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HomeMy WebLinkAbout4-2TRUCKEE DONNER PUBLIC UTILITY DISTRICT NOTES TO FINANCIAL STATEMENTS December 31, 2017 and 2016 NOTE 8 —EMPLOYEE BENEFIT PLANS (Continued) B. PENSION LIABILITIES, PENSION EXPENSES AND DEFERRED OUTFLOWS/INFLOWS OF RESOURCES RELATED TO PENSIONS As of December 31, 2017, the District reported net pension liabilities for its proportionate shares of the net pension liability as follows: Proportionate Share of Net Pension Liability Fiscal Year Ending June 30, 2017 June 30, 2016 $11, 975, 655 $10,250,329 The District's net pension liability is measured as a proportionate share of the net pension liability. The net pension liability is measured as of June 30, 2017, and the total pension liability used to calculate the net pension liability was determined by an actuarial valuation as of June 30, 2016 rolled forward to June 30, 2017 using standard update procedures. The District's proportion of the net pension liability was based on a projection of the District's long-term share of contributions to the pension plans relative to the projected contributions of all participating employers, actuarially determined. The District's proportionate share of the net pension liability for the Plan for the measurement date of June 30, 2017 and June 30, 2016 is as follows: Percentage Share of Risk Pool Measurement Date June 30, 2017 June 30, 2016 Change Percentage of Plan NPL 0.30379% 0.29837% 0.00542% For the years ended December 31, 2017 and 2016 the District recognized pension expense of $2,269,610 and $1,220,591 respectively. At December 31, 2017 the District reported deferred outflows of resources and deferred inflows of resources related to pensions from the following sources: Changes of assumptions Differences between expected and actual experience proportionate share of contributions Change in employers proportion Pension contributions made subsequent to the measurement date Total Deferred Outflows of Deferred Inflows of $1,796,683 (208, 908) 439,877 (343,024) 544, 250 870,580 $3,651,390 ($551,932) Page 34 TRUCKEE DONNER PUBLIC UTILITY DISTRICT NOTES TO FINANCIAL STATEMENTS December 31, 2017 and 2016 NOTE 8 —EMPLOYEE BENEFIT PLANS (Continued) B. PENSION LIABILITIES, PENSION EXPENSES AND DEFERRED OUTFLOWS/INFLOWS OF RESOURCES RELATED TO PENSIONS (Continued) $870,580 reported as deferred outflows of resources related to contributions subsequent to the measurement date will be recognized as a reduction of the net pension liability in the year ended December 31, 2017, Other amounts reported as deferred outflows of resources and deferred inflows of resources related to pensions will be recognized as pension expense as follows: Year Ended December 31 Amount 2018 $699,571 2019 $1,107,687 2020 $682,783 2021 ($261,163) $2, 228, 878 Actuarial Assumptions —The total pension liabilities in the June 30, 2017 actuarial valuations were determined using the following actuarial assumptions: Valuation Date Measurement Date Actuarial Cost Method Actuarial Assumptions: Discount Rate Inflation Payroll Growth Salary Increase Investment Rate of Return Mortality (1) Miscellaneous 2016 June 30, June 30, 2017 Entry -Age Normal Cost Method 7.15% 2.75% 3.00% Varies by Entry Age and Service 7.5% Net of Pension Plan Investment and Administrative Expenses; includes Inflation Derived using CalPERS membership data for all funds (1) The mortality table used was developed based on CaIPERS' specific data. The Table includes 20 years of mortality improvements using Society of Actuaries Scale BB. For more details on this table, please refer to the 2014 experience study report. All underlying mortality assumptions and all other actuarial assumptions used in the June 30, 2017 valuation were based on results of a January 2014 actuarial experience study for the period 1997 to 2011. Further details of the Experience Study can be found on the CaIPERS website. Page 35 TRUCKEE DONNER PUBLIC UTILITY DISTRICT NOTES TO FINANCIAL STATEMENTS December 31, 2017 and 2016 NOTE 8 —EMPLOYEE BENEFIT PLANS (Continued) B. PENSION LIABILITIES, PENSION EXPENSES AND DEFERRED OUTFLOWS/INFLOWS OF RESOURCES RELATED TO PENSIONS (Continued) Discount Rate -The discount rate used to measure the total pension liability as of December 31, 2017 was 7.15%. To determine whether the municipal bond rate should be used in the calculation