Liabilities / Assets
80th percentile
Higher debt load relative to assets than 80% of similar nonprofits.
Missouri Medical Malpractice Joint Underwriting Association
EIN 01-0815695 • 501(c)15 • Jefferson City, MO
Profile
Missouri Medical Malpractice Joint Underwriting Association offers medical professional liability policies to any provider who meets the eligibility requirements. Missouri Medical Malpractice Joint Underwriting Association currently provides claims-made professional liability insurance policies.
Siviq Scores
Precomputed percentiles relative to similar nonprofits. These scores are descriptive rather than judgmental.
0.30x
Liabilities / Revenue
98th percentile
Higher debt load relative to revenue than 98% of similar nonprofits.
Net Margin
2nd percentile
Higher net margin than 2% of similar nonprofits.
Top Officer Pay
47th percentile
Higher top officer pay than 47% of similar nonprofits.
Top officer pay equals 0.0% of source-year revenue.
Asset Growth
15th percentile
Faster asset growth than 15% of similar nonprofits.
Revenue Growth
9th percentile
Faster revenue growth than 9% of similar nonprofits.
Balance Sheet
Assets
Down$2,594,716
Down $256,696 (-9.0%) from 2023
Liabilities
Down$788,512
Down $5,229 (-0.7%) from 2023
Net Assets
Down$1,806,204
Down $251,467 (-12%) from 2023
Revenue
Down$98,206
Down $57,494 (-37%) from 2023
Expenses
Down$341,007
Down $110,069 (-24%) from 2023
Net Income
Up-$242,801
Up $52,575 (+18%) from 2023
Trend Graphs
Filings
Most recent year
2024 • Form 990Facts available. Structured filing facts are available, but richer extracted sections are limited.
- Assets
- $2,594,716
- Liabilities
- $788,512
- Net assets
- $1,806,204
- Revenue
- $98,206
- Expenses
- $341,007
- Net income
- -$242,801
Latest Filing Detail
Jump To
Filing Snapshot
- Filing Period
- Jan 1, 2024 to Dec 31, 2024
- Signed
- Jul 11, 2025
- Return Version
- 2024v5.1
- Gross Receipts
- $1,666,372
Mission and Program Overview
Mission
Missouri medical malpractice joint underwriting association offers medical professional liabilty policies to any provider who meets the eligibility requirements. No eligible provider may be denied coverage based on loss experience. Missouri medical malpractice joint underwriting association currently provides occurrence-based profssional liabilty insurance policies.
The organization was formed by the State of Missouri upon determination that medical malpractice insurance coverage was not reasonably available in the state. The organization offers medical malpractice insurance coverage to those that meet eligibility requirements.
Balance Sheet Detail
| Line | Beginning | End | Change |
|---|---|---|---|
| Assets | |||
| Pd in Cap Srpls Land Bldg Eqp Fund | $3,951,794 | $3,951,794 | → $0 |
| Investments Program Related | $2,706,165 | $2,332,321 | ▼ $373,844 |
| Savings and Temporary Cash Investments | $110,885 | $240,511 | ▲ $129,626 |
| Prepaid Expenses and Deferred Charges | $21,896 | $0 | ▼ $21,896 |
| Receivable From Disqualified Prsn | $0 | $0 | → $0 |
| Receivables From Officers Etc | $0 | $0 | → $0 |
| Investments Other Securities | $0 | - | - |
| Land, Buildings, and Equipment, Net | $0 | $0 | → $0 |
| Loans From Officers Directors | $0 | $0 | → $0 |
| Rtn Earn Endowment Incm Other Fnds | $-1,894,123 | $-2,145,590 | ▼ $251,467 |
| Total Assets | $2,851,412 | $2,594,716 | ▼ $256,696 |
| Other Assets Total | $12,466 | $21,884 | ▲ $9,418 |
| Liabilities | |||
| Other Liabilities | $760,817 | $782,895 | ▲ $22,078 |
| Accounts Payable and Accrued Expenses | $32,924 | $5,617 | ▼ $27,307 |
| Total Liabilities | $793,741 | $788,512 | ▼ $5,229 |
| Net Assets / Fund Balance | |||
| Total Net Assets Fund Balance | $2,057,671 | $1,806,204 | ▼ $251,467 |
| Total Liabilities and Net Assets / Fund Balance | $2,851,412 | $2,594,716 | ▼ $256,696 |
Asset Categories
| Asset | Book Value | Depreciation | Basis |
|---|---|---|---|
| Investment Program Related Org | $2,332,321 | - | - |
Compensation and Service Providers
Board Members and Trustees
| Name | Title |
|---|---|
| Brian Waller | Chairman |
| Michael Stern | Vice-Chairman |
| Aaron Angel | Board Member |
| Chelsea Chaney | Board Member |
| Dean Trachsel | Board Member |
| Jess Alanis | Board Member |
| Kim Decker | Board Member |
| Andi Lockridge | Secretary/Treasurer |
Revenue and Support
Revenue Composition
