Civic Intelligence

Center for Insurance Research Inc

EIN 04-3197819 • 501(c)3 • Haverhill, MA

Profile

INSURANCE REFORM

145 South Main StreetHaverhill, MA 01835

n/A

Siviq Scores

Precomputed percentiles relative to similar nonprofits. These scores are descriptive rather than judgmental.

Liabilities / Assets

84th percentile

0.23x

Higher debt load relative to assets than 84% of similar nonprofits.

501(c)3 • <$500k nonprofits • Source year 2024

Liabilities / Revenue

98th percentile

3.44x

Higher debt load relative to revenue than 98% of similar nonprofits.

501(c)3 • <$500k nonprofits • Source year 2024

Net Margin

49th percentile

1.1%

Higher net margin than 49% of similar nonprofits.

501(c)3 • <$500k nonprofits • Source year 2024

Top Officer Pay

81st percentile

$0

Higher top officer pay than 81% of similar nonprofits.

Top officer pay equals 0.0% of source-year revenue.

501(c)3 • <$500k nonprofits • Source year 2024

Asset Growth

45th percentile

-5.7%

Faster asset growth than 45% of similar nonprofits.

501(c)3 • <$500k nonprofits • Annualized from 2023 to 2024

Revenue Growth

51st percentile

-1.2%

Faster revenue growth than 51% of similar nonprofits.

501(c)3 • <$500k nonprofits • Annualized from 2023 to 2024

Balance Sheet
Liabilities / Assets84th percentile

Assets

Down

$117,838

Down $7,111 (-5.7%) from 2023

Liabilities

Down

$27,616

Down $7,200 (-21%) from 2023

Net Assets

Up

$90,222

Up $89 (+0.1%) from 2023

Operations
Liabilities / Revenue98th percentileNet Margin49th percentile

Revenue

Down

$8,038

Down $99 (-1.2%) from 2023

Expenses

Up

$7,949

Up $852 (+12%) from 2023

Net Income

Down

$89

Down $951 (-91%) from 2023

Trend Graphs

Balance Sheet Trend

Asset Growth45th percentile

Grouped bars show assets, liabilities, and net assets across loaded filings.

$300K$200K$100K$0Assets 2011: $251,518Liabilities 2011: $177,716Net Assets 2011: $73,8022011Assets 2012: $247,610Liabilities 2012: $177,7162012Assets 2013: $226,650Liabilities 2013: $153,716Net Assets 2013: $72,9342013Assets 2014: $204,830Liabilities 2014: $129,716Net Assets 2014: $75,1142014Assets 2015: $191,911Liabilities 2015: $105,716Net Assets 2015: $86,1952015Assets 2016: $175,868Liabilities 2016: $89,716Net Assets 2016: $86,1522016Assets 2017: $165,272Liabilities 2017: $78,716Net Assets 2017: $86,5562017Assets 2018: $154,820Liabilities 2018: $68,216Net Assets 2018: $86,6042018Assets 2019: $149,287Liabilities 2019: $62,616Net Assets 2019: $86,6712019Assets 2020: $144,942Liabilities 2020: $56,416Net Assets 2020: $88,5262020Assets 2021: $137,964Liabilities 2021: $49,216Net Assets 2021: $88,7482021Assets 2022: $131,109Liabilities 2022: $42,016Net Assets 2022: $89,0932022Assets 2023: $124,949Liabilities 2023: $34,816Net Assets 2023: $90,1332023Assets 2024: $117,838Liabilities 2024: $27,616Net Assets 2024: $90,2222024

Highlighted filing

2024

Assets$117,838
Liabilities$27,616
Net Assets$90,222
Open 2024 Filing

Operations Trend

Revenue Growth51st percentile

Revenue, expenses, and net income by year, with the latest filing highlighted.