of a discount rate for each plan, CalPERS stress tested plans that would most likely result in a discount rate that would be different from the actuarially assumed discount rate. Based on the testing, none of the tested plans run out of assets. Therefore, the current 7.15% discount rate used is adequate and the use of the municipal bond rate calculation is not necessary. The long term expected discount rate of 7.15% will be applied to all plans in the Public Employees Retirement Fund (PERF). The stress test results are presented in a detailed report that can be obtained from the CaIPERS website. The long-term expected rate of return on pension plan investments was determined using abuilding- block method in which best -estimate ranges of expected future real rate of return (expected returns, net of pension plan investment expense and inflation) are developed for each major asset class. In determining the long-term expected rate of return, CaIPERS took into account both short-term and long-term market return expectations as well as the expected pension fund cash flows. Using historical returns of all the funds' asset classes, expected compound returns were calculated over the short-term (first 10 years) and the long term (11-60 years) using a building-block approach. Using the expected nominal returns for both short-term and long-term, the present value of benefits was calculated for each fund. The expected rate of return was set by calculating the single equivalent expected return that arrived at the same present value of benefits for cash flows as the one calculated using both short-term and long-term returns. The expected rate of return was then set equivalent to the single equivalent rate calculated above and rounded down to the nearest one quarter of one percent. The table below reflects the long-term expected real rate of return by asset class. The rate of return was calculated using the capital market assumptions applied to determine the discount rate and asset allocation. The target allocation shown below was adopted by CalPERS' Board effective on July 1, 2015. Asset Class New Strategic Real Return Real Returns Allocation Years 1-10 (a) Years 11+(b) Global Equity 51.0% 5.25% 5.71 Global Fixed Income 20.0% 0.99% 2.43% Inflation Sensitive 6.0% 0.45% 3.36% Private Equity 10.0% 6.83% 6.95% Real Estate 10.0% 4.50% 5.13% Infrastructure and Forestland 2.0% 4.50% 5.09% Liquidity 1.0% -0.55% -1.05% Total 100.0% (a) An expected inflation rate of 2.5% was used for this period (b) An expected inflation rate of 3.0% was used for this period Page 36 TRUCKEE DONNER PUBLIC UTILITY DISTRICT NOTES TO FINANCIAL STATEMENTS December 31, 2017 and 2016 NOTE 8 —EMPLOYEE BENEFIT PLANS (Continued) B. PENSION LIABILITIES, PENSION EXPENSES AND DEFERRED OUTFLOWS/INFLOWS OF RESOURCES RELATED TO PENSIONS (Continued) Sensitivity of the Proportionate Share of the Net Pension Liability to Changes in the Discount Rate = The following presents the District's proportionate share of the net pension liability for each Plan, calculated using the discount rate for each Plan, as well as what the District's proportionate share of the net pension liability would be if it were calculated using a discount rate that is 1 % point lower or 1 % point higher than the current rate: Miscellaneous Measurement Date June 30,2017 1% Decrease 6.15% Net Pension Liability $18,386,901 Current Discount Rate 7.15% Net Pension Liability $11,975,655 1%Increase 8.15% Net Pension Liability $616651743 Pension Plan Fiduciary Net Position —Detailed information about each pension plan's fiduciary net position is available in the separately issued CaIPERS financial reports. C. PAYABLE TO THE PENSION PLAN At December 31, 2016 and 2015 respectively the District did not report a payable for outstanding required contributions to the pension plan. D. DEFERRED COMPENSATION PLAN The District maintains two deferred compensation plans: a 401(a) and a 457 plan, (the Plans) for certain qualified employees. The District matches 6.78% of eligible employee contributions. In 2017 and 2016, the total match was $106,332 and $91,066 in the respective years. The District has no liability for losses under the Plans, but does have the duty of due care that would be required of an ordinary prudent investor. The District has not reflected the Plans' assets and corresponding liabilities (if any) on