Representative Town Meeting Budget and Special Meeting - DAY 2 (linked)

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TOWN OF wATERFORD
GENERAL FUND
2023 - 2024 PROPOSED BUDGET
DEPT/AGENCY:
10112
INSURANCE
677,919
698,805
718,436
52200 WORKERS! COMPENSATION 384,494 19,631 2.81%
LIABILITY/AUTO/PROPERTY (LAP) 496,149] __513,678 472,148 760,738 247,060 48.10%
UNEMPLOYMENT COMPENSATION 9,280 10,000 10,484 10,000 0 0.00%
DEDUCTIBLE COVERAGE 14,071 20,000 2,082 20,000 0 0.00%
HEALTHCARE 3,458,563| _ 3,460,000 268,723| __3,569,431 109,431 3.16%
LONG TERM DISABILITY 2,899] 4,038 1,831 5,052 1,014 25.11%
LIFE INSURANCE 22,151 11,743 22,200 49 0.22%
ee 72 5,105,857 | 377,185 | 7.98%
DEPARTMENT TOTAL 
_377,185| 7.98%

Pan
FY 2024 BUDG ETREQUEST
DEPARTMENT: INSURANCE (10112) _
BUDGET FUNCTION
The Town of Waterford is responsible for providing a variety of insurance coverage for both its
employees and town departments.
Health Insurance
Workers’ Compensation
Liability (includes Auto & Property)
Life Insurance
Unemployment
Long Term Disability

a
FY2024 BUDGET REQUEST
_DEPARTMENT: INSURANCE (10112) _
BUDGET SUMMARY
FY 2023-2024
The insurance budget for fiscal year 2023-2024 represents an increase of $377,185 (7.98%) over
the prior year.
In the Spring of 2022, the Town went out to bid in the open market for the FY2023 policies as
an opportunity to review overall coverages and premium costs. The bid resulted in the town
moving to all liability, property and workers’ compensation policies to Travelers.

TOWN OF WATERFORD
FY2024 BUDGET REQUEST |
DEPARTMENT: INSURANCE (10112)
ADDITIONAL MEDICAL INSURANCE
INFORMATION
The Town of Waterford has a Self-Funded plan for its employee health benefits. This is a type
of plan in which an employer takes on most or all of the cost of benefit claims. The insurance
company manages the payments, but the employer is the one who pays the claims. The
proposed budget is an estimate of what our annual medical claims will be.
The Town also purchases Stop-loss insurance (also known as excess insurance). This insurance
is a product that provides protection against catastrophic or unpredictable losses. It is
purchased by the town to lessen the liability for large losses arising under our self-funded plan.
Under a stop-loss policy, the insurance company becomes liable for losses that exceed certain
limits called deductibles. The Town’s stop/loss is $175,000 per individual.
Our proposed FY24 Healthcare budget also includes a Risk Corridor amount. We define risk
corridors as the risk or possibility of our projected claims being higher than projected. We budget 25.5%
of the anticipated claims to act as our insurance policy to offset any possible risk of the claims coming in
higher than anticipated.

