Civic Intelligence

Alliance Member Services Inc

EIN 06-1555318 • 501(c)3 • Santa Cruz, CA

Profile

Alliance member services, inc. ("ams") is a supporting organization for the following charitable risk pools: nonprofits insurance alliance of california (niac), alliance of nonprofits for insurance risk retention group (ani), and national alliance of nonprofits for insurance (nani). Ams provides all staff and manages all other business relationships to provide excellent products and services to the members of the supported organizations at its cost. Services include underwriting, policy issuance and servicing, claims handling, loss control services, marketing, accounting, investment management, reinsurance placement and all other administrative and management services as required.

PO Box 8507Santa Cruz, CA 95061-8507

www.insurancefornonprofits.org

Siviq Scores

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

Liabilities / Assets

91st percentile

1.00x

Higher debt load relative to assets than 91% of similar nonprofits.

501(c)3 • $250M-$1B nonprofits • Source year 2024

Liabilities / Revenue

94th percentile

6.50x

Higher debt load relative to revenue than 94% of similar nonprofits.

501(c)3 • $250M-$1B nonprofits • Source year 2024

Net Margin

43rd percentile

1.8%

Higher net margin than 43% of similar nonprofits.

501(c)3 • $250M-$1B nonprofits • Source year 2024

Top Officer Pay

34th percentile

$533,179

Higher top officer pay than 34% of similar nonprofits.

Top officer pay equals 1.6% of source-year revenue.

501(c)3 • $250M-$1B nonprofits • Source year 2023

Asset Growth

73rd percentile

11%

Faster asset growth than 73% of similar nonprofits.

501(c)3 • $250M-$1B nonprofits • Annualized from 2023 to 2024

Revenue Growth

76th percentile

17%

Faster revenue growth than 76% of similar nonprofits.

501(c)3 • $250M-$1B nonprofits • Annualized from 2023 to 2024

Assets

Up

$250,802,939

Up $25,326,783 (+11%) from 2023

Liabilities

Up

$250,094,404

Up $24,618,248 (+11%) from 2023

Net Assets

Up

$708,535

Up $708,535 from 2023

Revenue

Up

$38,486,764

Up $5,711,977 (+17%) from 2023

Expenses

Up

$37,778,229

Up $5,003,442 (+15%) from 2023

Net Income

Up

$708,535

Up $708,535 from 2023

Trend Graphs

Balance Sheet Trend

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

$300M$200M$100M$0Assets 2010: $32,570,418Liabilities 2010: $32,570,418Net Assets 2010: $02010Assets 2011: $36,918,165Liabilities 2011: $36,918,165Net Assets 2011: $02011Assets 2012: $46,514,273Liabilities 2012: $46,514,273Net Assets 2012: $02012Assets 2013: $56,568,100Liabilities 2013: $56,568,100Net Assets 2013: $02013Assets 2014: $64,444,320Liabilities 2014: $64,444,320Net Assets 2014: $02014Assets 2015: $75,249,738Liabilities 2015: $75,249,738Net Assets 2015: $02015Assets 2016: $80,066,956Liabilities 2016: $80,066,956Net Assets 2016: $02016Assets 2017: $86,906,022Liabilities 2017: $86,906,022Net Assets 2017: $02017Assets 2018: $96,943,608Liabilities 2018: $96,943,608Net Assets 2018: $02018Assets 2019: $109,510,190Liabilities 2019: $109,510,190Net Assets 2019: $02019Assets 2020: $127,727,627Liabilities 2020: $127,727,627Net Assets 2020: $02020Assets 2021: $146,353,326Liabilities 2021: $146,353,326Net Assets 2021: $02021Assets 2022: $181,240,220Liabilities 2022: $181,240,220Net Assets 2022: $02022Assets 2023: $225,476,156Liabilities 2023: $225,476,156Net Assets 2023: $02023Assets 2024: $250,802,939Liabilities 2024: $250,094,404Net Assets 2024: $708,5352024