the accompanying Statement of Net Position. Page 37 TRUCKEE DONNER PUBLIC UTILITY DISTRICT NOTES TO FINANCIAL STATEMENTS December 31, 2017 and 2016 NOTE 8 —EMPLOYEE BENEFIT PLANS (Continued) E. OTHER POST EMPLOYMENT BENEFITS (OPEB) The District administers asingle-employer defined benefit healthcare plan (The Retiree Health Plan). Contribution requirements and benefit provisions are established through collective bargaining agreements and may be amended only through negotiations between the District and the Union. The plan provides health insurance contributions for eligible retirees and their spouses through the District's group health insurance plan, which covers both active and retired members. Health insurance includes medical insurance, dental insurance, and prescriptions. The Retiree Health Plan does not issue a publicly available financial report. Post employment health care is available to all employees, and qualified dependents, that retire from the District with at least 10 years of service. As of June 30, 2017, there were fifty eight participants including dependents. The monthly amount paid by the District is capped at $475 for each participant or $375 for each participant eligible for Medicare. For participants with less than 20 years of service, the benefit is reduced by 5% for each year. Expenditures for post employment health care benefits are recognized when premiums are paid. On November 7, 2007, the Board approved a participation agreement with CaIPERS to be the plan administrator for the District's other post employment benefit (OPEB) trust. The participation agreement was submitted to CaIPERS on November 8, 2007, and became effective on January 15, 2008. At that time, accumulated deposits from the prior year, plus accrued interest, were transferred to the California Employers' Retiree Benefit Trust Program (CERBT). The funds of the Retiree Health Plan are invested in CERBT, which is a tax qualified trust organized under Internal Revenue Code (IRC) Section 115. Participation in the trust is limited to those agencies who qualify as "government" entities under that IRC section. The CERBT is an irrevocable trust established for the purpose of receiving employer contributions to prefund health and other postemployment benefits for retirees and their beneficiaries. The CERBT administrative costs are financed through investment earnings. Copies of the CalPERS' comprehensive annual financial report, that includes CERBT investment performance, may be obtained from: California Public Employees' Retirement System 400 O Street P.O. Box 942701 Sacramento, CA 94229-2701 Tel. 888-225-7377 http://www.calpers.ca.gov The District's annual OPEB expense is calculated based on the Annual Required Contribution amount actuarially determined in accordance within the parameters of GASB Statement No. 45. The ARC represents a level of funding that, if paid on an ongoing basis, is projected to cover the normal cost each year. The plan's unfunded actuarial accrued liability prior to June 30, 2017 is being amortized as a level percentage of projected payrolls on an open basis, over a period not to exceed 30 years, using the entry age normal cost method. The June 30, 2017 unfunded actuarial accrued liability is being amortized as a level percentage of projected payroll on an open basis, over a 20 year period, using the actuarial cost method. Page 38 TRUCKEE DONNER PUBLIC UTILITY DISTRICT NOTES TO FINANCIAL STATEMENTS December 31, 2017 and 2016 NOTE 8 —EMPLOYEE BENEFIT PLANS (Continued) E. OTHER POST EMPLOYMENT BENEFITS (OPEB) (Continued) The District's annual OPEB cost is recognized in the District's operating expenses. The following table shows the components of the amount actually contributed to the plan, and changes in the net OPEB obligation to the Retiree Health Plan: Annual %of Change in OPEB NetOPEB Fiscal Required Interest Annual Annual Net OPEB Obligation Obligation Year Contribution and OPEB Actual OPEB Cost Obligation (Asset) (Asset) Ended" (ARC) Adjustments Cost Contribution Contributed (Asset) Beginning Ending 06/30/2012 $ 276,800 $ 66,671 $ 343,471 $ 285,005 83.0% $ 58,466 $ (66,671) $ (81205) 06/30/2013 $ 267,800 $ 628 $ 268,428 $ 3041556 113.5% $ (36,128) $ (81205) $ (44,333) 06/30/2014 $ 267,800 $ - $ 267,800 $ 268,498 100.3% $ (698) $ (44,333) $ (45,031) 06/30/2015 $ 647,851 $ 647,851 $ 274,029 42.3% $ 