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2015 PVTA MINUTES - FINANCIAL STATEMENT PVC . nut&s aal5 Fim�� PVTA Administrative Headquarters Pioneer Old North Main St. Firehouse Valley 2808 Main Street Transit Springfield, MA 01107 Authority (413) 732-6248 DRAFT MINUTES OF PVTA'S PARATRANSIT COMMITTEE MEETING May 27,2015 The Paratransit Committee meeting of the Pioneer Valley Transit Authority was held on Wednesday, May 27, 2015 at the Pioneer Valley Transit Authority Office located at 2808 Main Street in Springfield, MA, at 11:15 A.M. 1. ATTENDANCE PRESENT: Carolyn Brennan, East Longmeadow; Paula Dubord, Wilbraham; Brian O'Leary, Belchertown; Marilyn Ishler, South Hadley; Other's Present: Mary Maclnnes,PVTA; Josh Rickman,PVTA; Brandy Lamour,PVTA; John Musante; Amherst NOT PRESENT: Richard Theroux, Agawam; Mark Gold, Longmeadow; Paul Burns, Palmer; A quorum being present, Chairperson of the Paratransit Committee, Carolyn Brennan, called the Paratransit Committee meeting to order at 11:20 A.M. 2. APPROVAL OF MINUTES OF NOVEMBER 19,2014 Chairperson Brennan asked for a motion from the Committee to approve the Paratransit meeting minutes held on November 19, 2014. Motion: Moved and seconded (O'Leary/Dubord) to approve the minutes of the November 19, 2014 Paratransit Committee Meeting. Chairperson Brennan asked if there was any discussion, hearing none, asked for all those in favor to say aye. Motion passed by a majority vote. 3. PARATRANSIT POLICY CHANGE Josh Rickman of the PVTA reported on the proposed Paratransit policy change and stated the following. 1 SCANNED 7 4 17 Wid, Tie PVTA will continue to use a percentage based model but will increase the percentage to 15%and the minimum number of trips to be considered for a suspension to 20. This means that an individual who took 20 trips in a single month would need to no show 3 trips. This retains the minimum of 3 no shows while progressing to the percentage based model. The proposed reduced suspension length has been retained. Following is a list of incidents that would result in a no-show being charged. No-Show: A customer who is not at the scheduled point of pick-up during the 20-minute window in order to board within five minutes of the vehicle arriving. Cancel at Door: A customer who cancels at the door or"waves" away the driver who has arrived at the scheduled pick-up time and location. This is considered a no-show as the vehicle arrived at the scheduled pick-up. Late Cancel: When the customer calls to cancel a previously scheduled trip less than one (1) hour prior to their scheduled pick-up. This is considered a no-show as the vehicle is already in route for the pick- up. The only exception to this rule is for trips that are scheduled prior to 9:00 a.m. when there is no staff to receive the cancellation. No-Show at Drop off: Occurs when a customer cannot be dropped at the destination because the caretaker is not there to receive them. No Show Suspension Policy: All passengers who have 20 or more trips in a calendar month and no show more than 15% of those trips during that month will be subject to a warning or suspension. The average no show rate for PVTA paratransit customers is 4.4%, the PVTA will use 15% as the threshold for assessing this penalty to avoid penalizing the average PVTA paratransit rider. All notification process and suspensions: Warning letters and an appeal form with instructions will be mailed to the customers using the following timelines: Letter#1: A warning letter is sent when a passenger violated the no show policy for the first time in a calendar year. The mailing will include a copy of the no show policy, with reference to potential suspension if behavior continues. Letter#2: Sent certified when a passenger violated the no show policy for a second time within the calendar year. The individual will be suspended from service for a period of 7 Days. Letter#3: Sent certified when a passenger violated the no show policy for a third time within the calendar year. The individual will be suspended from service for a period of 14 Days. 2 J.etfer#4: Sent certified when a passenger violated the no show policy for a fourth time within the - • calendar year. The individual will be suspended from service for a period of 21 Days. Letter#5: Sent certified when a passenger violated the no show policy for a fifth (and subsequent violations during the calendar year)time within the calendar year. The individual will be suspended from service for a period of 28 Days. A complete copy of the Paratransit Policy proposed changes have been filed with the minutes of this meeting. Chairperson Brennan asked for a motion from the Committee to recommend to the Board approval of the Proposed Paratransit no show policy. Motion: Moved and seconded(O'Leary/Ishler) to recommend to the Board approval of the Proposed Paratransit no show policy. Chairperson Brennan asked if there was any discussion, hearing none, asked for all those in favor to say aye. Motion passed by a unanimous vote. 4. OTHER BUSINESS Chairperson Brennan reported that there was no other business to discuss. 5. ADJOURNMENT There being no further business, the Paratransit Committee Meeting adjourned (O'Leary/Dubord) at 11:25 A.M. A TRUE RECORD ATTEST: BRANDY LAMOUR Documents filed with Paratransit Committee Meeting packet: • Proposed Paratransit Policy Change 3 PVTA Administrative Headquarters Pioneer Old North Main St. Firehouse Valley 2808 Main Street Transit Springfield, MA 01107 Authority (413) 732-6248 DRAFT MINUTES OF PVTA'S PARATRANSIT COMMITTEE MEETING September 23,2015 The Paratransit Committee meeting of the Pioneer Valley Transit Authority was held.on Wednesday, September 23, 2015 at the Pioneer Valley Transit Authority Office located at 2808 Main Street in Springfield, MA, at 11:00 A.M. ATTENDANCE PRESENT: Carolyn Brennan, East Longmeadow; Paula Dubord, Wilbraham; Brian O'Leary, Belchertown; Marilyn Ishler, South Hadley; Paul Burns, Palmer; Other's Present: Becky Moriarty, Hampden; Douglas Slaughter, Amherst; Mary MacInnes, PVTA; Josh Rickman, PVTA; Brandy Lamour, PVTA; Paul Anziano, Hulmes Transportation; NOT PRESENT: Richard Theroux, Agawam; Mark Gold, Longmeadow; A quorum being present, Chairperson of the Paratransit Committee, Carolyn Brennan, called the Paratransit Committee meeting to order at 11:01 A.M. 1. APPROVAL OF MINUTES OF MAY 27 2015 Chairperson Brennan asked for a motion from the Committee to approve the Paratransit meeting minutes held on May 27, 2015. Motion: Moved and seconded (Dubord/Burns) to approve the minutes of the May 27, 2015 Paratransit Committee Meeting. Chairperson Brennan asked if there was any discussion, hearing none, asked for all those in favor to say aye. Motion passed by a majority vote. 2. ADULT DAY HEALTH TRIPS Josh Rickman, Manager of Operations and Planning reported the following: 1 SCANNED z 2 Puatransit trips are costly to operate and the fare box revenue collected currently from ADH care programs only covers 10% of the cost to provide the service. Adult day programs have the option of providing the service directly and being reimbursed by HST or having HST provide the service. The reason they don't pursue these options is due to the paperwork. PVTA is looking to eliminate Adult Day Health (ADH) Trips because ADH facilities are required to provide their own transportation or contract through a sub-contractor. There is no contractual relationship between PVTA and any ADH providers in the Pioneer Valley. Individuals covered by Mass Health are provided transportation services which are reimbursed to ADH programs. Individuals covered by MassHealth can also receive these transportation services at no cost by filling out a PT-1 Form. Currently, ADH programs are purchasing passes from PVTA for many individuals who are likely eligible to receive free transportation services through Human Service Transportation. The ADH facility can be reimbursed by MassHealth and pay their subcontractor who provides the transportation services. Many of the clients to ADH centers are transported under PVTAs senior van service which is not a federally required program. If the ridership continues to increase and no additional resources are provided, PVTA may have to limit the number of senior van trips offered on a given weekday. This will have an impact on the ability of Pioneer Valley's senior residents to travel through their communities. 3. ON-TIME PERFORMANCE Mr. Rickman stated that removing Adult Day Health ttips should significantly increase our on- time performance. PVTA Paratransit service provided 6,000 more trips in FYI compared to FYI 4. This is an increase of 1.2%. Due to lower On Time Performance numbers during the winter of 2015 PVTA directed its contractor to hire additional drivers and dispatch staff to increase performance. This additional staff was paid for by the PVTA. This has resulted in the On Time Performance increasing back to 90%. However, PVTA's goal is to plan for on time performance to increase to 95%. If PVTA removed the ADH trips and these trips were instead provided by an ADH facility, subcontractor, or HST, it would increase PVTA's on time performance. 4. SERVICE HOURS—RELATED TO COMPARABLE FIXED ROUTE HOURS Mr. Rickman stated that Paratransit operates during the same hours as the fixed route service. Mr. Rickman gave a presentation on service hours. A full copy of Mr. Rickman's presentation has been filed with the minutes of this meeting. 5. OTHER BUSINESS Chairperson Brennan reported that there was no other business to discuss. 2 fr. ADJOURNMENT There being no further business, the Paratransit Committee Meeting adjourned {O'Leary/Burns} at 11:27 A.M. A TRUE RECORD ATTEST: BRANDY LAMOUR Documents filed with Paratransit Committee Meeting packet: • Paratransit Meeting Minutes of May 27, 2015 • Adult Day Health Transportation Provided by PVTA. • Service Hours/Service Analysis FYI 3 r January 15, 2016 Secretary Stephanie Pollack Massachusetts Department of Transportation 10 Park Plaza, Suite 4160 Boston, MA 02116 Dear Secretary Pollack, As you are aware,the Pioneer Valley Transit Authority is in the process of constructing a new Operations and Maintenance Facility in Springfield.This project will replace the existing 108 year old facility used to maintain a fleet of buses which currently services the majority of Hampden County communities including Springfield,Chicopee,Holyoke, and Westfield. The construction of the new facility will accommodate the addition of ten new articulated buses and three new electric buses planned by the PVTA, aimed at offsetting the increasing capacity constraints caused by the 5% annual growth in ridership the PVTA has seen over the last five years. Recently,the PVTA was notified by the Department of Transportation that the construction of the new O&M facility will potentially be delayed until FYI 8. This is problematic for several reasons. Currently, the PVTA's projections indicate that a delay in construction of the facility will result in a 4-5% cost escalation for each year the project is delayed, meaning that the PVTA facility may require an additional $3.244 million to complete construction. This project is shovel ready having already completed several design phases. A delay in the construction of this facility will also result in a delay in the PVTA's ability to adequately provide service to residents of the Greater Springfield area. The PVTA plans to make several investments to address the increase in ridership including the purchase of articulated buses. The current facility cannot accommodate those buses and the inability of the PVTA to purchase these buses will have a direct operational impact. The PVTA also plans to introduce Bus Rapid Transit on State Street in Springfield which cannot occur until the completion of the new O&M facility. The completion of Springfield's Union Station and MGM Casino will further increase the demand for ridership on public transit,creating the need for more buses and greater service. In a recent capital needs assessment by the Department of Transportation,the PVTA O&M Facility received a 98 out of 100. It is clear that this shovel ready project is a mission critical investment for our region. For thousands of residents in the Pioneer Valley, bus transportation plays a vital role in how they conduct their daily lives. A delay in this shovel ready project will increase construction costs, limit the ability of the PVTA to service its existing customers, and impede its ability to address the needs of future customers. It is our sincere hope that the Department of Transportation allocates the appropriate funding for this important, shovel ready project. Sincerely, f PIONEER VALLEY TRANSIT AUTHORITY Financial Statements and Snppiementary Information June 30,2015 Table of Contents Page Independent Auditors'Report 2-3 Management's Discussion and Analysis 4 Financial Statements Statements of Net Position 5 Statements of Revenues,Expenses and Changed;sn Fund Niet Position 6-7 Statements of Cash Flows 8 Notes to Financial Statements 9-33 Required Supplementary Information Schedule of Changes in Net Pension Liabilities and Related Ratios 34 Schedule of Pension Contributions 35 Schedule of Retiree Health Plan Funding Progress—Other Post-Employment Benefits 36 Supplementary Information Statement of Net Cost of Service 37 Independent Auditors'Report on Internal Control over Financial Reporting and on Compliance and Other Matters Based on an Audit of Financial Statements Performed in Accordance with Government Auditing Standards 3 S-39 Page 2 Adelson & Company PC Richard F .ViscusoLaFleche,CPA 4'lncent T.Vlscuso,CPA CERTIFIED PUBLIC AccoUNIANTS Gary J.Moynihan,CPA Established 1938 Carol Lelbinger-Healey,CPA David M.Irwin,Jr.,CPA INDEPENDENT AUDITORS'REPORT To the Advisory Board of the PIONEER VALLEY TRANSIT AUTHORITY 2808 Main Street Springfield,MA 01107 Report on the Financial Statements We have audited the accompanying financial statements of the buskpi& ype`' ties of Pioneer Valley Transit Authority, a component unit of the Massachusetts Department of Trai 4r an, as d rid for the year ended June 30, 2015 and 2014, and the related notes to the financial statements, *hidt collectively c6h4xise Pioneer Valley Transit Authority's basic financial statements as listed in the table of coMdnfi Management's Responsibility for the Financki Statements Management is responsible for the preparation and fair presentation of ese financial statements in accordance with accounting principles generally accepted in the United State*lw AFp ica:thix includes the design,implementation, and maintenance of internal control relevant to the preparation aird fair presentation of financial statements that are free from material misstatement,whether due to fraud be error. Auditors'Responsibility Our responsibility is to express an opbgowon�l a ftnaneW statements based on our audit. We conducted our audit in accordance with auditing sta? ds genera):accepted 1 ni the United.States of America and the standards applicable to financial audits cont4ined in GovernhkWAuditmg&aFh u%ft, issued by the Comptroller General of the United States. Those standards' gsure that we plea and perform the audit to obtain reasonable assurance about whether the financial statements are• ,from metal misstatement. An audit involves performing procedures' r 0tain audit evidence about the amounts and disclosures in the financial statements. The procedures selected depettil on the auditors' judgment, including the assessment of the risks of material misstatement of the financial statements,whether due to fraud or error. In making those risk assessments, the auditor considers internal control relevant to the entity's preparation and fair presentation of the financial statements in order to design audit procedures that are appropriate in the circumstances, but not for the purpose of expressing an opinion on the effectiveness of the entity's internal control. Accordingly,we express no such opinion. An audit also includes evaluating the appropriateness of accounting policies used and the reasonableness of significant accounting estimates made by management,as well as evaluating the overall presentation of the financial statements. We believe that the audit evidence we have obtained is sufficient and appropriate to provide a basis for our audit opinion. opinion In our opinion, the financial statements referred to above present fairly, in all material respects, the respective financial position of the business-type activities of Pioneer Valley Transit Authority as of June 30, 2015, and the respective changes in financial position, and cash flows thereof for the year then ended in accordance with accounting principles generally accepted in the United States of America. 