- Contributions and Grants
- $0
- Program Service Revenue
- $10,982
- Investment Income
- $87,224
- Other Revenue
- $0
- Change in Net Assets
- $-242,801
Audited Revenue Reconciliation
- Revenue per Audited Statements
- $90,340
- Revenue Not Reported on Financial Statements
- $7,866
- Revenue Not Reported on Form 990
- $0
- Other Revenue Adjustments
- $0
- Total Revenue per Audited Statements
- $90,340
- Total Revenue per Form 990
- $98,206
Expenses and Functional Allocation
Major Expense Lines
| Line Item | Amount |
|---|---|
| Other Expenses | $341,007 |
| Grants and Similar Amounts Paid | $0 |
| Professional Fundraising Fees | $0 |
| Salaries, Compensation, and Employee Benefits | $0 |
| Total Fundraising Expense | $0 |
Functional Expense Allocation
| Line Item | Program | Management | Fundraising | Total |
|---|---|---|---|---|
| Fees for Services Management | - | - | - | $147,750 |
| Insurance | - | - | - | $18,507 |
| Fees for Services Legal | - | - | - | $8,500 |
| Fees for Service Investment Mgmnt Fees | - | - | - | $7,866 |
| Fees for Services Accounting | - | - | - | $5,715 |
| Travel | - | - | - | $1,200 |
| Other Expenses | - | - | - | $831 |
| Total Functional Expenses | $0 | $0 | $0 | $341,007 |
Audited Expense Reconciliation
| Line Item | Amount |
|---|---|
| Total Expenses per Form 990 | $341,007 |
| Expenses per Audited Statements | $333,141 |
| Total Expenses per Audited Statements | $333,141 |
| Expenses Not Reported on Financial Statements | $7,866 |
| Expenses Not Reported on Form 990 | $0 |
| Other Expense Adjustments | $0 |
Fundraising, Events, and Gaming
- Fundraising activities
- No
- Gaming activities
- No
- Professional fundraiser used
- No
Fundraising and Gaming Totals
| Line Item | Amount |
|---|---|
| Professional Fundraising Fees | $0 |
Political and Lobbying Activity
- Political campaign activity
- No
- Lobbying activity
- No
- Subject to proxy tax
- No
Insider Transactions and Loans
Loans and Receivables
| Line Item | Beginning | End | Change |
|---|---|---|---|
| Loans from Officers, Directors, Trustees, and Key Employees | $0 | $0 | → $0 |
| Receivables from Disqualified Persons | $0 | $0 | → $0 |
| Receivables from Officers, Directors, Trustees, and Key Employees | $0 | $0 | → $0 |
Debt and Bond Financing
Other Reported Liabilities
| Liability | Amount |
|---|---|
| Federal Income Taxes | $782,895 |
| Reserve for Losses and Lae | - |
| Unearned Premiums | - |
Governance and Compliance
Governance Checklist
- Compiled or reviewed by an accountant
- No
- Annual disclosure for covered persons
- Yes
- Audit committee
- Yes
- Backup withholding compliance
- Yes
- Business relationship with 35% controlled entity
- No
- Business relationship with family members
- No
- Business relationship with organization members
- No
- Material changes to governing documents
- No
- Compensation from other sources disclosed
- No
- CEO compensation reviewed
- No
- Other officer compensation reviewed
- No
- Conflict-of-interest policy
- Yes
- Audited financial statements prepared
- No
- Key decisions subject to board approval
- No
- Management duties delegated
- Yes
Governance Explanations
Form 990, Part VI, Line 3 Delegation of management duties
“The Board of Directors hired Healthcare Services Group as a servicing agent for Missouri Malpractice Joint Underwriting Association.”
Form 990, Part VI, Line 11B Review of form 990 by governing body
“The return is prepared by Forvis Mazars, LLP, an independent CPA firm and is reviewed by Healthcare Services Group and the signatory, Treasurer Andrea Lockridge before being filed with the IRS.”
Form 990, Part VI, Line 12C Conflict of interest policy
“The organization has adopted a Conflict of Interest Policy which contains an Acknowledgement and Affirmation that is completed by all Directors. Any Director with a possible conflict of interest on a matter shall not vote, take action, or use his or her personal influence on the matter. The minutes of the meetings will reflect any disclosure of conflict and if a Director was excused from voting on a related matter.”
Form 990, Part VI, Line 19 Required documents available to the public
“The organization files all required documents with the Missouri Department of Commerce & Insurance, Financial Institutions, and professional registration which are open to the public.”