373,822 $ (45, 031) $ 328,791 06/30/2016 $ 665,667 $ 665,667 $ 275,240 41.3% $ 3900427 $ 328,791 $ 719,218 06/30/2017 $ 683,973 $ 683,973 $ 286,623 41.9% $ 397,350 $ 719,218 $ 1,116,568 Actuarial valuations of an ongoing plan are required at least once every three years and involve estimates for the value of reported amounts and assumptions about the probability of occurrence of events far into the future. Examples include assumptions about future employment, mortality, and the healthcare cost trend. Amounts determined regarding the funded status of the plan and annual required contributions of the employer are subject to continual revision as actual results are compared with past expectations and new estimates are made about the future. Projections of benefits for financial reporting purposes are based on the substantive plan (the plan as understood by the employer and plan members) and include the types of benefits provided at the time of each valuation and historical pattern of sharing benefit costs between the employer and plan members to that point. The methods and assumptions used include techniques that are designed to reduce short-term volatility in actuarial accrued liabilities and the actuarial value of assets, consistent with the long-term perspective of calculations. Significant actuarial assumptions for years prior to June 30, 2015 include: Actuarial Cost Method Asset Valuation Method Discount Rate General Inflation Amortization of Unfunded Liability Projected Unit Credit Significant actuarial assumptions after June 30, 2015 include: Actuarial Cost Method Entry Age Normal Asset Valuation Method Five-year smoothing formula with a 20% corridor around market value Discount Rate 7.0% General Inflation 2.75% Annual Increase Amortization of Unfunded Liability Closed 30 years; level percent for initial UAAL Open 20 years; level percent for residual UAAL Page 39 TRUCKEE DONNER PUBLIC UTILITY DISTRICT NOTES TO FINANCIAL STATEMENTS December 31, 2017 and 2016 NOTE 8 — EMPLOYEE BENEFIT PLANS (Continued) E. OTHER POST EMPLOYMENT BENEFITS (OPEB) (Continued) The following is a funding schedule for the Retiree Health Plan: Schedule of Retiree Health Plan Funding Progress Accrued Actuarial Unfunded Funded Valuation Liabilities Value of Liabilities Ratio Date* (AL) Assets (AVA) (UL) (AVA/AL Annual UL 01 /01 /2011 $ 21501,800 $ 645,700 $ 118561100 25.8% $ 6, 307, 400 29.4% 07/01/2011 $ 21657,000 $ 661,400 $ 11995,600 24.9% $ 61226,000 32.1% 07/01/2013 $ 21960,600 $ 11079,900 $ 11880,700 36.5% $ 61409,000 29.3% 07/01 /2015 $ 61755,593 $ 11579,982 $ 5,175, 611 23.4% $ 61360,511 81.4% *Valuations are required once every two years. In 2011, the vaulation date changed to July 1 in compliance with GASB Statement No. 57. The actuarial valuation issued July 1, 2015 had a significant increase in accrued liability of $3.8 million due to a new Actuarial Standard of Practice 6 that became effective for valuations after March 1, 2015 that requires valuing an "implicit rate subsidy". Though the District has an employer cap on retiree benefits, the liability of providing them based on the expected premiums of the plan are now required to be recognized in the actuarial valuation to guarantee the stability of the plan for the long run which nearly doubled the normal costs and liabilities. NOTE 9 —SELF FUNDED INSURANCE The District has aself-funded vision insurance program and claims were processed by and on behalf of the District. The District did not maintain a claim liability; rather claims were expensed as paid. The amount of claims paid for each of the past three years have not been material. NOTE 10 —SEGMENT DISCLOSURE The District has issued revenue bonds to finance electric and water distribution facilities. The project has an external requirement to be reported separately, and investors in the revenue bonds rely solely on the revenue generated by the individual projects for repayment. Summary financial information for each project is presented on the following pages for the years ending December 31, 2017 and 2016. Page 40 TRUCKEE DONNER PUBLIC UTILITY DISTRICT NOTES TO FINANCIAL STATEMENTS December 31, 2017 and 2016 NOTE 10 -SEGMENT DISCLOSURE (Continued) STATEMENT OF NET POSITION ASSETS AND DEFERRED OUTFLOWS OF RESOURCES Current assets Non -current assets: Capital assets, net Restricted assets Other long-term assets Total