Highlighted filing

2024

Assets$250,802,939
Liabilities$250,094,404
Net Assets$708,535

Operations Trend

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

$40M$30M$20M$10M$0Expenses 2010: $8,853,2662010Expenses 2011: $9,389,7262011Expenses 2012: $10,453,4552012Revenue 2013: $11,325,391Expenses 2013: $11,325,391Net Income 2013: $02013Revenue 2014: $12,393,586Expenses 2014: $12,393,586Net Income 2014: $02014Revenue 2015: $13,071,076Expenses 2015: $13,071,076Net Income 2015: $02015Revenue 2016: $13,829,961Expenses 2016: $13,829,961Net Income 2016: $02016Revenue 2017: $15,211,736Expenses 2017: $15,211,736Net Income 2017: $02017Revenue 2018: $16,384,337Expenses 2018: $16,384,337Net Income 2018: $02018Revenue 2019: $17,561,953Expenses 2019: $17,561,953Net Income 2019: $02019Revenue 2020: $19,742,893Expenses 2020: $19,742,893Net Income 2020: $02020Revenue 2021: $23,122,864Expenses 2021: $23,122,864Net Income 2021: $02021Revenue 2022: $28,298,931Expenses 2022: $28,298,931Net Income 2022: $02022Revenue 2023: $32,774,787Expenses 2023: $32,774,787Net Income 2023: $02023Revenue 2024: $38,486,764Expenses 2024: $37,778,229Net Income 2024: $708,5352024

Highlighted filing

2024

Revenue$38,486,764
Expenses$37,778,229
Net Income$708,535

Filings

Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Detailed filing. Detailed filing data is available for this year.$251$250$0.71$38.5$37.8$0.71
2023Detailed filing. Detailed filing data is available for this year.$225$225$0.00$32.8$32.8$0.00
2022Detailed filing. Detailed filing data is available for this year.$181$181$0.00$28.3$28.3$0.00
2021Detailed filing. Detailed filing data is available for this year.$146$146$0.00$23.1$23.1$0.00
2020Detailed filing. Detailed filing data is available for this year.$128$128$0.00$19.7$19.7$0.00
2019Detailed filing. Detailed filing data is available for this year.$110$110$0.00$17.6$17.6$0.00
2018Detailed filing. Detailed filing data is available for this year.$96.9$96.9$0.00$16.4$16.4$0.00
2017Detailed filing. Detailed filing data is available for this year.$86.9$86.9$0.00$15.2$15.2$0.00
2016Detailed filing. Detailed filing data is available for this year.$80.1$80.1$0.00$13.8$13.8$0.00
2015Detailed filing. Detailed filing data is available for this year.$75.2$75.2$0.00$13.1$13.1$0.00
2014Detailed filing. Detailed filing data is available for this year.$64.4$64.4$0.00$12.4$12.4$0.00
2013Detailed filing. Detailed filing data is available for this year.$56.6$56.6$0.00$11.3$11.3$0.00
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$46.5$46.5$0.00$10.5
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$36.9$36.9$0.00$9.39
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$32.6$32.6$0.00$8.85
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2024 to Dec 31, 2024
Signed
Oct 30, 2025
Return Version
2024v5.2
Gross Receipts
$38,486,764
Mission and Program Overview

Mission

Alliance member services, inc. ("ams") is a supporting organization for the following charitable risk pools: nonprofits insurance alliance of california (niac), alliance of nonprofits for insurance risk retention group (ani), and national alliance of nonprofits for insurance (nani). Ams provides all staff and manages all other business relationships to provide excellent products and services to the members of the supported organizations at its cost. Services include underwriting, policy issuance and servicing, claims handling, loss control services, marketing, accounting, investment management, reinsurance placement and all other administrative and management services as required.

Supports the operations and activities of the nonprofits insurance alliance of california, the alliance of nonprofits for insurance risk retention group and the national alliance of nonprofits for insurance, as well as such other institutions that qualify under section 501(c)(3) and 501(n) of the internal revenue code, collectively "nia group." nia group serves 501(c)(3) tax exempt nonprofit organizations by providing a stable source of reasonable priced liability insurance tailored to the specialized needs of the nonprofit sector, and assisting these organizations to develop and implement successful loss control and risk management programs.