100 NORTH STREET.PITTSFIELD,MA 01201, PHONE(413)443-6408. FA.Y{412)443-7838 21 MECHANIC STREET,GREAT BARRINGTO_N.NI.A 01230. PHONE(413)528-5699, FU{413)528-5626 uld`W'.aDELSONCPA.COM ■ ENIUL:INFO9ADELSONCPA.COK MEMBERS:.AWRICAN i RTITIITE DP CERTIFIED PLBLIC ACC 01\TANTS3115S-1CI ItSETTS SOCIEr1 OF CERTIFIED Pl'SLIC ACCOLNT.AVIS Page 3 Change in Accounting Principle As described in Note 17 to the financial statements, in 2015, the Pioneer Valley Transit Authority adopted new accounting guidance, GASB Statement No. 68,Accounting and Financial Reporting for Pensions, as amended by GASB Statement No. 71, Pension Transition for Contributions Made Subsequent to the Measurement Date. Our opinion is not modified with respect to this matter. Other Matters Required Supplementary Information Accounting principles generally accepted in the United States of America require that the management's discussion and analysis on page 4, budgetary comparison information on pages 6 and 7, and the schedule of changes in net pension liabilities and related ratios, schedule of pension contributions, and the schedule of retiree health plan funding progress information on pages 34 to 36 be presented to supplement the basic financial statements. Such information, although not a part of the basic financial statements, is required by the Governmental Accounting Standards Board, who considers it to be an essential part of financial repng,for placing the basic financial statements in an appropriate operational, economic, or historical context "` ' have applied certain limited procedures to the required supplementary information in accordance sudi�g: ndards generally accepted in the United States of America, which consisted of inquiries of mama mot about methods of preparing the information and comparing the information for consistency with manag a responses ' our inquiries,the basic financial statements,and other knowledge we obtained during our audit-43i)4"ic financial statements. We do not express an opinion or provide any assurance on the information bocause thc _ procedures do not provide us with sufficient evidence to express an opinion or provide any asxdti ace Supplementary Information Our audit was conducted for the purpose of forming an,.opnrniaa on tlne financial statements that collectively comprise Pioneer Valley Transit Authority's basic financial �i4tements b ' pplementaty information on page 37 is presented for purposes of additional analysis and is not krequired parftifthe basic financial statements. The supplementary information is th rpot>5riility of magement and was derived from and relates directly to the underlying accounting and other fiords used tosepare the basic financial statements. Such information has been subjected to the auditing proeiures applied in tleaudit of the basic financial statements and certain additional procedures, including comparing= d,reconciling such information directly to the underlying accounting and other records used to prepare the basic' cial statements or to the basic financial statements themselves, and other additional procedures in accordance w1thJaud t `standards generally accepted in the United States of America. In our opinion,the information is fairly stated`i iIall material respects in relation to the basic financial statements as a whole. Other Reporting Required by Government Auditing Standards In accordance with Government Auditing Standards,we have also issued our report dated September 11,2014,on our consideration of Pioneer Valley Transit Authority's internal control over financial reporting and on our tests of its compliance with certain provisions of laws, regulations, contracts, and grant agreements and other matters. The purpose of that report is to describe the scope of our testing of internal control over financial reporting and compliance and the results of that testing, and not to provide an opinion on internal control over financial reporting or on compliance. That report is an integral part of an audit performed in accordance with Government Auditing Standards in considering Pioneer Valley Transit Authority's internal control over financial reporting and compliance. ADELSON&COMPANY PC Pittsfield,MA September 11,2015 Page 4-I PIONEER VALLEY TRANSIT AUTHORITY Management's Discussion and Analysis For the Year Ended June 30,2015 As the Administrator of the Pioneer Valley Transit Authority(the Authority I offer readers of the Authority's financial statements this overview and analysis ofthe financial activities of the Authority for the fiscal year ended June 30,2015. Financial Highlights • The assets and deferred outflows of resources of the Authority exceeded its liabilities at June 30,2015 by $55,739,646. • The Authority's total net position increased by$3,008,508 ui`fiscal`year Q15 as shown below: 6/30/201 Increase in other post employment benefits as required by GASB 45 Net decrease from reporting for pensions as required by GAS 68 96,052 Increase in reserves for extraordinary expenses 211,971 Loss before capital and other items (2,080,545) Contributed capital 16,916,436 Depreciation on capital assets _ (I 1,827,383) Increase in net position $ 3,008,508 • The total operating re!�increased$195,008 or 3.9%from fiscal year 2014. • The operating expenses mused$3'449,590 or 9.2%from fiscal year 2014. • The Authority expended$16,01` ,436 on capital assets. The Authority's operations are funded annually through a state required computation of the net cost of service. Except for the establishment of a restricted reserve,as allowed under Massachusetts General Laws,the Authority's funding cannot exceed its net cost of service. Change in Accounting Principle As described in Note 17 to the financial statements, the Authority adopted new accounting guidance, GASB Statement No. 68,Accounting and Financial Reporting for Pensions,as amended by GASB Statement No. 71, Pension Transition for Contributions Made Subsequent to the Measurement Date. As a result, the Authority recorded a prior period adjustment to record its net pension liabilities on the books as of June 30,2014, in the amount of$4,730,710. This amount was adjusted to$4,935,525 as of June 30,2015. The Authority also recorded a prior period adjustment to record deferred outflows of resources related to the pensions,as of June 30,2014,in the amount of$1,126,702. This amount was adjusted to$1,427,569 as of June 30,2015 Page 4-2 PIONEER VALLEY TRANSIT AUTHORITY Management's Discussion and Analysis For the Year Ended June 30,2015 Overview of the Financial Statements This discussion and analysis is intended to serve as an introduction to the Authority's basic financial statements, which consist of the Statement of Net Position, Statement of Revenues, Expenses and Changes in Fund Net Position, Statement of Cash Flows and Notes to the Financial Statements. The Authority is a special purpose government engaged only in business-type activities. As such, its financial statements consist of only those required for enterprise funds and notes to the financial statements. The notes to the financial statements provide additional information that is essential to a full understanding of the data provided in the basic financial statements. The notes to the fnancial- Cements can be found on pages 9 through 33 of this report. In addition to the basic financial state=744"6 and ifccort-panying notes,this report also presents the schedule of changes in net pension liabilities and rela64*tons,scii 61e of-pension contributions, and the schedule of retiree health plan funding progress which is requ supplemenfa formation. The required supplementary information can be found on pages 34 to 36 of this Government Financial Analysis The Authority's net position consists almost exclusively of its net vestment in capital assets (e.& land, construction in progress,buildings,revenue vehicles and equipment)oci ss any related debt used to acquire those assets that are still outstanding. The Authority uses these capital assets to provide fixed route and paratransit services to individuals within its service area;consequently,these net assets are not available for future spending. Although the Authority's investin I to _capital assets.is reported net of related debt,it should be noted that the resources needed to repay this,4*if any,tnu5t be provided from other sources,since the capital assets themselves can not be used to liquidate.*6e liabilities"die Authority currently has no capital lease obligations or capital debts- Summary of Net Position 6/30/2015 6/30/2014 Total current assets $ 22,672,277 S 42,909,459 Investment in Holyoke Intermodal Facility,LLC 4,056,385 4,056,365 Property and equipment,net 68,992,437 63,907,862 Deferred outflows of resources related to pensions 1,427,569 1,126,702 Total assets and deferred outflows of resources 97,148,668 112,000,388 Accounts payable and other accrued Iiabilities 7,545,782 7,999,393 Note payable 13,000,000 33,000,000 Net pension liabilities 4,935,525 4,730,710 Accrued other post employment benefits 15,927,715 13,539,147 Total liabilities 41,409,022 59,269,250 Investment in capital assets,net of related debt 73,048,822 67,964,227 Restricted reserve 1,096,076 884,105 Unrestricted (18,405,252) Q6,1 17,194) Total net position $ 55,739,646 $ 52,731,138 Page 4-3 PIONEER VALLEY TRANSIT AUTHORITY Management's Discussion and Analysis For the Year Ended June 30,2015 Net assets may serve over time as a useful indicator of a financial position. The Authority's assets exceeded its liabilities by$55,739,646 at the close of fiscal year 2015. An additional portion of the Authority's net position,shown as"restricted reserve",represents resources that are subject to approval of the Secretary of Transportation. As ofJune 30,2015,the Authority's reserve for extraordinary expenses was$1,096,076. Unrestricted net position represents funds that maybe used to fund current,ope*�. During fiscal year 2015,the Authority's unrestricted net position decreased a net amount of$2,288165 ' ram fiscal year 2014 for a total negative unrestricted balance of$(18,405,252)at June 30,2015 Tlio details oftlK ;increase can be found in Note 9 on page 15 of the financial statements. Summary of Statement of Revend _F,apenses and Changes in Fund Net Posin<. Increase 6l30/2015 6l30/2014 (Decrease) Total operating revenues $ 7,780,297 $ 7,485,289 $ 295,008 Total operating expenses 45,145,057 41,695,467 3,449,590 Operating income(loss) (37,364,760) (34,210,178) (3,154,582) Total non-operating revenues(e pei,es 35,294,215 32,278,183 3,006,032 Income(loss)before capital contributions a6a.uther items (2,080,545) (1,931,995) (148,550) Capital contributions 16,916,436 11,315,006 5,601,430 Nonreirnbursable depreciation (11,827,383) (10,640,268) (1,187,115) State forward funding of prior year*ficits — 6,065,152 (6,065,152) Change in net position 3,008,508 4,807,895 (1,799,387) Net assets,beginning 52,731,138 51,527,251 1,203,897 Prior period adjustment(See Note 17) -- (3,604,008) 3,604,008 Net position,ending $ 55,739,646 $ 52,731,139 $ 3,008,508 Operating revenues increased$295,008 from the prior year. Operating expenses increased$3,449,590 or 8.2%from the prior year;fixed route service increased$3,648,552 from fiscal year 2014 mainly due to increased costs associated with additional new service added($29 Million), and contracted labor increases;pares transit services decreased$(319,784)from fiscal year 2014 primarily due to savings in gasoline fuel due to decreasing fuel prices;shuttle service decreased$(3,996)from fiscal year 2014; administrative salaries and fringe benefits decreased by $(168,471) from fiscal year 2014 primarily due to a decrease in pension costs as the Authority contributed the maximum allowed to the pension plan; other administrative expenses increased by$293,289 from fiscal year 2014 primarily due to the fast year that information ` Page 4-4 PIONEER VALLEY TRANSIT AUTHORITY Management's Discussion and Analysis For the Year Ended June 30,2015 technology support services were classified as operating expenditures($135,000).Those services in the past were associated with a Capital project and funded by federal grants. All information technology projects accepted and in operations must have support paid for by operations. Additionally$250,000 was added to the insurance reserve after analysis of open reserves. Total Operating and Non-operating Revenues of$43,137,407 by Source 3% 8% 18% iglateboz 18°/u ■state an3100 operating grants CrEral operating grants 8% m Other 3% 71°/Q Tcw Operating and Non-operating Expenses of$45,217,952 by source 9% 1% !Operations 90% a Insurance 1% t]Administration 9% 90% ' Page 4-5 PIONEER VALLEY TRANSIT AUTHORITY Management's Discussion and Analysis For the Year Ended June 30,2015 Budget vs.Actual-an analysis of significant budget variances(budget versus actual results),including reasons for the variances that may affect future services or liquidity is as follows: Revenues Fare revenues FY2015 FY2015 Variance Actual Beget` +(-) Fixed route income $ 7,027,574 ` $ .7,084;18..8 $ (56,494) Paratransit income 722,680- ' 670,776 51,904 Shuttle service income 30,043, - 31,720 {1,677) Total operating income $ 7,780,297 $ `' 'i~86,564 $ (6,267) Government assistance FY201:5 PY2015 Variance Actual Budget +(-) Federal assistance $ 3,366,626 $ 5,378,120 $ (2,011,494) State contract assistance 22,980,428 22,980,428 --- Local assistance 3,827,620 7,785,856 41,764 Other assistance 784,122 378,437 405,685 The final Federal Assistance ni tiber came in ur[der the budgeted amount by$(2,011,494). Overall savings in the paratransit operations, fixed routs.operatiqm and RAN interest all contributed to less reliance on federal assistance. The Authority was able tot%se; ose federal funds for capital assets(primarily buses)needed to provide the new service. Other revenues FY2015 FY2015 Variance Actual Budget Advertising $ 301,933 $ 250,000 $ 51,933 Other income 64,452 102,413 (37,96I) Interest income 31,929 36,028 (4,099) Page 4-6 PIONEER VALLEY TRANSIT AUTHORITY Management's Discussion and Analysis For the Year Ended June 30,2015 Expenses FY2015 FY2015 Variance Actual Budget +C) Fixed route service $ 32,957,300 $ 31,598,752 $ (1,369,548) Paratransit service 7,794,846 8,373,965 579,119 Shuttle service 259,959 270,919 10,960 Administrative salaries,taxes and fringe benefits 2,239,353 2,152,274 (97,079) Other administrative expenses 1,889,121 2,154,533 265,412 Fixed route costs exceeded budget primarily because of the increase in the aCwal required under GASB 45 of $2,114,246 to record the liability for non-pension post-retirement befits, This 4i unfunded accrual and has no impact on current year funding. Paralransit costs were under budget primarily due to a decrease in fuel excuses due to decreasing gasoline pricing, savings in contractor payments due to incentive penalties and reduced days 66ervice due to the harsh winter. Administrative salaries were over budget due to recorduk an ac6h .,r the other post-employment benefits of $274,322. Capital and Debt Administration Capital Assets The Authority's investment iaipapital assets%.of June 30,2015 amounted to$68,992,437,net of accumulated depreciation. The investment in capital assetiJncludes land, construction in progress, buildings,vehicles,and equipment. The Authorityruarily, acquires;fs capital assets under federal capital grants with state matching funds. The total purchase of ct; I assets fo., a current year was$16,916,436. Major capital asset activity during thi gent year included the following: 1. Building improvements of$4,924,002 2. Acquisition of revenue vehicles of$7,894,224 and disposal of old revenue vehicles of$(947,303) 3. Acquisition of equipment of$4,098,210 Capital Assets 6/30/2015 6/30/2014 Land $ 1,965,505 $ 1,965,505 Construction in progress 5,190,312 1,722,882 Buildings and improvements 27,268,637 25,812,065 Revenue vehicles 93,757,763 86,810,842 Equipment 46,008,563 41,910,934 Service vehicles 1,394,691 1,606,984 Total capital assets 175,585,471 159,929,212 Accumulated depreciation (106,593,034) -(95,921,350) Capital assets,net $ 68,992,437 $ 63,907,862 r Page 4-7 PIONEER VALLEY TRANSIT AUTHORITY Management's Discussion and Analysis For the Year Ended June 30,2015 Revenue Anticipation Notes At the end of fiscal year 2015,the Authority had a revenue anticipation note of$I3,000,000. This note provides operating cash flow until federal,state,and local appropriations are received. Status of Intermodal Centers Westfield In a odal Lranaggn&fiton Center The Authority has completed l 00%design for the new Downtown To.Wit Pavig6fiAW will be constructed on Arnold Street in Downtown Westfield. Planning Board approval is expectW W ptember -%2015. The$63M project includes estate-of-the-art transit center with bile storage,pazatransit,;tced-route Cn1a"atid intercity bus transfer components. The automated facility will include a bus waiting area,autortiaife ,ticketing,and electronic kiosks forbus scheduling/trip planning as well as real-time bus informatzanlsignage and a`coee shop. The project is expected to attain LEER Silver Status. The project was designed with security in mind. The angl&of the bull tagand the incorporation of glass into the facility will maximize site lines throughout the site An extensive lighting component was included along with a police call-box station and installation of IP secunty'surveillance-c_am"that will be available to the City of Westfield Police Department as well as the Authority. For site assembly,the Authority acq .fired a pt