheri Bell requested that item B be removed from the consent agenda for further discussion.
A motion was made by Larry Stehouwer and supported by Jeff Sorensen to approve items A, C, and D as presented
and amend the agenda to insert consent agenda item B as item 4.
Upon a voice vote, the motion was carried 4-0 with 1 absent.
4. September 2022 Financial Reports:
Office Manager Kyle Gibson answered a question from Cheri Bell regarding a payment.
5. Consideration of HSA Administrator Alternatives:
Office Manager Gibson presented a proposal from Health Equity and answered several questions put forth by
board members and staff. A motion was made by Larry Stehouwer and supported by Jeff Sorensen to accept the
proposal and move forward with Health Equity.
Upon a voice vote, the motion was carried 4-0 with 1 absent.
A motion was made by Cheri Bell and supported by Larry Stehouwer to amend the agenda to move up other
business as item 6.
Upon a voice vote, the motion was carried 4-0 with 1 absent.
6. Other Business: Office Manager Gibson presented a draft Commercial Maintenance Annual Permit Application
form and accompanying revision to the Fee Schedule. Following board discussion, a motion was made by Jeff
Sorensen and supported by Dusty Farmer to adopt the revised fee schedule as presented.
Upon a voice vote, the motion was carried 4-0 with 1 absent.
2022-10-27 SMBA Board Packet | Page 2 of 64
Minutes of the Regular Board Meeting
Southwest Michigan Building Authority (SMBA) Board of Directors
September 22, 2022 | 8:30am | Public Meeting Room, Oshtemo Township Hall
Page 2 of 2
7. Closed Session to Discuss Written Opinion of Legal Counsel:
A resolution to enter closed session was before the Board. A motion was made by Dusty Farmer and supported by
Jeff Sorensen to adopt the foregoing resolution.
Upon a Roll Call Vote, the following voted “Yes”: Dusty Farmer, Jeff Sorensen, Cheri Bell, Larry Stehouwer.
The following were absent: Carol DeHaan
The motion carried 4-0 with 1 absent. The Board entered closed session at approximately 8:57am.
A motion was made by Dusty Farmer and supported by Cheri Bell to exit closed session.
Upon a voice vote, the motion was carried 4-0 with 1 absent. The board returned to open session at
approximately 9:31am.
8. Board Chair’s Report: Chair Farmer had nothing to report.
9. Adjournment: Seeing and hearing no other business, and having exhausted the agenda, Board Chair Dusty Farmer
declared the meeting adjourned at approximately 9:31am.
Next Regular Board Meeting
October 27th, 2022 | 8:30am | Public Meeting Room, Oshtemo Township Hall
Prepared By: KYLE GIBSON
Board Secretary & Office Manager
2022-10-27 SMBA Board Packet | Page 3 of 64
Southwest Michigan Building Authority
7275 West Main Street
Kalamazoo MI 49009
269-585-4150
www.swmiba.org
Financial Reports for:
October 2022
As of 2022-10-24
1. Permit Revenue & Inspections Report
2. Bank Account Balance Report
3. Accounts Payable Detailed Disbursement Report
4. Payroll Expense Report
5. Budget Snapshot
2022-10-27 SMBA Board Packet | Page 4 of 64
SOUTHWEST MICHIGAN BUILDING AUTHORITY REVENUE / INSPECTIONS REPORT
Reporting Period: 09/19/2022 to 10/24/2022
Building Electrical Mechanical Plumbing Totals
Oshtemo 57 30 63 30 180
Revenue $18,650.00 $6,658.00 $10,712.00 $4,536.00 $40,556.00
YTD Oshtemo 417 262 407 192 1278
YTD Revenue $173,311.41 $45,939.00 $65,698.75 $29,526.00 $314,475.16
Cooper 21 28 12 8 69
Revenue $6,942.00 $8,183.00 $1,270.00 $1,234.00 $17,629.00
YTD Cooper 155 122 126 43 446
YTD Revenue $53,944.00 $22,998.00 $18,876.00 $6,759.00 $102,577.00
Total Permits 78 58 75 38 249
Total Revenue $25,592.00 $14,841.00 $11,982.00 $5,770.00 $58,185.00
YTD Total Permits 572 384 533 235 1724
YTD Total Revenue $227,255.41 $68,937.00 $84,574.75 $36,285.00 $417,052.16
Building Electrical Mechanical Plumbing Totals
Oshtemo Inpsections 134 87 69 60 350
Cooper Inspections 56 24 24 16 120
YTD Oshtemo Inspections 1105 562 584 419 2670
YTD Cooper Inspections 355 168 159 91 773
Total Inspections 190 111 93 76 470
YTD Total Inspections 1460 730 743 510 3443
Permit Revenue
Inspections
0
100
200
300
400
500
600
$0.00
$20,000.00
$40,000.00
$60,000.00
$80,000.00
$100,000.00
2021 Revenue by Month 2022 Revenue by Month
2021 Inspections by Month 2022 Inspections by Month
Printed 10/24/2022 at 8:21 AM
I:\Board Meetings\01 TEMPLATES\Revenue & Inspections Report
2022-10-27 SMBA Board Packet | Page 5 of 64
SOUTHWEST MICHIGAN BUILDING AUTHORITY BANK BALANCE REPORT
Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec
2021 $503,222.53 $523,735.52 $538,097.75 $534,031.68 $547,884.78 $585,009.74 $582,810.88 $605,716.44 $651,192.93 $663,095.00 $660,676.17 $656,042.63
2022 $626,707.80 $625,317.91 $612,116.01 $617,783.73 $631,620.06 $664,256.90 $650,949.16 $632,887.00 $641,190.97 $618,300.31
$0.00
$100,000.00
$200,000.00
$300,000.00
$400,000.00
$500,000.00
$600,000.00
$700,000.00
Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec
Bank Account Balance by Month
2021 2022
Printed 10/24/2022 at 8:21 AM
I:\Board Meetings\01 TEMPLATES\Revenue & Inspections Report
2022-10-27 SMBA Board Packet | Page 6 of 64
Due Date 1099 Net Amount
City/State/Zip Disc. Date Disc. % Sep CK Discount
Ref # Address CK Run Date PO Hold Gross Amount
Vendor Code Vendor name Post Date Invoice Bank Invoice Description
10/24/2022 08:17 AM INVOICE APPROVAL BY INVOICE REPORT FOR SOUTHWEST MICHIGAN BUILDING AUTHORITY Page: 1/13
User: kgibson
DB: Smba
POST DATES 09/19/2022 – 10/24/2022
BOTH JOURNALIZED AND UNJOURNALIZED
PAID
GL NUMBER DESCRIPTION AMOUNT
Paid
10/28/2022 N 89.97
SEATTLE WA, 98124-5184 / / 0.0000 N 0.00
2125 PO BOX 035184 09/29/2022 N 89.97
AMAZON AMAZON CAPITAL SERVICES 09/29/2022 1G3V-61XK-G4L6 SWBA SUPPLIES
569-273-72700 QTY 3 AIR PURIFIER REPLACEMENT FILTERS 89.97
GL NUMBER DESCRIPTION AMOUNT
Paid
10/23/2022 N 40.78
SEATTLE WA, 98124-5184 / / 0.0000 N 0.00
2124 PO BOX 035184 09/29/2022 N 40.78
AMAZON AMAZON CAPITAL SERVICES 09/29/2022 1PPM-MXY6-97GV SWBA SUPPLIES
569-273-72700 20′ USB & HDMI CABLES 40.78
VENDOR TOTAL: 130.75
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Due Date 1099 Net Amount
City/State/Zip Disc. Date Disc. % Sep CK Discount
Ref # Address CK Run Date PO Hold Gross Amount
Vendor Code Vendor name Post Date Invoice Bank Invoice Description
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User: kgibson
DB: Smba
POST DATES 09/19/2022 – 10/24/2022
BOTH JOURNALIZED AND UNJOURNALIZED
PAID
GL NUMBER DESCRIPTION AMOUNT
Paid
10/15/2022 N 6,433.62
CHICAGO IL, 60680-9113 / / 0.0000 N 0.00
2119 PO BOX 809113 09/20/2022 N 6,433.62
AUNALYTICS AUNALYTICS, INC 09/20/2022 29969793 SWBA WINDOWS SERVER UPGRADE PROJECT FINAL BI569-273-80900 IT / Infrastructure 6,433.62
GL NUMBER DESCRIPTION AMOUNT
Paid
10/26/2022 N 203.27
CHICAGO IL, 60680-9113 / / 0.0000 N 0.00
2135 PO BOX 809113 10/06/2022 N 203.27
AUNALYTICS AUNALYTICS, INC 10/06/2022 29970069 SWBA FINAL PROJECT BILLING FROM QUOTE 11100
569-273-80900 IT / Infrastructure 203.27
GL NUMBER DESCRIPTION AMOUNT
Paid
10/31/2022 N 2,208.00
CHICAGO IL, 60680-9113 / / 0.0000 N 0.00
2133 PO BOX 809113 10/06/2022 N 2,208.00
AUNALYTICS AUNALYTICS, INC 10/06/2022 29970352 SWBA CLOUD HOSTING SERVICES OCT 2022
569-273-80900 IT / Infrastructure 2,208.00
VENDOR TOTAL: 8,844.89
GL NUMBER DESCRIPTION AMOUNT
Paid
10/28/2022 N 4,221.17
DETROIT MI, 48267-4416 / / 0.0000 N 0.00
2147 PO BOX 674416 10/17/2022 N 4,221.17
BCBS BLUE CROSS BLUE SHIELD OF MICHIGAN 10/17/2022 007043238-0000 SWBA HEALTH INSURANCE DEC 2022 PREPAY
569-273-71002 Health Insurance 4,221.17
VENDOR TOTAL: 4,221.17
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Paid
10/12/2022 N 11,475.00
ANN ARBOR MI, 48104-1354 / / 0.0000 N 0.00
CODE ENFORCEMENT SERVICES DIVISION 10/12/2022 N 11,475.00
117 N 1ST ST STE 70
2144
CWA CARLISLE WORTMAN ASSOCIATES 10/12/2022 2166870 SWBA REVIEW PB22-05-0436 3680 STADIUM PARK WADue Date 1099 Net Amount
City/State/Zip Disc. Date Disc. % Sep CK Discount
Ref # Address CK Run Date PO Hold Gross Amount
Vendor Code Vendor name Post Date Invoice Bank Invoice Description
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User: kgibson
DB: Smba
POST DATES 09/19/2022 – 10/24/2022
BOTH JOURNALIZED AND UNJOURNALIZED
PAID
GL NUMBER DESCRIPTION AMOUNT
Paid
09/19/2022 N 720.00
ANN ARBOR MI, 48104-1354 / / 0.0000 N 0.00
CODE ENFORCEMENT SERVICES DIVISION 09/19/2022 N 720.00
117 N 1ST ST STE 70
2115
CWA CARLISLE WORTMAN ASSOCIATES 09/19/2022 2166465 SWBA REVIEW PB22-05-0071 5130 W MAIN ST KIDS 569-273-80500 Plan Review 720.00
GL NUMBER DESCRIPTION AMOUNT
Paid
09/19/2022 N 240.00
ANN ARBOR MI, 48104-1354 / / 0.0000 N 0.00
CODE ENFORCEMENT SERVICES DIVISION 09/19/2022 N 240.00
117 N 1ST ST STE 70
2117
CWA CARLISLE WORTMAN ASSOCIATES 09/19/2022 2166466 SWBA REVIEW PB22-05-0301 5622 W MAIN ST
569-273-80500 Plan Review 240.00
GL NUMBER DESCRIPTION AMOUNT
Paid
09/19/2022 N 990.00
ANN ARBOR MI, 48104-1354 / / 0.0000 N 0.00
CODE ENFORCEMENT SERVICES DIVISION 09/19/2022 N 990.00
117 N 1ST ST STE 70
2114
CWA CARLISLE WORTMAN ASSOCIATES 09/19/2022 2166467 SWBA REVIEW PB22-05-0429 5708 VENTURE CT
569-273-80500 Plan Review 990.00
GL NUMBER DESCRIPTION AMOUNT
Paid
09/19/2022 N 990.00
ANN ARBOR MI, 48104-1354 / / 0.0000 N 0.00
CODE ENFORCEMENT SERVICES DIVISION 09/19/2022 N 990.00
117 N 1ST ST STE 70
2116
CWA CARLISLE WORTMAN ASSOCIATES 09/19/2022 2166468 SWBA REVIEW PB22-05-0430 9132 W KL AVE FETZE569-273-80500 Plan Review 990.00
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Due Date 1099 Net Amount
City/State/Zip Disc. Date Disc. % Sep CK Discount
Ref # Address CK Run Date PO Hold Gross Amount
Vendor Code Vendor name Post Date Invoice Bank Invoice Description
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User: kgibson
DB: Smba
POST DATES 09/19/2022 – 10/24/2022
BOTH JOURNALIZED AND UNJOURNALIZED
PAID
GL NUMBER DESCRIPTION AMOUNT
Paid
10/12/2022 N 11,475.00
ANN ARBOR MI, 48104-1354 / / 0.0000 N 0.00
CODE ENFORCEMENT SERVICES DIVISION 10/12/2022 N 11,475.00