an,
TOWN OF WATERFORD
INSURANCE BUDGET SUMMARY
2023 - 2024
DOLLAR PERCENT
LINE FY 2017 FY2018 FY2019 FY2020 FY2021 FY2022 FY2023 FY 2023 FY2024 INCREASE/ INCREASE/
ITEM COVERAGE ACTUAL ACUTAL ACTUAL ACTUAL ACTUAL ACTUAL | BUDGETED | PROJECTED | PROPOSED | (DECREASE) | (DECREASE}
52200 | WORKERS' COMPENSATION 635,104 704,517 695,402 713,648 657,530 677,919 698,806 698,806 718,436 19,630 2.81%
52201 |LIABILITY/AUTO/PROPERTY 488,402 457,590 427,302 411,011 406,751 496,149 513,678 913,678 760,738 247,061 48.10%
UNEMPLOYMENT
52240 |COMPENSATION _ 27,555 7,821 1,077 43,498 34,265 9,280 10,000 5,000 10,000 - 0.00%
52250 |DEDUCTIBLE COVERAGE 41,212 39,655 26,671 48,865 4,000 14,071 20,000 20,000 20,000 - 0.00%
52251 {HEALTHCARE 3,172,323 | 3,205,084 | 3,417,542 | 3,410,686 | 3,398,170 | 3,458,563 3,460,000 | 3,460,000 | 3,569,431 109,431 3.16% -
52252 |LONG TERM DISBILIVT 2,412 3,494 2,951 2,440 2,911 2,899 4,038 4,949 5,052 1,014 25.11%
52253 [LIFE INSURANCE 16,321 18,811 19,866 19,736 20,444 20,294 22,151 20,222 22,200 49 0.22%
TOTALS] 4,383,329 | 4,436,972 | 4,590,811 | 4,649,883 | 4,524,071 | 4,679,175 4,728,673 | 4,722,655 | 5,105,857 377,184 7.98%

(~ Oo’ )
TOWN OF WATERFORD
WORKERS' COMPENSATION BUDGET SUMMARY
2023-20234
| py 207 | Fyzo18 | Fyz019 | Fy2020 | Fy2021 | FY2022 | FY2023 | FY2024 | INCREASE/ | INCREASE/
coverage ~=—~S—~S cua | acutat | actual | actual | ACTUAL | ACTUAL | BUDGETED | PROPSOED | (DECREASE) | (DECREASE)
PREMIUM ! 638,565| 693,728] 693,696 | 672,889 | _672,830| _693,016| _—713,806 | 733,435.82 19,630 | 2.75%
PAYROLL AUDIT? 13,053| - 30,144] 31,362] _55,249 - - : : - 0.00%
CREDITS - POLICE OUTSIDE
SERVICES/MISCELLANEOUS ° (16,514)! (19,355)| __(29,656)| __(14,490)| __(15,300)} _(15,097)|___—(15,000)|__(45,000)
: ~ TOTALS| ~— 704,517| 695,402 | 713,648 | 657,530| _677,919 | _698,806 | _718,436
1 Fv23 was the first year with Travelers. Premium increases generally follow payroll salary increases. The average union contract increase is 2.75%.
? No longer a separate fee for this annual audit.
3 Vendor reimbursement from Police special duty jobs. Credit is based on FY22.

TOWN OF WATERFORD
LIABILITY, AUTO, PROPERTY
2023-2024
. DOLLAR PERCENT .
. FY 2017 FY2018 FY2019 FY2020 FY2021 FY 2022 FY 2023 FY 2024 INCREASE/ | . INCREASE/
-COVERAGE ACTUAL | ACUTAL | ACTUAL | ACTUAL | ACTUAL ACTUAL BUDGETED PROPOSED | (DECREASE) | (DECREASE)
LIABILITY/AUTO/PROPERTY
'LAP) PREMIUM * 404,392 | 421,676] 394,898| 367,559] 360,639 371,282 386,096 643,094 256,997 66.56%
FLOOD INSURANCE - PUMP
STATIONS * 51,193 - - - #DIV/O!
TAX COLLECTOR BOND 572 572 572 572 572 572 572 572 - 0.00%
TREASURER BOND 1,070 1,070 1,070 1,070 1,070 1,070 1,070 1,070 - 0.00%
MACHINERY? 6,921 5,852 6,013 14,212 15,003 14,747 15,189 14,424 (765) -5.04%
VACANT PROPERTY 1,867 1,948 682 737 763 803 827 | 878 50 6.10%
CRIME 1,654 1,612 1,612 4,032 4,444 4,444 4,577 4,828 251 5.48%
POLLUTION (UST) 4,552 1,839 1,504 1,951 2,031 1,975 2,034 1,819 (215)} -10.58%
RISK MANAGEMENT ADVISOR 21,000 21,000 21,000 21,000 21,000 21,000 21,630 21,000 (630) -2.91%
ADDITIONAL ENDORSEMENTS
fESTIMATE) 3,517 2,550 537 238 3,641 3,000 3,090 3,100 10 0.32%
CYBER SECURITY 77,273 79,591 69,954 (9,637)| -12.11%
PRIOR YEAR CREDITS (5,336) (529) (586) (360) (2,412) (17) (1,000) - 1,000] -100.00%
TOTALS} 488,402 | 457,590.| 427,302} 411,011 | 406,751 496,149 513,678 760,738 247,061 48.10%
' FY23 was first year with Travelers. Industry increases expected to be above 10%. Budget was prepared using an increase of 8%. Will be revised as we get more claim data for
our May renewal.
* Flood Insurance costs moved to the Utility Commission in FY2018.