v4W mixed-"use apartment building and is in the process of relocating tenants using federal funds. Tte Authority expels that all tenants will be out ofthe building on or before October 15, 2015 to allow asbestos aba6ie)t and demoliti grit of the building over the fall/winter. The Authority's attorney is currently working with the Westfd City attornelr.on a land transfer at no cost from the City of Westfield/Westfield Redevelopment Authority to the AJ t ority,wWbfi is needed for the Transit Pavilion site. An environmental agreement will also be included for addressing e �clean-up of the site. The Westfield Historic Commission(WHC)has issued the Authority a Certificate ofHistoric Review after holding a public hearing on the project,which allows the building to be demolished. The Authority will be photo-documenting the building and facilitating a walk-through ofthe building for the WHC to reprove any historic features as required by a Memorandum of Agreement(MOA)between the FTA,the Authority,the City of Westfield and the Massachusetts State Historic Preservation Office. The City has already started to reconstruct Arnold Street as part of their Gas Light District upgrade of sidewalks,street and streetlights. The Authority has coordinated closely the Pavilion design with the City's Gas Light District design. The Authority anticipates bidding the project in January/February of 2016;constructing the project in 2016;and opening the project in early 2017. Page 4-8 PIONEER VALLEY TRANSIT AUTHORITY Management's Discussion and Analysis For the Year Ended June 30,2015 New Ayfl1oft Bus ons and Maintenance Facfli S el&MA The Authority's new Bus Operations and Maintenance Facility Project at 649-665 Cottage Street in Springfield, Massachusetts will include a 280,000+/-square foot fixed-route bus operations and maintenmice facility on an 1 S-acre vacant industrial site purchased by the Authority in fiscal year 2014 and located in the heart of the Springfield Metropolitan Area of Western Massachusetts. The new facility will provide light and heavy maintenance to the Authority's entire fleet of up to 150+fixed-route buses. The new O&M facility will replace the Authority's light and heavy duty waWma'ampapabiliftes currenfly provided at its existing 108-year old maintenance facility located at 2840 Main Suet; Sprii fi4,MA- The existing 4-acre bus maintenance facility was retrofitted from an old streetcar trolley barrmd;is outdated Herat onally inefficient and grossly undersized to safely support the existing and expanded firtrue tzan*gstem. Based on current transit industry, design and zoning standards,the facility is less than halfthe size required to amide safe and efficient brag operatiions and maintenance for the current fleet. The new fixed-route O&M facility will support the AuthoiWs growiing rW64sp that has been increasing at an average rate of 5%annually over the past 5 years. Ridership 90 4 is projected to cvice�irn at or around this rate based on planned developments and transit improvements including f tcreased Amtrak &e through Union Station in Downtown Springfield;system expansions planned bythe Aid"and construction ofanewcasinom Downtown Springfteklnearthe Cottage Street site. Progress-to-Date With several development phases completed,the*.already purchased and environmental clearances(NEPA/NIEPA) obtained,this project is truly sh*l-ready. The Authority has completed the following Project Phases-to-late: Phase I: Schematic Concept PlaWDWelapoitent Task 1 -Facility Needs Assessment/Profng Manual(September 2010) Task 2-Maintenance Facility Master plan(February 2011) Task 3-Site Location Study(November 2011) Task 4-Phase I Environmental Site Assessment(February 2012) Task 5-Conceptual Design Report/Plans on Preferred Site(June 2012) Task 6-Secure FTA State of Good Repair Grant(June 2012) Phase H;Schematic Design/Land Acquisition—(Using 2012 SGR Grant) Task 1-NEPAlMEPA Concumrenee(April 2013) Task 2-Site Survey/Municipal Zoning Compliance(April 2013) Task 3-Phase II ESA-no reportable conditions(December 2013) Task 4-Purchase 649-665 Cottage St.property(December 2013) Task 5-Demolition/Abatement of vacant building(November 2014) Task 6-Schematic Design Completion(June 2015) Page 4-9 PIONEER VALLEY TRANSIT AUTHORITY Management's Discussion and Analysis For the Year Ended June 30,2015 Phase III:Design Development/Flual Design Task 1 -RFP/Selection Owner's Project Manager(OPM)—City Point Partners(August 2015) Task 2-Negotiate Scope/Contract for Design/Constraction with Designer-Wendel(September 2015) Task 3-Submit Application for Construction Manager at Risk(CMAR)-(expected September 2015) Task 4-Complete Value Engineering with Designer/OPM(expected September/October 2015) Task 5-RFP/Selection of CMAR(expected CMAR contract by December 2015) Task 6-Complete Value Engineering with Designer/OPIVVCMAR(expected January 2016) Task 7-Complete Design Development(scheduled January 2016) Task 8-Complete Final Design(scheduled August 2016) Phase IV construction is anticipated to advance in 2016 and throughoutf?017 with the facility opening in 2018. Off-site traffic improvements needed to accommodate the project will need tb be,o"dmated t the project development process and the City of Springfield. Economic Factors and Next Year's Budget Funding for the Authority's net cost of service(non-capital expenses all non-capital revenues except state contract assistance and member municipality assessments):is dependent primarily (up to 75%) on operating assistance from the Commonwealth of Massachusetts. The balance(at least 25%but no more than 50%)of the Authority's net cost of service is fronded also in'ar ars(currendyy'2 years back)through assessments to member municipalities. These assessments y,increase aisivally in the aggregate by no more than 2.5%, plus the members' share of any new se7111 s. A number of economic factorkwill or may affect the Authority's 2016 operations,such as increases in payroll and fringe related to union contrasts,fuel increases,:and other costs of running the Authority. Fiscal year 2016 is the final phase of adding new service resulting from a comprehensive service analysis completed in fiscal year 2014. It is estimated that the increase in state eontracf assistance(3%)will assist in covering a portion ofthat cost. Federal operating funds will be needed as in the past to offset the rest. Fiscal year 2016 will be the second year of forward funding of state contract assistance which allows for better budgeting,cash management;and less borrowing costs. Local assessments continue to be funded in arrears (2 years behind). This contributes in large part to the Authority's borrowing needs. Contacting the Authority's Financial Management This financial report is designed to provide our citizens,customers,investors and creditors with a general overview ofhe Authority's finances and to demonstrate the Authority's accountability for the money it receives. Ifyou have any questions or need additional information, contact Mary Maclnnes, Administrator, Pioneer Valley Transit Authority,2808 Main Street,Springfield,MA 01107. Page 5 r PIONEER VALLEY TRANSIT AUTHORITY STATEMENTS OF NET POSITION NNE 30, 2015 2014 ASSETS AND DEFERRED OUTFLOWS OF RESOURCES Current assets Cash and equivalents $ 3,890,217 $ 28,821,102 Receivables,net 18,338,503 13,605,689 Prepaid expenses 443,557 482,668 Total current assets 22,672,277 42,909,459 Investment in Holyoke Interinodal Facility,LLC �#, 56,385 4,056,365 Property and equipment,net 68,992437 63,907,862 Total assets 95,721,099 110,873,686 Deferred outflows of resources Deferred outflows related to pensions 1,427,569 _ 1,126,702 TOTAL ASSETS AND DEFERRED OUTFLOWS: OF RESOURCES 97,148,668 112,000,388 ,LIABILITIES Accounts payable 5,151,170 4,802,483 Accrued payroll and related libt€ities 148,497 146,582 Other accrued liabilities 116,463 127,137 Insurance claims reserve 1,750,000 1,506,000 Accrued interest 118,836 301,660 Note payable 13,000,000 33,000,000 Total current liabilities 20,284,966 39,877,862 Unearned revenue 260,816 1,121,531 Net pension liabilities 4,935,525 4,730,710 Accrued other post employment benefits 15,927,715 13,539,147 TOTAL LIABILITIES 41,409,022 59,269,250 NET POSITION Invested in capital assets,net of related debt 73,048,822 67,964,227 Restricted reserve 1,096,076 884,105 Unrestricted (18,405,252} (16,117,194} TOTAL NET POSITION $ 55,739,646 $ 52,731,138 See notes to financial statements. Page 6 PIONEER VALLEY TRANSIT AUTHORITY STATEMENT OF REVENUES,EXPENSES AND CHANGES IN FUND NET POSITION For the Year Ended June 30,2015 Variance Favorable Budget Actual (Unfavorable) Operating revenues Fixed route income $ 7,084,068 $ 7,027,574 $ (56,494) Paratransit income 670,776 722,680 51,904 Shuttle service income 31,720 .- 30,043 _ (1,677) Total operating revenues 7,786,564 7,780,297 (6,267) Operating expenses Fixed mute service 31,58& ;2 32,951300 (1,368,548) Paratransit service 8,373;96 7,7914,846 579,119 Shuttle service 270'919 259,959 10,960 Administrative salaries,taxes and fringe benefits 1' 274 2,239,353 (87,079) Other administrative expenses 2,1543:3 1,889,121 265,412 Reimbursable depreciation - _ 4,478 (4,478) Total operating expenses 44540,44'3 45,145,057 (604,614) Operating income(loss) (36,753,879) (37,364,760} _16101881) Non-operating revenues(expenses) Government operating assistance, Federal 5,378,120 3,366,626 (2,011,494) Massachusetts 22,980,428 22,980,428 --- Member communities 7,785,856 7,827,620 41,764 Other assistance 379,437 784,122 405,685 Advertising income 250,000 301,933 51,933 Other income 102,413 64,452 (37,961) Interest income 36,028 31,929 (4,099) Interest expense _ (157,403) (72,895) 84,508 Total non-operating revenues(expenses) 36,753,879 35,284,215 _(1,469,664} Income(loss)before capital contributions and other items $ --- (2,080,545) $ (2,080,545) Contributed capital 16,916,436 Nonreimbursable depreciation (11,827,383) CHANGE IN NET POSITION 3,008,508 Net position,beginning as restated(see Note 17) 52,731,138 NET POSITION,ENDING $ 55,739,646 See notes to financial statements. Page 7 PIONEER VALLEY TRANSIT AUTHORITY STATEMENT OF REVENUES,EXPENSES AND CHANGES IN FUND NET POSITION For the Year Ended June 30,2014 Variance Favorable Budget Actual (Unfavorable) Operating revenues Fixed route income $ 6,817,925 $ 6,774,805 $ (43,120) Paratransit income 657,070 678,258 21,188 Shuttle service income 30,696 32,226 1,530 Total operating revenues 7,505,691 7,485,289 (20,402) Operating expenses Fixed route service 27,61E 904 °29,308,749 (1,691,844) Paratransit service 8,03 ,br58 . 8,114,630 (76,972) Shuttle service 273. 62�;:.. 263,955 9,665 Administrative salaries,taxes and fringe benefits 2,145,302 2,407,824 (262,522) Other administra#iveexpenses 1, 84,095 1,595,833 (111,738) Reimbursable depreciation -- 4,477 (4,477) Total operating expenses 39, 57;5C79. 41,695,467 (2,137,888) Operating income(loss) 32,.0518$8 (34,210,179 (2,158,290) Non-operating revenues(expenses) Government operating assistance Federal 6,172,542 5,795,128 (377,414) Massachusetts 18,781,087 18,781,087 --- Member communities 7,065,703 7,065,703 — Other assistance 110,000 360,713 250,713 Advertising income 218,450 363,859 145,409 Other income 83,447 60,342 (23,105) Interest income 33,159 41,589 8,430 Interest expense (412,50 (190,238) 222,262 Total non-operating revenues(expenses) 32,051,888 32,278,183 226,295 Income(loss)before capital contributions and other items $ --- (1,931,995) S (1,931,995) Contributed capital 11,315,006 Nonreimbursable depreciation (10,640,268) State forward funding of prior years deficits 6,065,152 CHANGE IN NET POSITION 4,807,895 Net position,beginning 51,527,251 Prior period adjustment(see Note 17) (3,604,008) NET POSITION,ENDING AS RESTATED $ 52,731,138 See notes to financial statements. Page 8 PIONEER VALLEY TRANSIT AUTHORITY STATEMENTS OF CASH FLOWS FOR THE YEAR ENDED JUNE 30, 2015 2014 Cash flows from operating activities: Receipts from customers S 7,757,662 $ 7,247,128 Payments for goods and services (45,196,115) (35,576,188) Payments to employees �(2,237,438) (2,398,508) Net cash provided(used)by operating activities 39,665 8910,717,568} Cash flows from noncapital financing activities: Receipts of operating grants 34,958,796 48,307,418 Receipt of forward finding grant for prior years deficits --- 6,065,152 Proceeds from issuing revenue anticipation notes 13,000,000 33,000,000 Repayments of revenue anticipation notes (33,000,000) (35,000,000) Interest paid (255,719) 368,491 Net cash provided(used)by noncapital financing activities 14,703,077 52,004,079 Cash flows from capital and related financing activities: Receipts of capital greats 16,916,436 11,315,006 Payments for capital acquisitions (16,916,436) 11,315,006 Net cash provided(used)by capital and related financing activities -- --- Cash flows from investing activities: Distribution from investment in Holyoke Intermodal Facility I.LC -- 35,438 Interest on savings 31,929 41,589 Net cash provided(used)by investing activities 31,929 77,027 NET INCREASE(DECREASE)IN CASH iND'9QUIVAL ;_ (24,930,885) 21,363,538 Cash and equivalents,beginning 28,821,102 7,457,564 CASH AND EQUIVALENTS,END1 S 3,890,217 S 28,821 102 Reconciliation of operating income to net casl; =ovuled(used)by operating activities: OPERATING LOSS $ (37,364,760) $ (34,210,178) Adjustments to reconcile operating loss to net cash provided(used)by operating activities: Reimbursable depreciation 4,478 4,477 (Gain)Loss in investment in Holyoke Intermodal Facility,LLC (20) (726) Advertising and other income 366,385 424,201 Change in assets and liabilities: (Increase)decrease in receivables (4,732,814) (222,941) (increase)decrease in prepaid expenses 39,111 341,688 Increase(decrease)in accounts payable 348,687 964,177 Increase(decrease)in accrued payroll and related liabilities 1,915 19,316 Increase(decrease)in other accrued liabilities (10,674) 3,995 Increase(decrease)in insurance claims reserve 250,000 50,000 Increase(decrease)in unearned revenue (860,715) (230,373) Increase(decrease)in net pension liabilities (96,052) --- Increase(decrease)in other post employment benefits ^ 2,388,568 T 2,138,796 Net cash provided(used)by operating activities $ (39,665,891) $ (30,717�,568) See notes to financial statements. Page 9 PIONEER VALLEY TRANSIT AUTIIORITY NOTES TO FINANCIAL STATEMENTS June 30,2015 NOTE 1-ORGANIZATION AND SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES Organization The Pioneer Valley Transit Authority (the Authority) operates under Massachusetts General Laws (MGL) Chapter 161B as a body politic and a corporate and political subdivision of the,:Com.monwealth of Massachusetts. The Authority is a component unit of the Massachusetts Department of Transporrt tida,'Massachusetts provides fimding to the Authority. Its members consist of the pities and towns of Ag6wam, erst, Belchertown, Chicopee, East Longmeadow, Easthampton, Granby, Hadley, Hampden, Holyoke, eve ett, L *Weadow, Ludlow, Northampton, Palmer, Pelham, South Hadley, Springfield, Sunderland, Ware, ist. Springfield, :';Westfield, Wilbraham and Williamsburg. It has a general responsibility to develop,finance and'66fifito for the operation of mass transportation facilities within its territory. It is authorized to improve, modify, e-Maad existing facilities and enter into agreements with other parties, including government agerXctes, municipalittes authorities, private transportation companies, railroads, corporations, and other concerns, providin `i gnstruction, operation and use by such other party of any mass transportation facility or equipment of th..Auth ity. The Authority's activities are managed by an admuuprator who is appointed by an Advisory Board which is made up of the chief elected officials or their appointees:tom the mem communities. The Authority's operations are primarily funded through passenger fapesq contractualreimbursements and operating subsidies from the federal and state government and member muntc pa(itts.;:..In addition,.the Authority receives capital grants from the federal and state government to finance acq ons and M.1f)Mvementi of facilities and equipment. The Authority provides fixed jute service to the cities and towns above, which is provided by Springfield Area Transit Company,Valley Area TraitsiX Compagy and UMass Transit. The Authority provides ADA paratrarA*' vice for people with disabilities throughout the Pioneer Valley within% miles of a fixed route. This service provides a shared-ride and door-to-door van transportation for individuals with disabilities that prevent them from riding the fixed route bus service. The Authority also provides door-to-door, demand responsive accessible van service to seniors over the age of 60 throughout the Pioneer Valley. Basis of Accounting An enterprise fund is used to account for the Authority,which is maintained on the accrual basis of accounting. The Authority uses proprietary fund accounting which follows all Governmental Accounting Standards Board (GASB) pronouncements. Proprietary funds distinguish operating revenues and expenses from non-operating items. Operating revenues and expenses generally result