Form 990, Part VI, Section A Governance and Management
“Missouri Medical Malpractice Joint Underwriting Association is governed by Missouri Revised Statutes 383.150-383.195. In July 2003, the Governor of Missouri requested that the Director of Insurance hold a public hearing to determine whether medical malpractice insurance is reasonably available in the State. On the basis of information presented at the hearing, the Director determined that coverage is not reasonably available. This determination was the statutorily required trigger needed to allow the Director to form a "Joint Underwriting Association" for the purposes of providing professional liability insurance coverage to Missouri health care providers. The Director named a governing board, and a Plan of Operation was developed specifying eligibility for the MMMJUA, as well as rules for the program. Missouri Medical Malpractice Joint Underwriting Association is managed by the Board of Directors, which is appointed by the Director of the Missouri Department of Commerce & Insurance.”
Filing and Contact Details
Filer
- Filer Name
- Missouri Medical Malpractice Joint Underwriting Association
- EIN
- 01-0815695
- Phone
- 8665861693
- Address
- 4700 Country Club Drive, Jefferson City, MO 65109
Signing Officer
- Name
- Andi Lockridge
- Title
- Treasurer
- Phone
- 8665861693
- Signed
- 2025-07-11
- Discuss with paid preparer
- Yes
Organization Details
- Formed
- 2004
- Legal Domicile
- Mo
- Voting Board Members
- 8
- Independent Board Members
- 8
- Employees
- 0
- Volunteers
- 8
Preparer
- Firm
- Forvis Mazars LLP
- Address
- 211 N Broadway Suite 600, St Louis, MO 63102-2733
- Preparer
- Kristen Hankins
- Phone
- 3142315544
Supplemental Narrative
Additional Explanations
Form 990, Part XI, Line 9 Other changes in net assets or fund balances
“Change in non-admitted assets - -8666;”
Form 990, Part XII, Line 1 OTHER METHOD OF ACCOUNTING
“The taxpayer is an insurance company which utilizes the statutory accounting method to prepare its financial statements and form 990.”
Financial Statement Notes
Schedule D, Part X, Line 2 UNCERTAIN TAX POSITIONS
“Tax positions are evaluated at the reporting date to determine whether an unrecognized tax benefit should be recorded. The association did not have any unrecognized tax benefits at december 31, 2024 or 2023. The association had no uncertain tax positions as of december 31, 2024 and 2023.”
Raw XML Appendix384 raw XML fields
This appendix keeps the raw XML leaves available for debugging and edge-case review. The human report above is the primary experience.
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| IRS990/OtherExpensesGrp/TotalAmt | 2 | 831 |
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| IRS990/ProgramServiceRevenueGrp/Desc | 0 | PREMIUM REVENUE |
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| IRS990/PYRevenuesLessExpensesAmt | 0 | -295376 |
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| IRS990/PYTotalRevenueAmt | 0 | 155700 |
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| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc | 0 | Federal Income Taxes |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc | 1 | RESERVE FOR LOSSES AND LAE |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc | 2 | UNEARNED PREMIUMS |
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| IRS990ScheduleD/SupplementalInformationDetail/ExplanationTxt | 0 | TAX POSITIONS ARE EVALUATED AT THE REPORTING DATE TO DETERMINE WHETHER AN UNRECOGNIZED TAX BENEFIT SHOULD BE RECORDED. THE ASSOCIATION DID NOT HAVE ANY UNRECOGNIZED TAX BENEFITS AT DECEMBER 31, 2024 OR 2023. THE ASSOCIATION HAD NO UNCERTAIN TAX POSITIONS AS OF DECEMBER 31, 2024 AND 2023. |
| IRS990ScheduleD/SupplementalInformationDetail/FormAndLineReferenceDesc | 0 | Schedule D, Part X, Line 2 UNCERTAIN TAX POSITIONS |
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| IRS990/ScheduleORequiredInd | 0 | true |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 0 | The Board of Directors hired Healthcare Services Group as a servicing agent for Missouri Malpractice Joint Underwriting Association. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 1 | The return is prepared by Forvis Mazars, LLP, an independent CPA firm and is reviewed by Healthcare Services Group and the signatory, Treasurer Andrea Lockridge before being filed with the IRS. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 2 | The organization has adopted a Conflict of Interest Policy which contains an Acknowledgement and Affirmation that is completed by all Directors. Any Director with a possible conflict of interest on a matter shall not vote, take action, or use his or her personal influence on the matter. The minutes of the meetings will reflect any disclosure of conflict and if a Director was excused from voting on a related matter. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 3 | The organization files all required documents with the Missouri Department of Commerce & Insurance, Financial Institutions, and professional registration which are open to the public. