Civic Intelligence

Aca Assurance

990 • Fiscal year 2010 • EIN 02-0105200

Jan 01, 2010 to Dec 31, 2010 • Filed on May 13, 2011

Organization Profile

View Organization Page

PO Box 98903105-0989
Siviq Scores

Precomputed percentiles for this filing year versus similar nonprofits in the same peer cohort.

Liabilities / Assets

95th percentile

1.04x

Higher debt load relative to assets than 95% of similar nonprofits.

2010 filings • $10M-$25M nonprofits • Source year 2010

Liabilities / Revenue

Score unavailable

No value available

Liabilities-to-revenue requires both liabilities and revenue on this filing.

Source year 2010

Net Margin

Score unavailable

No value available

Net margin requires both revenue and expenses on this filing.

Source year 2010

Top Officer Pay

Score unavailable

No value available

This filing does not contain officer compensation rows.

Source year 2010

Asset Growth

Score unavailable

No value available

No earlier valid filing was available within the previous three public years.

Source year 2010

Revenue Growth

Score unavailable

No value available

No valid filing value is available for this score.

Balance Sheet
Liabilities / Assets95th percentile

Assets

$16,701,186

No earlier filing loaded for comparison.

Net Assets

-$720,131

No earlier filing loaded for comparison.

Liabilities

$17,421,317

No earlier filing loaded for comparison.

Revenue And Expenses
Liabilities / RevenueScore unavailableNet MarginScore unavailable

Revenue

-

No earlier filing loaded for comparison.

Expenses

$2,039,432

No earlier filing loaded for comparison.

Net Income

-

No earlier filing loaded for comparison.

Historical Trend

Balance Sheet Trend

Asset GrowthScore unavailable

The highlighted filing sits inside the broader history for assets, liabilities, and net assets.

$20M$15M$10M$5.0M$0-$5.0MAssets 2010: $16,701,186Liabilities 2010: $17,421,317Net Assets 2010: -$720,1312010Assets 2011: $1,113,764Liabilities 2011: $7,550Net Assets 2011: $1,106,2142011Assets 2012: $492,075Liabilities 2012: $0Net Assets 2012: $492,0752012Assets 2013: $485,764Liabilities 2013: $15,624Net Assets 2013: $470,1402013

Highlighted filing

2010

Assets$16,701,186
Liabilities$17,421,317
Net Assets-$720,131
Open 2010 Filing

Operations Trend

Revenue GrowthScore unavailable

Revenue, expenses, and net income across loaded years, with this filing highlighted.

$3.0M$2.0M$1.0M$0-$1.0M-$2.0MExpenses 2010: $2,039,4322010Expenses 2011: -$1,846,4832011Revenue 2012: $9,870Expenses 2012: $523,715Net Income 2012: -$513,8452012Revenue 2013: $14,628Expenses 2013: $36,564Net Income 2013: -$21,9362013

Highlighted filing

2010

Revenue-
Expenses$2,039,432
Net Income-
Open 2010 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2010 to Dec 31, 2010
Signed
May 13, 2011
Return Version
2010v3.2
Gross Receipts
$977,836
Filing and Contact Details

Filer

EIN
02-0105200
Raw XML AppendixShowing 400 of 476 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.

