Civic Intelligence

Pyramid Insurance Trust

990 • Fiscal year 2013 • EIN 22-6631462

May 01, 2012 to Apr 30, 2013 • Filed on Jan 20, 2014

Organization ProfileN/A

View Organization Page

C/O Mc Management 301 Route 10 East07981
Siviq Scores

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

Liabilities / Assets

36th percentile

0.00x

Tied with the lowest-debt nonprofits in its peer group.

2013 filings • 501(c)9 • $1M-$5M nonprofits • Source year 2013

Liabilities / Revenue

Score unavailable

No value available

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

Source year 2013

Net Margin

Score unavailable

No value available

Net margin requires both revenue and expenses on this filing.

Source year 2013

Top Officer Pay

Score unavailable

No value available

This filing does not contain officer compensation rows.

Source year 2013

Asset Growth

59th percentile

7.7%

Faster asset growth than 59% of similar nonprofits.

2013 filings • 501(c)9 • $1M-$5M nonprofits • Annualized from 2012 to 2013

Revenue Growth

Score unavailable

No value available

No valid filing value is available for this score.

Balance Sheet
Liabilities / Assets36th percentile

Assets

Up

$183,362

Up $13,086 (+7.7%) from 2012

Net Assets

Up

$183,362

Up $13,086 (+7.7%) from 2012

Liabilities

Flat

$0

Flat from 2012

Revenue And Expenses
Liabilities / RevenueScore unavailableNet MarginScore unavailable

Revenue

-

No earlier filing loaded for comparison.

Expenses

Up

$2,506,853

Up $99,571 (+4.1%) from 2012

Net Income

-

No earlier filing loaded for comparison.

Historical Trend

Balance Sheet Trend

Asset Growth59th percentile

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

$200K$150K$100K$50K$0Assets 2010: $140,978Liabilities 2010: $0Net Assets 2010: $140,9782010Assets 2011: $150,889Liabilities 2011: $0Net Assets 2011: $150,8892011Assets 2012: $170,276Liabilities 2012: $0Net Assets 2012: $170,2762012Assets 2013: $183,362Liabilities 2013: $0Net Assets 2013: $183,3622013Assets 2014: $186,038Liabilities 2014: $0Net Assets 2014: $186,0382014Assets 2015: $185,874Liabilities 2015: $0Net Assets 2015: $185,8742015Assets 2016: $0Liabilities 2016: $0Net Assets 2016: $02016

Highlighted filing

2013

Assets$183,362
Liabilities$0
Net Assets$183,362
Open 2013 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-$1.0MExpenses 2010: $2,074,7872010Expenses 2011: $2,272,3072011Expenses 2012: $2,407,2822012Expenses 2013: $2,506,8532013Revenue 2014: $854,283Expenses 2014: $851,607Net Income 2014: $2,6762014Revenue 2015: $183,361Expenses 2015: $183,525Net Income 2015: -$1642015Revenue 2016: $47,689Expenses 2016: $233,563Net Income 2016: -$185,8742016

Highlighted filing

2013

Revenue-
Expenses$2,506,853
Net Income-
Open 2013 Filing
Jump To
Filing Snapshot
Filing Period
May 1, 2012 to Apr 30, 2013
Signed
Jan 20, 2014
Return Version
2012v2.1
Gross Receipts
$2,519,939
Mission and Program Overview

Mission

Voluntary employee benefits association.