TOWN OF WATERFORD
UNEMPLOYMENT COMPENSATION
2023-2024
DOLLAR PERCENT
FY 2017 FY2018 FY2019 FY2020 FY2021 FY2022 FY 2023 FY 2024 | INCREASE/ INCREASE/
COVERAGE ACTUAL ACUTAL ACTUAL ACTUAL ACTUAL ACTUAL BUDGET | PROPOSED} (DECREASE) | (DECREASE).
UNEMPLOYMENT
COMPENSATION * 27,555 7,821 | 1,077 43,498 34,265 9,280 10,000 10,000 - -
TOTALS 27,555 7,821 1,077 43,498 34,265 9,280 10,000 10,000 - -
Three-Year Average
3 Proposed budget includes an established funding level to reflect the last several year’s downward trend.
Note that the Town pays directly for the unemployment benefits paid to former employees; therefore, expenditures can vary significantly from year to year.

oo ——
TOWN OF WATERFORD
LONG-TERM DISABILITY
2023-2024
DOLLAR PERCENT
FY 2017 FY2018 FY2019 FY2020 FY2021 FY2022 FY2023 FY2024 INCREASE/ INCREASE/
COVERAGE ACTUAL ACUTAL ACTUAL ACTUAL ACTUAL ACTUAL | BUDGETED | PROPOSED | (DECREASE) | (DECREASE)
LONG-TERM DISABILITY 2,412 3,494 2,951 2,440 2,911 2,899 4,038 5,052 1,014 25.11%
TOTALS 2,412 3,494 2,951 2,440 2,911 2,899 4,038 5,052 1,014 25.11%
In accordance with the collective bargaining agreement between the Town of Waterford and the General Government Administrators, the Town shall provide up to 50%
of the cost of long-term disability insurance, with the remaining 50% being the responsibility of the employee. The Town's 50% match is capped to a premium liability of
not more than $250 per month. The Town currently has 21 eligible employees with a maximum of $3000.

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TOWN OF WATERFORD
LIFE INSURANCE
2023-2024
DOLLAR PERCENT
FY 2017 FY2018 FY2019 FY2020 FY2021 FY2022 FY2023 ~FY2024 INCREASE/ INCREASE/
COVERAGE ACTUAL ACUTAL ACTUAL ACTUAL ACTUAL ACTUAL | BUDGETED | PROPOSED (DECREASE) | (DECREASE)
LIFE INSURANCE 16,321 18,811 19,886 19,736 20,444 20,294 22,151, 22,200 49 0.22%
TOTALS 16,321 18,811 19,886 19,736 20,444 20,294 22,151 22,200 49 0.22%
All full-time employees of the Town of Waterford are eligible for a group term life insurance based on their collective bargaining agreement. In addition, all employees
(except members of 1301) are eligible for accidental death and dismemberment. The level of benefit follow.
Presently, there are 184 employees covered under the plan, 105 have additional coverage for accidental death/disability. Life insurance is at a rate of $.12 per $1,000 of
benefit and accidental death/disability coverage is at $.02 per $1,000 of benefit.