from providing transit services to the general public. The principal operating revenues consist of passenger fares and contract reimbursements for demand response transit services provided to agencies of the Commonwealth of Massachusetts. Operating expenses include the cost of transit services provided by third party vendors, administrative expenses and depreciation of capital assets. All revenues and expenses not meeting this definition are reported as non-operating revenues and expenses. Page 10 NOTE 1,(Continued) Fund Net Position Fund net positions are classified as follows in the Authority's financial statements. Invested in capftal assets, net of related debt The portion of net position represented by capital assets less accumulated depreciation, less outstanding debt incurred by the Authority to buy or construct them. The Authority uses these capital assets to provide transportation services; consequently,these assets are not available for future spending. Although the Authority's investment in its capital assets is reported net of related debt, the resources needed to repay this debt, if any,must be provided from other sources,since these capital assets themselves cannot be used to liquidate these liabilities. Restricted Amounts that can be spent only for specific purposes because of state laws, or.externally imposed conditions by grantors or creditors. The Authority has a restricted reserve established Ib the purpose of meeting the cost of extraordinary expenses in accordance with Massachusetts General L ws. Ch`e 161 b, Section 6(q). At June 30, 2015,the Authority's reserve balance was$1,096,076. Unrestricted All amounts not included in other classifications. Revenue Recognition Operating assistance and capital assistance are recorded at the time elho#expenditures under the terms of the grants are incurred. Budgetary Basis of Accounting The Authority follows these procedures,in establishing the budgetary data reflected in the financial statements: 1. The Administrator presents to the Advisory Boart#'a proposed budget by April 1 each year for the fiscal year commencing the Nll wing July. Thae;budget includes proposed expenditures and the means of financing them. 2. By June 1 each year,the budget is legally enacted by a vote of the Advisory Board. Funding The Authority's operations are funded through fares from riders and assistance provided under various federal,state, and local grants. Reimbursement under these grants is based on expenses incurred during the fiscal year and is subject to certain compliance regulations. Capital Grants The Authority's capital assets are generally acquired with federal, state and local capital grants. These assets are owned by the Authority and included in property and equipment. Proceeds received from dispositions of these assets must be either refunded to the grantor agency or used to acquire new capital items. Capital grant revenues are reflected in the Statement of Revenues,Expenses and Changes in Fund Net Position as capital contributions. Cash and Equivalents For purposes of the statements of cash flows,the Authority considers all highly liquid investments purchased with a maturity of three months or less to be cash equivalents. Page 11 NOTE I-(Continued) Accounts Receivable Accounts receivable are stated at the amount management expects to collect from outstanding balances. Management provides for probable uncollectible amounts through a charge to earnings and a credit to a valuation allowance based on its assessment of the current status of individual accounts. Balances that are still outstanding after management has used reasonable collection efforts are written off through a charge to the valuation allowance and a credit to accounts receivable. Property and Equipment Property and equipment are recorded at acquisition cost and depreciation is calculated using the straight-line method over five to forty year lives. Use of Estimates The preparation of financial statements in conformity with generally accepted accounting principles requires management to make estimates and assumptions that effect certain reported its and disclosures. Accordingly, actual results could differ from those estimates. Subsequent Events Management has evaluated subsequent events through September 11 . 15., the date Which the financial statements were available to be issued. Concentration of Source of Supply of Labor The Authority has a contract,expiring on June 30,2020, f4.fxed raiite naportation services with the University of Massachusetts. The Authority has a contract,expiring on August 3t 2016,for its filed route transportation services with Springfield Area Transit Company(SATCo)and Valley Area Transit Company(VATCo),divisions of First Transit,Inc. Ninety-seven percent (97%) of SATCo's a "loyees are.members of the Local 448 of the Amalgamated Transit Union. SATCo's labor agreed eiit with the Unions effective through October 31,201S. Eighty-five percent (85%) of VATMCo's emplq_, s are members of the Local 1459 United Food and Commercial Workers International Union. VA'�`€�'s labor� reernent with the Union is effective through December 31,2015. Comparative Information Certain prior year amounts may have been reclassified to conform to the current year presentation. NOTE 2-DEPOSITS AND INVESTMENTS State and local statutes place certain limitations on the nature of deposits and investments available to the Authority. Deposits, including demand deposits,money markets and certificates of deposit in any one financial institution,may not exceed certain levels unless collateralized by the financial institution involved. Investments may be made in unconditionally guaranteed U.S.Government obligations having maturities of a year or less from the date of purchase, or through repurchase agreements with maturities of no greater than 90 days in which the underlying securities consist of such obligations. Other allowable investments include authorized bonds of all states, banker's acceptances, commercial paper rated within the three highest classifications established by rating agencies, and units in the Massachusetts Municipal Depository Trust(MNlDT). Custodial Credit Risk Custodial credit risk is the risk that in the event of bank failure, the Authority's deposits may not be returned. The Authority carries deposits and short-term investments that are insured by FDIC and DIF insurance. Insured bank deposits as of June 30,2015,were$5,374,172. Uninsured bank deposits as of June 30,2015 were$1,750,454. Page 12 NOTE 3-RECEIVABLES CONSISTED OF THE FOLLOWING AT JUKE 30: 2015 2014 Current receivables Federal Operating assistance $ 2,399,922 $ 1,234,186 Capital assistance _2 485,771 2,332 562 Total-Federal 42885,693 3,566,748 Massachusetts Capital assistance _3,441,939 1,014,188 Total-Massachusetts 32441,939 1,014,188 Member communities Operating assistance for current year expenditures 7,8U7,6Q 7,065,703 Operating assistance for prior year expenditures _.1,707,165 1,5050602 Total-member communities J,534,799 8,571,305 Trade receivables Accounts receivable 476,083 453,448 Allowance for uncollectible -- -- Total-trade receivables 476,083 453,448 Total receivables $ 18,338,503 $ 13,605,689 The Federal government, undo"49 USC sectii�n.5311, may provide assistance of up to 50% of the Authority's net operating costs for the rural' routes. In a0ition, under 49 USC sections 5307, 5309 and 5310, the Federal government may provide 80%ta= 60,*l4 of the c of capital equipment and maintenance. During the year ended June 30,2015 and 2014,the Authority exprended.t encan Recovery and Reinvestment funds through the Department of Transportation. Massachusetts general laws require the operating assistance assessed upon local cities and towns be at least 25%of net cost of service,including new services. The local assessment can be increased by a maximum of 2.5%of the previous year's local assessment plus 25%of the cost of new service. The Authority has a contract with the Commonwealth of Massachusetts under which Massachusetts agrees to provide operating assistance for a portion of the operating deficit remaining after any federal grants and the local assistance have been applied. NOTE 4-PREPAID EXPENSES CONSISTED OF THE FOLLOWING AT JUNE 30: 2015 2014 Insurance $ 113,700 $ 106,580 Pension 288,869 288,869 Prepaid fuel 24,684 48,096 Other 16,304 39,123 Total $ 443,557 $ 482,668 Page 13 NOTE S-PROPERTY AND EQUIPMENT CONSISTED OF THE FOLLOWING AT JUNE 30: 2015 Beginning Ending Balance Increases Decreases Balance Capital assets,not being depreciated: Land $ 1,965,505 $ --- $ --- $ 1,965,505 Construction in progress 1,722,882 3,467,430 --- 5,190,312 Total capital assets,not being depreciated 3,688,387 3,467,430 --- 7,155,817 Capital assets,being depreciated: Buildings and improvements 25,812,065 1,456,572 27,268,637 Revenue vehicles 86,810,942 7,894,224 (947,303) 93,757,763 Equipment 41,910,934 4,099,210 (581) 46,008,563 Service vehicles 1,606,984 _ (212,293) _ 1,394,691 Total capital assets,being depreciated 156,140,825 13,449,0(16 (1,160,177) 168,429,654 Less accumulated depreciation for: Buildings and improvements 19,347,301 L,102;988 --- 20,450,289 Revenue vehicles 43,165,488 7 t -i. 96 (947,303) 49,319,281 Equipment 32,205,948 3,487t'8fi; (581) 35,692,553 Service vehicles 1,202,613 140,591 (212,293) 1,130,911 Total accumulated depreciation 95,921,350' j] 1,961 1,16D,177} 106,593,034 Total capital assets,being depreciated,net 60,219,475` 1,t1T745 --- 61,836,620 Capital assets,net $_ 6 �J0^ 7`862 $ > s084,575 $ --- $ 68,992,437 _ 2014 $finning _ Ending �^ B$lance Increases Decreases Balance Capital assets,not being depreciated Land $ 265,500 $ 1,700,005 $ --- $ 1,965,505 Construction in progress _ 1,459,564 263,318 --- I,722,882 Total capital assets,not being depreciated 1,725,064 1,963,323 -- 3,688,387 Capital assets,being depreciated: Buildings and improvements 23,644,147 2,167,918 -- 25,812,065 Revenue vehicles 86,235,265 2,965,448 (2,389,871) 86,810,842 Equipment 37,939,803 3,971,131 --- 41,910,934 Service vehicles 1,359,798 247,186 --- 1,606,994 Total capital assets,being depreciated 149,179,013 9,351,683 (2,389,871) 156,140,825 Less accumulated depreciation for: Buildings and improvements 18,464,134 883,167 19,347,301 Revenue vehicles 39,028,160 6,527,199 (2,389,871) 43,165,488 Equipment 29,060,538 3,145,410 -- 32,205,948 Service vehicles 1,113,644 88,969 — 1,202,613 Total accumulated depreciation 87,666,476 10,644,745 (2,389,871) 95,921,350 Total capital assets,being depreciated,net 61,512,537 1,293,062) --- 60,219,475 Capital assets,net $ 63,237,601 $ 670,261 $ --- $ 63,907,862 Page 14 NOTE 6-INVESTMENT IN HOLYOKE INTERMODAL FACILITY,LLC On February 7, 2007 the Authority entered into a Joint Development Agreement with the City of Holyoke and Holyoke Intermodal Facility,LLC,(a limited liability company created by the real estate arm of Peter Pan Bus Lines, Inc.)for the purpose of undertaking the design and construction of the renovations to a building located at 206 Maple Street, Holyoke, Massachusetts, known as the Holyoke Multimodal Transportation Center. Holyoke Intermodal Facility,LLC is the owner of the building. The Authority has a one percent(1%)interest in the Holyoke Intermodal Facility,LLC which is accounted for under the equity method. The Authority receives,on an annual basis,ten percent of the"net operating income"of the LLC as defined in the Joint Development Agreement. The City of Holyoke had conveyed certain property to Holyoke Intermodal Facility,LLC which included a permanent restriction on approximately 3,000 square feet of space on the ground level to be used for transit purposes only. In consideration of the extent of public funding provided to the project through the Authority,the 3,000 square feet of the ground floor was restricted for transit use and is leased back to the Authority free of charge in perpetuity. The project was completed in fiscal year 2011 at which time the Authority started leasing back a portion of the facility. In the event that the LLC should sell the property, and depending on the timing of the sale,a portion of the sales proceeds will go to the Authority as described in the Joint Development Agreement. **e is of the lease agreement with the LLC are described in Note 10 of these financial statements. During the years ended June 30,the following was recorded: 2015 2014 Investment in Holyoke Intermodal Facility,LLC,beginning 4,056,365 $ 4,091,077 Gain(Loss)from Holyoke Intermodal Facility,Lt,C 20 726 Distributions from Holyoke lntermpdakFa lity, Investment in Holyoke Intermit dal Facility,LIC,ending $ 42056,385 $ 4,056,365 NOTE 7-ACCOUNTS PAYABLI'; NSTED OF THE FOLLOWING AT JUNE 30: 2015 2014 Accounts payable General vendors $ 3,686,503 $ 3,692,505 Fixed route operators 1,464,667 1,109,978 Total $ 5,151,170 $ 4,802,483 The Springfield Area Transit Company, Valley Area Transit Company and UMass Transit are the fixed route operators for the Authority. The assets and liabilities held by the fixed route operators are owned by the Authority and consist mainly of inventory,prepaid expenses,accounts payable and accrued wages and benefits. The value of these assets less liabilities held by the fixed route operators as of June 30,2015 and 2014 was $1,464,667 and$1,109,978, respectively,and are reported as fixed route operator accounts payable in the Authority's financials statements. Page 15 NOTE S-NOTE PAYABLE CONSISTED OF THE FOLLOWING AT JUNE 30: The Authority is subsidized by the Commonwealth of Massachusetts for its annual`Net Cost of Service'as defined in the Massachusetts General Laws. These subsidies are funded subsequent to the year in which the costs are incurred. Therefore,the Authority issues revenue anticipation notes to cover cash flow deficiencies until funding is received. Revenue anticipation notes consisted of the following for the year ended June 30: 2015 2014 1.00%Revenue anticipation note, due July 24,2015 $ 13,000,000 1.009/6 Revenue anticipation note, $ 33,000,000 due July 25,2014 Total $ 1 U00,000 $ 33,000,000 On July 24,2015,the Authority issued a$10,800,000 operating assist ce Onticipatroa,note maaring on July 22,2016 at a rate of 1.50%. The Authority repaid the$13,000,000 note due JulX2A;2015. The Commonwealth is required pursuant to Section 10 of Chapter161B of 13Massachusetts General Laws to pay to the Authority amounts duly certified by the Administrator as. to pay t `principal and interest on these notes if sufficient funds are not otherwise available; the obligation of' Commonwealth to pay such amounts to the Authority is a general obligation of the Commonwealth,and the Bill fatty find credit of the Commonwealth is pledged to make such payments. NOTE 9-NET POSITION CONSISTED TBE FOLLOWING AT JUKE 30: 2015 Invested in Restricted capital assets Reserve Unrestricted Total Net loss $ (2,080,545) $ (2,090,545) Reimbursable depreciation $ (4,478) 4,478 --- Nonreimbursable depreciation (11,827,383) (11,827,383) Capital asset additions Government faded 16,916,436 16,916,436 Increase in investment in Holyoke Intermodal Facility,LLC 20 (20) — Increase in reserve for extraordinary expenses — _ $ 211,971 211,971) — Increase(decrease)in net position 5,084,595 211,971 (2,288,058) 3,008,508 Net position,beginning as restated(see Note 17) T 67,964,227 884,105 (16,117,194) 52,731,138 Net position,ending $ 73,048,822 $ 1,096,076 $ (18 405,252) $ 55t739,646 Page 16 NOTE 9-(Continued) 2014 Invested in Restricted capital assets Reserve Unrestricted Total Net loss $ (1,931,995) $ (1,931,995) Reimbursable depreciation $ (4,477) 4,477 -- Nonreimbursable depreciation (10,640,268) (10,640,268) Capital asset additions Government funded 11,315,006 11,315,006 * State forward funding for prior years deficits 6,065,152 6,065,152 Decrease in investment in Holyoke Intermodal Facility,LLC (34,712) 34,712 — Increase in reserve for extraordinary expenses ;$' 2' 1 (206.801) --- Increase(decrease)in net position 635,549. 