117 N 1ST ST STE 70
2144
CWA CARLISLE WORTMAN ASSOCIATES 10/12/2022 2166870 SWBA REVIEW PB22-05-0436 3680 STADIUM PARK WA569-273-80500 Plan Review 11,475.00
GL NUMBER DESCRIPTION AMOUNT
Paid
10/12/2022 N 810.00
ANN ARBOR MI, 48104-1354 / / 0.0000 N 0.00
CODE ENFORCEMENT SERVICES DIVISION 10/12/2022 N 810.00
117 N 1ST ST STE 70
2145
CWA CARLISLE WORTMAN ASSOCIATES 10/12/2022 2166871 SWBA REVIEW PB22-05-0506 717 N DRAKE RD B2 O569-273-80500 Plan Review 810.00
GL NUMBER DESCRIPTION AMOUNT
Paid
10/12/2022 N 690.00
ANN ARBOR MI, 48104-1354 / / 0.0000 N 0.00
CODE ENFORCEMENT SERVICES DIVISION 10/12/2022 N 690.00
117 N 1ST ST STE 70
2146
CWA CARLISLE WORTMAN ASSOCIATES 10/12/2022 2166872 SWBA REVIEW PB22-05-0503 7504 STADIUM DR H&K 569-273-80500 Plan Review 690.00
VENDOR TOTAL: 15,915.00
GL NUMBER DESCRIPTION AMOUNT
Paid
10/03/2022 N 66.00
Byron Center MI, 49315-9132 10/03/2022 0.0000 N 0.00
2129 1376 108TH ST SW STE A 10/03/2022 N 0.00
MISC Circuit Electric 10/03/2022 00034977 SWBA BD Payment Refund
569-272-49200 03. Circuits 10.00
569-272-49200 06. Feeders, Bus Ducts, Etc. – Per 50′ 6.00
569-272-62702 30. Inspection – Final 50.00
66.00
VENDOR TOTAL: 66.00
2022-10-24 2022-10-27 SMBA Board Packet | Page 10 of 64 SMBA Board Packet | Page 10 of 64
GL NUMBER DESCRIPTION AMOUNT
Paid
11/15/2022 N 535.00
BRIGHTON MI, 48114 / / 0.0000 N 0.00
2148 9032 ROSEMARY LN 10/17/2022 N 535.00
CSC CODE SAVVY CONSULTANTS LLC 10/17/2022 2095 SWBA FS REVIEW PM22-05-0484 717 N DRAKE RD BDue Date 1099 Net Amount
City/State/Zip Disc. Date Disc. % Sep CK Discount
Ref # Address CK Run Date PO Hold Gross Amount
Vendor Code Vendor name Post Date Invoice Bank Invoice Description
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User: kgibson
DB: Smba
POST DATES 09/19/2022 – 10/24/2022
BOTH JOURNALIZED AND UNJOURNALIZED
PAID
GL NUMBER DESCRIPTION AMOUNT
Paid
10/26/2022 N 785.00
BRIGHTON MI, 48114 / / 0.0000 N 0.00
2127 9032 ROSEMARY LN 09/29/2022 N 785.00
CSC CODE SAVVY CONSULTANTS LLC 09/29/2022 2076 SWBA FA REVIEW PE22-02-0356/0357 5102/5104 C569-273-80500 Plan Review 785.00
GL NUMBER DESCRIPTION AMOUNT
Paid
11/08/2022 N 380.00
BRIGHTON MI, 48114 / / 0.0000 N 0.00
2137 9032 ROSEMARY LN 10/10/2022 N 380.00
CSC CODE SAVVY CONSULTANTS LLC 10/10/2022 2081 SWBA FA REVIEW PE22-05-0270 1750 S DRAKE RD 569-273-80500 Plan Review 380.00
GL NUMBER DESCRIPTION AMOUNT
Paid
11/09/2022 N 910.00
BRIGHTON MI, 48114 / / 0.0000 N 0.00
2141 9032 ROSEMARY LN 10/11/2022 N 910.00
CSC CODE SAVVY CONSULTANTS LLC 10/11/2022 2082 SWBA FS REVIEW PM22-05-0502 5933 W KL AVE ON569-273-80500 Plan Review 910.00
GL NUMBER DESCRIPTION AMOUNT
Paid
11/15/2022 N 1,070.00
BRIGHTON MI, 48114 / / 0.0000 N 0.00
2154 9032 ROSEMARY LN 10/18/2022 N 1,070.00
CSC CODE SAVVY CONSULTANTS LLC 10/18/2022 2092 SWBA FS REVIEW PM22-05-0545 1750 S DRAKE RD 569-273-80500 PLAN REVIEW 535.00
569-273-80500 EXPEDITED REVIEW FEE 535.00
1,070.00
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Due Date 1099 Net Amount
City/State/Zip Disc. Date Disc. % Sep CK Discount
Ref # Address CK Run Date PO Hold Gross Amount
Vendor Code Vendor name Post Date Invoice Bank Invoice Description
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User: kgibson
DB: Smba
POST DATES 09/19/2022 – 10/24/2022
BOTH JOURNALIZED AND UNJOURNALIZED
PAID
GL NUMBER DESCRIPTION AMOUNT
Paid
11/15/2022 N 535.00
BRIGHTON MI, 48114 / / 0.0000 N 0.00
2148 9032 ROSEMARY LN 10/17/2022 N 535.00
CSC CODE SAVVY CONSULTANTS LLC 10/17/2022 2095 SWBA FS REVIEW PM22-05-0484 717 N DRAKE RD B569-273-80500 Plan Review 535.00
VENDOR TOTAL: 3,680.00
GL NUMBER DESCRIPTION AMOUNT
Paid
09/21/2022 Y 550.00
KALAMAZOO MI, 49009-8911 / / 0.0000 N 0.00
2120 6323 WINDDRIFT AVE 09/21/2022 N 550.00
GHECKMAN GARYAIRE, LLC 09/21/2022 2022-09-21-1 SWBA PLUMBING / MECHANICAL INSPECTIONS
569-273-80400 Plumbing Inspector 250.00
569-273-80300 Mechanical Inspector 300.00
550.00
GL NUMBER DESCRIPTION AMOUNT
Paid
10/03/2022 Y 1,000.00
KALAMAZOO MI, 49009-8911 / / 0.0000 N 0.00
2130 6323 WINDDRIFT AVE 10/03/2022 N 1,000.00
GHECKMAN GARYAIRE, LLC 10/03/2022 2022-10-03-1 SWBA PLUMBING / MECHANICAL INSPECTIONS
569-273-80400 Plumbing Inspector 350.00
569-273-80300 Mechanical Inspector 650.00
1,000.00
GL NUMBER DESCRIPTION AMOUNT
Paid
10/17/2022 Y 1,200.00
KALAMAZOO MI, 49009-8911 / / 0.0000 N 0.00
2149 6323 WINDDRIFT AVE 10/17/2022 N 1,200.00
GHECKMAN GARYAIRE, LLC 10/17/2022 2022-10-17-1 SWBA PLUMBING / MECHANICAL INSPECTIONS
569-273-80400 Plumbing Inspector 550.00
569-273-80300 Mechanical Inspector 650.00
1,200.00
VENDOR TOTAL: 2,750.00
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Due Date 1099 Net Amount
City/State/Zip Disc. Date Disc. % Sep CK Discount
Ref # Address CK Run Date PO Hold Gross Amount
Vendor Code Vendor name Post Date Invoice Bank Invoice Description
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User: kgibson
DB: Smba
POST DATES 09/19/2022 – 10/24/2022
BOTH JOURNALIZED AND UNJOURNALIZED
PAID
GL NUMBER DESCRIPTION AMOUNT
Paid
10/10/2022 N 548.02
KALAMAZOO MI, 49007-4713 / / 0.0000 N 0.00
2139 211 S ROSE ST 10/10/2022 N 548.02
GREENLEAF GREENLEAF TRUST 10/10/2022 00017100 SWBA Q3-2022 TRUSTEE AND RECORDKEEPING FEES
569-273-71009 TRUSTEE MARKET VALUE FEE 120.02
569-273-71009 RECORDKEEPING BASE FEE 400.00
569-273-71009 PER PARTICIPANT FEE 28.00
548.02
VENDOR TOTAL: 548.02
GL NUMBER DESCRIPTION AMOUNT
Paid
10/23/2022 N 238.00
GRAND RAPIDS MI, 49512-5462 / / 0.0000 N 0.00
2126 4740 TALON CT SE STE 8 09/29/2022 N 238.00
INTEGRITY INTEGRITY BUSINESS SOLUTIONS 09/29/2022 2392394-0 SWBA OFFICE SUPPLIES
569-273-72700 QTY 4 GREEN STICKER PAPER 238.00
VENDOR TOTAL: 238.00
GL NUMBER DESCRIPTION AMOUNT
Paid
09/22/2022 N 30.00
KALAMAZOO MI, 49009-5469 / / 0.0000 N 0.00
2123 2615 W F AVE 09/22/2022 N 30.00
LSTEHOUWER LARRY STEHOUWER 09/22/2022 2022-09-22-1 SWBA BOARD MEETING ATTENDANCE 2022-09-22
569-273-70204 Board Member At Large Stipend 30.00
VENDOR TOTAL: 30.00
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Due Date 1099 Net Amount
City/State/Zip Disc. Date Disc. % Sep CK Discount
Ref # Address CK Run Date PO Hold Gross Amount
Vendor Code Vendor name Post Date Invoice Bank Invoice Description
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User: kgibson
DB: Smba
POST DATES 09/19/2022 – 10/24/2022
BOTH JOURNALIZED AND UNJOURNALIZED
PAID
GL NUMBER DESCRIPTION AMOUNT
Paid
10/22/2022 N 562.56
KALAMAZOO MI, 49009-1332 / / 0.0000 N 0.00
2138 811 S DRAKE RD 10/10/2022 N 562.56
VISA MERCANTILE VISA 10/10/2022 2022-10-10-1 SWBA VISA BILL SEP 2022
569-273-86000 GAS 144.02
569-273-86000 CAR WASH MONTHLY SUBSCRIPTION 29.99
569-273-80901 COGNITO FORMS SUBSCRIPTION 131.00
569-273-72700 Supplies 240.75
569-273-72800 Postage / Shipping 16.80
562.56
VENDOR TOTAL: 562.56
GL NUMBER DESCRIPTION AMOUNT
Paid
10/21/2022 N 60.00
Riverdale MI, 48877 10/21/2022 0.0000 N 0.00
2156 11780 NW MONROE RD 10/21/2022 N 0.00
MISC MICHIGAN SOLAR SOLUTIONS 10/21/2022 00036895 SWBA BD Payment Refund
569-272-49200 16. Solar Panel Installations 10.00
569-272-62702 30. Inspection – Final 50.00
60.00
GL NUMBER DESCRIPTION AMOUNT
Paid
10/21/2022 N 333.00
Riverdale MI, 48877 10/21/2022 0.0000 N 0.00
2155 11780 NW MONROE RD 10/21/2022 N 0.00
MISC MICHIGAN SOLAR SOLUTIONS 10/21/2022 00036896 SWBA BD Payment Refund
569-272-49100 01. Base Permit Fee 333.00
VENDOR TOTAL: 393.00
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Due Date 1099 Net Amount
City/State/Zip Disc. Date Disc. % Sep CK Discount
Ref # Address CK Run Date PO Hold Gross Amount
Vendor Code Vendor name Post Date Invoice Bank Invoice Description
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User: kgibson
DB: Smba
POST DATES 09/19/2022 – 10/24/2022
BOTH JOURNALIZED AND UNJOURNALIZED
PAID
GL NUMBER DESCRIPTION AMOUNT
Paid
09/21/2022 Y 1,250.00
COLDWATER MI, 49036-9553 / / 0.0000 N 0.00
2121 426 SARAH LN 09/21/2022 N 1,250.00
TTHATCHER MP SERVICES LLC 09/21/2022 2022-09-21-2 SWBA MECHANICAL / PLUMBING INSPECTIONS
569-273-80300 Mechanical Inspector 900.00
569-273-80400 Plumbing Inspector 350.00
1,250.00
GL NUMBER DESCRIPTION AMOUNT
Paid
10/03/2022 Y 2,250.00
COLDWATER MI, 49036-9553 / / 0.0000 N 0.00
2131 426 SARAH LN 10/03/2022 N 2,250.00
TTHATCHER MP SERVICES LLC 10/03/2022 2022-10-03-2 SWBA MECHANICAL / PLUMBING INSPECTIONS
569-273-80300 Mechanical Inspector 1,150.00
569-273-80400 Plumbing Inspector 1,100.00
2,250.00
GL NUMBER DESCRIPTION AMOUNT
Paid
10/17/2022 Y 1,700.00
COLDWATER MI, 49036-9553 / / 0.0000 N 0.00
2150 426 SARAH LN 10/17/2022 N 1,700.00
TTHATCHER MP SERVICES LLC 10/17/2022 2022-10-17-2 SWBA MECHANICAL / PLUMBING INSPECTIONS
569-273-80300 Mechanical Inspector 800.00
569-273-80400 Plumbing Inspector 900.00
1,700.00
VENDOR TOTAL: 5,200.00
2022-10-24 2022-10-27 SMBA Board Packet | Page 15 of 64 SMBA Board Packet | Page 15 of 64
Due Date 1099 Net Amount
City/State/Zip Disc. Date Disc. % Sep CK Discount
Ref # Address CK Run Date PO Hold Gross Amount
Vendor Code Vendor name Post Date Invoice Bank Invoice Description
10/24/2022 08:17 AM INVOICE APPROVAL BY INVOICE REPORT FOR SOUTHWEST MICHIGAN BUILDING AUTHORITY Page: 10/13
User: kgibson
DB: Smba
POST DATES 09/19/2022 – 10/24/2022
BOTH JOURNALIZED AND UNJOURNALIZED
PAID
GL NUMBER DESCRIPTION AMOUNT
Paid
10/30/2022 N 16.69
CINCINNATI OH, 45263-3301 / / 0.0000 N 0.00
2153 PO BOX 633301 10/17/2022 N 16.69
ODP ODP BUSINESS SOLUTIONS 10/17/2022 269506578001 SWBA OFFICE SUPPLIES
569-273-72700 ANTI-VIRAL KLEENEX PK 4 QTY 2 PKS 16.69
VENDOR TOTAL: 16.69
GL NUMBER DESCRIPTION AMOUNT
Paid
10/06/2022 N 3,255.00
KALAMAZOO MI, 49009-8210 / / 0.0000 N 0.00
2134 7275 W MAIN ST 10/06/2022 N 3,255.00
OSHTEMO OSHTEMO TOWNSHIP 10/06/2022 10163 SWBA LEGAL FEES 2022-Q2
569-273-80800 Legal Fees 3,255.00
GL NUMBER DESCRIPTION AMOUNT
Paid
10/11/2022 N 3,840.00
KALAMAZOO MI, 49009-8210 / / 0.0000 N 0.00
2140 7275 W MAIN ST 10/11/2022 N 3,840.00
OSHTEMO OSHTEMO TOWNSHIP 10/11/2022 10164 SWBA LEGAL FEES 2022-Q3
569-273-80800 Legal Fees 3,840.00
VENDOR TOTAL: 7,095.00