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TOWN
OF
WATERFORD
ITEM
“
DESCRIPTION
TOWN
BD
OF
ED
TOTAL
NOTES
Projected
percent
of
expenditures
34.83%
65.17%
100.00%
1
_|Expected
paid
claims
for
contract
period
@100%
S
3,522,470
|
S
6,590,851
|S
10,113,321
|Projection
THRU
NOV
22
2
|Administrative
Fees/Network
Access
Fees
S
80,177
|
S
150,017
|
S
230,194
|Projection
FY
24
3
{Stop
Loss
S
1,509,577
|S
2,824,553
|S
4,334,130
Projection
FY
24
Estimated Stop Loss Excess S -|5$ -{$ — -
4
{PCORI
S..
1,355
1S
2,536
|S
3,891
5
_|TOTAL
2022-23
PROJECTED
EXPENDITURES
$5,113,579
$9,567,957
$14,681,536
Premiums to be collected from COBRA and "Other"
6
{participants
S
188,682
|
S
314,405
|
$
503,087
|from
HR
7
{Employee
Premium
Shares
S
528,723
|S
1,462,623
|$
1,991,346
|from
HR
and
BOE
finance
8
{Due
From
Sewer
Enterprise
Fund
S
345,351
n/a
S
345,351
|from
HR
matches retirement
9
|Due
From
Town
Retirement
Budget
S
393,793
n/a
Ss
393,793
|budget
#
10
|Due
From
Employer
Share
Food
Service
n/a
S
99,218
|S
99,218
|from
BOE
finance
11
|Due
From
Employee
Share
Food
Service
n/a
S
22,765
|S
22,765
|from
BOE
finance
12
|Due
from
Teachers’
Retirement
n/a
S
121,960
|S
121,960
|from
TRB
2021
13
[Projected
Investment
Earnings/Miscelaneous
S
2,500
|
S
2,500
|
S
5,000
(O
16
|TOTAL
PROJECTED
FUNDING
OFFSETS
S
1,459,049
|
$
2,023,471
|S
3,482,520
\
Se
17
Total
Expenditures
$3,654,530
$7,544,486
|
$11,199,016
FUND
BALANCE
PROJECTION
18
|Fund
Balance
as
of
06/30/2022
S$
2,112,623
|
$
3,952,903
|$
6,065,526
[From
Town
Finance
CURRENT
YEAR
ESTIMATED
19
{Amoritzation
of
Fund
Balance
FY
2022
($87,075)
($162,925}
($250,000)|2023
20
|ESTIMATED
Fund
Balance
as
of
06/30/2023
$
2,025,548
|
$
3,789,978
|S
5,815,526
21
[Risk
Corridor
@
25.5%
of
Line
1
S
898,230
15
1,680,667
|S
2,578,897
22
|Fund
balance
over
Risk
Corridor
S
1,127,318
|
$
2,109,311
|S
3,236,629
Amortization
of
Fund
balance
over/(under)
Risk
23
|Corridor
(Line
22
above)
375,773
703,104
1,078,877
24
|Total
Funding
Offsets
and
Funding
Requirement
3,278,757
6,841,382
10,120,139
25
|Transfer
to
Healthcare
Fund
(Line
15
-
Line
19)
S$
3,278,757
|
S
6,841,382
|
$
10,120,139
Per estimate provided by
26
|Payments
in
Lieu
of
Insurance
Ss
21,000
|
$
13,700
|
$
34,700
|Karen
28
|HSA
Contribution
S
254,000
|
$
599,742
|S
853,742
|Karen
and
Christine
29 |Health Insurance Appropriation-2023-2024 S$ 3,569,431] $ 7,484,151 |$ 11,053,581
ve
30
|Appropriated
2022-2023
Budget
§
3,460,000|S
6,742,222
;
$10,202,222
31
|Increase/(Decrease)
109,431
741,929
851,359
“|
32
|Percent
Increase/Decrease
3.16%
11.00%
8.34%
10