Noncurrent Assets Deferred outflows of resources Pension Unamortized loss on refunding Unamortized redemption premium December 31, 2017 Electric $ 239717,604 48,257,502 843,086 491100, 588 2,190, 835 122, 673 21313,508 Water $ 101085,811 74, 856, 572 1,818,513 3, 005,178 79, 80263 1,460,556 5761778 2,037,334 TOTAL ASSETS AND DEFERRED OUTFLOWS $ 75,131,700 $ 91,803,408 OF RESOURCES LIABILITIES, DEFERRED INFLOWS OF RESOURCES AND NET POSITION Current liabilities Non -current Liabilities Long-term debt, net of current portion Net pension liability OPEB liability Unearned revenues Total Noncurrent Liabilities Total Liabilities Deferred inflows of resources Pension Total Deferred Inflows of Resources Net Position Net investment in capital assets Restricted for debt service Unrestricted Total Net Position $ 4,702,463 3, 523, 745 7,185, 392 69,941 2,612,137 13,991,215 18,693,678 331,159 331,159 43,501,844 1,842,553 10,7621466 106,863 $ 2,742,557 21,085,650 4, 790, 262 446,627 1,041,939 27, 364, 478 30,107, 035 220,773 220, 773 52216044 4,576,780 4,6821776 61,475,600 TOTAL LIABILITIES, DEFERRED INFLOWS $ 751131,700 $ 9118032408 OF RESOURCES AND NET POSITION Page 41 TRUCKEE DONNER PUBLIC UTILITY DISTRICT NOTES TO FINANCIAL STATEMENTS December 31, 2017 and 2016 NOTE 10 —SEGMENT DISCLOSURE (Continued) ASSETS AND DEFERRED OUTFLOWS OF RESOURCES Current assets Non -current assets: Capital assets, net Restricted assets Other long term assets Total Noncurrent Assets Deferred outflows of resources Pension Unamortized loss on refunding Unamortized redemption premium Total Deferred Outflows of Resources December 31, 2016 Electric $ 19,438,054 47, 660,186 925,520 48, 585, 706 21403,030 149,934 2,552,964 Water $ 91475, 927 75, 942,145 118761032 31692, 876 811511,053 11602,020 609,580 21211,600 TOTAL ASSETS AND DEFERRED OUTFLOWS $ 70,576,724 $ 93,198,580 OF RESOURCES LIABILITIES, DEFERRED INFLOWS OF RESOURCES AND NET POSITION Current liabilities $ 41312,570 $ 21949,891 Non -current Liabilities Long-term debt, net of current portion 41398,403 23,244,323 Net pension liability 61150,197 41100,132 OPEB liability 431,530 287,687 Unearned revenues 21587,458 486,049 Total Noncurrent Liabilities 13,567,588 28,118,191 Total Liabilities 17,880,158 31,068,082 Deferred inflows of resources Pension 958,276 638,850 Total Deferred Inflows of Resources 958,276 638,850 Net Position Net investment in capital assets 42,500,995 50,920,550 Restricted for debt service 11316,355 41695,114 Unrestricted 71920,940 51875,984 Total Net Position 51,738,290 61,491,648 TOTAL LIABILITIES, DEFERRED INFLOWS $ 70,576,724 $ 93,198,580 OF RESOURCES AND NET POSITION Page 42 TRUCKEE DONNER PUBLIC UTILITY DISTRICT NOTES TO FINANCIAL STATEMENTS December 31, 2017 and 2016 NOTE 10 —SEGMENT DISCLOSURE (Continued) STATEMENTS OF REVENUE, EXPENSES, AND CHANGES IN NET POSITION Operating Revenues Sales to consumers Other operating revenues Operating expenses Depreciation Non -operating revenues (expenses) Income (loss) before capital contributions & other Capital contributions, net CHANGE IN NET POSITION Net Position, Beginning NET POSITION, ENDING Operating Revenues Sales to consumers Other operating revenues Operating expenses Depreciation Non -operating revenues (expenses) Income (loss) before capital contributions & other Capital contributions, net CHANGE IN NET POSITION Net Position, Beginning NET POSITION, ENDING Year ended December 313 2017 Electric Water $ 22,660,258 $ 11,801,888 5, 046, 862 538, 960 22,108,454 81774,652 21624,534 31907,106 140,304 (517,830) 31114,436 (858,740) 1,254,137 842,691 41368,573 (16, 049) 51,738,290 61,491,648 $ 56,106,863 $ 61,475,599 Year ended December 31, 2016 Electric Water $ 21,713,614 $ 11,312,973 3,357,601 749,177 (209222,867) (83171,428) (29576,192) (31660, 841) 12,076 (700,499) 2,284,232 (470,618) 1,111,440 587,670 31395,672 117,052 48342618 61374596 $ 51,738,290 $ 61,491,648 Page 43 TRUCKEE DONNER PUBLIC UTILITY DISTRICT NOTES TO FINANCIAL STATEMENTS December 31, 2017 and 2016 NOTE 11 —SEGMENT DISCLOSURE (Continued) STATEMENTS OF CASH FLOWS NET CASH PROVIDED BY (USED IN) Operating activities Noncapital financing activities Capital and related financing activities Investing activities Net increase (decrease) in cash and cash equivalents Cash and Cash Equivalents, Beginning CASH AND CASH EQUIVALENTS, ENDING NET CASH PROVIDED BY (USED IN) Operating