206,801: 3,965,545 4,807,895 Net position,beginning 67,328,678 677,304 (16,478,731) 51,527,251 Prior period adjustment{see Note 17} --- (3,604,008} (3,604,008) Net position,ending as restated $ 67,964;227 '$ 884;65 $ {16,117,194) $ 52,731,138 * During fiscal year 2014 the Massachusetts Department of::Transpoitation awarded state operating assistance for forward funding in the amount of$6,322,049, Of fs amount,$O,0 J 52 was applied to the Authority's prior years' unfunded deficits,and$256,897 was used towardrepaying a portion of the interest expense of the Authority's revenue anticipation note due on July 25,291,4 NOTE 10-OPERATING LFA F$ Information Center Leases On July 1, 2007, the Authority entered into'a 5 year operating lease for its Information Center located at 1331 Main Street, Springfield, MA, The Authority is responsible for a pro rata share of the facilities' common area operating costs, including the cost of gas consumption, public liability,fire and property damage insurance, real estate taxes, gardening, landscaping, snow removal, trash removal and other common area facility expenses. The lease was extended for an additional 5 years and expires on June 30, 2017. Lease expense was $11,390 and $11,166 for the years ended June 30,2015 and 2014,respectively. On July 1, 2007, the Authority entered into a 5 year operating lease for its Information Center located at 1341 Main Street, Springfield, MA. The Authority is responsible for a pro rata share of the facilities' common area operating costs, including the cost of gas consumption, public liability, fire and property damage insurance, real estate taxes, gardening, landscaping, snow removal, trash removal and other common area facility expenses. The lease was extended for an additional 5 years and expires on June 30, 2017. Lease expense was$8,041 and$7,883 for the years ended June 30,2015 and 2014,respectively. Page 17 3 NOTE 10-(Continued) Transportation Center lease The Authority leases transit and building space located at 1776 Main Street, Springfield, MA. The leased premises consists of 470 square feet of dispatch and office area space, six bus parking bays containing 9,877 square feet, a section of the parking lot, and the right to use a portion of the concourse and public use areas at the building. The Authority is responsible for cleaning the bay area, office space area and repairs and maintenance of the leased premises(except the public use areas),as well as for its own cable,phone and any other utilities. The lease expires on June 30,2016. Lease expense was$273,804 and$190,099 for the years ended June 30,2015 and 2014,respectively. Approximate future lease commitments payable during the years ending June 30 are as follows: Leases 1331 Main St. 1341 Main St. 1776 Main St. Total 2016 $ 11,618 $ 8,202 $ 273,804 $ 293 b24 2017 1.1,850 8,366 --- 7. 16 Total $ 23,468 $ 16,568 $ 273,904 $ 313,840 Holyoke Multimodal Transportation Center Lease The Authority is leasing approximately 3,000 square feet with the right to use common areas of the Holyoke Multimodal Transportation Center building,includingall driveways,pa tieing areas and roadways serving the property. The lease commenced in September 2010 and,expires on the elate of the fiftieth (50*) year following the commencement date. The Authority has the option3o.extend the"lease for separate and successive extension periods of fifty (54) lease years each. The A that ty has no 6bligation to pay rent, it being agreed that the public funding provided for the project was in lied-of any 6O-Iowed. Notwithstanding,the Authority does have the obligation to pay for separately metered utilities mid its share of common area maintenance(CAM)charges. The CAM charges shall be paid monthly at an amount-determined annually,ly the Lessor,Holyoke Intermodal Facility,LI.C,Which include all expenses incurred by the Lessotlun..connectionvVith the operation of the property, such as handymen, mechanics, electricians,supplies and materials,.insurancest*pairs,replacements and other allowable expenses as described in the lease agreement. The CAM charga 'Were $11,617 and $10,526 for the years ended June 30, 2015 and 2014, respectively. The Authority has a one-percent(1%) ownership interest in Holyoke Intermodal Facility,LLC which is disclosed in Note 6 of these financial statements. Page 18 NOTE I I-PVTA PENSION PLAN Plan The Authority provides retirement benefits to employees through the Pioneer Valley Transit Authority Pension Plan (the Planj,a single-employer pension plan. This is a deimed benefit pension plan that clovers all employees that work at least 1,000 hours in a twelve month consecutive period,and agree to make employee contributions. The Plan issues a publicly available financial report that includes financial statements and required supplementary information for the plan. The Plan's report can be obtained by writing to Pioneer Valley Transit Authority,2808 Main Street,Springfield, Massachusetts 01107 or by calling(413)732-6248. Results of the Plan are based on liabilities developed in an actuarial valuation performed as of June 30,2014 with a measurement date of June 30,2014. Accounting Policy For the purposes of measuring the net pension liability, deferred outflows of resources and deferred inflows of resources related to pensions, and pension expense, information about tb,c fiduciary net position of the Pioneer Valley Transit Authority Pension Plan(the Plan)and additions to/deduchoiis frvin the Plan's fiduciary net position have been determined on the same basis as they are reported by'-the Plah Far this purpose, benefit payments (including refunds of employee contributions)are recognized whert#ue-and pay a�1e:0 accordance with the benefit terms. Investments are reported at fair value. Plan Membership At June 30,2014,the following employees were covered by the b*ip terms. Active employees 19 Inactive employees entitled but not yet receiving benefits 20 Inactive employees(or beneficiaries) 1$ Total 57 Beneft Provided The Plan provides retiremeK*ath and disability benefits and provides for retirement benefits of 2.50% of a member's average compensation fames the number of years of service to a maximum of 32 years. Early retirement is available for any member who has'adained ago-55 and completed 10 years of service. The amount payable to an early retiree is the member's accrued benefit-4 the tune of early retirement,reduced by 3%per year for each of the first five years before age 65 plus 7%for each aditional year. If a participant works past age 65, the benefit payable on the deferred retirement date will be the greater of(i) the actuarial equivalent of the age 65 accrued benefit or (ii) the benefit calculated using credited service as of the participant's deferred retirement date. Members of the Plan become fully vested after seven years of service. A member becomes 100%vested in their accrued retirement pension upon their 65s'birthday. Contributions Each year,the Authority and its employees make contributions to the Plan. While there is no statutory or regulatory requirement to contribute the actuarially determined contribution, it is the intent of the Authority to contribute the amount necessary to finance the costs of benefits earned by employees each year as well as a 15 year level dollar amortization of existing net pension liability as of the valuation date. For the fiscal year ending June 30, 2014, the average employee contribution was 3.92% and the Authority's average contribution rate was 12.11% of annual payroll. f Page 19 NOTE 11-(Continued) Actuarial Assumptions The total pension liability in the June 30, 2014 actuarial valuation was determined using the following actuarial assumptions,applied to all periods included in the measurement: Inflation 3%as of Tune 30,2014 and for future periods Salary increases 4%of annual compensation including inflation Investment rate of return 6.889/o,net of pension plan investment expense, including inflation Pre-and post-retirement mortality Mortality rates were based upon the 2014 IRS Mortality Table for small plans Employee termination None assumed Retirement age Age 65 or normal retirement date,if later Pre-retirement death benefit Calculated using afcrrementtobed mortality,interest and termination assurppfions and oh the,assumption that 100% of plan members tiave spouses Expenses Investment return isissumed to be net of plan expenses paid from the trust fund�`:= The long term rate of return on pension plan investments vas detemined using a building-block method in which best-estimate ranges of expected future real rates of return' r;tftrM net of pension plan investment expense and inflation)are developed for each asset class. These rdngesSnre coo i to produce the long-term expected rate of return by weighting the expected future real rates.of return:by the;farget asset allocation percentage and by adding expected inflation. The target allocation and best estimates of aritiv5ictic real rates of return for each major asset class are summarised in the following table.;:. Long-term Target Expected Real Asset Class -Allocation Rate of Return Domestic equity 65.00% 4.50% Fixed income 30.00% 3.00% Cash 5.00°/a 1.000/0 Total 100.00% Discount rate The discount rate used to measure the total pension liability was 6.88%. The projection of cash flows used to determine the discount rate assumed that plan member contributions will continue to be made at the current rate and that contributions will be made at rates at least equal to the actuarially determined contribution rates. Based on those assumptions, the pension plaWs fiduciary net position was projected to be available to make all projected future benefit payments of current plan members. Therefore, the long-term expected rate of return on pension plan investments was applied to all periods of projected benefit payments to determine the total pension liability. Page 20 NOTE 11-(Continued) Changes in net pension liability—PWA Pension Plan _ Increase(Decrease) _ Total Pension Plan Fiduciary Net Pension Liability Net Position Liability a (b) a - Balances at June 30,2013 $ 4,869,235 $ 3,260,970 $ 1,608,265 Changes for the year: Service cost 226,520 226,520 Interest 360,702, 360,702 Changes in benefit terms --- Differences between actual and expected experience 35t8y0$1 398,081 Contributions-employer 141,585 (141,589) Contributions-employee 45,886 (45,886) Net investtnent income 469,701 (469,701) Benefit payments,including refunds of member contributions { g4,fl1,0) (294,010)Net changes 691293 363,165 328,128 Balances at June 30,2014 $ 5,560,528 $ 3,624,135 $ 1,936,393 Sensitivity of the Net Pensi6i'Llability to Changes in the Discount Rate The following presents the nefpension liability,calculated using the discount rate of 6.88%, as well as what the net pension liability would be if it*�r6 calculated;rising a discount rate that is 1 percentage point lower(5.88%) or 1 percentage point higher(7.88%)than *current rate: Current 1%Decrease Discount 1%Increase R(5.88%) - (6.88%) (7.88%) Plan net pension liability as of June 30,20I4 $ 2,708,451 $ 1,936,393 $ 1,338,357 Payable to Pension Plan At June 30,2015,the Transit Authority reported a payable of$-0-for the outstanding amount of contributions to the pension plain required for the year ended June 30,2015. Page 21 NOTE Il-(Continued) Pension Expense and Deferred Inflows and Outflows of Resources For the year ended June 30,2015,the Transit Authority recognized pension expense of$245,701. At June 30,2015, the Transit Authority reported deferred outflows and deferred inflows of resources related to pensions from the following sources: Deferred Deferred Outflows of Inflows of Resources Resources Differences between expected and actual experience $ 377,704 $ -- Changes in assumptions -- Not difference between projected and actual earnings on pension plan investments --- 176,552 Contributions subsequent to the measurement date Total $ 765,681-e` $. 176,552 Amounts reported as deferred outflows of resources and deferred meows of resources related to pensions will be recognized in pension expense as follows: Year ended June 30: 2016 $ `'�64,216 2017 (23,761) 2018 (23,761) 2019 (23,761) Thereafter 296;196 s Page 22 NOTE 12-SATCO TRANSIT EMPLOYEE RETIREMENT PLAN(TERP) Trans&Employee Retbmwnl Plan(TERP) The liability for the TERP pension plan of the Authority's major transportation provider, Springfield Area Transportation Company, Inc. (SATCo) is included in the Authority's financial statements under transportation expenses and accrued expenses. The Authority is responsible for funding these expenses. The TERP plan, which is subject to the provisions of the Employment Retirement Income Security Act (ERISA), covers only members of the Amalgamated Transit Union Local No. 448 AFL-CIO (the Union) who were plan participants as of June 30,2008. The TERP plan,as of June 30,2008,was frozen and employee contributions were discontinued upon adoption of the SATCo Employees Retirement Plan(SERF)(see Note 13). Prior to June 30,2008, employees could become members of the plan on their forty-fifth day of employment. The TERP plan provides retirement benefits in the form of an annuities payable monthly for life,commencing on the date of retirement and terminating the month prior to death The benefit is $40 multiplied by the years of credited service through June 30, 2008 when the plan was frozen. Pension provisions also include death and disability benefits,whereby the disabled employee or surviving spouse is entitled to i v,wa reduced annual benefit. Members of the TERP plan became vested after five years of service .Raetiremei11 s.available if a participant has reached the age of 55 with 10 years of service. Normal retirement is ed at age 65 For the years ended June 30, 2015 and 2014, SATCo's pension expense*the TERP plan was $1,000,000 and $1,I60,000,respectively. The funding surplus as of July 1,2014 was,.$1,187,4 .- The funding shortfall as of July 1, 2013 was$1,105,199. The TERP Plan issues a publicly available financial report that includes financial statements and required supplementary information for the plan. The SERP Plan's report can a obtained by writing to Pioneer Valley Transit Authority,2808 Main Street, Springfield,Massachusetts 01107 or by calling(413)732-6248. NOTE 13-SATCO EMPLOYEEE RETIREIHIENT PLAN(SERP) Plan Tbe liability for the SERF pensioa`;plan ,4 the Authority's major transportation provider, Springfield Area Transportation Company, Inc. (SATCa)°is'included in the Authority's financial statements under transportation expenses and accrued expenses. The Authority is responsible for funding these expenses. The Authority is the Plan sponsor. The SERP plan was adopted on July 1,2008. This plan is a governmental plan within the means of Section 414(d)of the Internal Revenue Code and Sections 3(32)and 4021(b)(d)of ERISA and is exempt from funding rules under Title I of ERISA. Pioneer Valley Transit Authority is the Plan Sponsor for the SERP plan. The SERP plan is available to all employees of SATCo who were members of the Transit Employee Retirement Plan(TERP)or have completed 45 days of employment and agree to join the plan via the required member application. The SERP Plan issues a publicly available financial report that includes financial statements and requited supplementary information for the plan. The SERP Plan's report can be obtained by writing to Pioneer Valley Transit Authority,2808 Main Street,Springfield,Massachusetts 01107 or by calling(413)732-6248. Results of the SERP Plan are based on liabilities developed in an actuarial valuation performed as of June 30, 2014 with a measurement date of June 30,2014. Page 23 NOTE 13-(Continued) Salary Reduction Agreement As the Transit Employee Retirement Plan(TERP)had been frozen,and it was determined that employee contributions could not be made directly to a frozen plan,a general funding plan was adopted to fund both the TERP and the SERP. In order to provide for approximately the same total contribution amount to both plans and to maintain funding amount flexibility as needed between the two plans, it was agreed that a unified wage reduction plan be established. Under the agreement, SATCo uses the entire proceeds of the salary reduction program to fund the pension plans. Additionally,SATCo makes contributions into the plans based upon actuarially determined amounts. Accounting Policy For the purposes of measuring the net pension liability, deferred outflows of resources and deferred inflows of resources related to pensions, and pension expense, information about the fiduciary net position of the Pioneer Valley Transit Authority Pension Plan(the Plan)and additions to/deductions from the Plan's fiduciary net position have been determined on the same basis as they are reported by the Plan. For this purpose, Benefit payments (including refunds of employee contributions)are recognized when due and payable in accordance with the benefit terms. Investments are reported at fair value. Plan Membership At June 30,2014,the following employees were covered by the benefit tmm' s: Active employees p 219 Inactive employees entitled but not yet receiving benefits !1 Inactive employees or beneficiaries currently receiving benefits 38 Total 278 Benefits Provided The SERP Plan provides retiremcM"a and disability.benefits. The normal retirement date is the first day of the month following a participant's 0 d birthday.;:,The normal ietirement benefit is a monthly benefit of$40 multiplied by years of credited service. Credited service is elapsed time from date of hire to termination of service date. Credited service for benefit purposes only.considers serviEe,on or after July 1,2008. The normal form of payment is a monthly annuity payable for life. Vesting�Q%o for fewerthan 5 years of service and is 1009/o for 5 or more years of service. Early retirement is available for any.; Odipant who has attained age 55 and completed 10 years of service, 85 "points"or 30 years of service regardless"nf age. Unreduced early retirement is available to anyone with 85 points or 30 years of service at retirement. Otherwise,the amount payable to an early retiree is the participant's accrued benefit at the time of early retirement,reduced by 4%per year for each of the first five years before age 65 plus 5%for each additional