f ins’ \e \
Actual Expenditures .
_FY-2023 | Wk.Comp | Vendor | Net | LAP =| Unemp. | Deductable; | Long-term | life |
Month | Premium | Reimb. | Premium | Insurance | Comp. | Coverage | Healthcare | Disability | Insurance | Total
Jul-22 $501.00 ($527.93) ($26.93) $0.00 $0.00 50.00 $165,049.25 $289.07 | $1,685.18 $166,996.57
Aug-22] $129,831.68 ($793.26)| $129,038.42 | $400,036.77 $0.00 $1,000.00 $2,031.42 $256.60 | $1,680.38 $534,043.59
Sep-22| $129,828.48 ($1,275.90)| $128,552.58 $35,652.36 $0.00 $0.00 $2,409.83 $240.54 | $1,680.30 $168,535.61
Oct-22 $0.00 ($164.61) ($164.61) 50.00 $0.00 50.00 $365.46 | $1,638.30 $1,839.15
Nov-22 $0.00 $0.00
Dec-22 50.00 $0.00
Jan-23 $0.00 $0.00
Feb-23 $0.00 $0.00
Mar-23 $0.00 $0.00
Apr-23 $0.00 $0.00
May-23 $0.00 $0.00
Jun-23 $0.00 . $0.00
$260,161.16 | ($2,761.70)| $257,399.46 | $435,689.13 | ~ §0.00 |. $1,000.00 | $169,490.50]. $1,151.67. $6,684.16. $871,414.92
_FY-2022 | Wk.Comp | Vendor | = Net =| LAP | Unemp. | Deductable| ==—(||_—- Long-term | Life oO
Month | Premium | Reimb. | Premium | Insurance | Comp. | Coverage | Healthcare | Disability | Insurance | Total
Jul-21 $0.00 ($1,364.64)| ($1,364.64)} $118,267.00 $0.00 $0.00 $167,178.83 $249.83 | $1,708.20 $286,039.22
Aug-21| $173,254.40 ($2,180.53) $171,073.87 $93,712.75 $0.00 $0.00 $1,486.37 $249.93 | $1,675.40 $268,198.32
Sep-21 50.00 ($2,484.43)| ($2,484.43) $0.00 $0.00 $0.00 $3,130.82 $249.93 | $1,675.40 $2,571.72
Oct-21) $173,253.76 ($1,976.66)} $171,277.10 $95,854.75 50.00 $8,914.50 ($396.40) $249.93 |] $1,689.80 $277,589.68
Nov-21 $0.00 ($1,621.63)} ($1,621.63) $26.00 $0.00 $1,085.50 $2,173.62 $249.93 | $1,689.80 $3,603.22
Dec-21] $173,253.76 (S874.01)| $172,379.75 $93,712.75 $0.00 $40,00 $979.05 $236.99 | $1,653.00 $269,001.54
Jan-22 $0.00 ($175.35) ($175.35) ($161.00) $0.00 $0.00 | $3,260,181.38 $226.03 | $1,671.80 | $3,261,742.86
Feb-22 $0.00 ($334.47) ($334.47) $0.00 | $2,837.86 $45.32 $2,166.66 $258.87 | $1,704.60 $6,678.84
Mar-22 $0.00 ($700.66) (S700.66) $0.00 | $2,333.00 $2,485.00 $2,659.83 $262.66 | $1,727.80 $8,767.63
Apr-22) $173,256.76 (S663.88)| $172,592.88 $94,641.75 | $4,086.73 $1,000.00 ($117.59) $247.18 | $1,689.68 $274,140.63
May-22 $0.00 ($1,098.17)| ($1,098.17) $0.00 $22.30 $0.00 $5,673.59 $238.78 | $1,704.98 $6,541.48
Jun-22 $0.00] ($1,625.40)| ($1,625.40) $95.00 $0.00 $500.00 $13,446.84 $179.08 | $1,703.98 $14,299.50
$693,018.68 | ($15,099.83)) $677,918.85" $496,149.00 | $9,279.89 | $14,070.32 | $3,458,563.00.| ~~ $2,399.14 $20,294.44 | $4,679,174.64
11