Balance Sheet Detail
LineBeginningEndChange
Assets
Land, Buildings, and Equipment, Net$35,468,876$45,604,532▲ $10,135,656
Cash and Non-Interest-Bearing Accounts$1,789,581$13,451,254▲ $11,661,673
Prepaid Expenses and Deferred Charges$464,981$2,273,962▲ $1,808,981
Rtn Earn Endowment Incm Other Fnds$0$708,535▲ $708,535
Accounts Receivable$87,370,440$4,761▼ $87,365,679
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$225,476,156$250,802,939▲ $25,326,783
Other Assets Total$100,382,278$189,468,430▲ $89,086,152
Liabilities
Other Liabilities$218,415,595$239,610,020▲ $21,194,425
Accounts Payable and Accrued Expenses$7,060,561$10,484,384▲ $3,423,823
Total Liabilities$225,476,156$250,094,404▲ $24,618,248
Net Assets / Fund Balance
Total Net Assets Fund Balance$0$708,535▲ $708,535
Total Liabilities and Net Assets / Fund Balance$225,476,156$250,802,939▲ $25,326,783

Asset Categories

AssetBook ValueDepreciationBasis
Other Land Buildings$45,452,838$8,435,816$53,888,654
Equipment$151,694$621,449$773,143
Other Assets Org$323,617--
Compensation and Service Providers

Employees

NameTitleFull / Part TimeBaseOtherTotal
Pamela DavisCEO, PresidentPT$381,456$143,036$524,492
Chris ReedChief Risk Officer & General CounselFT$307,677$93,484$401,161
David GibsonChief Claims OfficerFT$297,883$87,679$385,562
Dusti MckeownChief Underwriting OfficerFT$276,283$89,733$366,016
Jean-francois RoyChief Information OfficerFT$288,876$37,416$326,292
Kim AdayCFO & TREASURER (TO JUN '24)PT$263,859$62,413$326,272
Starr ThompsonChief People & Administrative OfficerFT$281,545$28,403$309,948
Starr ThompsonChief People & Administrative Office-$238,621$71,327$309,948
Melissa DalskeChief Experience OfficerFT$241,015$64,698$305,713
Kevin HuthVP of ItFT$218,917$43,347$262,264
Melissa YarnellSenior Manager, Data and AnalyticsFT$212,858$34,029$246,887
Keri PetersonVP of ClaimsFT$197,520$41,757$239,277
Bridget NathanVP of ClaimsFT$197,375$40,286$237,661
Linda BrobeckChief ActuaryFT$206,325$30,120$236,445
Carlos BallesterosCFO & TREASURER (FROM JUN '24)PT$177,433$6,769$184,202

Board Members and Trustees

NameTitle
Tammy WilsonChair
Ann Marie GothardVice Chair
Edward HaikDirector
Martha MarconDirector
Michael ShaverDIRECTOR (FROM FEB '24)
S Orlene GrantDIRECTOR (FROM FEB '24)
Sam SchultzDIRECTOR (TO FEB '24)
Shaun PowersSECRETARY (FROM FEB '24)
Avnish GuptaSECRETARY (TO FEB '24)

Highest Paid Contractors

ContractorServicesLocationCompensation
Deloitte Consulting LLPSoftware Development Consulting Fees4022 SELLS DRIVE, Hermitage, TN 37076$3,699,402
Lamb Financial GroupBroker Commissions420 LEXINGTON AVE 2620, New York, NY 10170$713,918
Acrisure Of California LLCBroker Commissions5664 PRAIRIE CREEK DR, Caledonia, MI 49316$563,966
Cozen O'connorBroker Commissions1650 MARKET ST STE 2800, Philadelphia, PA 19103$434,041
Interwest Insurance Services LLCBroker Commissions1357 EAST LASSEN AVE, Chico, CA 95973$431,646
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$37,240,628
Investment Income
$534,871
Other Revenue
$711,265
Change in Net Assets
$708,535
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Salaries, Compensation, and Employee Benefits$28,222,127
Other Expenses$9,556,102
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages$19,412,347$600,382-$20,012,729
Current Officers, Directors, Trustees, and Key Employees$3,035,768$93,890-$3,129,658
Other Employee Benefits$2,410,691$74,557-$2,485,248
Fees for Services Other$2,033,580$62,894-$2,096,474
Information Technology$1,785,847--$1,785,847
Payroll Taxes$1,704,493--$1,704,493
Office Expenses$1,590,397--$1,590,397
Depreciation Depletion$1,548,115--$1,548,115
Pension Plan Contributions$863,299$26,700-$889,999
Occupancy$694,286--$694,286
Insurance$388,043--$388,043
Advertising$113,712--$113,712
All Other Expenses$80,349--$80,349
Travel$49,444--$49,444
Fees for Services Accounting$41,754--$41,754
Conferences and Meetings$40,617--$40,617
Fees for Services Legal$30,427--$30,427
Other Expenses$23,756--$23,756
Total Functional Expenses$36,919,806$858,423$0$37,778,229
Fundraising, Events, and Gaming
Fundraising activities
No
Gaming activities
No
Professional fundraiser used
No