$40K$20K$0-$20K-$40KRevenue 2011: $1,058Expenses 2011: $25,831Net Income 2011: -$24,7732011Revenue 2012: $16,275Expenses 2012: $20,183Net Income 2012: -$3,9082012Revenue 2013: $15,957Expenses 2013: $12,917Net Income 2013: $3,0402013Revenue 2014: $24,520Expenses 2014: $22,340Net Income 2014: $2,1802014Revenue 2015: $24,493Expenses 2015: $13,412Net Income 2015: $11,0812015Revenue 2016: $16,321Expenses 2016: $16,364Net Income 2016: -$432016Revenue 2017: $11,287Expenses 2017: $10,883Net Income 2017: $4042017Revenue 2018: $10,951Expenses 2018: $10,903Net Income 2018: $482018Revenue 2019: $6,203Expenses 2019: $6,136Net Income 2019: $672019Revenue 2020: $6,558Expenses 2020: $4,703Net Income 2020: $1,8552020Revenue 2021: $7,397Expenses 2021: $7,175Net Income 2021: $2222021Revenue 2022: $7,430Expenses 2022: $7,085Net Income 2022: $3452022Revenue 2023: $8,137Expenses 2023: $7,097Net Income 2023: $1,0402023Revenue 2024: $8,038Expenses 2024: $7,949Net Income 2024: $892024

Highlighted filing

2024

Revenue$8,038
Expenses$7,949
Net Income$89
Open 2024 Filing

Filings

Most recent year

2024 • Form 990EZDetailed filing. Detailed filing data is available for this year.

Open filing
Assets
$117,838
Liabilities
$27,616
Net assets
$90,222
Revenue
$8,038
Expenses
$7,949
Net income
$89
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Detailed filing. Detailed filing data is available for this year.$1.18$0.28$0.90$0.08$0.08$0.00
2023Detailed filing. Detailed filing data is available for this year.$1.25$0.35$0.90$0.08$0.07$0.01
2022Detailed filing. Detailed filing data is available for this year.$1.31$0.42$0.89$0.07$0.07$0.00
2021XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$1.38$0.49$0.89$0.07$0.07$0.00
2020Detailed filing. Detailed filing data is available for this year.$1.45$0.56$0.89$0.07$0.05$0.02
2019XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$1.49$0.63$0.87$0.06$0.06$0.00
2018XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$1.55$0.68$0.87$0.11$0.11$0.00
2017XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$1.65$0.79$0.87$0.11$0.11$0.00
2016Detailed filing. Detailed filing data is available for this year.$1.76$0.90$0.86$0.16$0.16$0.00
2015Detailed filing. Detailed filing data is available for this year.$1.92$1.06$0.86$0.24$0.13$0.11
2014Detailed filing. Detailed filing data is available for this year.$2.05$1.30$0.75$0.25$0.22$0.02
2013Detailed filing. Detailed filing data is available for this year.$2.27$1.54$0.73$0.16$0.13$0.03
2012Summary only. Only limited summary data is available for this year.$2.48$1.78$0.16$0.20$0.04
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$2.52$1.78$0.74$0.01$0.26$0.25
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2024 to Dec 31, 2024
Signed
Nov 3, 2025
Return Version
2024v5.2
Gross Receipts
$8,038
Mission and Program Overview

Mission

INSURANCE REFORM

Program Services

DescriptionGrantsExpenses
CONDUCTING RESEARCH CONCERNING INSURANCE REFORM$0$7,949
Compensation and Service Providers
Top Officer Pay81st percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
BRIAN HAUBENSTOCKPresident, Treasurer And D-$0--
RICHARD DUBOISDirector-$0--
DR WINTHROP ADKINSDirector-$0--
BRENDAN BRIDGELANDDirectorPT$0--
NATHANIEL ORENSTEINClerk-$0--
Filing and Contact Details

Filer

Filer Name
Center for Insurance Research Inc
EIN
04-3197819
Phone
6174412900
Address
145 SOUTH MAIN STREET, HAVERHILL, MA 01835

Signing Officer

Name
Brendan Bridgeland
Title
Director
Phone
6174412900
Signed
2025-11-03
Discuss with paid preparer
Yes

Preparer

Firm
Johanna E Higham Pc
Address
18 LYMAN STREET, WESTBOROUGH, MA 01581
Preparer
Johanna E Higham CPA
Phone
5088982425
Supplemental Narrative

Additional Explanations

Form 990-EZ, Part I, Line 8 - Other Revenue

“Description: DIVIDENDS AND INTEREST. Amount: 838.”