< ‘
Insu
e
Actual Expenditures
-FY-2021 | Wk.Comp | Vendor | Net | — LAP. Unemp. | Deductable| | Long-term life | |
“Month | Premium | Reimb. | Premium | Insurance | Comp. | Coverage | Healthcare. Disability | Insurance Total
Jul-20} $168,207.98 ($711.57)| $167,496.41 | $179,213.61 $0.00 $0.00 $243,800.25 $249.87 | $3,365.44 $594,125.58
Aug-20 $0.00 ($1,716.54)| ($1,716.54) $0.00 | $13,799.00 $0.00 $1,056.25 $249.87 $0.00 $13,388.58
Sep-20] $168,207.34 ($1,551.00)| $166,656.34 | $89,101.84 $0.00 $0.00 $4,993.17 $249.87 | $3,372.64 $264,373.86
Oct-20 $0.00 ($1,953.66) ($1,953.66) $2,542.00 | $1,314.00 $0.00 $4,143.98 $786.58 | $1,703.12 $8,536.02
Nov-20 $0.00 | ($1,107.97)} ($1,107.97) $0.00 $0.00 $0.00 $1,614.75 ($286.84) $0.00. $219.94
Dec-20] $168,207.34 ($1,023.54)| $167,183.80 $89,101.84 $0.00 $0.00 $28,655.22 $249.87 | $1,771.32 $286,962.05
Jan-21 $0.00 ($94.19) ($94.19) $655.00 | $2,037.92 $0.00 $2,529.66 $249.87 $3,427.44 $8,805.70
_ Feb-21 $0.00 ($371.92) ($371.92) $572.00 | $6,510.45 $0.00 | $2,883,320.96 $249.87 | $1,676.52 | $2,891,957.88
‘Mar-21 $0.00 ($648.22) ($648.22)} $89,101.84 | $5,309.82 $0.00 $1,883.96 $249.87 | $1,709.32 $97,606.59
Apr-21] $168,207.34 ($941.15)] $167,266.19 $1,135.22 $920.50 $0.00 $1,595.84 $212.07 | $1,709.32 $172,839.14
May-21 $0.00 | ($1,999.03)| ($1,999.03) $3,641.00 | $1,705.88 $2,000.00 $5,420.05 $229.21 | $1,709.32 $12,706.43
Jun-21 $0.00 | ($3,181.57)| ($3,181.57)| ($48,313.50)}| $2,667.82 $2,000.00 $219,155.91 $220.64 $0.00 $172,549.30
$672,830.00 | ($15,300.36)| $657,529.64 | $406,750.85 | $34,265.39 | $4,000.00 | $3,398,170.00 |. $2,910.75 | $20,444.44 | $4;524,071.07°
-FY-2020 |. Wk.Comp | Vendor ||: Net | LAP. Unemp. | Deductable | - Long-term |. Life
Month | Premium | Reimb. | Premium | Insurance Comp. Coverage | Healthcare | Disability | Insurance Total
Jul-19} $168,222.96 $1,399.45 | $166,823.51 | $130,575.38 $0.00 $0.00 $220,469.84 $212.24 | $3,295.64 $521,376.61
Aug-19 $0.00} $3,061.06 | ($3,061.06) $26.00 $0.00 | $1,000.00 |. ($5.63) $242.54 | $1,652.62 ($145.53)
Sep-19] $168,221.88 $847.85 | $167,374.03 $90,794.42 $0.00 $1,000.00 ($653.28) ($242.56)| $1,638.22 $259,910.83
Oct-19 $0.00 $2,511.00 ($2,511.00) ($74.00) $0.00 $3,000.00 $7,493.17 $226.26 | $1,653.52 $9,787.95
Nov-19 $0.00 $1,018.51 ($1,018.51)| $98,843.42 $0.00 | $13,008.75 $5,967.69 $271.25 | $1,670.32 $118,742.92
Dec-19] $168,221.68 $579.37 | $167,642.31 $0.00 $0.00 | ($1,135.00)| $3,144,745.47 $736.94 | $1,633.32 | $3,313,623.04
Jan-20 $0.00 $504.15 ($504.15) $2,076.00 | $2,516.81 | $10,000.00 $10,823.29 ($245.16)| $1,614.52 $26,281.31
Feb-20 $0.00 $581.31 ($581.31) $0.00 | $3,360.00 $0.00 $1,583.33 $246.25 | $1,647.32 $6,255.59
Mar-20| $168,221.68 $406.73 | $167,814.95 $88,843.42 | $2,741.00 ($757.50) $1,271.41 $246.25 | $1,638.72 $261,798.25
Apr-20 $0.00 $758.68 ($758.68) (S286.00)| $2,900.00 | $21,748.75 $9,767.47 $246.25 | $1,633.92 $35,251.71
May-20| $55,249.00 $1,094.82 | $54,154.18 $0.00 $0.00 $1,230.36 $204.93 | $1,657.72 $57,247.19
Jun-20 $0.00 $1,726.22 ($1,726.22) $212.00 $31,980.25 $1,000.00 $7,992.71 $294.81 $39,753.55
$728,137.20 | $14,489.15 | $713,648.05 | $411,010.64 | $43,498.06 | $48,865.00 | $3,410,685.83 |. $2,440.00 | $19,735.84 | $4,649,883.42
12