Filing and Contact Details

Filer

EIN
22-6631462
Raw XML Appendix267 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
IRS990/ActivitiesConductedPartnership00
IRS990/ActivityOrMissionDescription0VOLUNTARY EMPLOYEE BENEFITS ASSOCIATION
IRS990/AddressPrincipalOfficerUS/AddressLine10C/O MC MANAGEMENT 301 ROUTE 10 EAST
IRS990/AddressPrincipalOfficerUS/City0WHIPPANY
IRS990/AddressPrincipalOfficerUS/State0NJ
IRS990/AddressPrincipalOfficerUS/ZIPCode007981
IRS990/AuditCommittee01
IRS990/BenefitsPaidToMembersCY03686
IRS990/BenefitsPaidToMembersPriorYear03447
IRS990/BenefitsToMembers/Total03686
IRS990/BsnssRltnshpThruFamilyMember00
IRS990/BsnssRltnshpWithOrganization00
IRS990/ChangesToOrganizingDocs00
IRS990/CollectionsOfArt00
IRS990/CompensationFromOtherSources00
IRS990/CompensationProcessCEO00
IRS990/CompensationProcessOther00
IRS990/ConflictOfInterestPolicy00
IRS990/ConservationEasements00
IRS990/ConsolidatedAuditFinancialStmt00
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IRS990/ContributionsGrantsPriorYear00
IRS990/CreditCounseling00
IRS990/DecisionsSubjectToApproval00
IRS990/DeductibleContributionsOfArt00
IRS990/DeductibleNonCashContributions00
IRS990/DelegationOfManagementDuties00
IRS990/DescribedIn501C300
IRS990/Description0THE VEBA PROVIDES HEALTH AND WELFARE BENEFITS TO THE PARTICIPANTS IN THE PLAN
IRS990/DisregardedEntity00
IRS990/DocumentRetentionPolicy00
IRS990/DonorAdvisedFunds00
IRS990/ElectionOfBoardMembers00
IRS990/FamilyOrBusinessRelationship00
IRS990/FederalGrantAuditRequired00
IRS990/FollowSFAS1170X
IRS990/ForeignActivities00
IRS990/ForeignFinancialAccount00
IRS990/ForeignOffice00
IRS990/Form8282PropertyDisposedOf00
IRS990/Form990PartVIISectionA/AverageHoursPerWeek00.30
IRS990/Form990PartVIISectionA/AverageHoursPerWeek10.30
IRS990/Form990PartVIISectionA/AverageHoursPerWeek20.30
IRS990/Form990PartVIISectionA/AverageHoursPerWeek30.30
IRS990/Form990PartVIISectionA/IndividualTrusteeOrDirector0X
IRS990/Form990PartVIISectionA/IndividualTrusteeOrDirector1X
IRS990/Form990PartVIISectionA/IndividualTrusteeOrDirector2X
IRS990/Form990PartVIISectionA/IndividualTrusteeOrDirector3X
IRS990/Form990PartVIISectionA/NamePerson0SALVATORE M MARINO
IRS990/Form990PartVIISectionA/NamePerson1JANE VARGAS
IRS990/Form990PartVIISectionA/NamePerson2PAUL GUNTHER
IRS990/Form990PartVIISectionA/NamePerson3JOHN KRANKEL
IRS990/Form990PartVIISectionA/OtherCompensation00
IRS990/Form990PartVIISectionA/OtherCompensation10
IRS990/Form990PartVIISectionA/OtherCompensation20
IRS990/Form990PartVIISectionA/OtherCompensation30
IRS990/Form990PartVIISectionA/ReportableCompFromOrganization00
IRS990/Form990PartVIISectionA/ReportableCompFromOrganization10
IRS990/Form990PartVIISectionA/ReportableCompFromOrganization20
IRS990/Form990PartVIISectionA/ReportableCompFromOrganization30
IRS990/Form990PartVIISectionA/ReportableCompFromRelatedOrgs00
IRS990/Form990PartVIISectionA/ReportableCompFromRelatedOrgs10
IRS990/Form990PartVIISectionA/ReportableCompFromRelatedOrgs20
IRS990/Form990PartVIISectionA/ReportableCompFromRelatedOrgs30
IRS990/Form990PartVIISectionA/Title0TRUSTEE
IRS990/Form990PartVIISectionA/Title1TRUSTEE