Form 990-EZ, Part I, Line 16 - Other Expenses

“Description: WEBSITE. Amount: 388. Description: INSURANCE. Amount: 3661. Description: OTHER. Amount: 300. Total to Form 990-EZ, line 16: 4349.”

Form 990-EZ, Part II, Line 26 - Other Liabilities

“Description: DEFERRED REVENUE. Beg. of Year Amount: 34816. End of Year Amount: 27616.”

Raw XML Appendix149 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
IRS990EZ/ActivitiesNotPreviouslyRptInd00
IRS990EZ/BooksInCareOfDetail/BusinessName/BusinessNameLine1Txt0THE ORGANIZATION
IRS990EZ/BooksInCareOfDetail/PhoneNum06174412900
IRS990EZ/BooksInCareOfDetail/USAddress/AddressLine1Txt01130 MASSACHUSETTS AVENUE
IRS990EZ/BooksInCareOfDetail/USAddress/CityNm0CAMBRIDGE
IRS990EZ/BooksInCareOfDetail/USAddress/StateAbbreviationCd0MA
IRS990EZ/BooksInCareOfDetail/USAddress/ZIPCd002138
IRS990EZ/CashSavingsAndInvestmentsGrp/BOYAmt0124949
IRS990EZ/CashSavingsAndInvestmentsGrp/EOYAmt0117838
IRS990EZ/ChgMadeToOrgnzngDocNotRptInd00
IRS990EZ/ContributionsGiftsGrantsEtcAmt07200
IRS990EZ/DirectIndirectPltclExpendAmt00
IRS990EZ/DonorAdvisedFndsInd00
IRS990EZ/EngagedInExcessBenefitTransInd00
IRS990EZ/ExcessOrDeficitForYearAmt089
IRS990EZ/FiledScheduleAInd01
IRS990EZ/ForeignFinancialAccountInd00
IRS990EZ/ForeignOfficeInd00
IRS990EZ/Form990TotalAssetsGrp/BOYAmt0124949
IRS990EZ/Form990TotalAssetsGrp/EOYAmt0117838
IRS990EZ/GrossReceiptsAmt08038
IRS990EZ/InfoInScheduleOPartIIInd0X
IRS990EZ/InfoInScheduleOPartIInd0X
IRS990EZ/InfoInScheduleOPartVInd0X
IRS990EZ/LobbyingActivitiesInd00
IRS990EZ/MadeLoansToFromOfficersInd00
IRS990EZ/MethodOfAccountingAccrualInd0X
IRS990EZ/NetAssetsOrFundBalancesBOYAmt090133
IRS990EZ/NetAssetsOrFundBalancesEOYAmt090222
IRS990EZ/NetAssetsOrFundBalancesGrp/BOYAmt090133
IRS990EZ/NetAssetsOrFundBalancesGrp/EOYAmt090222
IRS990EZ/OccupancyRentUtltsAndMaintAmt03600
IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt01.00
IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt11.00
IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt21.00
IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt35.00
IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt41.00
IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt00
IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt10
IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt20
IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt30
IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt40
IRS990EZ/OfficerDirectorTrusteeEmplGrp/EmployeeBenefitProgramAmt00
IRS990EZ/OfficerDirectorTrusteeEmplGrp/EmployeeBenefitProgramAmt10
IRS990EZ/OfficerDirectorTrusteeEmplGrp/EmployeeBenefitProgramAmt20
IRS990EZ/OfficerDirectorTrusteeEmplGrp/EmployeeBenefitProgramAmt30
IRS990EZ/OfficerDirectorTrusteeEmplGrp/EmployeeBenefitProgramAmt40
IRS990EZ/OfficerDirectorTrusteeEmplGrp/ExpenseAccountOtherAllwncAmt00
IRS990EZ/OfficerDirectorTrusteeEmplGrp/ExpenseAccountOtherAllwncAmt10
IRS990EZ/OfficerDirectorTrusteeEmplGrp/ExpenseAccountOtherAllwncAmt20
IRS990EZ/OfficerDirectorTrusteeEmplGrp/ExpenseAccountOtherAllwncAmt30