GL NUMBER DESCRIPTION AMOUNT
Paid
10/10/2022 Y 250.00
VAN BUREN TWP MI, 48111-1677 / / 0.0000 N 0.00
2136 9593 REVERE DR 10/10/2022 N 250.00
REDMOND REDMOND ENGINEERING & DESIGN 10/10/2022 22-018-001 SWBA FS WET CHEM KITCHEN HOOD REVIEW PM22-02569-273-80500 Plan Review 250.00
VENDOR TOTAL: 250.00
2022-10-24 2022-10-27 SMBA Board Packet | Page 16 of 64 SMBA Board Packet | Page 16 of 64
Due Date 1099 Net Amount
City/State/Zip Disc. Date Disc. % Sep CK Discount
Ref # Address CK Run Date PO Hold Gross Amount
Vendor Code Vendor name Post Date Invoice Bank Invoice Description
10/24/2022 08:17 AM INVOICE APPROVAL BY INVOICE REPORT FOR SOUTHWEST MICHIGAN BUILDING AUTHORITY Page: 11/13
User: kgibson
DB: Smba
POST DATES 09/19/2022 – 10/24/2022
BOTH JOURNALIZED AND UNJOURNALIZED
PAID
GL NUMBER DESCRIPTION AMOUNT
Paid
09/25/2022 N 110.15
CHICAGO IL, 60680-2815 / / 0.0000 N 0.00
2118 PO BOX 802815 09/20/2022 N 110.15
RICOH RICOH 09/20/2022 5065574669 SWBA SEP 2022 CONTRACT # 4470926
569-273-95600 MPC2504 BASE 2022-09-15 TO 2022-10-14 15.41
569-273-95600 MPC2504 BW READ 2.76
569-273-95600 MPC2504 COLOR READ 91.98
110.15
GL NUMBER DESCRIPTION AMOUNT
Paid
10/11/2022 N 223.76
CHICAGO IL, 60680-2815 / / 0.0000 N 0.00
2143 PO BOX 802815 10/11/2022 N 223.76
RICOH RICOH 10/11/2022 5065671310 SWBA Q3 CONTRACT # 5137948
569-273-95600 MPCW2201SP BASE 2022-10-01 TO 2022-12-31 210.00
569-273-95600 MPCW2201SP COLOR READ 13.76
223.76
VENDOR TOTAL: 333.91
GL NUMBER DESCRIPTION AMOUNT
Paid
10/11/2022 N 200.00
PORTAGE MI, 49002-0507 / / 0.0000 N 0.00
2142 246 E KILGORE RD 10/11/2022 N 200.00
SIEGFRIED SIEGFRIED CRANDALL PC 10/11/2022 110265 SWBA ACCOUNTING SERVICES SEP 2022
569-273-80700 Accounting / Audit Fees 200.00
VENDOR TOTAL: 200.00
2022-10-24 2022-10-27 SMBA Board Packet | Page 17 of 64 SMBA Board Packet | Page 17 of 64
Due Date 1099 Net Amount
City/State/Zip Disc. Date Disc. % Sep CK Discount
Ref # Address CK Run Date PO Hold Gross Amount
Vendor Code Vendor name Post Date Invoice Bank Invoice Description
10/24/2022 08:17 AM INVOICE APPROVAL BY INVOICE REPORT FOR SOUTHWEST MICHIGAN BUILDING AUTHORITY Page: 12/13
User: kgibson
DB: Smba
POST DATES 09/19/2022 – 10/24/2022
BOTH JOURNALIZED AND UNJOURNALIZED
PAID
GL NUMBER DESCRIPTION AMOUNT
Paid
11/01/2022 N 182.32
PHILADELPHIA PA, 19170-0001 / / 0.0000 N 0.00
2151 PO BOX 7247-0381 10/17/2022 N 182.32
SUN LIFE SUN LIFE FINANCIAL 10/17/2022 247757 SWBA LIFE INSURANCE NOV 2022
569-273-71003 Disability / Life Insurance 182.32
VENDOR TOTAL: 182.32
GL NUMBER DESCRIPTION AMOUNT
Paid
10/14/2022 N 51.00
CINCINNATI OH, 45274-2596 / / 0.0000 N 0.00
2128 PO BOX 742596 09/29/2022 N 51.00
TMOBILE T-MOBILE 09/29/2022 977195739 SWBA MOBILE HOTSPOT USAGE SEP 2022
569-273-80900 IT / Infrastructure 51.00
VENDOR TOTAL: 51.00
2022-10-24 2022-10-27 SMBA Board Packet | Page 18 of 64 SMBA Board Packet | Page 18 of 64
Due Date 1099 Net Amount
City/State/Zip Disc. Date Disc. % Sep CK Discount
Ref # Address CK Run Date PO Hold Gross Amount
Vendor Code Vendor name Post Date Invoice Bank Invoice Description
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User: kgibson
DB: Smba
POST DATES 09/19/2022 – 10/24/2022
BOTH JOURNALIZED AND UNJOURNALIZED
PAID
GL NUMBER DESCRIPTION AMOUNT
Paid
09/21/2022 Y 5,350.00
MATTAWAN MI, 49071-9746 / / 0.0000 N 0.00
2122 38159 24TH ST 09/21/2022 N 5,350.00
WWILCOX WILLIAM WILCOX 09/21/2022 2022-09-21-3 SWBA ELECTRICAL INSPECTIONS
569-273-80200 Electrical Inspector 2,600.00
569-273-80100 Building Inspector 2,750.00
5,350.00
GL NUMBER DESCRIPTION AMOUNT
Paid
10/03/2022 Y 3,050.00
MATTAWAN MI, 49071-9746 / / 0.0000 N 0.00
2132 38159 24TH ST 10/03/2022 N 3,050.00
WWILCOX WILLIAM WILCOX 10/03/2022 2022-10-03-3 SWBA ELECTRICAL INSPECTIONS
569-273-80200 Electrical Inspector 2,150.00
569-273-80100 Building Inspector 900.00
3,050.00
GL NUMBER DESCRIPTION AMOUNT
Paid
10/17/2022 Y 2,800.00
MATTAWAN MI, 49071-9746 / / 0.0000 N 0.00
2152 38159 24TH ST 10/17/2022 N 2,800.00
WWILCOX WILLIAM WILCOX 10/17/2022 2022-10-17-3 SWBA BUILDING & ELECTRICAL INSPECTIONS
569-273-80200 Electrical Inspector 1,950.00
569-273-80100 Building Inspector 850.00
2,800.00
VENDOR TOTAL: 11,200.00
TOTAL – ALL VENDORS: 61,908.31
2022-10-24 2022-10-27 SMBA Board Packet | Page 19 of 64 SMBA Board Packet | Page 19 of 64
Fund Item Amount
10/24/2022 08:23 AM Page 1 of 1
For Journal Entries with Post Dates Between 09/19/2022 and 10/24/2022
Journal Totals By Fund Report
Total Payroll: 24,583.20
Net Payment: 15,542.11
Gross Payment: 21,419.47
569
Pay Codes Amount
HOLIDAY 251.68
HOURLY 6,500.82
MILEAGE 312.07
OPT-OUT 502.74
OVERTIME 189.09
PHONE 145.74
PTO 3,017.75
SALARY 4,622.22
Pay Code Totals: 15,542.11
Deductions Amount
FITW 1,166.62
HSA_EE 600.00
MEDICARE_EE 295.08
PENSION_EE_PRE 177.21
PENSION_EE_ROTH 1,467.49
SITW 909.27
SOCSEC_EE 1,261.69
Deduction Totals: 5,877.36
Expenses Amount
MEDICARE_ER 295.08
PENSION_ER 803.48
PENSION_ER_MTCH 803.48
SOCSEC_ER 1,261.69
Expense Totals: 3,163.73
2022-10-24 2022-10-27 SMBA Board Packet | Page 20 of 64 SMBA Board Packet | Page 20 of 64
10/24/2022 08:24 AM REVENUE AND EXPENDITURE REPORT FOR SOUTHWEST MICHIGAN BUILDING AUTHORITY Page: 1/2
User: kgibson
DB: Smba
PERIOD ENDING 10/31/2022
% Fiscal Year Completed: 83.29
% BDGT
USED
AVAILABLE
BALANCE
ACTIVITY FOR
MONTH
10/31/2022
YTD BALANCE
10/31/2022
2022
GL NUMBER DESCRIPTION AMENDED BUDGET
Fund 569 – Building Authority
Revenues
Dept 000 – A&L, Balance Sheet Accounts
569-000-99999 Carryover 0.00 0.00 0.00 0.00 0.00
Total Dept 000 – A&L, Balance Sheet Accounts 0.00 0.00 0.00 0.00 0.00
Dept 272 – Revenue Accounts
569-272-49100 Building Permits 200,000.00 162,643.57 9,963.00 37,356.43 81.32
569-272-49200 Electrical Permits 50,000.00 34,248.00 6,077.00 15,752.00 68.50
569-272-49300 Mechanical Permits 50,000.00 44,568.75 2,994.00 5,431.25 89.14
569-272-49400 Plumbing Permits 25,000.00 18,715.00 1,609.00 6,285.00 74.86
569-272-49500 Annual Permits 0.00 500.00 0.00 (500.00) 100.00
569-272-60701 FOIA Fees 500.00 293.70 7.70 206.30 58.74
569-272-62600 Building Services to Others 0.00 0.00 0.00 0.00 0.00
569-272-62701 Building Inspections 85,000.00 48,580.00 2,300.00 36,420.00 57.15
569-272-62702 Electrical Inspections 40,000.00 35,200.00 4,250.00 4,800.00 88.00
569-272-62703 Mechanical Inspections 45,000.00 37,950.00 2,450.00 7,050.00 84.33
569-272-62704 Plumbing Inspections 35,000.00 26,950.00 2,250.00 8,050.00 77.00
569-272-63000 Plan Review 70,000.00 24,971.75 2,480.00 45,028.25 35.67
569-272-66300 Bond Forfeitures and Bond Costs 0.00 0.00 0.00 0.00 0.00
569-272-66500 Interest on Investments 1,100.00 975.69 0.00 124.31 88.70
569-272-67300 Gain/Loss on Sale of Assets 0.00 0.00 0.00 0.00 0.00
569-272-67500 Miscellaneous 1,100.00 (298.79) 2.00 1,398.79 (27.16)
Total Dept 272 – Revenue Accounts 602,700.00 435,297.67 34,382.70 167,402.33 72.22
TOTAL REVENUES 602,700.00 435,297.67 34,382.70 167,402.33 72.22
Expenditures
Dept 273 – Building Authority Expense Activity
569-273-70200 Salaries 181,814.00 144,432.33 13,646.95 37,381.67 79.44
569-273-70203 Building Board of Appeals 0.00 0.00 0.00 0.00 0.00
569-273-70204 Board Member At Large Stipend 360.00 270.00 0.00 90.00 75.00
569-273-71002 Health Insurance 51,000.00 50,012.53 4,221.17 987.47 98.06
569-273-71003 Disability / Life Insurance 2,160.00 1,913.42 182.32 246.58 88.58
569-273-71004 Work Comp Insurance 2,200.00 1,395.00 0.00 805.00 63.41
569-273-71005 Payroll Taxes – FICA 13,464.00 11,062.48 1,045.27 2,401.52 82.16
569-273-71006 HSA 7,270.00 7,257.00 0.00 13.00 99.82
569-273-71009 Pension Plan 14,080.00 12,830.11 1,620.76 1,249.89 91.12
569-273-71101 In Lieu of Insurance 5,420.00 4,375.14 416.68 1,044.86 80.72
569-273-71102 Clothing Allowance 1,500.00 264.00 0.00 1,236.00 17.60
569-273-71103 Education / Membership Dues 4,000.00 3,535.15 0.00 464.85 88.38
569-273-72700 Supplies 4,500.00 2,313.49 257.44 2,186.51 51.41
569-273-72800 Postage / Shipping 2,750.00 2,319.46 16.80 430.54 84.34
569-273-72900 General Insurance 9,400.00 8,818.00 0.00 582.00 93.81
569-273-80100 Building Inspector 10,000.00 8,650.00 1,750.00 1,350.00 86.50
569-273-80200 Electrical Inspector 40,000.00 34,150.00 4,100.00 5,850.00 85.38
569-273-80300 Mechanical Inspector 45,000.00 34,100.00 3,250.00 10,900.00 75.78
569-273-80400 Plumbing Inspector 35,000.00 23,550.00 2,900.00 11,450.00 67.29
569-273-80500 Plan Review 70,000.00 41,071.75 16,120.00 28,928.25 58.67
569-273-80600 Consultants 0.00 0.00 0.00 0.00 0.00
569-273-80700 Accounting / Audit Fees 10,500.00 7,465.00 200.00 3,035.00 71.10
569-273-80800 Legal Fees 7,000.00 12,980.00 7,095.00 (5,980.00) 185.43
569-273-80900 IT / Infrastructure 35,993.00 35,258.55 2,411.27 734.45 97.96
2022-10-24 2022-10-27 SMBA Board Packet | Page 21 of 64 SMBA Board Packet | Page 21 of 64
10/24/2022 08:24 AM REVENUE AND EXPENDITURE REPORT FOR SOUTHWEST MICHIGAN BUILDING AUTHORITY Page: 2/2
User: kgibson
DB: Smba
PERIOD ENDING 10/31/2022
% Fiscal Year Completed: 83.29
% BDGT
USED
AVAILABLE
BALANCE
ACTIVITY FOR
MONTH
10/31/2022
YTD BALANCE
10/31/2022
2022
GL NUMBER DESCRIPTION AMENDED BUDGET
Fund 569 – Building Authority
Expenditures
569-273-80901 IT / Software 15,000.00 5,347.59 131.00 9,652.41 35.65
569-273-80902 IT / Support 500.00 185.00 0.00 315.00 37.00
569-273-85000 Telephone 4,260.00 2,766.97 150.00 1,493.03 64.95
569-273-86000 Vehicle Gas / Maintenance 3,500.00 2,612.29 174.01 887.71 74.64
569-273-86100 Mileage 500.00 427.29 319.53 72.71 85.46
569-273-94000 Facility Rent 22,000.00 22,000.00 0.00 0.00 100.00
569-273-95500 Miscellaneous 0.00 (116.55) 0.00 116.55 100.00
569-273-95600 Equipment / Maintenance 2,000.00 1,894.83 223.76 105.17 94.74
569-273-96401 Refund of Overpayment 0.00 0.00 0.00 0.00 0.00
569-273-96500 Bank Service Charges 660.00 515.00 0.00 145.00 78.03
569-273-96800 Depreciation Expense 0.00 0.00 0.00 0.00 0.00
569-273-97100 Capital Outlay 17,650.00 13,675.56 0.00 3,974.44 77.48
569-273-97200 Capital Outlay – Vehicle 0.00 0.00 0.00 0.00 0.00