Path#Value
IRS990/AccountantCompileOrReview00
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IRS990/AccountsPayableAccruedExpenses/EOY017421317
IRS990/AccountsReceivable/BOY02371337
IRS990/AccountsReceivable/EOY01734738
IRS990/ActivitiesConductedPartnership00
IRS990/ActivityOrMissionDescription0The Society was placed in Rehabilitation in 2008. During 2009 ACA sold many of its insurance policies and during 2010 continued winding down its business operations. ACA expects to sell the last substantial block of its U.S. life insurance policies during 2011.
IRS990/AddressPrincipalOfficerUS/AddressLine106 Birdie Court
IRS990/AddressPrincipalOfficerUS/City0Lakefield
IRS990/AddressPrincipalOfficerUS/State0MA
IRS990/AddressPrincipalOfficerUS/ZIPCode002347
IRS990/Advertising/Total00
IRS990/AllAffiliatesIncluded01
IRS990/AllOtherContributions00
IRS990/AllOtherExpenses/Total044708
IRS990/AnnualDisclosureCoveredPersons01
IRS990/BenefitsPaidToMembersCY01968493
IRS990/BenefitsPaidToMembersPriorYear02700387
IRS990/BenefitsToMembers/Total01968493
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IRS990/BsnssRltnshpWithOrganization00
IRS990/CapStckTrstPrinCurrentFunds/BOY00
IRS990/CapStckTrstPrinCurrentFunds/EOY00
IRS990/CashNonInterestBearing/BOY00
IRS990/CashNonInterestBearing/EOY00
IRS990/ChangesToOrganizingDocs00
IRS990/CntrbtnsRprtdFundraisingEvents00
IRS990/CollectionsOfArt00
IRS990/CompCurrentOfficersDirectors/Total0148128
IRS990/CompDisqualPersons/Total00
IRS990/CompensationFromOtherSources00
IRS990/CompensationProcessCEO01
IRS990/CompensationProcessOther01
IRS990/ComplianceWithBackupWitholding01
IRS990/ConferencesMeetings/Total00
IRS990/ConflictOfInterestPolicy01
IRS990/ConservationEasements00
IRS990/ConsolidatedAuditFinancialStmt00
IRS990/ContributionsGrantsCurrentYear00
IRS990/ContributionsGrantsPriorYear00
IRS990/CostOfGoodsSold00
IRS990/CreditCounseling00
IRS990/DecisionsSubjectToApproval01
IRS990/DeductibleContributionsOfArt00
IRS990/DeductibleNonCashContributions00
IRS990/DeferredRevenue/BOY0202532
IRS990/DeferredRevenue/EOY00
IRS990/DelegationOfManagementDuties00
IRS990/DepreciationDepletion/Total08446
IRS990/DescribedIn501C300
IRS990/Description0The Society is in the process of selling the remainder of its life insurance business.
IRS990/DisregardedEntity00
IRS990/DocumentRetentionPolicy01
IRS990/DoingBusinessAs/BusinessNameLine10ACA ASSURANCE IN REHABILITATION
IRS990/DonorAdvisedFunds00
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IRS990/FeesForServicesAccounting/Total0201945
IRS990/FeesForServicesInvstMgmntFees/Total04589
IRS990/FeesForServicesLegal/Total0130217
IRS990/FeesForServicesLobbying/Total00
IRS990/FeesForServicesManagement/Total00
IRS990/FeesForServicesOther/Total0198162
IRS990/FeesForServicesProfFundraising/Total00
IRS990/ForeignActivities01
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IRS990/ForeignOffice01
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IRS990/Form990PartVIISectionA/AverageHoursPerWeek98
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IRS990/Form990PartVIISectionA/IndividualTrusteeOrDirector5X
IRS990/Form990PartVIISectionA/IndividualTrusteeOrDirector6X
IRS990/Form990PartVIISectionA/IndividualTrusteeOrDirector7X
IRS990/Form990PartVIISectionA/NamePerson0Norman Morneault
IRS990/Form990PartVIISectionA/NamePerson1Andre Bellemare
IRS990/Form990PartVIISectionA/NamePerson2Jean Maurice Bergeron
IRS990/Form990PartVIISectionA/NamePerson3Paul LaFlamme
IRS990/Form990PartVIISectionA/NamePerson4Daniel LaPointe
IRS990/Form990PartVIISectionA/NamePerson5Norman Stevenson