year. If a participant works past age 65, the benefit payable on the deferred retirement date will be the greater of(i)the actuarial equivalent of the age 65 accrued benefit or(ii)the benefit calculated using credited service as of the participants deferred retirement date. In the event of death of a participant prior to their retirement,the surviving spouse will receive the amount that would have been paid had the participant retired early and elected the 100%joint and survivor benefit. In the event a participant incurs, prior to their normal retirement date, a disability as defined in the plan agreement, they shall be entitled to a fully vested interest in their accrued pension as of the date of disability. Contributions Each year SATCo and its employees make contributions to the Plan. While there is no statutory or regulatory requirement to contribute the actuarially determined contribution, it is the intent of SATCo to contribute the amount necessary to meet benefit obligations when due, The Company's average contribution rate was 3.68% of annual payroll. Page 24 NOTE 13-(Continued) Actuarial Assumptions The total pension liability in the June 30, 2014 actuarial valuation was determined using the following actuarial assumptions,applied to all periods included in the measurement: Inflation 2.5%as of June 30,2014 and for future periods Salary increases N/A Investment rate of return 6.27%,net of pension plan investment expense, including inflation Cost of living adjustment None Pre-and post-retirement mortality Mortality rates were based upon the 2014 IRS Mortality Table for small plans Employee termination None assumed Retirement age Age 65 or normal.retiremealC:date,if later Pre-retirement death benefit Mortality rates l'ere based! the 2014 IRS Mortality Table for small per= Expenses Investment return is assumed to bi net of plan expenses paid from the,trust The long term rate of return on pension plan investments'was deternrrn"ed using a building-block method in which best-estimate ranges of expected future real rates of tetum(expected tarns, net of pension plan investment expense and inflation)are developed for each asset class..These ranges'arer.cmbined to produce the long-term expected rate of return by weighting the expected future real rates'of return by target asset allocation percentage and by adding expected inflation. The target allocaWn,an.d best estimates of arithmetic real rates of return for each major asset class are summarized in the following table. Long-term Target Expected Real Asset Class Allocation Rate of Return Domestic equity 59.000/0 4.50% Fixed income 35.00% 3.00% Cash 6.00% L00% Total 100.00% Discount rate The discount rate used to measure the total pension liability was 6.27%. The projection of cash flows used .to determine the discount rate assumed that plan member contributions will continue to be made at the current rate and that contributions will be made at rates at least equal to the actuarially determined contribution rates. Based on those assumptions, the pension plan's fiduciary net position was projected to be available to make all projected future benefit payments of current plan members. Therefore, the long-term expected rate of return on pension plan investments was applied to all periods of projected benefit payments to determine the total pension liability. Page 25 NOTE 13-(Continued) Changes in net pension liability—SATCo SERF _Increase(Decrease) Total Pension Plan Fiduciary Net Pension Liability Net Position Liability (a) (a)-(b) Balances at June 30,2013 $ 4,753,763 $ 1,631 318 $ 3,122,445 Changes for the year: Service cost 290,750 290,750 Interest 317,682 317,682 Changes in benefit terms -- Differences between actual and expected experience (63,258) (63,258) Contributions-employer 479,000 (470,000) Contributions-employee ---Net investment income 211,580 (211,580) Benefit payments,including refunds of member contributions (44,384} (44,384) -- Administrative expense (13,093) 13,093 Net changes 50090 624,103 _(123,313} Balances at June 30,2014 $ 5,254,553 $ 2,255,421 $ 2,999,132 Sensitivity of the Net Pension, bility to Cl*hges in die' Discount Rate The following presents the net pension liability, ealculated using the discount rate of 6.27%, as well as what the net pension liability would be if`k r?vere calculated':using a discount rate that is 1 percentage point lower (5.27%) or 1 percentage point higher(7.27%)d*the current rate. Current 1%Decrease Discount 1%Increase (5.27%) (6.27%) (727%) Plan net pension liability as of June 30,2014 $ 3,779,291 $ 2,999,132 $ 2,375,811 Payable to Pension Plan At June 30,2015, SATCo reported a payable of$500,000 for the outstanding amount of contributions to the pension plan required for the year ended June 30,2015. Page 26 ti NOTE 13-(Continued) Pension Expense and Deferred Inflows and Outflows of Resources For the year ended June 30, 2015,the Transit Authority recognized pension expense (reduction) of$(341,753). At June 30,2015,the Transit Authority reported deferred outflows and deferred inflows of resources related to pensions from the following sources: Deferred Deferred Outflows of inflows of Resources . Resources Differences between expected and actual experience $ $ 54,469 Changes in assumptions -- -- Net difference between projected and actual earnings on pension plan investments -- 77,091 Contributions subsequent to the measurement date Total $ 970 000 *^ _ 131,560 Amounts reported as deferred outflows of resources and ferred inflows of resources related to pensions will be recognized in pension expense as follows: Year ended June 30: 2016 $ 941,938 2017 (28,062) 2018 (28,062) 2019 (28,062) Thereafter (19,312) NOTE 14-SATCO TRANSIT MANAGEMENT PENSION PLAN(TMP) 2►amd Management Pension Plan(TMP) The TMP plan is subject to the provisions of ERISA and covers SATCo's nonunion employees who are not covered under the SERF and TERP plans. SATCo is the Plan Sponsor for the TMP plan. Eligible participants must work at least 1,000 hours in a twelve month consecutive period and contribute 4%of their annual compensation into the plan. The TMP plan provides for benefits in the form of an annuity payable for life, with 120 minimum monthly payments guaranteed. The benefit is 2.25% of the average compensation, calculated using the average of the participants'five highest paid consecutive years of service prior to retirement, termination or disability,multiplied by the number of years of service up to 35 years. Pension provisions also include death and disability benefits whereby the disabled employee or surviving spouse is entitled to receive a reduced annual benefit. Members of the TMP plan become fully vested after seven years of service. Retirement is available for participants who have reached the age of 55 with 10 years of service. Normal retirement is attained at age 65. For the years ended June 30,2015 and 2014,SATCo's pension expense for the TMP plan was$100,000 for each year, and the funding surplus was$277,111 and$35,596,respectively. Page 27 NOTE 14-(Continued) The TAP plan issues a publicly available financial report that includes financial statements and required supplementary information for that plan. This report can be obtained by writing to Pioneer Valley Transit Authority, 2808 Main Street,Springfield,Massachusetts 01107 or by calling(413)732-6248. Annual Pension Cost and Net Pension Asset—Transit Management Pension Plan SATCo's annual pension cost and net pension obligation for the TMP plan for the years ended June 30, were as follows: 2015 20I4 Annual required contribution $ -- $ 20,918 Contributions made 110,690) (73,997) Increase(decrease)in net pension obligation (120,690) (53,079) Other adjustments and assumption changes (13%.,25) 275,033 Net pension(asset)obligation at beginning of year 135,596) ' - (25700) Net pension(asset)obligation at end of year $ Q7,7,111) $ (35,596) Funding Policy and Actuarial Assumptions The Plan requires members to contribute 4%of their payroll;and requirosthe Authority to contribute an amount equal to approximately 100/.of the total member payroll Th6 actuarW)pi�and assumptions for the plan are as follows: Valuation date July 1,2014 Actuarial cost method Traditional unit credit cost method Amortization method Level dollar Remaining amortization period initial unfunded 4 years Asset valuation method Market Value Investment rate of return 6.55% Schedule of Funding Progress The Schedule of Pension Funding Progress for the TMP plan included in supplementary information following the notes to the financial statements presents multi-year trend information that reveals the actuarial value of the plan assets is increasing or decreasing over time relative to the actuarial accrued liability for benefits. Three-Year Trend Information-Transit Management Pension Plan Annual Percentage Net Pension Plan Year Pension of APC (Surplus) Ending Cost(APC) Contributed Obligation 06/30/13 $ --- NIA $ (257,550) 06/30/14 $ 20,918 354% $ (35,596) 06/30/15 $ --- N/A $ (277,111) Additional pension disclosures required by generally accepted accounting principles were not available for presentation for the TMP plan, but management of the Authority feels this information would not have a material effect on the financial statements. Page 28 NOTE 15-PVTA OTHER POSTEMPLOYMENT BENEFITS Effective July 1,2008,the Authority adopted GASB No.45,Accounting and Financial Reporting by Employers for Post Employment Benefits Other Than Pensions (OPEB). This statement establishes accounting and financial reporting requirements for employers to measure and report the cost and liabilities associated with other (than pension) post-employment benefits (or OPEB). It imposes similar accounting rules for healthcare benefits (and other retirement benefits) as those now in place for pension benefits. The Authority applied GASB No. 45 on a prospective basis. Plan Description The Pioneer Valley Transit Authority Retiree Welfare Plan is a single-employer defined benefit plan which provides for medical and dental insurance benefits to eligible retirees and their spouses. Employees hired before April 2, 2012 become eligible to retire under this plan upon attainment of age 55 as an active member and completion of 10 years of service(age 60 with 10 years of service for those hired on or after April 2,2012). The plan is a cost sharing plan with employees paying 15%of medical and dental premiums in retirement. As of June 30,2015,there were 31 plan members of which 7 were retirees. The Pioneer Valley Transit Authority Retiree Welfare Plan doe ,'not iss eparate financial statements. In accordance with GASB Statement No. 45, the Authority is not r6gWred,to havd,its actuarial calculation for other post-employment benefit obligations updated annually. The following ctuaria] inform on was derived from the plans valuation as of July 1,2013. Funding Policy The contribution requirements of plan members and the A�thor ere established and may be amended through Authority ordinances. The required contribution is based:on*.prolected pay-as-you-go financing requirements. For fiscal year 2015,total Authority's premiums plus-implicit cysts farfie retiree medical program are$76,973. Annual OPEB Costs and net OPEB Obligation The Authority's annual other post employment benefit("OPEB")cost(expense) is calculated based on the annual required contribution(ARC) of the'`�mp`toyer;. an amauist.acwarially determined in accordance with the parameters of GASB Statement No.45 Thd.-ARC repiei i a le4df funding that, if paid on an ongoing basis,is projected to cover normal cost each year:'kk amortize any` ended actuarial liabilities(or funding excess)over a period not to exceed thirty(30)years. Thalowing table allows the components of the Authority's annual OPEB costs for the fiscal years ended June 30, 201 -yand 2014 the amount actually contributed to the plan, and changes in the Authority's net OPEB obligation as.ta June�30` 2015 2014 Annual required contribution(ARC) $ 438,596 $ 424,193 Interest on net OPEB obligation 69,898 59,963 Adjustment to annual required contribution (97,167) (83,156) Amortization of actuarial(gains)/losses (60,032) (73,843) Annual OPEB cost 351,295 327,157 Contributions made (76,973) _ (78,586) Increase(decrease)in net pension obligation 274,322 248,571 Net OPEB obligation at beginning of year 1,747,429 1,498,858 Net OPEB obligation at end of year $ 2,021,751 $ 1,747,429 Page 29 NOTE 15-(Continued) Three Year Trend Information The Authority's annual OPEB costs,the percentage of the annual OPEB contributed to the plan,and the net OPEB obligation were as follows: Percentage Annual of Annual Plan Year OPEB Employer OPEB Cost Net OPEB Ending Cost Contribution Contributed . Oblation 6/30/13 $ 405,026 $ 103,264 25% $ 1,498,858 6/30114 $ 327,157 $ 78,586 24% $ 1,747,429 6/30/15 $ 351,295 $ 76,973 22% $ 2,021,751 Funded Status and Funding Progress As of July 1,2013,the most recent valuation date, the actuarial liability fot# refits was $2.872 million, and the actuarial value of assets was zero, resulting in an unfunded actuarial accrued li lity(UAAL)of$2.872 million, and the ratio of the UAAL to the covered payroll was 233%. Actuarial valuations of an ongoing plan involve estimates of the,value of rpated amounts and assumptions about the probability of occurrence of events far into the future. E tampl include 4sumptions about future employment, mortality, and the healthcare cost trend. Amounts determined.regding the funded status of the plan and the annual required contribution of the employer are subject to continual revision as actual results are compared with past expectations and new estimates are made about the fitM47- Tine schedule of funding progress,presented in the required supplementary information following the:fmancial stateme s,presents multi-year trend information about whether the actuarial value of plan assets is increasing or decreasing over time relative to the actuarial accrued liabilities for benefits. Actuarial Methods and Assumptions Projections of benefits for fsnancial reporting pi6oses are based on the substantive plan(the plan as understood by the employer and plan membdis)?and include the types of benefits provided at the time of each valuation and the historical pattern of sharing of btnefrt costs between the employer and plan members to that point. The actuarial methods and assumptions used incldditech#iques that are designed to reduce the effects of short-term volatility in actuarial accrued liabilities and the actuarial value of assets, consistent with the long-term perspective of the calculations. Valuation Date: July 1,2013 Actuarial Cost Method: Projected Unit Credit Investment Rate of Return: 4.00%per annum Healthcare Cost Trend Rates: Assumed a 5%increase in medical costs for fiscal year 2015. General Inflation Assumption: 2.50%per annum Annual Compensation Increases: 3.00%per annum Actuarial Value of Assets: Market Value Amortization of UAAL: Amortized as level dollar atnount over 30 years with 23 years remaining at June 30,2015 Page 30 NOTE 16-SATCO OTHER POSTEMPLOYMENT BENEFITS The liability for other post employment benefits of the Authority's major transportation.provider, Springfield Area Transit Company, Inc. (SATCo) is included in the Authority's financial statements under transportation expense and long-term accrued expenses. The Authority is responsible for funding these expenses of SATCo. Effective July 1,2007, SATCo adopted GASB No.45,Accounting and Financial Reporting by Employers for Post Employment Benefits Other Than Pensions(OPEB). Plan Description Springfield Area Transportation Company, Inc.provides for medical insurance benefits to eligible retirees and their spouses. An employee becomes eligible to retire under this plan upon attainment of age 55 with 10 years of service or an employee shall be able to retire with 20 years of service regardless of age. For employees hired prior to July 1, 1990, an employee shall become eligible to retire under this plan upon the attainment of age 55 as an active member and completion of 10 years of service. As of June 30, 2015,there were 355 plan members of which III were retirees. Cost Sharing: 25%of premiums for non-Medicare integrated plans 0%for Medicare integrated plans. Retirees pay 100°10 of premiums for dental insurance. Springfield Area Transportation Company,Inc.does not issue_.sepairate financiM.-statements on this plan. Funding Policy The contribution requirements of plan members and:SATCo.are established and may be amended through SATCo ordinances. The required contribution is based an the projected parrs-you-go financing requirements. For fiscal year 2015 and 2014, SATCo premiums plus implicit costs for'the retiree medical program were $491,373 and $561,589. Annual OPEB Cost and Net.QPPB Obingaiieu SATCo's annual other post employment benefit ("OPEB") cost (expanse) is calculated based on the annual required contribution(ARC)othe employer,an'amount actuarially determined in accordance with the parameters of GASB Statement No.45. The C reprets a level of funding that,if paid on an ongoing basis,is projected to cover normal cost each year and amortize auy unfunded actuarial liabilities(or funding excess)over a period not to exceed thirty(30)years. The followiiit '':alile shows the components of SATCo's annual OPEB costs for the fiscal years June 30, the amount actually contributed to the plan and changes in SATCo's net OPEB obligation to the plan: 2015 2014 Annual required contribution(ARC) $ 2,488,185 $ 2,439,794 Interest on net OPEB obligation 471,669 396,059 Adjustment to annual required contribution (655,689) (550,581) Amortization to actuarial(gains)I losses 301,454 166,542 Annual OPEB cost 2,605,619. 