IRS990/Form990PartVIISectionA/Title2TRUSTEE
IRS990/Form990PartVIISectionA/Title3TRUSTEE
IRS990/Form990ProvidedToGoverningBody01
IRS990/FormersListed00
IRS990/FSAudited01
IRS990/FSAuditedBasis/FinancialStatementSeparate0X
IRS990/FundraisingActivities00
IRS990/Gaming00
IRS990/GrantsAndSimilarAmntsCY00
IRS990/GrantsAndSimilarAmntsPriorYear00
IRS990/GrantsToIndividuals00
IRS990/GrantsToOrganizations00
IRS990/GrantToRelatedPerson00
IRS990/GrossReceipts02519939
IRS990/GroupReturnForAffiliates00
IRS990/Hospital00
IRS990/IndependentAuditFinancialStmt01
IRS990/IndoorTanningServices00
IRS990/InfoInScheduleOPartVI0X
IRS990/InfoInScheduleOPartXII0X
IRS990/InvestmentIncomeCurrentYear020
IRS990/InvestmentIncome/ExclusionAmount020
IRS990/InvestmentIncomePriorYear021
IRS990/InvestmentIncome/TotalRevenueColumn020
IRS990/InvestmentInJointVenture00
IRS990/LoanToOfficerOrDQP00
IRS990/LocalChapters00
IRS990/MaterialDiversionOrMisuse00
IRS990/MembersOrStockholders00
IRS990/MethodOfAccountingAccrual0X
IRS990/MinutesOfCommittees01
IRS990/MinutesOfGoverningBody01
IRS990/MissionDescription0VOLUNTARY EMPLOYEE BENEFITS ASSOCIATION
IRS990/MoreThan5000KToIndividuals00
IRS990/MoreThan5000KToOrganizations00
IRS990/NameOfPrincipalOfficerPerson0SALVATORE MARINO
IRS990/NbrIndependentVotingMembers03
IRS990/NbrVotingGoverningBodyMembers03
IRS990/NbrVotingMembersGoverningBody03
IRS990/NetAssetsOrFundBalancesBOY0170276
IRS990/NetAssetsOrFundBalancesEOY0183362
IRS990/NetUnrelatedBusinessTxblIncome00
IRS990/NoListedPersonsCompensated0X
IRS990/NonDeductibleContributions00
IRS990/NumberFormsTransmittedWith109600
IRS990/NumberIndependentVotingMembers03
IRS990/NumberIndividualsGT100K00
IRS990/NumberOfContractorsGT100K00
IRS990/NumberOfEmployees00
IRS990/NumberW2GIncluded00
IRS990/OfficerEntityWithBsnssRltnshp00
IRS990/OfficerMailingAddress00
IRS990/Organization501c0X
IRS990/OtherExpensePriorYear02403835
IRS990/OtherExpensesCurrentYear02503167
IRS990/OtherExpenses/Description0INSURANCE PREMIUMS
IRS990/OtherExpenses/Description1ADMINISTRATIVE EXPENSES
IRS990/OtherExpenses/Total02454606
IRS990/OtherExpenses/Total148561
IRS990/OtherRevenueCurrentYear00
IRS990/OtherRevenuePriorYear00
IRS990/PartialLiquidation00
IRS990/PoliticalActivities00
IRS990/ProfessionalFundraising00
IRS990/ProgramServiceRevenue/BusinessCode0525100
IRS990/ProgramServiceRevenueCY02519919
IRS990/ProgramServiceRevenue/Description0PAYMENTS TO PROVIDE WE
IRS990/ProgramServiceRevenuePriorYear02426648
IRS990/ProgramServiceRevenue/RelatedOrExemptFunctionIncome02519919
IRS990/ProgramServiceRevenue/TotalRevenueColumn02519919
IRS990/ProhibitedTaxShelterTrans00
IRS990/QuidProQuoContributions00
IRS990/ReconcilationOtherChanges00
IRS990/ReconcilationRevenueExpenses013086
IRS990/RelatedEntity00
IRS990/RelatedOrgControlledEntity00
IRS990/ReportFin48Footnote01
IRS990/ReportInvestOthSecurities00
IRS990/ReportLandBldgEquip00
IRS990/ReportOtherAssets00
IRS990/ReportOtherLiabilities00
IRS990/ReportProgRelInvest00
IRS990/RevenuesLessExpensesCY013086
IRS990/RevenuesLessExpensesPriorYear019387
IRS990/SalariesEtcCurrentYear00
IRS990/SalariesEtcPriorYear00
IRS990/SavingsAndTempCashInvestments/BOY0170276