IRS990/Form990PartVIISectionA/NamePerson6Rev Adrien Longchamps
IRS990/Form990PartVIISectionA/NamePerson7Robert Raiche
IRS990/Form990PartVIISectionA/NamePerson8John Milnes
IRS990/Form990PartVIISectionA/NamePerson9Pauline Lally
IRS990/Form990PartVIISectionA/Officer0X
IRS990/Form990PartVIISectionA/Officer1X
IRS990/Form990PartVIISectionA/OtherCompensation00
IRS990/Form990PartVIISectionA/OtherCompensation10
IRS990/Form990PartVIISectionA/OtherCompensation20
IRS990/Form990PartVIISectionA/OtherCompensation30
IRS990/Form990PartVIISectionA/OtherCompensation40
IRS990/Form990PartVIISectionA/OtherCompensation50
IRS990/Form990PartVIISectionA/OtherCompensation60
IRS990/Form990PartVIISectionA/OtherCompensation70
IRS990/Form990PartVIISectionA/OtherCompensation80
IRS990/Form990PartVIISectionA/OtherCompensation90
IRS990/Form990PartVIISectionA/ReportableCompFromOrganization013000
IRS990/Form990PartVIISectionA/ReportableCompFromOrganization10
IRS990/Form990PartVIISectionA/ReportableCompFromOrganization20
IRS990/Form990PartVIISectionA/ReportableCompFromOrganization30
IRS990/Form990PartVIISectionA/ReportableCompFromOrganization40
IRS990/Form990PartVIISectionA/ReportableCompFromOrganization50
IRS990/Form990PartVIISectionA/ReportableCompFromOrganization60
IRS990/Form990PartVIISectionA/ReportableCompFromOrganization70
IRS990/Form990PartVIISectionA/ReportableCompFromOrganization899443
IRS990/Form990PartVIISectionA/ReportableCompFromOrganization935685
IRS990/Form990PartVIISectionA/ReportableCompFromRelatedOrgs00
IRS990/Form990PartVIISectionA/ReportableCompFromRelatedOrgs10
IRS990/Form990PartVIISectionA/ReportableCompFromRelatedOrgs20
IRS990/Form990PartVIISectionA/ReportableCompFromRelatedOrgs30
IRS990/Form990PartVIISectionA/ReportableCompFromRelatedOrgs40
IRS990/Form990PartVIISectionA/ReportableCompFromRelatedOrgs50
IRS990/Form990PartVIISectionA/ReportableCompFromRelatedOrgs60
IRS990/Form990PartVIISectionA/ReportableCompFromRelatedOrgs70
IRS990/Form990PartVIISectionA/ReportableCompFromRelatedOrgs80
IRS990/Form990PartVIISectionA/ReportableCompFromRelatedOrgs90
IRS990/Form990PartVIISectionA/Title0Chairman
IRS990/Form990PartVIISectionA/Title1Secretary
IRS990/Form990PartVIISectionA/Title2VP Canada
IRS990/Form990PartVIISectionA/Title3Director
IRS990/Form990PartVIISectionA/Title4Director
IRS990/Form990PartVIISectionA/Title5Director
IRS990/Form990PartVIISectionA/Title6Director
IRS990/Form990PartVIISectionA/Title7Director
IRS990/Form990PartVIISectionA/Title8CFO
IRS990/Form990PartVIISectionA/Title9President
IRS990/Form990ProvidedToGoverningBody00
IRS990/FormersListed00
IRS990/FSAudited00
IRS990/FundraisingActivities00
IRS990/FundraisingDirectExpenses00
IRS990/FundraisingEvents00
IRS990/GainOrLoss/Other095718
IRS990/GainOrLoss/Securities00
IRS990/Gaming00
IRS990/GamingDirectExpenses00
IRS990/GovernmentGrants00
IRS990/GrantsAndSimilarAmntsCY00
IRS990/GrantsAndSimilarAmntsPriorYear00
IRS990/GrantsPayable/BOY00
IRS990/GrantsPayable/EOY00
IRS990/GrantsToDomesticIndividuals/Total00
IRS990/GrantsToDomesticOrgs/Total00
IRS990/GrantsToIndividuals00
IRS990/GrantsToOrganizations00
IRS990/GrantToRelatedPerson00
IRS990/GrossAmountSalesAssets/Other0834657
IRS990/GrossAmountSalesAssets/Securities00
IRS990/GrossIncomeFundraisingEvents00
IRS990/GrossIncomeGaming00
IRS990/GrossReceipts0977836
IRS990/GrossRents/Personal01000
IRS990/GrossRents/Real00
IRS990/GrossSalesOfInventory00
IRS990/GroupExemptionNumber00179
IRS990/GroupReturnForAffiliates01
IRS990/Hospital00
IRS990/IncomeFromInvestBondProceeds/ExclusionAmount00
IRS990/IncomeFromInvestBondProceeds/RelatedOrExemptFunctionIncome00