569-273-99300 Interest/Penalty IRS/State Withholdings 0.00 0.00 0.00 0.00 0.00
Total Dept 273 – Building Authority Expense Activity 619,481.00 497,331.39 60,231.96 122,149.61 80.28
TOTAL EXPENDITURES 619,481.00 497,331.39 60,231.96 122,149.61 80.28
NET OF REVENUES & EXPENDITURES (16,781.00) (62,033.72) (25,849.26) 45,252.72 369.67
TOTAL EXPENDITURES 619,481.00 497,331.39 60,231.96 122,149.61 80.28
TOTAL REVENUES 602,700.00 435,297.67 34,382.70 167,402.33 72.22
Fund 569 – Building Authority:
NET OF REVENUES & EXPENDITURES (16,781.00) (62,033.72) (25,849.26) 45,252.72 369.67
TOTAL EXPENDITURES – ALL FUNDS 619,481.00 497,331.39 60,231.96 122,149.61 80.28
TOTAL REVENUES – ALL FUNDS 602,700.00 435,297.67 34,382.70 167,402.33 72.22
2022-10-24 2022-10-27 SMBA Board Packet | Page 22 of 64 SMBA Board Packet | Page 22 of 64
Michigan Municipal lnsurance Coverage Proposal
For
SOUTHWEST MICHIGAN
BUILDING AUTHORITY
Kalamazoo County
January I’tr2023 to January 1″, 2024
Geoffrey G. Lansky
Tei, Ha*flily Age,^t4
5840 King Highway
Kalamazoo, MI49048
Since 1977
, EMC Insu rance (hnpanies
2022-10-27 SMBA Board Packet | Page 23 of 64
Ted Hartleb Agency
Service Guuruntee!
“Our Pledge”
Tb listen to our clients needs, wants, and concerns in regards to their insurance and beneJits.
Provide our business partners with the highest quality of insurance products available to us in the
market place based on their insurance needs.
Provide our business partners with continuing education of what products they are purchasing,
what insurance products are available to them, and how those products can better serve them.
Provide our business partners access to us for questions, renewals, and claims. We give our clients
our cell phone numbers so one of us can be reached at your convenience twenty-four hours per day,
seven days per week
Provide our business partners employees with continuing education of the employee beneJits that
have been purchasedfor them on their behalf,
Assist employees with questions, problems and concerns regarding their employee beneJits.
To always employ individuals who are educated and licensed in the Jield of insurance and who are
committed to making our business partners their number one priority!
For over 40 years the Tbd Hartleb Agency has had one goal and that is to give you, our clients, the
best service that we can olfer, you can count on us to be there for you!
We are proud to provide quality insurance programs from Employers Mutual Insurance Company,
Grange fnsurance, Michigan Millers Mutual Insurance Company, Safeco Insurance Company,
Wolverine, Liberly Mutual, West Bend, Progressive, Blue Cross Blue Shield of Michigan, and many
others.
Insuring your Municipalities, Fairs and Festivals, Public School Syslerns, Businesses, Beneftts,
Home and Auto, etc.,.
Please Call Us and Ask How We Can Assist Your fnsurance Needs.
269-i85-5911
J EMCIns urance ftmpanie s
2022-10-27 SMBA Board Packet | Page 24 of 64
J EMC Insurance Grouplnc,
EMC INSURANCE GROUP INC.
NAMED TO FORBES.COM lOO
MOST TRUSTWORTHY COMPANIES LIST
FOR IMMEDIATE RELEASE
Contact: Lisa Hamilton (Media)
5t5-345-7589
Steve Walsh (EMCI lnvestors)
515-345-25t5
EMC Insurance Group Inc. on 50 Most Trustworthy Financial Companies List by Forbes
DES MOINES, Iowa (Aug. 26, 2016)
–
For the third consecutive year, EMC Insurance Group Inc. (EMCI)* is
listed on the 50 Most Trustworthy Financial Companies list, announced by Forbes. EMCI achieved an
accounting and governance risk (AGR) score of 84 in the small-cap category. EMCI was previously listed on the
Forbes 100 Most Trustworthy Companies list in 2013.
MSCI ESG Research compiled the list separate from the Forbes 100 Most Trustworthy Companies list. To create
the list, MSCI ESG Research reviewed nearly 700 publicly-traded North American financial companies with
market caps of $250 million or greater for the year ending December 2015. MSCI ESG Research considers
accounting and governance behaviors, including high-risk events, revenue and expense recognition methods,
SEC actions and bankruptcy risk in scoring a company’s credibility. AnAGR number is then given to each
company and is the final composite by which organizations are scored. “We highlight companies that are most
transparent and reporting accurately on their financial outcomes, whether good or bad,” states MSCI ESG
Research.
The entire list and article can be found here: http://ow.lvlcOgM303s24f
*About EMC Insurance Group Inc.
EMC Insurance Group Inc. (EMCI) is a publicly held insurance holding company with operations in property
and casualty insurance and reinsurance. EMCI was formed in1974 and became publicly held in 1982. The
company’s common stock trades on the Global Select Market tier of the NASDAQ Stock Market under the
symbol EMCI. EMCI’s parent company is Employers Mutual Casualty Company (EMCC). EMCI and EMCC,
together with their subsidiary and affrliated companies, operate under the trade name EMC Insurance
Companies. For more information, visit w w rv. emc ins. co m’ i r.
3
, EMC Inrurancc t-r.:npanirs
2022-10-27 SMBA Board Packet | Page 25 of 64
About EMC Insurance Companies
EMC lnsurance Companies is among the top 50 insurance organizations in the country based on net written
premium, with more than 2,100 employees. The company was organized in 1911to write workers’
compensation protection in lowa. Today, EMC provides property and casualty insurance products and services
throughout the United States and writes reinsurance contracts worldwide. Operating under the trade name
EMC lnsurance Companies, Employers Mutual Casualty Company and one or more of its affiliated companies is
licensed in all 50 states and the District of Columbia. For more information, visit wwrv.emcins.com and
www’countonEMC’com
-end–
ENIC TNSURTNCE CONIPANTES JUNTPS TO NU}TBER 2 IN 40 BEST CONIPANTES FOR LEADERS
(Decernber 29,2016) – For the fourth consecutive year, EMC is listed as one of the best 40 companies for
leadersintheJanuaryffebruary2016issue of Chief Executivemagazine. EMCranks2″d thisyear, jumping
from 4e in 2015, and remains listed among notable companies including GE, IBM and P&G.
The annual ranking is based on a survey of orgarizations worldwide conducte dby Chief Executive in
cooperation with Chally Group Worldwide. The companies are scored on the following criteria:
1. Having a formal leadership process in place
2. Commitment of the CEO to leadership development
3. Percent of senior and middle management positions filled by internal candidates
4. Number of companies that report recruiting from the company
5. A shareholder performance metric
LrsToF CoMPANTES (TOP ls OF 40)
I. GENERALELECTRICAL
2. E}tC I\ST’R\.}iCE CO}IP.\NIt.S
3. HITACHIDATASYSTEMS
4, IBM
5. JOHNSON CONTROLS
6. VFCORPORATION
7, VERIZONCOMMUNICATIONS
8. 3M
9. P&G
IO. DOWCHEMICALS
II. OWENS CORNING
12. LAIARGEHOLCIM
13. FLUOR
14. WIPRO
I 5. SOUT}IWEST AIRLINES
4
, EMC In su rancr: (hnqranim
2022-10-27 SMBA Board Packet | Page 26 of 64
Feafures
of the
EMC PUBLIC ENTITY PROGRAM
1) Designed Exclusively for Michigan Public Entities
2) l00o of Covered Risk is with Insurance Company-NO POOLING
3) Non-Assessable
4) Higher Limits Available Upon Request
5) Local Loss Control Services Available
6) Local Claims Service
7) Underwriting of Risk done in Michigan
8) EMC – Providing Insurance Products for over 100 r,ears
9) EMC – Insuring Municipalities for over 40 ),ears
10) EMC – Over $4,000,000,000 in assets
11) EMC -A Proud American Company!
,EMC Insurancr (hnpanies
2022-10-27 SMBA Board Packet | Page 27 of 64
SERVICE COMPANIES
MARKETING AND SERWCE:
Ted Hartleb Agency
5840 King Highway
Kalamazoo, MI49048
269-385-5911
269-385-3370 (fax)
Your Service Agent is: Geoffrey G. Lansky
Your in office Account Manager is: Rob Koets
INSURANCE CARRIER:
EMC INSURANCE COMPAN\’
PO BOX 30546
Lansing, MI48909
800 -292-1320 (oll free)
*Office estublished in Michigan since 1940
CLAIMS AND LOSS CONTROL ADMINIS TR,,ITION :
EMC INSURANCE COIV{PANY
PO BOX 30546
Lansing, MI48909
800-292-1320 (toll free)
6
, Eltlf C In s’u rance (hrqranirs
2022-10-27 SMBA Board Packet | Page 28 of 64
Loss Control Services
As an EMC policyholder, you have preferred access to extensive loss control information and
resources. All loss control services are free of charge and include:
o Safety Video Library-Online access to hundreds of safety videos
. Compliance Benchmarking-Receive on-site surveys with reports of potential violations
o Environmental Health Services-Identifii workplace risks with recommendations
. Ergonomic Assessments-Assess employee work stations
o Fleet EMC-Leam about defensive driving and DOT regulations
o Loss Control Insights-Free monthly online newsletter focused on loss control
o Partnership Services-Develop cost-effective safety solutions
o Review of Safety Programs-Evaluate programs to comply with industry standards
o Safety Talks and Safety Signs-Download hundreds of talks and signs
o Security Consulting-Develop an emergency response plan
o Training Certificates-Create certificates for employees who complete training courses
Claims Services
An insurance claim has a financial and personal impact. That’s why our primary goal is to handle your
claim as fairly and quickly as possible, regardless of the type or size. Claims services include:
o Weekly workers’compensation meetings to discuss difficult claims and new laws
o Quarterly educational meetings for claims staff
o Adjuster credibility
o Open communication with insureds throughout the claims process
o Reduced medical costs with PPOs, prescription programs and a medical claims review unit
o Chiropractic care, physical/occupational therapy, inpatient and outpatient hospitalization and
diagnostic procedure reviews
o Insured, claimant and medical provider contact made within 24 hours of claim receipt
o Experienced nurses, life care planning and input on complex medical issues
Attorney Services
The law firm of Zausmer, August & Caldwell, P.C. provides free advice to EMC municipal clients.