IRS990EZ/OfficerDirectorTrusteeEmplGrp/ExpenseAccountOtherAllwncAmt40
IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm0BRIAN HAUBENSTOCK
IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm1RICHARD DUBOIS
IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm2DR WINTHROP ADKINS
IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm3BRENDAN BRIDGELAND
IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm4NATHANIEL ORENSTEIN
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt0PRESIDENT, TREASURER AND D
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt1DIRECTOR
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt2DIRECTOR
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt3DIRECTOR
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt4CLERK
IRS990EZ/OperateHospitalInd00
IRS990EZ/Organization501c3Ind0X
IRS990EZ/OrganizationDissolvedEtcInd00
IRS990EZ/OrganizationHadUBIInd00
IRS990EZ/OtherChangesInNetAssetsAmt00
IRS990EZ/OtherExpensesTotalAmt04349
IRS990EZ/OtherRevenueTotalAmt0838
IRS990EZ/PartVIHghstPdCntrctProfSrvcTxt0NONE
IRS990EZ/PartVIOfCompOfHghstPdEmplTxt0NONE
IRS990EZ/PoliticalCampaignActyInd00
IRS990EZ/PrimaryExemptPurposeTxt0INSURANCE REFORM
IRS990EZ/ProgramSrvcAccomplishmentGrp/DescriptionProgramSrvcAccomTxt0CONDUCTING RESEARCH CONCERNING INSURANCE REFORM
IRS990EZ/ProgramSrvcAccomplishmentGrp/GrantsAndAllocationsAmt00
IRS990EZ/ProgramSrvcAccomplishmentGrp/ProgramServiceExpensesAmt07949
IRS990EZ/ProhibitedTaxShelterTransInd00
IRS990EZ/RelatedOrganizationCtrlEntInd00
IRS990EZ/ScheduleBNotRequiredInd0X
IRS990EZ/SchoolOperatingInd00
IRS990EZ/SubjectToProxyTaxInd00
IRS990EZ/SumOfTotalLiabilitiesGrp/BOYAmt034816
IRS990EZ/SumOfTotalLiabilitiesGrp/EOYAmt027616
IRS990EZ/TanningServicesProvidedInd00
IRS990EZ/TaxImposedOnOrganizationMgrAmt00
IRS990EZ/TaxImposedUnderIRC4911Amt00
IRS990EZ/TaxImposedUnderIRC4912Amt00
IRS990EZ/TaxImposedUnderIRC4955Amt00
IRS990EZ/TaxReimbursedByOrganizationAmt00
IRS990EZ/TotalExpensesAmt07949
IRS990EZ/TotalProgramServiceExpensesAmt07949
IRS990EZ/TotalRevenueAmt08038
IRS990EZ/TrnsfrExmptNonChrtblRltdOrgInd00
IRS990EZ/TypeOfOrganizationCorpInd0X
IRS990EZ/WebsiteAddressTxt0N/A
IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/CurrentTaxYearAmt07200
IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/CurrentTaxYearMinus1YearAmt07200
IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/CurrentTaxYearMinus2YearsAmt07200
IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/CurrentTaxYearMinus3YearsAmt07200
IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/CurrentTaxYearMinus4YearsAmt06200
IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/TotalAmt035000
IRS990ScheduleA/PublicOrganization170Ind0X
IRS990ScheduleA/PublicSupportCY170Pct01.00000
IRS990ScheduleA/PublicSupportPY170Pct01.00000
IRS990ScheduleA/PublicSupportTotal170Amt035000
IRS990ScheduleA/ThirtyThrPctSuprtTestsCY170Ind0X
IRS990ScheduleA/TotalCalendarYear170Grp/CurrentTaxYearAmt07200
IRS990ScheduleA/TotalCalendarYear170Grp/CurrentTaxYearMinus1YearAmt07200