Ins”
Actual Expenditures
‘FY-2019 | Wk.Comp | Vendor | Net | LAP | Unemp. | Deductable{ =| Long-term | Life [oo
Month | Premium | Reimb. | Premium | Insurance | Comp. Coverage | Healthcare | Disability | Insurance | _ Total :
Jul-18} $173,424.00 $2,286.59 | $171,137.41 | $128,470.01 $0.00 5340.00 $119,153.00 $250.26 $3,300.80 $422,651.48
Aug-18 $0.00 $2,873.51 ($2,873.51) ($586.00) $0.00 $1,000.00 5666.69 5227.00 $1,662.28 $96.46
Sep-18] $173,424.00 $2,582.89 | $170,841.11 $98,575.25 $0.00 $1,051.20 $0.00 $218.57 $1,653.08 $272,339.21
Oct-18 $0.00 53,360.60 ($3,360.60) $2,574.00 $0.00 $1,461.50 $5,597.11 $255.09 $1,667.08 58,194.18
Nov-18 $0.00 53,269.17 ($3,269.17) $336.00 $0.00 $8,215.00 $538.25 $241.29 $1,653.08 $7,714.45
Dec-18] $173,424.00 $3,363.73 | $170,060.27 $98,575.25 $0.00 $2,394.56 | $3,272,912.00 $241.29 $1,663.48 | $3,545,846.85
Jan-19 $0.00 $1,930.03 ($1,930.03) $523.00 50.00 $3,489.44 $2,178.98 $257.92 $1,700.02 $6,219.33
Feb-19 $0.00 $3,077.92 ($3,077.92) $0.00 $106.00 $2,827.17 $0.00 $249.56 $1,666.82 $1,771.63
Mar-19| $173,424.00 $1,910.62 | $171,513.38 $98,575.25 5147.00 $75.50 $0.00 $249.56 $1,674.82 $272,235.51
Apr-19 $0.00 $1,305.87 ($1,305.87) $259.00 $123.00 | $11,000.00 $9,872.44 $249.56 | $1,567.22 $21,765.35
May-19] $31,362.00 $1,306.42 $30,055.58 50.00 $225.00 | $10,000.00 $1,076.50 $249.56 $1,657.22 543,263.86
Jun-19 $0.00 $2,388.61 (S2,388.61) $0.00 $476.19 | ($15,183.85) $5,547.43 $261.60 $0.00 ($11,287.24)
‘$725,058.00 | $29,655.96 | $695,402.04 | $427,301.76 | $1,077.19 | $26,670.52 | $3,417,542.40 |: $2,951.26. $19,865.90: $4,590,811.07.
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