Licensed attorney Heidi Hudson will work with you directly and can be reached at 248-851-4111.
Heidi has experience with labor and employment law, school law, insurance defense and fraud claims.
Free advice is offered on issues such as:
o Litigation
o Employment
o Drafting, interpretation and enforcement of ordinances and charters
o Land use, zoning and permits
o Property acquisitions and conveyances
o Facilitation of public works, including bidding, contracts, construction monitoring and disputes
o Review and preparation of municipal policies
o Open Meetings Act and Freedom of Information Act compliance
o Inter-govemment and shared service agreements
o Enforcement of construction, fire, property maintenance and other codes
7
J EMCIn suran ce Lnnq:anie s
2022-10-27 SMBA Board Packet | Page 29 of 64
COMPREHENSIVE PUBLIC ENTITY PROPERTY COVERAGE
BUILDING LIMIT
BUSINESS PERSONAL PROPERTY
PROPERTY IN THE OPEN
SPECIAL CAUSE OF LOSS
CO-INSURANCE
PROPERTY DEDUCTIBLE
BUSINESS INCOME & EXTRA EXPENSE
EARTHQUAI(E (subject to a 10% deductible)
SEWER BACK UP (per occurrence)
VALUABLE PAPERS AND RECORDS
ACCOUNTS RECEIVABLE (at each premise)
MONEYAND SECURITIES (on and offeach prernise)
xSchedule of Properties Provided with application and issued with policy
AVAILABLE
AVAILABLE
AVAILABLE
SUSPENDED
$250
ALS
AVAILABLE
$100,000
s500,000
$250,000
$10,000
PROPERTY COVERAGE HIGHLIGHTS :
1) All signs and fences within 1000 feet of covered property are included in the building limit 2) Personal Property within 1000 feet of premises: covered 3) Debris Removal: up to an additional $250,000. 4) Ordinance and Law coverage included in building limit 5) Electronic Data and Intemrption of Computer Operations : $100,000 annual aggregate 6) Fire Extinguisher System Recharge – untimited 7) Fire Department Service Charge: S50,000 8) Pollutant Cleanup and Removal: $100,000 annual aggregate 9) Personal Propertv ofOthers: 5100,000
l0) Cost of Taking Inventory – $50,000 per occturence limit
l1) Direct damage to utility services – $1,000,000 sub limit
12) changes or extremes in temperature or humidity – $25,000 per occrrrence
13) Unreported Buildings and Structures – $50,000 for any one occurrence
l4) Appurtenant Buildings and Structures – $500,000
15) Newly acquired or constructed buildings 52,000,000 limit 120 days
16) Newly acquired personal property 52,000,000 limit 120 days
17) Personal Effects Limit – $100,000
18) Property in transit – $250,000 limit
19) Outdoor property tree, shrub or plants: 5500,000 total, $1,000 max per each
20) ArsonReward: $25,000
21) LockReplacement and Re-Keying – $25,000
22) Legal Liability including personal property: S250,000
23) FineArs Limit – $100,000
24) Expediting Expenses – $100,000
25) Non-owned detached trailers on premises: $15,000
26) Building Foundations and Pilings Limit – up to l0olo of building limit not to exceed S1,000,000 per
occurrence
27) Underground Fiber Optic Cable – coverage provided at policy limit subject to a 52,500 deductible
28) Emergency’ services commandeered property: $500,000
*For additional coverage and exclusions please refer to the coverage document.
8
t EMC Insurarlre (innpanie.r
2022-10-27 SMBA Board Packet | Page 30 of 64
INLAND MARINE
LIMIT OF SCHEDULED EQUIPMENT
LIMIT OF UNSCHEDULED EQUIPMENT
PROPERTY IN TRANSIT
DEDUCTIBLE
*Any equipment with a replacement cost value over $5,000 must be scheduled on the policy.
*Schedule ofequipment provided at application and policy issuance.
ETECTRON’C DATA PROCESS’NG
HARDWARE
SOFTWARE
PROTECTION AND CONTROL SYSTEMS
REPRODUCTION EQUIPMENT
TELECOMMUNICATION EQUIPMENT
EXTRA EXPENSE
PROPERTY IN TRANSIT
DEDUCTIBLE
EARTH MOVEMENT AND VOLCANIC DEDUCTIBLE
MECHANICAL BREAKDOWN DEDUCTIB LE
ELECTRICAL AND POWER SUPPLY DISTRUBANCE DEDUCTIBLE
BOILER AND MACHINERY
(MECHANICAL BREAKDOWN COVERAGE)
LIMIT OF INSURANCE
DEDUCTIBLE
AVAILABLE
AVAILABLE
AVAILABLE
$2s0
$50,000
$25,000
INCLUDED
INCLUDED
INCLUDED
$25,000
$50,000
s2s0
$5,000
$2s0
$2s0
COVERAGE IN ADDI,ffioPERTY C.VERAGE
AT EACH NAMED LOCATION $1O,OOO DEDUCTIBLE $250
*Includes Mysterious Disappearance, Forgery or Alteration, Compfier & Funds Transfer Fraud, Money Orders and Counterfeit Money
AVAILABLE
$2s0
$100,000
INCLUDED
$25,000
EMPLOYEE BLANKET BOND
FAITHFUL PERFORMANCE
TREASURER
FAITHFUL PERFORMANCE
BOND COVERAGE
($ 1,000 deductible applies)
PUBLIC OFFICIALS BONDS
*For additional coverage and exclusions please refer to the coverage document.
9
, E MC In su:ancr *xnpanies
AVAILABLE
2022-10-27 SMBA Board Packet | Page 31 of 64
COMPREHENSIVE PUBLIC ENTITY AUTO POLICY
LIMIT OF LIABILITY
PERSON INJURY PROTECTION
PROPERTYPROTECTION
I.]NINSURED MOTORIST
UNDERINSURED MOTORIST
PHYSICAL DAMAGE
$1,000,000
INCLUDED
INCLUDED
$1,000,000
$1,000,000
$2s0
$s00
INCLUDED
$75,000
COMPREHENSTVE DEDUCTIBLE
BRO.A.D FORM COLLISION DEDUCTIBLE
HIRED AND NON OWNED AUTO COVERAGE
HIRED AUTO PHYSICAL VEHICLE DAMAGE COVERAGE
+schedule of vehicles provided on application and policy. Collision Coverage was not selected at this time.
ADDITIONAL COVERAGES
1) Towing is provided up to $100 for private passenger type vehicles 2) Towing is provided up to $500 for all NON private passenger tlpe vehicles
3) Transportation Expense: $50 per day to maximum of $1,000 4) Waiver of Deductible for Glass Repair
5) Fellow Employee exclusion is deleted
6) Comprehensive deductible is waived for glass repalr, will apply to glass replacement 7) Elected Official l’ehicle Endorsement: Up to a S1,000 deductible reimbursement or repair of a
Elected Officirls personal vehicle if it is involved in an accident and there is physical damage to
their vehicle
8) Fire Fighter Personal Auto Physical Damage Coverage: Up to $4,500 towards the replacement or
repair of your personal vehicle if damaged whilE responding or returning from a covered activity 9) Personal Property of Others: $250 for “loss” to personal property of others in or on your covered auto
10) Freezing Coverage for Fire and Other Emergency Vehicles: exclusion waived ll) Designated Value Coverage for scheduled autos: fire and emergency vehicles (see belorv)
l2) New vehicle Replacement – less than 2 years old and 20,000 Glnv or less
13) Permanently attached equipment included in vehicle value
l4) Broad Form Property Damage and Liability – Included
15) Extension of coverage to borrowed or rented vehicles due to a loss to a covered vehicle
*Hovt’ E,\,[C will settle a ph.,-sical clamage cloim.fitr a fire or emergenq) vehicle utili:ing form CAT1 t 4. j. *.hich
is exclusit’e o Et\[C.
o The cost to repair a covered “auto” or a part or parts ofit; or
o The cost to replace a part or parts of the covered “auto” with a part or parts of like kind and
quality without deduction for depreciation; or
. The cost to replace a covered “auto” with a new “auto” of like kind and quality without
deduction for deprecirtion; or
o l25Yo of amount shown in the schedule of Covered Autos You Own for Stated Amount for that
vehicle.
*For additional coverage and exclusions please refer to your policy
10
,EMC In s urar:.ce (hnryranies
2022-10-27 SMBA Board Packet | Page 32 of 64
COMPREHENSIVE PUBLIC ENTITY LIABILITY COVERAGE
PER OCCURRENCE LMIT
AGGREGATE LIMIT
DEDUCTIBLE
DAMAGE TO PREMISES RENTED TO YOU
MEDICAL EXPENSE LMIT
PERSONAL AND ADVERTISING INJURY LMIT
PRODUCTS AND COMPLETED OPERATIONS AGGREGATE LIMIT
EMPLOYEE BENEFIT LIABILITY ($1,000 deductible)
$1,000,000
$3,000,000
NONE
s500,000
$10,000
$1,000,000
$3,000,000
INCLUDED
A) Bodily Injury Included (broadened definition)
B) Personal Injury lncluded
C) Property Damage Included
ADDITIONALLY NAMED:
The “Persons Covered” provision of the Comprehensive Public Entity Liability coverage also includes the
following while acting “on behalf of’ or “in the interest of’the Named Entity.
l) Any member of the governing body of the named Entity
2) Any member of the board/commission of the named Entity
3) Any elected or appointed official of the named Entity
4) Any employee of the named Entity
5) Any volunteer of the named Entity
ADDITIONALLY INCLUDED:
1) Personal injury includes hazardgroups:
a) Detention, Imprisonment, Malicious Prosecution
b) Wrongful Entry or Eviction or other Invasion of the Right of Private Occupancy
c) A Publication or Utterance of a Libel, Slander or other Defamatory or Disparaging Material 2) Contractual Liability – Coverage for the Entity When it Becomes Legally Obligated for Liability
Assumed Through an Approved Contractual Agreement 3) Advertising Injury Liability – Includes Slogan Infringement 4) Host Liquor Liability- Includes Incidental Giving and Serving 5) Broad Form Property Damage Liability 6) Extended Bodily ktjury – bodily injury, sickness or disease sustained by a person, including mental
anguish or death resulting from bodily injury, sickness or disease 7) Incidental Medical Malpractice – Included 8) EMT/EMS coverage -Available
9) Fellow Employee Exclusion – Deleted
10) Lakes or Reservoirs -Available l1) Watercraft Liability – Available
I 2) Cemetery Professional – Available
13) Vicarious Liability – Included – Texas Charter Township
14) Care, custody and control exclusion waived (will include vehicles)
15) Broad Liability coverage available for all electric, gas, selver and water utiliry- operations
16) Sewer back up coverage – optional
*For additional coverage and exclusions please refer to your policy
,EMC Insurance (hrpanies
2022-10-27 SMBA Board Packet | Page 33 of 64
COMPREHENSIVE PUBLIC ENTITY ERRORS AND OMMISSION COVERAGE
EMC LINEBACKER FORM
PER OCCURRENCE LIMIT
AGGREGATE LIMIT
EMPLOYMENT PRACTICES LIABILITY
WRONGFULACT
$1,000,000
$2,000,000
INCLUDED
INCLUDED
DEDUCTIBLE $o
OCCURRENCE FORN,T
The “Persons Covered” provision of the Comprehensive Public Entity Liability coverage also includes
the following while acting “on behalf of’or “in the interest of’the Named Entity.