IRS990ScheduleA/TotalCalendarYear170Grp/CurrentTaxYearMinus2YearsAmt07200
IRS990ScheduleA/TotalCalendarYear170Grp/CurrentTaxYearMinus3YearsAmt07200
IRS990ScheduleA/TotalCalendarYear170Grp/CurrentTaxYearMinus4YearsAmt06200
IRS990ScheduleA/TotalCalendarYear170Grp/TotalAmt035000
IRS990ScheduleA/TotalSupportAmt035000
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0Description: DIVIDENDS AND INTEREST. Amount: 838.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1Description: WEBSITE. Amount: 388. Description: INSURANCE. Amount: 3661. Description: OTHER. Amount: 300. Total to Form 990-EZ, line 16: 4349.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2Description: DEFERRED REVENUE. Beg. of Year Amount: 34816. End of Year Amount: 27616.
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0Form 990-EZ, Part I, Line 8 - Other Revenue
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1Form 990-EZ, Part I, Line 16 - Other Expenses
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2Form 990-EZ, Part II, Line 26 - Other Liabilities
TransferPrsnlBnftContractsDecl/DeclarationDesc0The organization did not, during the year, receive any funds, directly,or indirectly, to pay premiums on a personal benefit contract.The organization, did not, during the year, pay any premiums, directly,or indirectly, on a personal benefit contract.
ReturnHeader/BuildTS02025-03-06 01:10:19Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd01
ReturnHeader/BusinessOfficerGrp/PersonNm0BRENDAN BRIDGELAND
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0DIRECTOR
ReturnHeader/BusinessOfficerGrp/PhoneNum06174412900
ReturnHeader/BusinessOfficerGrp/SignatureDt02025-11-03
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0CENTER FOR INSURANCE RESEARCH INC
ReturnHeader/Filer/BusinessNameControlTxt0CENT
ReturnHeader/Filer/EIN0043197819
ReturnHeader/Filer/PhoneNum06174412900
ReturnHeader/Filer/USAddress/AddressLine1Txt0145 SOUTH MAIN STREET
ReturnHeader/Filer/USAddress/CityNm0HAVERHILL
ReturnHeader/Filer/USAddress/StateAbbreviationCd0MA
ReturnHeader/Filer/USAddress/ZIPCd001835
ReturnHeader/IRSResponsiblePrtyInfoCurrInd00
ReturnHeader/PreparerFirmGrp/PreparerFirmEIN0043161959
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt0JOHANNA E HIGHAM PC
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt018 LYMAN STREET
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm0WESTBOROUGH
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd0MA
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCd001581
ReturnHeader/PreparerPersonGrp/PhoneNum05088982425
ReturnHeader/PreparerPersonGrp/PreparationDt02025-11-03
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0JOHANNA E HIGHAM CPA
ReturnHeader/ReturnTs02025-11-03T06:36:08-06:00
ReturnHeader/ReturnTypeCd0990EZ
ReturnHeader/TaxPeriodBeginDt02024-01-01
ReturnHeader/TaxPeriodEndDt02024-12-31
ReturnHeader/TaxYr02024

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Peer Organizations

Similar nonprofits based on the same Siviq industry and scale cohort. 501(c)3 • <$500k nonprofits