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 4 | CHANGE IN NON-ADMITTED ASSETS - -8666; |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 5 | THE TAXPAYER IS AN INSURANCE COMPANY WHICH UTILIZES THE STATUTORY ACCOUNTING METHOD TO PREPARE ITS FINANCIAL STATEMENTS AND FORM 990. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 6 | Missouri Medical Malpractice Joint Underwriting Association is governed by Missouri Revised Statutes 383.150-383.195. In July 2003, the Governor of Missouri requested that the Director of Insurance hold a public hearing to determine whether medical malpractice insurance is reasonably available in the State. On the basis of information presented at the hearing, the Director determined that coverage is not reasonably available. This determination was the statutorily required trigger needed to allow the Director to form a "Joint Underwriting Association" for the purposes of providing professional liability insurance coverage to Missouri health care providers. The Director named a governing board, and a Plan of Operation was developed specifying eligibility for the MMMJUA, as well as rules for the program. Missouri Medical Malpractice Joint Underwriting Association is managed by the Board of Directors, which is appointed by the Director of the Missouri Department of Commerce & Insurance. |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 0 | Form 990, Part VI, Line 3 Delegation of management duties |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 1 | Form 990, Part VI, Line 11b Review of form 990 by governing body |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 2 | Form 990, Part VI, Line 12c Conflict of interest policy |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 3 | Form 990, Part VI, Line 19 Required documents available to the public |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 4 | Form 990, Part XI, Line 9 Other changes in net assets or fund balances |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 5 | Form 990, Part XII, Line 1 OTHER METHOD OF ACCOUNTING |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 6 | Form 990, Part VI, Section A Governance and Management |
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| IRS990/TaxablePartyNotificationInd | 0 | false |
| IRS990/TaxExemptBondsInd | 0 | false |
| IRS990/TerminateOperationsInd | 0 | false |
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| IRS990/TotalAssetsEOYAmt | 0 | 2594716 |
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| IRS990/TotalAssetsGrp/EOYAmt | 0 | 2594716 |
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| IRS990/TotalGrossUBIAmt | 0 | 0 |
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| IRS990/TotalLiabilitiesEOYAmt | 0 | 788512 |
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| IRS990/TotalLiabilitiesGrp/EOYAmt | 0 | 788512 |
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| IRS990/TotalVolunteersCnt | 0 | 8 |
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| IRS990/TravelGrp/TotalAmt | 0 | 1200 |
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| IRS990/TypeOfOrganizationAssocInd | 0 | X |
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| IRS990/UponRequestInd | 0 | X |
| IRS990/USAddress/AddressLine1Txt | 0 | 4700 Country Club Drive |
| IRS990/USAddress/CityNm | 0 | Jefferson City |
| IRS990/USAddress/StateAbbreviationCd | 0 | MO |
| IRS990/USAddress/ZIPCd | 0 | 65109 |
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| IRS990/WebsiteAddressTxt | 0 | WWW.MMMJUA.COM |
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| ReturnHeader/BuildTS | 0 | 2025-03-06 01:10:19Z |
| ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd | 0 | true |
| ReturnHeader/BusinessOfficerGrp/PersonNm | 0 | Andi Lockridge |
| ReturnHeader/BusinessOfficerGrp/PersonTitleTxt | 0 | Treasurer |
| ReturnHeader/BusinessOfficerGrp/PhoneNum | 0 | 8665861693 |
| ReturnHeader/BusinessOfficerGrp/SignatureDt | 0 | 2025-07-11 |
| ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt | 0 | Missouri Medical Malpractice Joint Underwriting Association |
| ReturnHeader/Filer/BusinessNameControlTxt | 0 | MISS |
| ReturnHeader/Filer/EIN | 0 | 010815695 |
| ReturnHeader/Filer/PhoneNum | 0 | 8665861693 |
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| ReturnHeader/Filer/USAddress/ZIPCd | 0 | 65109 |
| ReturnHeader/IRSResponsiblePrtyInfoCurrInd | 0 | true |
| ReturnHeader/PreparerFirmGrp/PreparerFirmEIN | 0 | 440160260 |
| ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt | 0 | Forvis Mazars LLP |
| ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt | 0 | 211 N Broadway Suite 600 |
| ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm | 0 | St Louis |
| ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd | 0 | MO |
| ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCd | 0 | 631022733 |
| ReturnHeader/PreparerPersonGrp/PhoneNum | 0 | 3142315544 |
| ReturnHeader/PreparerPersonGrp/PreparationDt | 0 | 2025-07-11 |
| ReturnHeader/PreparerPersonGrp/PreparerPersonNm | 0 | Kristen Hankins |
| ReturnHeader/ReturnTs | 0 | 2025-07-11T07:46:41+00:00 |
| ReturnHeader/ReturnTypeCd | 0 | 990 |
| ReturnHeader/TaxPeriodBeginDt | 0 | 2024-01-01 |
| ReturnHeader/TaxPeriodEndDt | 0 | 2024-12-31 |
| ReturnHeader/TaxYr | 0 | 2024 |
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