1) Any member of the governing body of the named Entity 2) Any member of the board/commission of the named Entity
3) Any elected or appointed official of the named Entity
4) Any employee of the named Entity
5) Any volunteer of the named Entity
6) Independent Contractors -As Designated Officials by the named Entity
ADDITIONALLY INCLUDED :
Supplernentary payments and plaintiff/claimant attomey’s fees and expenses
Good Samaritan Coverage – Included
Defense Costs: First Dollar Coverage
Zoning inverse condemnation, takings – MONETARYDAMAGE COVERAGE: $250,000
**DEFENSE COSTS _ OUTSIDE OF POLICY LIMTTS
Actual or alleged erors
Misstatements or misleading staternent
Act or omission or neglect or breach of duty
Injunctive Relief (non-monetary) NO SaBLIMIT Included
Loss of Salary/Fringe BeneJit $75,000/$150,000 Included
** See options page for additional Monetary Damage Coverage Limits for Regulatory Takings and Inverse
Condemnation
*For additional coverage and exclusions please refer to your policy
t2
, EMC Inslrrance Lonpanics
2022-10-27 SMBA Board Packet | Page 34 of 64
CYBER SOLUTIONS – LIABILITY
DATA COMPROMISE COVERAGE
RESPONSE EXPENSE LIMIT ANNUAL AGGREGATE
LEGAL REVIEW
FORENSIC “IT” REVIEW SUBLIMIT
NAMED MALWARE SUBLMIT
PUBLIC RELATIONS SUBLMIT
REGTILATORY FINES AND PENALIIES
PCIFINESAND PENATTIES
DEDUCTIBLE
DATA COMPROMISE DEFENSE AND LIABILITY LIMIT
ANNUALAGGREGATE
NAMED MALV/ARE SUBLIMIT
DEDUCTIBLE
IDENTITY RECOVERY COVERAGE
IDENTMY RECOVERY LIMIT
EXPENSE REIMBIIRSEMENT DEDUCTIBLE
CYBER COVERAGE
COMPUTERAITACK LMIT
LOSS OF BUSINESS SUBLMIT
PUBLIC RELATIONS SUBLIMIT
CYBER EXTORTION SI’BLMIT
MISDIRECTED FRAUD PAYMENT
DEDUCTIBLE
NETWORK SECI]RITY DEFENSE AND LIABILITY LIMIT
ANNUALAGGREGATE
DEDUCTIBLE
ELECTROMC MEDIA LIABILITY
DEDUCTIBLE
$100,000
$50,000
$50,000
$50,000
$10,000
$50,000
$50,000
$1,000
$100,000
$50,000
$1,000
$25,000
$100,000
$50,000
$10,000
$10,000
$5,000
$1,000
$100,000
$ 1,000
$100,000
$ 1,000
$0
*For additional coverage and exclusions please refer to the coverage document.
I3
, EMCIn surance G:rupanies
2022-10-27 SMBA Board Packet | Page 35 of 64
LIMIT OF COVERAGE
AGGREGATE LIMIT
SIR
EXCESS COVERAGE OVER:
LIMITS OF LIABILITY
PUBLIC ENTITY UMBRELLA COVERAGE
GENERAL LIABILITY
EMPLOYEE BENEFIT LIABILITY
AUTO LIABILITY
ERRORS OR OMISSIONS LIABILITY
WORKERS COMPENSATION
WORKERS COMPENSATION
PROVIDED BYEMC INSLTRANCE COMPANY
Bodily Injury by Accident
Bodtly Injury by Disease
Bodily Injury by Disease
$1,000,000
$1,000,000
$0
INCLUDED
INCLUDED
INCLUDED
INCLUDED
INCLUDED
$500,000 Each Accident
$500,000 Policy Limit
$500,000 Each Employee
*Payrolls provided at application and subject to annual audit
*For additional coverage and exclusions please refer to your policy
14
f EVlCIns ir r*nm (ignqranirs
2022-10-27 SMBA Board Packet | Page 36 of 64
Recommendations
1) Obtain certificates of Liability and Worker Compensation Insurance from sub contractor’s that perform work
on your behalfand/or on your premises.
2) Annually review higher limits of Liability and may be obtained through written request.
3) Aggressively remove ice and snow from walkways and parking lots.
4) Complete proper background checks on new hires.
5) Run MotorVehicle Records periodically on all employees who drive on your behalf.
6) Annually obtain certificates of insurance from employees who drive on your behalf.
7) Difference In Condition (DIC) Policy – consideration for purchase of coverage for many of the common
exclusions found in a Standard Property Policy.
8) Document any disciplinary action(s) for review with counsel.
9) Regular review of Real and Personal Property Values and Schedules.
l0) Regular inspections of vehicles, equipment, fire suppression systems and electrical services.
I l) Document all maintenance and inspections.
12) Regular update of employment handbooks, policies and procedures.
13) Regularupdate of zoning and ordinance laws.
14) Utilize loss control services and establish a time table for implementation.
15) Establish a tree maintenance program or if you already have one, review it to be sure that the Authority is
documenting, cutting down and/or removing dead trees/limbs from Auttrority Property.
16) Carefully review Business Income and Extra Expense exposures to insure current limits are met with
Authority Board approval.
17) Review your bonding exposures and limits to insure that your bonds provide adequate protection for your
Authority.
18) Cyber Liability is a growing area of litigation for municipalities throughout the country. It is a area of
liability you should discuss and review to determine if this type of protection should be added to the
Authority Insurance Program.
We can provide assistance in helping with many of these recommendations and/or provide options for you based
on written requesl
15
, EMCIn surance (xrnqranks
2022-10-27 SMBA Board Packet | Page 37 of 64
SLIMMARY OF COVERAGES AND PREMI
1) GENERALY LIABILITY
2) ERRORS AND OMTSSTONS
3) PROPERTY
4) INLAND MARINE
5) ELECTRONIC DATA PROCESSING
6) AUTO LIABILITY
7) BOILER AND MACHINERY (Mechanical Breakdown)
8) CRIME COVERAGE
9) BOND COVERAGE
10) UMBRELLA
I 1) WORKERS COMPENSATION
PACKAGE PREMIAM
IYORKERS COMPENSATION
TOTALANNAAL PREMIUM
UM
INCLUDED
INCLUDED
AVAILABLE
INCLUDED
INCLUDED
INCLUDED
INCLUDED
INCLUDED
INCLUDED
AVAILABLE
SEE BELO\\’
Optional Coverage:
[,,ITBRELL,4
PER OCCARRENCE
$1,000,000
$2,ooo,ooo
$3,000,000
$4,000,000
$5,000,000
P (.i B LIC O F F IC 1,1 L LI.4 B I LITI’
MONETARY DAMAGE COWRAGE
CI’BERSOLL’TTO.\’S
AGGREGATE
$1,000,000
$2,ooo,0oo
$3,000,000
$4,000,000
$5,0oo,ooo
*Higher limits are available upon requesl
$10,259
$1,180
811,,,39
PREMIUM
INCLUDED
$987
$1,974
$2,961
$3,948
INCLUDED
$229
84s9
$688
INCLUDED
ZONING
$250,000
$500,000
8750,000
$1,000,000
$50,000 – $100,000
*Higher limits are available upon request.
t6
J E;M,Glnsuramr &rrpanies
2022-10-27 SMBA Board Packet | Page 38 of 64
SOUTHWEST MICHIGAN BUILDING AUTHORITY
Acceptance of Insurance Proposal
Effective Date of Policy: Januar! 1″ , 2023
Signature Title Date
PACKAGE PREMIUM $ I1.439
OPTTONAL LIMITS ACCEPTED:
INITIAL LIMIT PREMIUM ADJUSTMENT
MONETARY DAMAGE $
UMBRELLA $
CYBERSOLUTIONS $
t7
$
$
$
$
$
$
$
$
TOTALANNUAL PREMIUM: $
, EMC IR surance (xrmpan ies
2022-10-27 SMBA Board Packet | Page 39 of 64
count on JEMC
CyberSolutions
Almost every business relies on data and computer
systems, and when these systems experience an
attack, critical information can be lost. The effects
of a cyber attack or data breach, including loss of
income and expensive litigation, can be long lasting
and financially devastating.
Coverage When You Need lt Most
CyberSolutions from EMC lnsurance Companies
provides the robust protection you need to respond to
and recover from a data breach or cyber attack. We do
this by combining data compromise and cyber liability
coverage into one product that offers a variety of limits and
deductibles at affordable rates.
Available to a wide variety of businesses and
organizations-from schools and municipalities to offices,
manufacturers and contractors- CyberSolutions helps
pay for the costs associated with:
. Computer software restoration
. Data recovery
. Third-party liability protection
. Response efforts
. Defense and liability
. ldentity recovery for key individuals within
your organization
Cyber Liability Component
The cyber liability component of CyberSolutions protects
your organization againsttwo related risks: computer
attacks and liability to third parties due to security
weaknesses in your computer systems.
Computer Attacks
When a computer attack causes damage to your electronic
data and computer systems, CyberSolutions pays for the
costs associated with recovery, including:
, NS UBANCE
. Data Bestoration: The cost of a professional firm hlred to
replace lost or corrupted data from electronic sources
. Data Re-Creation: The cost of a professional firm hired to
research, re-create and replace lost or corrupted data from
nonelectronic sources’
. System Restoration: The cost of a professional firm hired
t0 restore your c0mputer system to its pre-attack level of
functionality by replacing or reinstalling software, removing
malicious code and correcting the configuration of your
computer system
. loss of Business: Business income lost and extra expense
incurred during the period of time when system and data
recovery activities are taking place’
. Public Relations Services: Assistance from a professional
public relations firm in communicating with outside parties
concerning the computer attack and your response”
* SLrblimits apply
Network Security Liability
Network security liability provides coverage for defense
costs (within the policy limits) and associated settlement and
judgment costs arising from actions brought by third parties
who allege injuries as a result of a failure in the security of your
business systems, including :
. A breach ofthird-party business data
. An unintended propagation of malware
. A denial of service attack in which you
unintentionally participated
I
I
b
L
2022-10-27 SMBA Board Packet | Page 40 of 64
Data Compromise Component
The data compromise comp0nent of CyberSolutions
provides the following coverages to help you notify
and assist your clients and others following a breach of
personal information:
Response Expense Coverage
lncludes coverage for costs associated with a legal
and forensic information technology review ofthe
breach, public relations and notification to the affected
individuals. This coverage also includes services for the
affected individuals:
. A toll-free help line
. Credit monitoring
. ldentity restoration case management
Defense and Liability Coverage
Provides coverage for data compromise defense
and liability (within the policy limits) in the event that
affected individuals 0r a government entity brings an
acti0n against you. There must first be a covered loss
under the response expenses coverage before defense
and liabiiity coverage goes into effect.
ldentity Recovery Coverage
Provides expense reimbursement and case management
services caused by an identity theft for key individuals
within your organization. Covered expenses may include:
. Various legal costs
. Lost wages
. Child and elder care costs
. Mental health counseling
Learn More
Policyholders who are victims of covered identity thefts
are assigned a case manager who provides a wide range of
identity recovery services, including letter writing, phone
calls, credit report requests, follow-up and record keeping.
Claim and Legal Services
Claim services are provided by data compromise and
identity recovery claim specialists. Policyholders who
need legal defense are represented by experienced law
firms-a service that would normally be too expensive for
many business owners.
Tools and Resources Through eRiskHub’
With CyberSolutions, you’ll also receive access to
eRiskHub, an online risk management portalthat includes
tools to manage cyber security risks and resources to help
you stay informed of the latest security threats. Learn more
about eRiskHub on our website.
To learn more about www.emcins.com
CyberSolutions, contact your
local insurance agent or visit
www.emcins.com/businessins/
cybersolutions.
{
lTrustedChoice’
EMC lnsurance Companies
717 Mulberry Street
Des Moines, lA 50309
800-447-2295 . 515-280-2511
6II EI ,IE tr ,EMC ,NSURANC6
Disclaimer: The contents of this brochure are for informational purposes only and are not intended to be all-inclusive.
Refertothe issued policy for specific details regarding coverages. conditions and exclusions. ln the eveilt 0fa conflict
between the terms contained herein and the policy, the policy terms and conditions will prevail.
Visit www.emcinseom/businessins/cybersolutions
to view more information about CyberSolutions,
including real examples of how this coverage
can protectyour business or organization.
OCopyrightEmployersMutualCasualtyC0npany20l5 Atlrightsreserved.MKS265
t
2022-10-27 SMBA Board Packet | Page 41 of 64
,EMC ,NSURANCE
COMMERCIAT BILLING PLAN
EMC s billing plan offers you convenience and flexibilig
in the payment of your insurance premium.
4 Easy Ways to Pay
oin1-. \-‘
Eler:lronic tuods Trtnsf e. IEFIr
‘ Recurring automatic bank account withdrawals
‘ No monthly installmentfee
Sign up on Policyholder Access, contact your agent or visit www.emcins.com and
select Business > Payment/Billing optionsto find the EFT Authorization Form.
‘, 87 Phcne
I ‘ Pav by eCheck, credit or debit card
, Single withdrawal or payment
Call 855-404-9076 (automated payment service only)
?
9E B I Marl
‘ Pay by check, money order or cashier’s check (do not send cash)
Submit y0ur payment using the provided statement and envelope.
Allow at leastT daysforyourpaymentto reach our office.
Choose Your Amounl
‘ Full account premium
, Minimum amount due
‘ Any amount in betlveen
2 Ways to Savo Avoid monthly irrstallrnent fees by ch0osiIq 0ne 0f these paymenl fllethods
, Payyour bills with electronic funds transfer (EFT)
) Pay the account balance in full on the first invoice
lf you have questions about El\/c’s commercial Billing Plan, contact your insurance agent
Thank you for choosing EMC for your insurance n eeds.
EMG lnsurance Companios
7l7 Mulberry Street I Des Moines, tA 50309 1800-447-229S lElS.Z80-2Sll
www.emcins.com I EI I IEtr
@CopyightEmployeB MurullCasuawCoop.ny2015. A[ dCht!.esod.d_ Ml(Aii! (t l5l
0nlrne
r Pay by eCheck, credit or debit card
, Single withdrawal or payment
Visit www.emcins.com and select Make a Paymsnl.
2022-10-27 SMBA Board Packet | Page 42 of 64
An exclusive offer for
Michigon Township
Boord Members
I
Group Accidental Death and Dismemberment lnsurance
Benefit amount is selected by the township and will be paid if death or dismemberment
occurs as a result of an accidental injury.*
Accidental Death and Dismemberment Coverage (AD&D)
Refer to certificate ELP037 Ml for schedule of dismemberment benefits, which differ from
accidental death.