IRS990/IncomeFromInvestBondProceeds/TotalRevenueColumn00
IRS990/IncomeFromInvestBondProceeds/UnrelatedBusinessRevenue00
IRS990/IndependentAuditFinancialStmt00
IRS990/IndoorTanningServices00
IRS990/InfoInScheduleOPartVI0X
IRS990/InfoInScheduleOPartXI0X
IRS990/InformationTechnology/Total066416
IRS990/Insurance/Total08805
IRS990/Interest/Total00
IRS990/InventoriesForSaleOrUse/BOY00
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IRS990/InvestmentIncomeCurrentYear0162039
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IRS990/InvestmentIncome/RelatedOrExemptFunctionIncome066321
IRS990/InvestmentIncome/TotalRevenueColumn066321
IRS990/InvestmentIncome/UnrelatedBusinessRevenue00
IRS990/InvestmentInJointVenture00
IRS990/InvestmentsPubTradedSecurities/BOY0125177
IRS990/InvestmentsPubTradedSecurities/EOY0125128
IRS990/LandBldgEquipmentAccumDeprec076343
IRS990/LandBuildingsEquipmentBasis076343
IRS990/LandBuildingsEquipmentBasisNet/BOY06380
IRS990/LandBuildingsEquipmentBasisNet/EOY00
IRS990/LessCostOthBasisSalesExpenses/Other0738939
IRS990/LessCostOthBasisSalesExpenses/Securities00
IRS990/LessRentalExpenses/Personal00
IRS990/LessRentalExpenses/Real00
IRS990/LoansFromOfficersDirectors/BOY00
IRS990/LoansFromOfficersDirectors/EOY00
IRS990/LoanToOfficerOrDQP00
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IRS990/MembersOrStockholders01
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IRS990/MiscellaneousRevenue/RelatedOrExemptFunctionIncome072590
IRS990/MiscellaneousRevenue/TotalRevenueColumn072590
IRS990/MiscellaneousRevenue/UnrelatedBusinessRevenue00
IRS990/MissionDescription0The Society is currently in Rehabilitation and is in the process of selling its insurance programs. The Society expects to complete the sale of its remaining insurance policies during 2011.
IRS990/MoreThan5000KToIndividuals00
IRS990/MoreThan5000KToOrganizations00
IRS990/MortNotesPyblSecuredInvestProp/BOY00
IRS990/MortNotesPyblSecuredInvestProp/EOY00
IRS990/NameOfForeignCountry0CA
IRS990/NameOfPrincipalOfficerPerson0Pauline L Lally
IRS990/NbrIndependentVotingMembers07
IRS990/NbrVotingGoverningBodyMembers07
IRS990/NbrVotingMembersGoverningBody07
IRS990/NetAssetsOrFundBalancesBOY0982127
IRS990/NetAssetsOrFundBalancesEOY0-720131
IRS990/NetGainOrLossInvestments/ExclusionAmount00
IRS990/NetGainOrLossInvestments/RelatedOrExemptFunctionIncome095718
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IRS990/NetRentalIncomeOrLoss/TotalRevenueColumn01000
IRS990/NetRentalIncomeOrLoss/UnrelatedBusinessRevenue00
IRS990/NetUnrelatedBusinessTxblIncome00
IRS990/NoncashContributions00
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IRS990/Organization501c0X
IRS990/OtherEmployeeBenefits/Total00
IRS990/OtherExpensePriorYear0546745
IRS990/OtherExpensesCurrentYear0-551672
IRS990/OtherExpenses/Description0Commissions
IRS990/OtherExpenses/Description1Tourmed Profit Sharing
IRS990/OtherExpenses/Description2Taxes, Licenses, Fees
IRS990/OtherExpenses/Description3Change in Life Reserves
IRS990/OtherExpenses/Description4Bureau & Assoc Dues
IRS990/OtherExpenses/Total0769
IRS990/OtherExpenses/Total1182027
IRS990/OtherExpenses/Total21986
IRS990/OtherExpenses/Total3-1476164
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IRS990/PartialLiquidation00
IRS990/PaymentsToAffiliates/Total00
IRS990/PayrollTaxes/Total00
IRS990/PensionPlanContributions/Total0474483
IRS990/PledgesAndGrantsReceivable/BOY00
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IRS990/ProgramServiceRevenue/BusinessCode0900099
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IRS990/ProgramServiceRevenue/Description0Insurance Premiums