2,451,814 Contributions made (491,373) (56,15P) Increase(decrease)in net pension obligation 2,114,246 1,890,225 Net OPEB(asset)obligation at beginning of year 11,791,718 9,901,493 Net OPEB(asset)obligation at end of year $ 13,905,964 $ 11,791,718 Page 31 NOTE 16-(Continued) Three Year Trend Information SATCo's annual OPEB cost, the percentage of the annual OPEB cost contributed to the plan, and the net OPEB obligation were as follows: Percentage Annual of annual Plan Year OPEB Employer OPEB Cost Net OPEB Ending Cost Contribution Contributed Obligation 06/30/13 $ 2,336,826 $ 488,333 21% $ 9,901,493 06/30/14 $ 2,451,814 $ 561,589 23% $ 11,791,718 06/30/15 $ 2,605,619 $ 491,373 19% $ 13,905,964 Funded Status and Funding Progress As of June 30, 2015,the most recent valuation date,the plan was Zero funded The actuarial liability for benefits was $24.58 million, and the actuarial value of assets was $0, rest*�in an unfuOde4actuarial accrued liability (UAAL)of$24.58 million. Actuarial valuations of an ongoing plan involve estimates of thpwalue of teed amounts and assumptions about the probability of occurrence of events far into the future ) nptes';:include assumptions about future employment, mortality, and the healthcare cost trend. Amounts deter lined It d qg the funded status of the plan and the annual required contribution of the employer are subject fo'continual r sion as actual results are compared with past expectations and new estimates are made about he future '.The schedule of funding progress,presented in the required supplementary informmation following the financial staterrs,presents multi-year trend information about whether the actuarial value of plan assets is inuring or decreasing over time relative to the actuarial accrued liabilities for benefits. Actuarial Methods and Assumptions Projections of benefits for finatgal reporting putposes are based on the substantive plan(the plan as understood by the employer and plan membeio d include the types of benefits provided at the time of each valuation and the historical pattern of sharing of benefit costs between the employer and plan members to that point. The actuarial methods and assumptions used include 4ques that are designed to reduce the effects of short-term volatility in actuarial accrued liabilities and the actuarial value of assets, consistent with the Iong-term perspective of the calculations. Valuation Date: June 30,2015 Actuarial Cost Method: Projected Unit Credit Investment Rate of Return: 4.009/o per annum General Inflation Assumption: 2.50%per annum Annual Compensation Increases:3.00 per annum% Healthcare Trend Rates: 5%per annum Actuarial Value of Assets: Market Value Amortization of UAAL: Amortized as level dollar amount over 30 years with 22 years remaining at June 30,2015 Page 32 NOTE 17-CHANGE IN ACCOUNTING PRINCIPLE Net position as of June 30, 2014, has been restated as follows for the implementation of GASB Statement No. 68, Accounting and Financial Reporting for Pensions, as amended by GASB Statement No. 71,Pension Transition for Contributions Made Subsequent to the Measurement Date. Net position as previously reported at June 30,2014 $ 56,335,146 Prior period adjustment Reporting for pensions(measurement date as of June 30,2014) (3,604,008) Net position as restated,June 30,2014 $ 52,731,138 NOTE IS-FIICED ROUTE INCOME CONSISTED OF THE FOLLOWING TOR THE YEARS ENDED JUNE 30: 2015 _ VtEiance Favorable 2014 Budget Actual.- (Unfavorable) Actual Fare income $ T 5,037,800 $y;: 4,890,737 V - (147,063) $ 4,698,056 Adult passes 1,281,685 1,355,62t 73,936 1,309,621 Other passes 671,065 : 688jAso 17,419 677,632 Tokens 93,518 92,732 (786} 89A96 Total $ 7,08i:068 $ 7,027 574 $ 56,494) $ 6,774,805 NOTE 19-coma ITMENTB A�TD`4 O' GENT LIABILITIES Fiscal year 2016 budget For the fiscal year 2016,the Authority has approved an operating budget of$46,680,120 which excludes depreciation expense. This budget includes grant-matching expenditures, which the Authority is required to meet as its share of Federal and State programs. Federal and State funding Amounts received or receivable from grant agencies are subject to audit and adjustment by grantor agencies, principally the federal and state governments. Any disallowed claims, including amounts already collected, may constitute a liability of the applicable funds. As of the date of the financial statements,the Authority is not aware of any expenditure that may be disallowed by a grantor. Risk management The Authority is exposed to various risks of loss related to torts, theft, damage and destruction of assets, errors and omissions,natural disasters,and workers compensation claims for which the Authority carries commercial insurance. Page 33 NOTE 19—(Continued) Litigation and seljinsurance In the normal course of operations, the Authority has been named.in various claims and litigation. Based upon information available to counsel and the Authority,management believes that the ultimate outcome from these claims and litigations will not have a material adverse affect on the Authority's financial position The Authority is self-insured for property damage and personal injury related to operations to a maximum amount of $750,000 per incident. An excess liability, up to a maximum of$5 million of losses per policy year, is covered by comprehensive insurance policies. It is the policy of the Authority to record a liability for reported claims as well as claims incurred and not yet reported based on a review of specific claims and incidents. Insurance claims have not exceeded imrance coverage in the past three years. At June 30, 2015, the Authority's insurance claims reserve is $1,750,000 for the self-insured portion of the risks associated with property damage and personal injury. A summary of the activity in the claims liability account during the years ended.June 30 are as follows: 215;, 2014 Insurance claims reserve, beginning $ 1,50Q000 $ 1,450,000 Increase in reserve for claims provisions 521— 496,351 Claims paid ; 271,619 ' (446,351) Insurance claims reserve,ending $ 1,75,000 $ 1,500,000 Page 34 PIONEER VALLEY TRANSIT AUTHORITY SCHEDULE OF CHANGES IN NET PENSION LIABILITIES AND RELATED RATIOS Required Supplementary Information June 30,2015 'Phan Year End Jane 30,2014_ PVTA Pension Plan SAM SERP Plan Total pension liability (see also Note 11) see also Note 13 Service cost $ 226,520 $ 290,750 Interest 360,702 317,682 Changes of benefit terms --- Differences between expected and actual experience ;398,081 (63,258) Changes of assumptions --- -_- Benefit payment,including refunds of employee contributions ^^ .. (2 4 C44,394) Net change in total pension liability 691,293 500,790 Total pension liability,beginning 4,869,235- _ 4,753,763 Total pension liability,ending(a) $ `56Q,528 $ 5,254,553 Plan fiduciary net position. Contributions-employer $ 141,583 $ 470,000 Contributions-employee 45,886 --- Net investment income 469,701 211,580 Benefit payments, including refunds of employee contributions (294,010) (44,384) Administrative expense -- (13,093) Net change in plan fiduciary net position 363,165 624,103 Plan fiduciary net position,beginning 3,260,970 1,631,318 Plan fiduciary net position,ending(b) $ 3,624,135 $ 2,255,421 Net pension liability(a)-(b) $ 1,936,393 $ 2,999,132 Plan fiduciary net position as a percentage of the total pension liability 65,18% 42.92°fp Covered employee payroll $ 1,I69,373 $ 12,774,455 Net pension liability as a percentage of covered employee payroll I 65.59% 23 A8% See independent auditors`report Page 35 PIONEER VALLEY TRANSIT AUTHORITY SCHEDULE OF PENSION CONTRIBUTIONS Required Supplementary Information June 30,2015 Plan Year End June 30�2014 PVTA Pension Plan SATCo SERP Plan (see also Note 11) (see also Note 13) Actuarially determined contribution $ 423,935 $ 586,396 Contributions in relation to the actuarially determined contribution 187,474 _ 470,000 Contribution deficiency(excess) .;.' 236��461 $ w 1� 16,395 Covered employee payroll $.: 1,169,373 $ 12,774,455 Contribution as a percentage of covered employee payroll =,16.03% 3.68% Notes to Schedules for PVTA Pension Plan and SATCo SERF Plan Valuation date: Actuarially determined contribution rates are calculated as.of June 30,2614. Methods and assumptions used to de f ire cad#rMution rates. Actuarial cost method: Efty age normal amortization method: 15 year level dollar of the existing net pension ''liability as of the valuation date Remaining amortization period 15 years. Fresh start method with amortization remaining unfunded amortized each year. Asset valuation method Market value of assets as of the measurement date Inflation:PVTA Pension Plan 3%as of June 30,2014 and for future periods Inflation:SATCo SERP Pension Plan 2.51/o as of June 30,2014 and for future periods Salary increases:PVTA Pension Plan 4%annually as of June 30,2014 and for future periods Salary increases:SATCo SERF Plan NIA Investment rate of return:PVTA Pension Plan 6.88%,net of pension plan investment expense,including inflation for small plans Investment rate of return: SATCo SERF Plan 6.27%,net of pension plan investment expense,including inflation for small plans See independent auditors'report Page 36 PIONEER VALLEY TRANSIT AUTHORITY Schedule of Retiree Health Plan landing Progress Other Post Employment Benefits Required Supplementary Information June 30,2015 Pioneer Valley Transit Authority Retiree Welfare Plan: ([b-a]/c) (a) (b) (b-a) UAAL as Actuarial Actuarial Actuarial Unfunded (a/b (c) a%of Valuation Value of Accrued AAL Funded Covered Covered Date Assets Liability(AAL) AAL Ratio Payroll Payroll k 07/01/09 $ --- $ 4,772,371 $ 4,772,371 % $ i,064,727 448°/a 07/01/10 $ — $ 2,501,977 $ 2,501,977 0 ;,. $ 1,106,502 226% 07/01/11 $ $ 2,647,677 $ 2,647,677,:, Oa%� $ 1,156,295 229% 07/01/12 $ --- $ 2,820,795 $ 2,S2U,795 0% $ 1,208,328 233% 07101/14 $ $ 2,872,450 $ 2$72,450Y Qua $ 1,231,462 233% Springfield Area Transit Compan 4kc.,-OtherPgst-Employment Benefits: (b) Actuarial ([b-a]/o} (a) Accrued (b-a) UAAL as Actuarial Actuarial Liability Unfunded (alb) (c) a%of Valuation Value of Frvr.Eitry AAL Funded Covered Covered Date Assets Ake T (UAAL) Ratio Payroll Payroll 06/30/10 $ --- $ 17,800,000 $ 17,800,000 0% $ 10,229,063 1740/a 06/30/11 $ $ 18,823,000 $ 18,823,000 0% $ 10,401,243 181% 06/30/12 $ -- $ 19,863,000 $ 19,863,000 0% $ 10,954,027 181% 06/30/13 $ $ 21,364,000 $ 21,364,000 00/0 $ 11,000,931 194% 06/30/14 $ --- $ 22,879,408 $ 22,879,408 0% $ 11,416,115 200a/o 06/30/15 $ -- $ 24,583,438 $ 24,583,438 0% $ 12,774,455 192% See independent auditors'report Page 37 PIONEER VALLEY TRANSIT AUTHORITY STATEMENT OF NET COST OF SERVICE For the Year Ended June 30, Total Total Service Area Service Area 2015 2014 Operating costs Administrative costs $ 4,132,952 $ 4,008,134 Purchased services Fixed route 32,957,300 29,308,748 Paratransit 7,794,946 8,114,630 Shuttle 259,959 263,955 Debt service 72,895 190,238 Eliminate GASB 45 other post employment benefits expense A2 388,568) (2,138,798) Eliminate GASB 68 reduction to pension expense -96,052 --- Total operating costs 42,925,436 39,746,909 Operating assistance and revenues Federal operating and administrative assistance `: 3,366,626 5,795,128 Other operating assistance M4,122 360,713 Revenues Local revenues Fixed route 7,027,574 6,774,805 Paratransit 722,680 678,258 Shuttle 30,043 32,226 Advertising 301,933 363,859 Other income 64,452 60,342 Interest 31,929 41,589 Total operating assistance a44wrevenues 12,329,359 14,106 920 Net operating deficit 30,596,077 25,639,989 Increase in reserve for extraordinary expense 211,971 206,801 Net cost of service $ 30 808,048 $ 25,8469790 Local assessments $ 7,827,620 $ 7,065,703 State contract assistance 22,980,428 18,7819087 Total $ 30,808,048 $ 25,846:790 The following nonreimbursable items asp not included in the eligible expenses above: Depreciation taken on property and equipment purchased with capital grant funding GASB 45 adjustment for the change in the Authority's other post employment benefits GASB 68 adjustment for the change in the Authority's net pension liabilities See independent auditors`report Page 38 INDEPENDENT AUDITORS'REPORT ON INTERNAL CONTROL OVER FINANCIAL REPORTING AND ON COMPLIANCE AND OTHER MATTERS BASED ON AN AUDIT OF FINANCIAL STATEMENTS PERFORMED IN ACCORDANCE WITH GOVERNMENT AUDITING STANDARDS To the Advisory Board of the PIONEER VALLEY TRANSIT AUTHORITY 2809 Main Street Springfield,MA 01107 We have audited, in accordance with the auditing standards generaW a66#"� ed in the United States of America and the standards applicable to financial audits contained in Governme"t Audit rig Standards'issued by the Comptroller General of the United States, the financial statements of the busines Type activities of Pioneer Valley Transit Authority, as of and for the year ended June 30, 201:5, and the related notes to the financial statements, which collectively comprise Pioneer Valley Transit Authori(j+'s basic financial statements, and have issued our report thereon dated September 11,2015. Internal Control Over FinancOReporting In planning and performing our au"the finantc statements,we considered Pioneer Valley Transit Authority's internal control over financial reportingfinterd-control) to determine the audit procedures that are appropriate in the circumstances for the purpose of expi*siag our opinion on the financial statements, but not for the purpose of expressing an opinion on the effectiveness of Pioneer Valley Transit Authority's internal control. Accordingly,we do not express an opinion on the effectiveness of Pioneer Valley Transit Authority's internal control. A deficiency in internal control exists when the design or operation of a control does not allow management or employees, in the normal course of performing their assigned functions, to prevent, or detect and corned misstatements on a timely basis. A material weakness is a deficiency,or a combination of deficiencies, in internal control, such that there is a reasonable possibility that a material misstatement of the entity's financial statements will not be prevented, or detected and corrected on a timely basis. A significant deficiency is a deficiency, or a combination;of deficiencies, in internal control that is less severe than a material weakness,yet important enough to merit attention by those charged with governance. Our consideration of internal control was for the limited purpose described in the first paragraph of this section and was not designed to identify all deficiencies in internal control that might be material weaknesses or, significant deficiencies. Given these limitations, during our audit we did not identify any deficiencies in internal control that we consider to be material weaknesses. However,material weaknesses may exist that have not been identified. Page 39 Compliance and Other Matters As part of obtaining reasonable assurance about whether Pioneer Valley Transit Authority's financial statements are free from material misstatement, we performed tests of its compliance with certain provisions of laws, regulations,contracts,and grant agreements, noncompliance with which could have a direct and material effect on the determination of financial statement amounts. However, providing an opinion on compliance with those provisions was not an objective of our audit, and accordingly, we do not express such an opinion. The results of our tests disclosed no instances of noncompliance or other matters that are required to be reported under Government Auditing Standards. Purpose of this Report The purpose of this report is solely to describe the scope of our testing of internal control and compliance and the results of that testing, and not to provide an opinion on the effectiveness,6f,the:,entity's internal control or on compliance. This report is an integral part of an audit performed in ac re with Government Auditing Standards in considering the entity's internal control and compliance Accaly, this communication is not suitable for any other purpose. ADF ;SON&CQMpANY PC Pittsfield,llilA September l l- 015 PIONEER VALLEY TRANSIT AUTHORITY Schedule of Expenditures of Federal Awards and OMB A-133 Auditor's Reports Year Ended June 30,2015 Table of COntl]t5 Page Independent Auditors'Report on Compliance For Each Major Program and on Internal Control over Compliance Required By OMB Circular A-133 2-3 Independent Auditors'Reportgi�Internal ContrdOver Financial Reporting and on Compliance a'"I:Qther Matters Based on an Audit of Financial Statements Performed in Acpa,idance with Government Auditing Standards 4-5 Schedule