*Available if Actively-At-work and between the ages of 18 and 79. (coverage terminates at
age 80 or when no longer eligible, whichever occurs first.)
Coverage is Cuaronteed lssue – no health questions!
Benefits are payoble in oddition to ony other insuronce coveroge you moy hove!
JEMC
a
a
NAr’ONAL LIFE
P0 Box 9202
Oes Moines, lA flX[6-9202
800.232.5818
www.EMCNationalLrf a com
reo t/ L4 l(fr/Ltl^oG
S40 Kins HWY
Kalamaroo, Ml $048-5$I)
289-385.591 r
AGENCY wwwHartlebAgsncy.com
Product underwritten and administered by EMC National Life Company. This provides an overview only of the Croup Accidental Death and Dismemberment
lnsurance product. Please refer to and read policy form ELP036 and certificate form ELP037 Ml iarefully for all contractual provisions, benefits and
limitations.
Erc, tor tuian.d @dd ffi Rq. U.S. Pd.l Tn d.
EMK991
lncident Benefit levels avallable
Accidental Death $10,000-$50,000
Common Carrier Accidental Death Pays double the Accidental
Death Benefit Amount
ln the event of accidental death
Benefit Amount Premium
$’10,000 $48.00
$20,000 $66.00
$30,000 $84.00
$40,000 $102.00
$50,000 $120.00
Annual Premium Rates
a
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2022-10-27 SMBA Board Packet | Page 43 of 64
SMBA – FY 2023 Requested Budget Table of Contents Page 1 of 21
Southwest Michigan Building Authority
Requested Budget for Fiscal Year 2023
January 1, 2023 to December 31, 2023
Approval History
Date Approved Record of Vote
SMBA Board
Cooper Township Board
Oshtemo Township Board
Budget Timeline
Date Item Status
2022-10-27 Requested Budget Presented to SMBA Board Pending
2022-11-14 Budget Presented to Cooper Township Board Pending
2022-10-25 Budget Presented to Oshtemo Township Board Pending
2022-11-17 Budget Adopted by SMBA Board Pending
Our Mission:
To provide our customers with professional, prompt, and fiscally responsible services for building
permitting, inspections, and code enforcement.
2022-10-27 SMBA Board Packet | Page 44 of 64
SMBA – FY 2023 Requested Budget Table of Contents Page 2 of 21
Office Manager’s Letter
It is my pleasure to present for your consideration the draft budget for the 2023 fiscal year.
There are a few items of note to which I would like to bring the Board’s attention:
Salaries (569-273-70200)
In accordance with adopted policy, salary adjustments for staff cannot be calculated until the following
three items have been completed: (1) Social Security Administration Cost of Living Adjustment has been
published, (2) State of Michigan Tax Commission Inflation Rate Multiplier has been published, and (3)
employee performance evaluations have been completed and tabulated. Due to the timing of these
items, it is frequently not possible to obtain the actual salary adjustments prior to the approval of the
budget. Therefore, the numbers used in this requested budget reflect a best-guess estimate using all
available information at the time of submission. A budget amendment will be requested once the salary
adjustment recommendations are able to be finalized. It should also be noted that this will also have a
trickle-down effect on the following:
1. Payroll Taxes – FICA (569-273-71005)
2. Pension Plan (569-273-71009)
Use of Estimated Values
Certain other expenses which will be incurred by the Authority in the coming fiscal year will not be
concretely known until after the budget must be adopted. In these cases, the footnotes describe the
estimated cost or increase which is based on all available information at the time of submission, analysis
of historical trends, and input from third-party representatives. These expense items include but are not
specifically limited to:
1. Health Insurance (569-273-71002)
2. Disability / Life Insurance (569-273-71003)
3. Work Comp Insurance (569-273-71004)
4. In Lieu of Insurance (569-273-71101)
5. General Insurance (569-273-72900)
Executive Summary
The 2023 requested budget represents a net decrease in estimated revenues from the 2022 amended
budget, and a net decrease in appropriations from the 2022 amended budget. The requested budget
results in an estimated surplus of approximately $1,000. The beginning fund balance for 2023 is
projected to be $783,629. The ending fund balance is projected to be $784,588. The fund balance
meets expenses for permits which have not been completed by the close of the fiscal year and may also
be used for investments, capital improvements, etc.
Respectfully submitted,
Kyle Gibson
Office Manager
Southwest Michigan Building Authority
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SMBA – FY 2023 Requested Budget Table of Contents Page 3 of 21
Table of Contents
Office Manager’s Letter……………………………………………………………………………………………………………….. 2
Table of Contents………………………………………………………………………………………………………………………… 3
Authority Board of Directors…………………………………………………………………………………………………………. 4
Organizational Chart……………………………………………………………………………………………………………………. 4
Fund Information………………………………………………………………………………………………………………………… 5
569 – Building Authority Fund (Enterprise Fund) …………………………………………………………………………. 5
Activity (Department) Information………………………………………………………………………………………………… 5
000 – A&L, Balance Sheet Accounts …………………………………………………………………………………………… 5
272 – Revenue Accounts…………………………………………………………………………………………………………… 5
273 – Building Authority Activity (Department) …………………………………………………………………………… 5
Estimated Revenues…………………………………………………………………………………………………………………….. 6
Department 000 – Asset & Liability, Balance Sheet Accounts………………………………………………………… 6
Department 272 – Revenue Accounts………………………………………………………………………………………… 7
Total Estimated Revenues…………………………………………………………………………………………………………. 7
Estimated Appropriations…………………………………………………………………………………………………………….. 8
Department 273 – Building Authority Expense Activity ………………………………………………………………… 8
Total Estimated Appropriations………………………………………………………………………………………………..11
Net of Estimated Revenues & Estimated Appropriations…………………………………………………………………12
Summary of Fund Balance …………………………………………………………………………………………………………..12
Fund Balance Sheet (As of 10/6/2022)………………………………………………………………………………………….13
Rolling 5-Year Capital Improvement Plan………………………………………………………………………………………14
Appendices………………………………………………………………………………………………………………………………..15
Appendix 1: Draft Annual Salary Adjustment Calculator………………………………………………………………15
Appendix 2: Estimated Social Security Administration Cost of Living Adjustment Values…………………15
Appendix 3: Salary Review and Adjustment Policy………………………………………………………………………16
Document Revision History………………………………………………………………………………………………………….21
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SMBA – FY 2023 Requested Budget Table of Contents Page 4 of 21
Authority Board of Directors
Name Position Representing
Dusty Farmer Chairperson Oshtemo Township
Carol DeHaan Treasurer Cooper Township
Cheri Bell Member Oshtemo Township
Jeff Sorensen Member Cooper Township
Larry Stehouwer Citizen Member At Large Resident of Cooper Township
Organizational Chart
Participating
Local Units
Board of
Directors
Building
Official
Contracted
Inspectors
Office
Manager
Administrative
Assistant
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SMBA – FY 2023 Requested Budget Table of Contents Page 5 of 21
Fund Information
569 – Building Authority Fund (Enterprise Fund)
“The Building Authority Fund is used in counties, cities, and urban townships to account for the
operation of public facilities by a building authority board established under the authority of 1948 PA 31,
MCL 123.951 to MCL 123.965. The Michigan Department of Treasury requires this fund in those units
that establish a building authority to operate public facilities. If a building authority is established to
issue debt and construct facilities, without continuing operation, the appropriate Debt Service and
Capital Project Funds must be established rather than this fund. The cash and investments of the
Building Authority Fund are subject to the requirements of 1943 PA 20, MCL 129.91, and may be
included in a pooled cash and investment account.”
The Authority only uses this single fund due to the small size of the entity.
(Text Source: Michigan Department of Treasury Uniform Chart of Accounts for Local Units of
Government, Version 202011)
Activity (Department) Information
000 – A&L, Balance Sheet Accounts
For funds that do not need detailed activity information, the activity number can be replaced with three
zeros. The Authority has elected to use this activity number for Asset & Liability / Balance sheet
accounts that are not associated with expense activity or revenue per the Uniform Chart of Accounts.
272 – Revenue Accounts
This activity number is listed in the Uniform Chart of Accounts as “Open”, meaning that it can be used by
the local unit of government as that unit sees fit within the overall category of the activity code. The
Authority has elected to utilize this activity number to differentiate between revenue and expense
activity.
273 – Building Authority Activity (Department)
“This Activity Number is found in the General Fund of local units of government and/or in the records
maintained by a statutory building authority. Its use is mandatory for each building authority and by
each unit making payments to such an authority. It reflects rental or lease payments made by a local
unit to the authority. At the authority, it reflects administrative and operating expenditures, debt
payments, and other applicable expenditures. It may also reflect revenue, such as rental or lease
income, interest earned, etc.”
(Text Source: Michigan Department of Treasury Uniform Chart of Accounts for Local Units of
Government, Version 202011)
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SMBA – FY 2023 Requested Budget Table of Contents Page 6 of 21
Estimated Revenues
Department 000 – Asset & Liability, Balance Sheet Accounts
GL Number Description
2021
Amended
Budget
2022 Activity
Through
10/6/2022
2022
Amended
Budget
2023
Requested
Budget
2023
Requested
Amt
Change1
2023
Requested %
Change2
569-000-99999 Carryover 0 0 0 0 0 0.00
Totals for Department 000 0 0 0 0 0 0.00
1 Calculation: 2023 Requested Budget – 2022 Amended Budget 2 Calculation: (2023 Requested Budget – 2022 Amended Budget) / 2022 Amended Budget
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SMBA – FY 2023 Requested Budget Table of Contents Page 7 of 21
Department 272 – Revenue Accounts
GL Number Description
2021
Amended
Budget
2022 Activity
Through
10/6/2022
2022
Amended
Budget
2023
Requested
Budget
2023
Requested
Amt Change
2023
Requested %
Change
569-272-49100 Building Permits 285,000 151,409 200,000 210,000 10,000 5.00
569-272-49200 Electrical Permits 55,000 28,155 50,000 50,000 0 0.00
569-272-49300 Mechanical Permits 55,000 41,209 50,000 55,000 5,000 10.00
569-272-49400 Plumbing Permits 30,000 17,106 25,000 25,000 0 0.00
569-272-49500 Annual Permits 0 500 0 5,000 5,000 0.00
569-272-60701 FOIA Fees 200 278 500 500 0 0.00
Subscription FOIA Revenue 200
569-272-62600 Building Services to Others 0 0 0 0 0 0.00
569-272-62701 Building Inspections 95,000 45,880 85,000 60,000 (25,000) (29.41)
569-272-62702 Electrical Inspections 43,000 30,900 40,000 40,000 0 0.00
569-272-62703 Mechanical Inspections 46,000 35,300 45,000 45,000 0 0.00
569-272-62704 Plumbing Inspections 36,000 24,700 35,000 35,000 0 0.00
569-272-63000 Plan Review 75,000 21,862 70,000 30,000 (40,000) (57.14)
569-272-66300 Bond Forfeitures and Bond Costs 0 0 0 0 0 0.00
569-272-66500 Interest on Investments 2,000 896 1,100 1,300 200 18.18
Mercantile Checking 800
Advia CD 500
GL # FOOTNOTE TOTAL: 1,300
569-272-67300 Gain/Loss on Sale of Assets 0 0 0 0 0 0.00
569-272-67500 Miscellaneous 3,215 (381) 1,100 500 (600) (54.55)
Totals for Department 272 725,415 397,814 602,700 557,300 (45,400) (7.53)
Total Estimated Revenues
2021
Amended
Budget
2022 Activity
Through
10/6/2022
2022
Amended
Budget
2023
Requested
Budget
2023
Requested
Amt Change
2023
Requested %
Change
Totals Estimated Revenues 725,415 397,814 602,700 557,300 (45,400) (7.53)
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SMBA – FY 2023 Requested Budget Table of Contents Page 8 of 21
Estimated Appropriations
Department 273 – Building Authority Expense Activity
GL Number Description
2021
Amended
Budget
2022 Activity
Through
10/6/2022
2022
Amended
Budget
2023
Requested
Budget
2023
Requested
Amt Change
2023
Requested %
Change
569-273-70200 Salaries 162,508 137,610 181,814 194,000 12,186 6.70
Building Official (Salaried) 88,428
Office Manager (Hourly, 37 FT, Budget 40 Hrs) 57,633
Administrative Assistant (Hourly, 37 FT, Budget 40 Hrs) 47,272
Hourly Employee Overtime (Sum of 5 hours @ OT rate /
employee)
400
GL # FOOTNOTE TOTAL: 193,732
569-273-70203 Building Board of Appeals 0 0 0 0 0 0.00
569-273-70204 Board Member At Large Stipend 390 270 360 360 0 0.00
$30 * 12 360
569-273-71002 Health Insurance 43,000 45,791 51,000 54,000 3,000 5.88
Blue Cross Blue Shield (Est. 5% Increase = 4,433 / month) 54,000
569-273-71003 Disability / Life Insurance 1,885 1,731 2,160 2,350 190 8.80
Sun Life (Est. 5% Increase = $192 / month) 2,350
569-273-71004 Work Comp Insurance 2,500 1,395 2,200 2,625 425 19.32
Workers Compensation (Est. 5% Increase = $2625) 2,625
569-273-71005 Payroll Taxes – FICA 12,432 10,540 13,464 14,841 1,377 10.23
SocSec (6.2%) + Medicare (1.45%) = 7.65% of Salaries 14,841
569-273-71006 HSA 7,300 7,257 7,270 7,060 (210) (2.89)
$3500 Employer HSA Contribution per Employee 7,000
HealthEquity Admin Fees ($2.50 PAPM = $2.50 * 2 * 12 = $60) 60
GL # FOOTNOTE TOTAL: 7,060
569-273-71009 Pension Plan 15,200 11,747 14,080 15,520 1,440 10.23
4% Employer Contribution + up to 4% Employer Match = 8% of
Salaries
15,520
569-273-71101 In Lieu of Insurance 3,390 4,167 5,420 5,565 145 2.68
Office Manager (Est. 5% Increase = $5565 5,565
569-273-71102 Clothing Allowance 1,500 264 1,500 1,500 0 0.00
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SMBA – FY 2023 Requested Budget Table of Contents Page 9 of 21
GL Number Description
2021
Amended
Budget
2022 Activity
Through
10/6/2022
2022
Amended
Budget
2023
Requested
Budget
2023
Requested
Amt Change
2023
Requested %
Change
$500 Per Employee 1,500
569-273-71103 Education / Membership Dues 4,000 3,535 4,000 4,000 0 0.00
Metro Building Inspectors Association Membership 130
Code Officials Conference of Michigan (COCM) Membership,
Spring + Fall Conference
515
Home Builders Association of SW MI (HBA) Dues 615
Treasurer’s Bond 150
SHRM Annual Membership – Kyle Gibson 219
MADCAD Code Library Access through NMCOA 900
Outreach 1,000
GL # FOOTNOTE TOTAL: 3,529
569-273-72700 Supplies 4,500 2,056 4,500 4,000 (500) (11.11)
569-273-72800 Postage / Shipping 3,100 2,303 2,750 2,000 (750) (27.27)
Postage for Expired Permit Notices, Checks, General
Correspondence
2,000
569-273-72900 General Insurance 9,000 8,818 9,400 9,400 0 0.00
General Liability 950
Umbrella 1,300
Linebacker 3,000
CyberSolutions 1,000
Inland Marine 400
Business Auto 2,300
Govt. Crime / Fidelity ISO Package 130
GL # FOOTNOTE TOTAL: 9,080
569-273-80100 Building Inspector 10,000 7,800 10,000 8,000 (2,000) (20.00)
Back-up for Building Official ($50 * 20 PTO Days * 8
Inspections/Day).