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IRS990/RegularMonitoringEnforcement01
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IRS990/RelatedOrganizations00
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IRS990/RentalIncomeOrLoss/Personal01000
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IRS990/ReportInvestOthSecurities00
IRS990/ReportLandBldgEquip00
IRS990/ReportOtherAssets00
IRS990/ReportOtherLiabilities00
IRS990/ReportProgRelInvest00
IRS990/RetainedEarningsEndowmentEtc/BOY0982127
IRS990/RetainedEarningsEndowmentEtc/EOY0-720131
IRS990/Revenue03268
IRS990/RevenuesLessExpensesCY0-1800535
IRS990/RevenuesLessExpensesPriorYear0-4188957
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IRS990/RoyaltiesRevenue/RelatedOrExemptFunctionIncome00
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IRS990/Royalties/Total00
IRS990/SalariesEtcCurrentYear0622611
IRS990/SalariesEtcPriorYear0929546
IRS990/SavingsAndTempCashInvestments/BOY016849373
IRS990/SavingsAndTempCashInvestments/EOY014683501
IRS990/ScheduleBRequired00
IRS990ScheduleF/AcctsActvsOutUSTable/NumberOfEmployees00
IRS990ScheduleF/AcctsActvsOutUSTable/NumberOfOffices00
IRS990ScheduleF/AcctsActvsOutUSTable/Region0North America (including Canada and Mexico, but not the United States)
IRS990ScheduleF/AcctsActvsOutUSTable/TotalExpenditures0428322
IRS990ScheduleF/AcctsActvsOutUSTable/TypeOfActivitiesConducted0Program Services
IRS990ScheduleF/BoycottCountries00
IRS990ScheduleF/ForeignPartnership00
IRS990ScheduleF/Form990ScheduleFPartV/Explanation0The expenditures in Canada are professional and administrative fees incurred in winding up the Canadian operations.
IRS990ScheduleF/Form990ScheduleFPartV/Identifier0SchF_P01_S00_L03
IRS990ScheduleF/Form990ScheduleFPartV/ReturnReference0Schedule F, Part I, Line 3
IRS990ScheduleF/InterestInForeignTrust00
IRS990ScheduleF/OwnForeignCorp00
IRS990ScheduleF/PassiveForeignInvestCo00
IRS990ScheduleF/TotalAmountSpent0428322
IRS990ScheduleF/TotalNumberOfEmployees00
IRS990ScheduleF/TotalNumberOfOffices00
IRS990ScheduleF/TransferToForeignCorp00
IRS990/ScheduleJRequired00
IRS990ScheduleO/GeneralExplanation/Explanation0ACA Assurance is a fraternal benefit society that has fraternal members.
IRS990ScheduleO/GeneralExplanation/Explanation1ACA Assurance is a fraternal society that has fraternal members who belong to various lodges. The fraternal members, meeting in congress, elect the members of the board of directors of ACA. Directors serve until the next congress of members elects their successors.
IRS990ScheduleO/GeneralExplanation/Explanation2Certain decisions are reserved to the membership. The primary example would be amendments to the fraternal society's governing documents.
IRS990ScheduleO/GeneralExplanation/Explanation3At the time the Form 990 was filed, ACA Assurance was in court-ordered rehabilitation by the NH Department of Insurance. The Form 990 was reviewed by representatives of the Insurance Department.
IRS990ScheduleO/GeneralExplanation/Explanation4Normally, once per year, the board receives a conflict of interest statement to sign. The company has been in court-ordered Rehabilitation under the supervision of the New Hampshire Commissioner of Insurance since the latter part of 2008.
IRS990ScheduleO/GeneralExplanation/Explanation5The compensation of officers or key employees of the organization has been reviewed and approved by the board of directors. During the period of Rehabilitation, the compensation of certain officers and key employees has also been subject to the review and approval of the New Hampshire Department of Insurance, acting as court-appointed Rehabilitator under New Hampshire law.