activities Noncapital financing activities Capital and related financing activities Investing activities Net increase (decrease) in cash and cash equivalents Cash and Cash Equivalents, Beginning CASH AND CASH EQUIVALENTS, ENDING Year ended December 31, 2017 Electric $ 6,624,835 (467, 590) (21328,476) 181,261 4, 010, 030 15, 4391826 Water $ 3,545,750 (31723,773) 295,975 1171952 7,485, 574 $ 19,449,856 $ 7,603,526 Year ended December 31, 2016 Electric Water $ 51549,180 $ 31719,688 (921,171) - (2,233,583) (61189,302) 1141807 2921186 21509,233 (21177,428) 12, 930, 593 91663,002 $ 15,439,826 $ 7,485,574 Page 44 TRUCKEE DONNER PUBLIC UTILITY DISTRICT NOTES TO FINANCIAL STATEMENTS December 31, 2017 and 2016 NOTE 11 — MARTIS VALLEY GROUNDWATER MANAGEMENT EFFORTS The Martis Valley aquifer underlies about 35,000 acres in both Placer and Nevada counties, near the Town of Truckee. It is the main water supply for numerous public and private entities. This area has seen significant growth in the last few decades with more planned for the future. Maintaining an adequate water supply and protecting water quality are critical for the region's future. The Truckee Donner Public Utility District (TDPUD), Northstar Community Services District (NCSD) and Placer County Water Agency (PCWA) are the three primary public water agencies in the Martis Valley Basin. Together, the TDPUD, NCSD and PCWA (Partnership Agencies) partnered to submit a groundwater management plan and to help develop a groundwater model for the Martis Valley basin. The Martis Valley Groundwater Management Plan (GMP) was prepared in 2015 to reflect current water resources planning in the region and to incorporate the latest information and understanding of the underlying groundwater basin. This collaborative effort provided the guidance necessary to align groundwater policy. In addition to the groundwater management plan, a computer model of the groundwater basin was developed by the Desert Research Institute, which incorporated available data and enhanced understanding of the groundwater basin. A climate change modeling component was part of the overall Federal study effort. Partner agencies each adopted the Groundwater Management Plan (GMP) in February 2012 and the model and associated report was completed in 2015. The total cost of the project was approximately 4)1,000,000, which includes federal funding of approximately $500,000 from the U.S. Bureau of Reclamation and $250,000 from the Lawrence Livermore National Laboratory; and contributions of $150,000 from TDPUD and $100,000 from the other members of the Partnership Agencies. In mid 2016, the California Sustainable Groundwater Management Act of 2014 (S('MA) took effect for which the District was the submitting agency of a SGMA Alternate Submittal in December, 2016 on behalf of the Town of Truckee, Placer County, Nevada County, PCWA, and Northstar CSD (Local SGMA Agencies). The SGMA Alternative Submittal is intended to comply with the new regulations. There was an adopted MOA amongst the six local agencies for this compliance project which covers the time period for preparation of the SGMA Alternative Submittal, possible conditional acceptance of the plan by DWR, and submittal of a first -year annual report. DWR has two years by statute to review the SGMA Alternative Submittal and, as of the date the financial statements were available to be issued, has not formally responded. NOTE 12 —CLAIMS AND JUDGMENTS From time to time, the utility is party to various pending claims and legal proceedings. Although the outcome of such matters cannot be forecasted with certainty, it is the opinion of management and the utility's legal counsel that the likelihood is remote that any such claims or proceedings will have a material adverse effect on the utility's financial position or results of operations. NOTE 13 —RISK MANAGEMENT The utility is exposed to various risks of loss related to torts; theft of, damage to, or destruction of assets; errors and omissions; workers compensation; and health care of its employees. These risks are covered through the purchase of commercial insurance, with minimal deductibles. Settled claims have not exceeded the commercial liability in any of the past three years. There were no significant reductions in coverage compared to the prior year. 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