8,000
569-273-80200 Electrical Inspector 46,000 32,200 40,000 40,000 0 0.00
569-273-80300 Mechanical Inspector 45,000 32,650 45,000 40,000 (5,000) (11.11)
569-273-80400 Plumbing Inspector 35,000 22,100 35,000 30,000 (5,000) (14.29)
569-273-80500 Plan Review 62,000 24,952 70,000 30,000 (40,000) (57.14)
569-273-80600 Consultants 0 0 0 0 0 0.00
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SMBA – FY 2023 Requested Budget Table of Contents Page 10 of 21
GL Number Description
2021
Amended
Budget
2022 Activity
Through
10/6/2022
2022
Amended
Budget
2023
Requested
Budget
2023
Requested
Amt Change
2023
Requested %
Change
569-273-80700 Accounting / Audit Fees 13,000 7,265 10,500 10,500 0 0.00
Siegfried Crandall Audit 2,500
SeberTans Audit 3,000
Siegfried Crandall Accounting Support 5,000
GL # FOOTNOTE TOTAL: 10,500
569-273-80800 Legal Fees 6,100 9,140 7,000 7,000 0 0.00
569-273-80900 IT / Infrastructure 22,600 35,259 35,993 28,000 (7,993) (22.21)
Aunalytics (Approx $2,210 / month) 26,520
Hotspot ($51 / month) 612
Web Hosting (Annual) 300
Elementor Pro Website Plugin (Annual) 100
GL # FOOTNOTE TOTAL: 27,532
569-273-80901 IT / Software 15,771 5,217 15,000 8,900 (6,100) (40.67)
BS&A Software (AP, CR, GL, PR, BD) (Estimate 5% Increase) 5,625
Adobe Acrobat Pro (2 * 203.88 / license) 408
HelloSign (Annual) 180
Trello Premium (Annual) ($120 * 3 Users) 360
Zapier Professional (Annual) ($49 * 12 Months) 588
Cognito Forms (Monthly) (Est. $139 * 12 Months) 1,668
GL # FOOTNOTE TOTAL: 8,829
569-273-80902 IT / Support 600 185 500 500 0 0.00
569-273-85000 Telephone 6,500 2,767 4,260 3,600 (660) (15.49)
Cell Phone Reimbursement (Building Official, Office Manager,
Administrative Assistant (50*3*12))
1,800
Telnet (Approximately $150 / month) 1,800
GL # FOOTNOTE TOTAL: 3,600
569-273-86000 Vehicle Gas / Maintenance 3,500 2,438 3,500 3,500 0 0.00
Car Wash Subscription ($29.99 / Month) 360
Gas (Approximately $260 / Month) 3,120
GL # FOOTNOTE TOTAL: 3,480
569-273-86100 Mileage 500 427 500 500 0 0.00
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SMBA – FY 2023 Requested Budget Table of Contents Page 11 of 21
GL Number Description
2021
Amended
Budget
2022 Activity
Through
10/6/2022
2022
Amended
Budget
2023
Requested
Budget
2023
Requested
Amt Change
2023
Requested %
Change
569-273-94000 Facility Rent 21,000 22,000 22,000 22,000 0 0.00
$5,500 / Quarter 22,000
569-273-95500 Miscellaneous 13 (117) 0 500 500 0.00
569-273-95600 Equipment / Maintenance 2,100 1,671 2,000 2,400 400 20.00
Ricoh Contracts (Approx $200 / month) 2,400
569-273-96401 Refund of Overpayment 0 0 0 0 0 0.00
569-273-96500 Bank Service Charges 660 461 660 720 60 9.09
Approximately $60 / month 720
569-273-96800 Depreciation Expense 0 0 0 0 0 0.00
569-273-97100 Capital Outlay 22,000 13,676 17,650 3,000 (14,650) (83.00)
569-273-97200 Capital Outlay – Vehicle 0 0 0 0 0 0.00
569-273-99300 Interest/Penalty IRS/State Withholdings 0 0 0 0 0 0.00
Totals for Department 273 583,049 464,543 619,481 556,341 (63,140) (10.19)
Total Estimated Appropriations
2021
Amended
Budget
2022 Activity
Through
10/6/2022
2022
Amended
Budget
2023
Requested
Budget
2023
Requested
Amt Change
2023
Requested %
Change
Total Estimated Appropriations 583,049 464,543 619,481 556,341 (63,140) (10.19)
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SMBA – FY 2023 Requested Budget Table of Contents Page 12 of 21
Net of Estimated Revenues & Estimated Appropriations
2021
Amended
Budget
2022 Activity
Through
10/6/2022
2022
Amended
Budget
2023
Requested
Budget
2023
Requested
Amt Change
2023
Requested %
Change
Totals Estimated Revenues 725,415 397,814 602,700 557,300 (45,400) (7.53)
Total Estimated Appropriations 583,049 464,543 619,481 556,341 (63,140) (10.19)
Net of Revenues / Appropriations 142,366 (58,085) (16,781) 959 17,740 (105.71)
Summary of Fund Balance
2021
Amended
Budget
2022 Activity
Through
10/6/2022
2022
Amended
Budget
2023
Requested
Budget
2023
Requested
Amt Change
2023
Requested %
Change
Beginning Fund Balance 711,362 841,714 841,714 783,629 (58,085) (6.90)
Ending Fund Balance 853,728 783,629 824,933 784,588 (40,345) (4.89)
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SMBA – FY 2023 Requested Budget Table of Contents Page 13 of 21
Fund Balance Sheet (As of 10/6/2022)
GL Number Description Balance
Assets
569-000-00100 Cash – Checking 613,813.39
569-000-00200 Cash – Savings 5.00
569-000-00300 Cash – Certificates of Deposit 153,433.68
569-000-00400 Cash – Imprest / Petty 250.00
569-000-01800 Building Receivable 0.00
569-000-12300 Prepaids 0.00
569-000-14700 Accumulated Depreciation (35,114.44)
569-000-14799 Capital Assets Equipment 72,460.85
Total Assets 804,848.48
Liabilities
569-000-20200 Accounts Payable 1,750.00
569-000-22800 Due to State of Michigan 305.17
569-000-22900 Due to Federal Government 0.00
569-000-23700 Due to Pension Plan 0.00
569-000-23800 Due to HSA 0.00
569-000-25700 Accrued Payroll 3,636.90
569-000-26500 Performance Bonds 17,000.00
569-000-26900 Garnishments Payable 0.00
Total Liabilities 22,692.07
Fund Balance
569-000-39000 Fund Balance 841,714.26
Beginning Fund Balance 841,714.26
Net of Revenues VS Expenditures (59,557.85)
Ending Fund Balance 782,156.41
Total Liabilities and Fund Balance 804,848.48
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SMBA – FY 2023 Requested Budget Table of Contents Page 14 of 21
Rolling 5-Year Capital Improvement Plan
Item Description Funding GL FY 2023 FY 2024 FY 2025 FY 2026 FY 2027 Total
Vehicle Replacement 569-273-97200 40,000 40,000
Replace Computers 569-273-97100 5,000 5,000
Replace Computer Monitors3 569-273-97100 3,000 3,000
Replace Inspector Tablets4 569-273-97100 7,000 7,000
Totals 3,000 7,000 45,000 0 0 55,000
3 (6) Dell 27” Monitors, Model No. P2722H, Estimated Cost $400 Each, Total includes contingency for price fluctuations and shipping costs. 4 (4) Dell Latitude Laptop, Model TBD, Estimated Cost $1,500 Each, Total includes contingency for price fluctuations and shipping costs.
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SMBA – FY 2023 Requested Budget Table of Contents Page 15 of 21
Appendices
Appendix 1: Draft Annual Salary Adjustment Calculator
Appendix 2: Estimated Social Security Administration Cost of Living Adjustment Values
The following sources were used to inform the estimated 8.7% COLA used in the draft salary adjustments:
– https://www.fool.com/investing/2022/10/03/social-security-2023-cola-comes-with-silver-lining/
– https://finance.yahoo.com/news/social-security-cola-smallest-amount-110054641.html
– https://www.cnbc.com/2022/09/13/inflation-may-spur-record-high-social-security-cost-of-living-adjustment.html
Employee Type Pay Current Wage COLA (8.70%) P. R. Data Merit % Merit Raise Other Raise New Wage Annual (37h) Annual (40h)
Garrett Reitenour Exempt Salary $ 79,880.47 $ 6,949.60 5 2.00% 1,597.61 $ $ – $ 88,427.68 $ 88,427.68 $ 88,427.68
Kyle Gibson Non-Exempt Hourly $ 25.03 $ 2.18 5 2.00% 0.50 $ $ – $ 27.71 $ 53,310.60 $ 57,633.08
Elvira Oropeza Non-Exempt Hourly $ 20.53 $ 1.79 5 2.00% 0.41 $ $ – $ 22.73 $ 43,726.19 $ 47,271.56
$ 185,464.47 $ 193,332.31
SMBA Staff Annual Salary Adjustment Recommendations
Prepared for fiscal year 2023
These numbers are speculative and will be revised follwing the completion of performance reviews and the publishing of the Social
Security Administration’s cost of living adjustment and the Michigan State Tax Commission’s inflation rate multiplier.
Totals:
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Appendix 3: Salary Review and Adjustment Policy
This page intentionally blank. The next pages show the Salary Review and Adjustment Policy adopted by
the SMBA Board of Directors on December 10, 2020.
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Document Revision History
Date Description of Change(s)
2022-10-06 Initial commit.
2022-10-07 1. Added Document Revision History section.
2. Update to appendix 1 and corresponding expense GL numbers (listed below).
The starting values used in the draft salary adjustments were from 2021 instead
of 2022.
a. 569-273-70203 (Salaries)
b. 569-273-71005 (Payroll Taxes – FICA)
c. 569-273-71009 (Pension Plan)
3. Reduced Capital Outlay expense account (569-273-97100) from $5,000 to
$3,000 to match the Capital Improvement Plan.
4. Increased Building Permit revenue account (569-272-49200) from $200,000 to
$210,000 to account for current 2022 YTD projections.
5. Increased Mechanical Permit revenue account (569-272-49300) from $50,000
to $55,000 to account for current 2022 YTD projections.
6. Updated totals to reflect changes.
7. Updated executive summary to reflect changes.
8. Corrected automatic calculations from GL for Amount Changed and % Changed
columns; values were the inverse of actual.
2022-10-07.1 Updated budget timeline on cover page.
2022-10-10 Inserted appendix 3.
2022-10-12 1. Added footnote for HealthEquity HSA administration fees.
2. Increased HSA expense account (569-273-71006) from $7,000 to $7,060 to
account for new HSA administration fees.
3. Updated totals to reflect changes.
4. Updated executive summary to reflect changes.
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