IRS990ScheduleO/GeneralExplanation/Explanation6The organization has been regulated as an insurance company. As such, its financial statements have been filed with the New Hampshire Insurance Department.
IRS990ScheduleO/GeneralExplanation/Explanation7Subsequent Event: A court approved 15% assessment totaling approximately $3.4 million was imposed on policyholders of record as of April 1, 2011. The effect of this 15% assessment less additional subsequent expenses booked was to reduce insurance liabilities by $3.4 million and to increase retained earnings.
IRS990ScheduleO/GeneralExplanation/Explanation8Effect of change in Canadian Foreign Exchange rate on net assets
IRS990ScheduleO/GeneralExplanation/Identifier0F990_P06_S0A_L06
IRS990ScheduleO/GeneralExplanation/Identifier1F990_P06_S0A_L07a
IRS990ScheduleO/GeneralExplanation/Identifier2F990_P06_S0A_L07b
IRS990ScheduleO/GeneralExplanation/Identifier3F990_P06_S0B_L11a
IRS990ScheduleO/GeneralExplanation/Identifier4F990_P06_S0B_L12c
IRS990ScheduleO/GeneralExplanation/Identifier5F990_P06_S0B_L15
IRS990ScheduleO/GeneralExplanation/Identifier6F990_P06_S0C_L19
IRS990ScheduleO/GeneralExplanation/Identifier7F990_P10_S00_L32
IRS990ScheduleO/GeneralExplanation/Identifier8F990_P11_S00_L05
IRS990ScheduleO/GeneralExplanation/ReturnReference0Form 990, Part VI, Section A, Line 6
IRS990ScheduleO/GeneralExplanation/ReturnReference1Form 990, Part VI, Section A, Line 7a
IRS990ScheduleO/GeneralExplanation/ReturnReference2Form 990, Part VI, Section A, Line 7b
IRS990ScheduleO/GeneralExplanation/ReturnReference3Form 990, Part VI, Section B, Line 11a
IRS990ScheduleO/GeneralExplanation/ReturnReference4Form 990, Part VI, Section B, Line 12c
IRS990ScheduleO/GeneralExplanation/ReturnReference5Form 990, Part VI, Section B, Line 15
IRS990ScheduleO/GeneralExplanation/ReturnReference6Form 990, Part VI, Section C, Line 19
IRS990ScheduleO/GeneralExplanation/ReturnReference7Form 990, Part X, Line 32
IRS990ScheduleO/GeneralExplanation/ReturnReference8Form 990, Part XI, Line 5
IRS990/ScheduleORequired01
IRS990/School00
IRS990/SignificantChange00
IRS990/SignificantNewProgramServices00
IRS990/StateLegalDomicile0NH
IRS990/StatesWhereCopyOfReturnIsFiled0NH
IRS990/TaxablePartyNotification00
IRS990/TaxExemptBondLiabilities/BOY00
IRS990/TaxExemptBondLiabilities/EOY00
IRS990/TaxExemptBonds00
IRS990/Terminated00
IRS990/TermOrPermanentEndowments00
IRS990/TheBooksAreInCareOf/AddressUS/AddressLine10ACA Assurance in Rehabilitation
IRS990/TheBooksAreInCareOf/AddressUS/AddressLine2055 S Commercial St
IRS990/TheBooksAreInCareOf/AddressUS/City0Manchester
IRS990/TheBooksAreInCareOf/AddressUS/State0NH
IRS990/TheBooksAreInCareOf/AddressUS/ZIPCode003101
IRS990/TheBooksAreInCareOf/NamePerson0Pauline Lally

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Filings

Displayed year

2010 • Form 990Facts available. Structured filing facts are available, but richer extracted sections are limited.

Open filing
Assets
$16,701,186
Liabilities
$17,421,317
Net assets
-$720,131
Revenue
-
Expenses
$2,039,432
Net income
-
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2013Summary only. Only limited summary data is available for this year.$0.49$0.02$0.47$0.01$0.04$0.02
2012Summary only. Only limited summary data is available for this year.$0.49$0.00$0.49$0.01$0.52$0.51
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$1.11$0.01$1.11$1.85
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$16.7$17.4$0.72$2.04