Fundraising and Gaming Totals

Line ItemAmount
Professional Fundraising Fees$0
Political and Lobbying Activity
Political campaign activity
No
Lobbying activity
No
Subject to proxy tax
No
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Payable to Affiliates$232,586,131
Rou Lease Liability$5,359,333
457(b) Deferred Compensation$1,233,231
Funds Held-nae$305,856
Premium Payable$125,469
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
Yes
Other officer compensation reviewed
Yes
Conflict-of-interest policy
Yes
Audited financial statements prepared
Yes
Key decisions subject to board approval
Yes
Management duties delegated
No

Governance Explanations

Form 990, Part VI, Section A, Line 7B

A vote of two-thirds of the members is required to merge or dissolve the organization.

Form 990, Part VI, Section B, Line 11B

A copy of the form 990 will be made available electronically to ams management, officers, and board of directors for review and discussion prior to filing.

Form 990, Part VI, Section B, Line 12C

Members of the board of directors and senior staff are required to complete a conflict of interest form annually. These forms are reviewed by the chairman of the audit committee.

Form 990, Part VI, Section B, Line 15

The ceo's salary is compared annually to a national database, companalyst, which produces salary information for similarly sized insurance organizations and adjusts for geographic region. The board of directors reviews this information in a meeting without the ceo present and determines the appropriate salary. Typically, the salary chosen is such that the company has to achieve 100% of its goals for the ceo to achieve a salary that is at least 10% less than the average reported compensation of for-profit peer companies ceos. Each year the ceo has 30% of her salary "at risk" if the charitable risk pools do not meet their goals. This lower than average salary recognizes the nonprofit nature of our work, and does not reflect poorer than average performance. The same process as for the ceo is done for each member of the senior management team. The difference in the process is that the ceo establishes the salaries of the other managers around the companalyst averages for similar positions. The board of directors has pre-established ranges within which the ceo may establish salaries of other senior managers and the entire staff. Typically, the staff are at or slightly above average for peers and senior managers are at or slightly below averages. These compensation figures assume that the charitable risk pools being served meet their goals. If they do not, a certain portion of each employees staff is "at risk and compensation falls farther below average.

Form 990, Part VI, Section C, Line 19

Ams' governing documents, conflict of interest policy, financial statements and form 990 are available upon request.

Filing and Contact Details

Filer

Filer Name
Alliance Member Services Inc
EIN
06-1555318
Phone
8314590980
Address
PO BOX 8507, SANTA CRUZ, CA 95061-8507

Signing Officer

Name
Carlos Ballesteros
Title
CFO & Treasurer
Phone
8314590980
Signed
2025-10-30
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Pamela Davis
Formed
1999
Legal Domicile
Vt
Voting Board Members
8
Independent Board Members
7
Employees
228
Volunteers
9

Preparer

Firm
Johnson Lambert Llp
Address
4242 SIX FORKS ROAD SUITE 1500, RALEIGH, NC 27609
Preparer
J Calvin Marks
Phone
9197196400
Supplemental Narrative

Financial Statement Notes

PART X, LINE 2:

Management concluded that all tax-exempt companies have properly maintained their exempt status and that no uncertain tax positions exist as of december 31, 2024.