of Expenditures of Federal Awards 6 Notes to Schedule of Expenditures of Federal Awards 7 Findings and Questioned Costs 8 Page 2 Adelson & Company PC Richard t T. Visc he,CPA Vlocen T. lacuso,CP.9 CERTIFIED FuRuc ACCOUNTANTS GaryJ.Moynihan,CPA Established 1938 Carol Lelbinger-Healey.CPA David M.Irwin,Jr.,CPA MEPENDENT AUDITORS'REPORT ON COMPLIANCE FOR EACH MAJOR PROGRAM AND ON INTERNAL CONTROL OVER COMPLIANCE REQUIRED BY OMB CIRCULAR A-133 To the Advisory Board of the PIONEER VALLEY TRANSIT AUTHORITY 2808 Main Street Springfield,MA 01107 Report on Compliance for Each Major Federal Program We have audited Pioneer Valley Transit Authority's compliance wiffithe types v ompliance requirements described in the OMB Circular A-133 Compliance Supplement that co, ld have direct and material effect on each of Pioneer Valley Transit Authority's major federal programs for the year'enfiedJune 30, 2015. Pioneer Valley Transit Authority's major federal programs are identified in the sum matyof auditor's results section of the accompanying schedule of findings and questioned costs. Management's Responsibility Management is responsible for camp`Ctan0o,with the;. requirements of laws, regulations, contracts, and grants applicable to its federal programs, -' Auditors'Responsibilitf Our responsibility is to express an opinion on;compliance for each of Pioneer Valley Transit Authority's major federal programs based on our audit 'the types of compliance requirements referred to above. We conducted our audit of compliance in accordance with auditing standards generally accepted in the United States of America;the standards applicable to financial audits contained in Government Auditing Standards, issued by the Comptroller General of the United States; and OMB Circular A-133, Audits of States, Local Governments, and Non-Profit Organizations. Those standards and OMB Circular A-133 require that we plan and perform the audit to obtain reasonable assurance about whether noncompliance with the types of compliance requirements referred to above that could have a direct and material effect on a major federal program occurred. An audit includes examining,on a test basis, evidence about Pioneer Valley Transit Authority's compliance with those requirements and performing such other procedures as we considered necessary in the circumstances. We believe that our audit provides a reasonable basis for our opinion on compliance for each major federal program. However,our audit does not provide a legal determination of Pioneer Valley Transit Authority's compliance. Opinion on Each Major Federal Program In our opinion, Pioneer Valley Transit Authority complied, in all material respects, with the types of compliance requirements referred to above that could have a direct and material effect on each of its major federal programs for the year ended June 30,2015. 100 NORTH STREET,P117SKELD,MA 01201, PHONE(413)443-6408, FAX(413)443-7838 21 MECHANIC STREET,(;R&kT BARRINGTON,NIA 01230, PHONE(413►528-5699, FAX(413)528-5626 " W.ADELSDt\CPA.CON1 Is ERWL:1NPO@ADELSONCPA.COM MKIOBERS:AAIERICA.V IVSTITUTE OF CERTIFIED P[!BL]C ACOUNTAWS,MASSACHUSETTS SOCIETY OF CERTIFIED PUBLIC.A000UNTAVTS Page 3 Report on Internal Control Over Compliance Management of Pioneer Valley Transit Authority is responsible for establishing and maintaining effective internal control over compliance with the types of compliance requirements referred to above. In planning and performing our audit of compliance,we considered Pioneer Valley Transit Authority's internal control over compliance with the types of requirements that could have a direct and material effect on each major federal program to determine the auditing procedures that are appropriate in the circumstances for the purpose of expressing an opinion on compliance for each major federal program and to test and report on internal control over compliance in accordance with OMB Circular A 133, but not for the purpose of expressing an opinion on the effectiveness of internal control over compliance. Accordingly, we do not express an opinion on the effectiveness of Pioneer Valley Transit Authority's internal control over compliance. A deficiency in internal control over compliance exists when the design or operation of a control over compliance does not allow management or employees, in the normal course of performing their assigned functions,to prevent,or detect and correct,noncompliance with a type of compliance requirement of a federal program on a timely basis. A material weakness in internal control over compliance is a deficiency, or combination of deficiencies, in internal control over compliance, such that there is a reasonable possibility that material noncompliance with a type of compliance requirement of a federal program will not be prevented, or detee Ltd corrected, on a timely basis. A significant deficiency in internal control over compliance is a deficiency,or a nhination of deficiencies,in internal control over compliance with a type of compliance requirement of a federal pr��am that is less severe than a material weakness in internal control over compliance,yet important enoh to�nerit""on by those charged with governance. Our consideration of internal control over compliance was forthelimated pumaie,described in the first paragraph of this section and was not designed to identify all deficiencies in j0erval control over compliance that might be material weaknesses or significant deficiencies. We did :not rdentij�":,any deficiencies in internal control over compliance that we consider to be material weaknesses However,material weaknesses may exist that have not been identified. Report on Schedule of Expenditures of Federal Awatsds Required by OMB Circular A-133 We have audited the financial statemettts';ofthe:business-�type activities of Pioneer Valley Transit Authority as of and for the year ended June 30, 2Q0 and the relied notes-to the financial statements, which collectively comprise Pioneer Valley Transit Auhhorilt,s basic fin=ccW:�statements. We issued our report thereon dated September 11, 2015, which contained an unQtf ed opinion those financial statements. Our audit was conducted for the purpose of forming an opinion on the„fnancial=.0fatements that collectively comprise the basic financial statements. The accompanying schedule of expenditures t�i`iWeral awards is presented for purposes of additional analysis as :. e required by OMB Circular A-133 and is'ir9t a required part of the basic financial statements. Such information is the responsibility of management and was derived from and relates directly to the underlying accounting and other records used to prepare the basic financial statements. The information has been subjected to the auditing procedures applied in the audit of the financial statements and certain additional procedures, including comparing and reconciling such information directly to the underlying accounting and other records used to prepare the basic financial statements or to the basic financial statements themselves, and other additional procedures in accordance with auditing standards generally accepted in the United States of America. In our opinion, the schedule of expenditures of federal awards is fairly stated in all material respects in relation to the basic financial statements as a whole. The purpose of this report on internal control over compliance is solely to describe the scope of our testing of internal control over compliance and the results of that testing based on the requirements of OMB Circular A-133. Accordingly,this report is not suitable for any other purpose. ADELSON&COMPANY PC Pittsfield,MA September 11,2015 Page 4 INDEPENDENT AUDITORS'REPORT ON INTERNAL CONTROL OVER FINANCIAL REPORTING AND ON COMPLIANCE AND OTHER MATTERS BASED ON AN AUDIT OF FINANCIAL STATEMENTS PERFORMED IN ACCORDANCE WITH GOVERNMENT AUDITING STANDARDS To the Advisory Board of the PIONEER VALLEY TRANSIT AUTHORITY 2808 Main Street Springfield,MA 01107 We have audited, in accordance with the auditing standards generall'."'accepted'in the United States of America and the standards applicable to financial audits contained in Qovernoont 4 ifing Standards issued by the Comptroller General of the United States, the financial statements of the business-type activities of Pioneer Valley Transit Authority, as-of and for the year ended June 30, biS, andAe, rokied notes to the financial statements, which collectively comprise Pioneer Valley Transit Au#ltazity's basic uncial statements, and have issued our report thereon dated September 11,2015 Internal Control Over Financrat Deporting In planning and performing our", it of the financial statements, we considered Pioneer Valley Transit Authority's internal control over financial repottl (internal control)to determine the audit procedures that are appropriate in the circumstances for the purpose of exp ss� g our opinions on the financial statements, but not for the purpose of expressing an opinion on the effectiverie"f Pioneer Valley Transit Authority's internal control. Accordingly, we do not express an opinion on the effectiveness of Pioneer Valley Transit Authority's internal control. A deficiency in internal control exists when the design or operation of a control does not allow management or employees, in the normal course of performing their assigned functions, to prevent, or detect and correct misstatements on a timely basis. A material weakness is a deficiency, or a combination of deficiencies,in internal control,such that there is a reasonable possibility that a material misstatement of the entity's financial statements will not be prevented, or detected and corrected on a timely basis. A significant nt deficiency is a deficiency, or a combination of deficiencies, in internal control that is less severe than a material weakness,yet important enough to merit attention by those charged with governance. Our consideration of internal control was for the limited purpose described in the first paragraph of this section and was not designed to identify all deficiencies in internal control that might be material weaknesses or, significant deficiencies. Given these limitations,during our audit we did not identify any deficiencies in internal control that we consider to be material weaknesses. However,material weaknesses may exist that have not been identified. Page 5 Compliance and Other Matters As part of obtaining reasonable assurance about whether Pioneer Valley Transit Authority's financial statements are free from material misstatement, we performed tests of its compliance with certain provisions of laws,regulations, contracts, and grant agreements, noncompliance with which could have a direct and material effect on the determination of financial statement amounts. However, providing an opinion on compliance with those provisions was not as objective of our audit, and accordingly, we do not express such an opinion. The results of our tests disclosed no instances of noncompliance or other matters that are required to be reported under Government Auditing Standards. Purpose of this Report The purpose of this report is solely to describe the scope of our testing of internal control and compliance and the results of that testing, and not to provide an opinion on the effectiveness.,,of the entity's internal control or on compliance. This report is an integral part of an audit performed in accords with Government Auditing Standards in considering the entity's internal control and compliance. Accordingly,this cimmunication is not suitable for any other purpose. ADB 614'towmy Pc Pittsfield, ► September 11 2015 Page 6 PIONEER VALLEY TRANSIT AUTHORITY SCHEDULE OF EXPENDITURES OF FEDERAL AWARDS For the Year Ended June 30,2015 Pass-Through Federal Entity Federal Grantor/Pass-Through Grantor/ CFDA Identifying Federal Program or Cluster Title Number Number Expenditures U.S.Department of Transportation Federal Transit Administration Federal Transit Cluster 5307 and 5309/5339 Direct Programs Section 5307 Capital and planning assistance 20.507 MA-90-X699 5 1,595,027 Capital assistance 20.507 MA-90-X594 171,973 Capital assistance 20.507 11A-90-X612 158,540 Capital assistance 20307 li�A-90-X645 532,535 Capital and planning assistance 45, 07 9&"-90-X667 567,314 Capital and planning assistance 20 507' MA-90-X703 4,532,208 Capital assistance 20� dT MA-95.7X620 74,142 American Recovery and Reinvestment Act capital assistance 20.501 MA-66-XO02 205,452 Capital assistance 20.507 MA-90-X725 61,719 ADA assistance �507 'MA-90-X725 1,139,689 Preventive maintenance assistance 20547: MA-90-X703 2 064,480 SubtoW 5307 11,102,079 Section 5309/5339 Capital assistance 24.500 MA-03-0230 66,089 Capital assistance 20.500 MA-04-0057 2,164 Capital assistance 20.500 MA-04-0076 67,034 Capital assistance 20.526 MA-34-0001 269,065 Capital assistance 20.526 MA-34-0004 804,734 Subtotal 5309/5339 1,209,082 Total Federal Transit Cluster 5307 and.;3309153 Direct Programs 12,311,161 Other Direct Programs Section 5317 New Freedom,operating 20.521 MA-57-XO30 169,187 Section 5317 New Freedom,operating 20.521 MA-57-XO21 68,776 Section 5316 Job Access Reverse Commute,operating 20.516 MA-37-X709 356,132 Section 115 capital assistance 20.205 MA-15-XO04 235,136 Section 115 capital assistance 20.205 MA-15-X011 _1,118,081 118,081 Total Other Direct Programs _ 1,947,312 TOTAL EXPENDITURES OF FEDERAL AWARDS $ 11258,473 f 1 P See accompanying notes to schedule of expenditures of federal awards. r Page 7 PIONEER VALLEY TRANSIT AUTHORITY NOTES TO SCHEDULE OF EXPENDITURES OF FEDERAL AWARDS June 30,2015 NOTE I-BASIS OF PRESENTATION The accompanying schedule of expenditures of federal awards(the Schedule)includes the federal grant activity of the Pioneer Valley Transit Authority under programs of the federal government for the year ended June 30,2015. The information in this Schedule is presented in accordance with the requirements of OMB Circular A-133, Audits of States, Local Governments, and Non-Profit Organizations. Beca *.,'the Schedule presents only a selected portion of the operations of the Pioneer Valley Transit Authority, it tsnot intended to and does not present the financial position,changes in net position,or cash flows of tine Pioneer*ley Transit Authority. NOTE 2-SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES Expenditures reported on the Schedule are reported on the accrual basis of accounting. Such expenditures are recognized following the cost principles contained in OMB circular A- 7j,,C'ost Principles for State, Local, and Indian Tribal Governments, wherein certain types.:gf expenditures aye not allowable or are limited as to reimbursement. Pass-through entity identifying numbers ate presented v0here available. Page 8 PIONEER VALLEY TRANSIT AUTHORITY SCHEDULE OF FINDINGS AND QUESTIONED COSTS JUNE 30,2015 SECTION I—SUMMARY OF AUDITORS'RESULTS Financial Statements Type of auditors' report issued: Unmodified Internal control over financial reporting: • Material weaknesses identified? —yes ✓no • Significant deficiencies identified? --yes ✓none reported Noncompliance material to financial statements noted? dyes ✓no Federal Awards Internal control over major programs: • Material weaknesses identified? _yes ✓no • Significant deficiencies identified? des ✓none reported Type of auditors' report issued on compliance for major programs °Unih�ified • .Any audit findings disclosed that are required to be reported in accordance with section 510(a)of Circular A'1337 yes !�no Identification of major programs:. See detail on Schedule of Expenditures of Fed "Awards CFDA Number i al Grantor Cluster Fedeiat';'I'rar t Administration Cluster: 20.500,20.507,20.526 Sectio&5307 and 53 09/53 39 Federal Transit Cluster 20.205 Federal Highway Administration Planning and Construction Dollar threshold to distinguish between type A and type B programs: $427,754 Auditee qualified as low-risk auditee? _des _no SECTION II—FINANCIAL STATEMENT FINDINGS There were no findings for the year ended June 30,2015. SECTION III—FEDERAL AWARD FINDINGS AND QUESTIONED COSTS There were no findings or questioned costs for the year ended June 30,2015. STATUS OF PRIOR YEAR AUDIT FINDINGS AND QUESTIONED COSTS There were no findings or questioned costs for the prior year ended June 30,2014. NOTICE Pioneer Valley Transit Authority Contact: Brandy Larnour 413-732-62ig x201 blamour@pvta.com _ REGULAR MEETING of the PVTA ADVISORY BOARD WILL TAKE PLACE ON - WEDNESDAY, November 18, 2015 A 12:00 NOON at PVTA ADMINISTRATION OFFICE 2808 Main Street 3`1 Floor Conference Room Springfield,MA 01107 AGENDA INFORMATION ACTION 1. Roll Call x 2. Approval of Minutes: • September 23, 2015 Regular Advisory Board Meeting x 3. Election of Chairman x 4. Administrator's Contract x 5. Administrator's Review x 6. Administrator's Report x 7. 5-Year Capital Plan—CFO x 8. Manager of Planning & Operations Report x 9. New Business x 10. Old Business x 11. Adjournment x Notice: In the event that no quorum is reached,an Executive Committee meeting will be held. All Board members present will be invited to attend. Next Regular Advisory Board Meeting: Wednesday,January 27, 2016