Raw XML AppendixShowing 400 of 902 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/ActivityOrMissionDesc0SUPPORTS THE OPERATIONS AND ACTIVITIES OF THE NONPROFITS INSURANCE ALLIANCE OF CALIFORNIA, THE ALLIANCE OF NONPROFITS FOR INSURANCE RISK RETENTION GROUP AND THE NATIONAL ALLIANCE OF NONPROFITS FOR INSURANCE, AS WELL AS SUCH OTHER INSTITUTIONS THAT QUALIFY UNDER SECTION 501(C)(3) AND 501(N) OF THE INTERNAL REVENUE CODE, COLLECTIVELY "NIA GROUP." NIA GROUP SERVES 501(C)(3) TAX EXEMPT NONPROFIT ORGANIZATIONS BY PROVIDING A STABLE SOURCE OF REASONABLE PRICED LIABILITY INSURANCE TAILORED TO THE SPECIALIZED NEEDS OF THE NONPROFIT SECTOR, AND ASSISTING THESE ORGANIZATIONS TO DEVELOP AND IMPLEMENT SUCCESSFUL LOSS CONTROL AND RISK MANAGEMENT PROGRAMS.
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IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt90
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IRS990/Form990PartVIISectionAGrp/TitleTxt0CEO, PRESIDENT
IRS990/Form990PartVIISectionAGrp/TitleTxt1CHAIR
IRS990/Form990PartVIISectionAGrp/TitleTxt2VICE CHAIR
IRS990/Form990PartVIISectionAGrp/TitleTxt3SECRETARY (TO FEB '24)
IRS990/Form990PartVIISectionAGrp/TitleTxt4SECRETARY (FROM FEB '24)
IRS990/Form990PartVIISectionAGrp/TitleTxt5DIRECTOR (FROM FEB '24)
IRS990/Form990PartVIISectionAGrp/TitleTxt6DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt7DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt8DIRECTOR (TO FEB '24)
IRS990/Form990PartVIISectionAGrp/TitleTxt9DIRECTOR (FROM FEB '24)
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IRS990/Form990PartVIISectionAGrp/TitleTxt12CHIEF RISK OFFICER & GENERAL COUNSEL
IRS990/Form990PartVIISectionAGrp/TitleTxt13CHIEF CLAIMS OFFICER
IRS990/Form990PartVIISectionAGrp/TitleTxt14CHIEF UNDERWRITING OFFICER
IRS990/Form990PartVIISectionAGrp/TitleTxt15CHIEF INFORMATION OFFICER
IRS990/Form990PartVIISectionAGrp/TitleTxt16CHIEF EXPERIENCE OFFICER
IRS990/Form990PartVIISectionAGrp/TitleTxt17CHIEF PEOPLE & ADMINISTRATIVE OFFICER
IRS990/Form990PartVIISectionAGrp/TitleTxt18VP OF IT
IRS990/Form990PartVIISectionAGrp/TitleTxt19SENIOR MANAGER, DATA AND ANALYTICS
IRS990/Form990PartVIISectionAGrp/TitleTxt20CHIEF ACTUARY
IRS990/Form990PartVIISectionAGrp/TitleTxt21VP OF CLAIMS
IRS990/Form990PartVIISectionAGrp/TitleTxt22VP OF CLAIMS
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IRS990/MissionDesc0ALLIANCE MEMBER SERVICES, INC. ("AMS") IS A SUPPORTING ORGANIZATION FOR THE FOLLOWING CHARITABLE RISK POOLS: NONPROFITS INSURANCE ALLIANCE OF CALIFORNIA (NIAC), ALLIANCE OF NONPROFITS FOR INSURANCE RISK RETENTION GROUP (ANI), AND NATIONAL ALLIANCE OF NONPROFITS FOR INSURANCE (NANI). AMS PROVIDES ALL STAFF AND MANAGES ALL OTHER BUSINESS RELATIONSHIPS TO PROVIDE EXCELLENT PRODUCTS AND SERVICES TO THE MEMBERS OF THE SUPPORTED ORGANIZATIONS AT ITS COST. SERVICES INCLUDE UNDERWRITING, POLICY ISSUANCE AND SERVICING, CLAIMS HANDLING, LOSS CONTROL SERVICES, MARKETING, ACCOUNTING, INVESTMENT MANAGEMENT, REINSURANCE PLACEMENT AND ALL OTHER ADMINISTRATIVE AND MANAGEMENT SERVICES AS REQUIRED.
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