IRS990/SavingsAndTempCashInvestments/EOY0183362
IRS990/ScheduleBRequired00
IRS990ScheduleD/ExpensesNotRptdF99000
IRS990ScheduleD/ExpensesNotRptdOnFinStmt0-13973
IRS990ScheduleD/ExpensesSubtotal02520826
IRS990ScheduleD/FootnoteInPartXIII0X
IRS990ScheduleD/Form990ScheduleDPartXIII/Explanation0THE PLAN RECEIVED ITS DETERMINATION LETTER IN FEBRUARY 1996, IN WHICH THE INTERNAL REVENUE SERVICE STATED THAT THE PLAN, AS THEN DESIGNED, WAS IN COMPLIANCE WITH THE APPLICABLE REQUIREMENTS OF THE INTERNAL REVENUE CODE. ACCOUNTING PRINCIPLES GENERALLY ACCEPTED IN THE UNITED STATES OF AMERICA REQUIRE PLAN MANAGEMENT TO EVALUATE TAX POSITIONS TAKEN BY THE PLAN AND RECOGNIZE A TAX LIABILITY (OR ASSET) IF THE PLAN HAS TAKEN AN UNCERTAIN POSITION THAT MORE LIKELY THAN NOT WOULD NOT BE SUSTAINED UPON EXAMINATION BY THE IRS. THE PLAN IS SUBJECT TO ROUTINE AUDITS BY TAXING JURISDICTIONS; HOWEVER, THERE ARE CURRENTLY NO AUDITS FOR ANY TAX PERIODS IN PROGRESS. THE PLAN ADMINISTRATOR BELIEVES IT IS NO LONGER SUBJECT TO INCOME TAX EXAMINATIONS FOR YEARS PRIOR TO 2010.
IRS990ScheduleD/Form990ScheduleDPartXIII/Explanation1OTHER INCOME NETTED WITH INSUANCE PREMIUMS PAID 13,973.
IRS990ScheduleD/Form990ScheduleDPartXIII/Explanation2OTHER INCOME NETTED WITH INSUANCE PREMIUMS PAID -13,973.
IRS990ScheduleD/Form990ScheduleDPartXIII/Identifier0DESCRIPTION OF UNCERTAIN TAX POSITIONS UNDER FIN 48:
IRS990ScheduleD/Form990ScheduleDPartXIII/Identifier1PART XI, LINE 2D - OTHER ADJUSTMENTS:
IRS990ScheduleD/Form990ScheduleDPartXIII/Identifier2PART XII, LINE 4B - OTHER ADJUSTMENTS:
IRS990ScheduleD/Form990ScheduleDPartXIII/ReturnReference0PART X, LINE 2:
IRS990ScheduleD/OtherExpensesNotIncluded0-13973
IRS990ScheduleD/OtherRevenues013973
IRS990ScheduleD/RevenueNotRptdF990013973
IRS990ScheduleD/RevenueNotRptdOnFinStmt00
IRS990ScheduleD/RevenueSubtotal02519939
IRS990ScheduleD/TotalExpensesPerForm99002506853
IRS990ScheduleD/TotalOfBookValueLandBuildings00
IRS990ScheduleD/TotalRevenuePerForm99002519939
IRS990ScheduleD/TotExpensesEtcAuditedFinclStmt02520826
IRS990ScheduleD/TotRevenueEtcAuditedFinclStmt02533912
IRS990/ScheduleJRequired00
IRS990ScheduleO/GeneralExplanation/Explanation0THE BOARD WILL REVIEW A COPY OF FORM 990 BEFORE IT IS FILED.
IRS990ScheduleO/GeneralExplanation/Explanation1INFORMATION IS AVAILABLE UPON REQUEST.
IRS990ScheduleO/GeneralExplanation/Explanation2THE ORGANIZATION HAS A COMMITTEE RESPONSIBLE FOR THE OVERSIGHT OF THE AUDIT AS WELL AS THE SELECTION OF THE INDEPENDENT ACCOUNTANTS.
IRS990ScheduleO/GeneralExplanation/ReturnReference0FORM 990, PART VI, SECTION B, LINE 11
IRS990ScheduleO/GeneralExplanation/ReturnReference1FORM 990, PART VI, SECTION C, LINE 19
IRS990ScheduleO/GeneralExplanation/ReturnReference2FORM 990, PART XII, LINE 2C:
IRS990/ScheduleORequired01
IRS990/School00
IRS990/SignificantChange00
IRS990/SignificantNewProgramServices00
IRS990/StateLegalDomicile0NJ
IRS990/SubjectToProxyTax00
IRS990/TaxablePartyNotification00
IRS990/TaxExemptBonds00
IRS990/Terminated00
IRS990/TermOrPermanentEndowments00
IRS990/TheBooksAreInCareOf/AddressUS/AddressLine10C/O MC MANAGEMENT 301 ROUTE 10 EAST
IRS990/TheBooksAreInCareOf/AddressUS/City0WHIPPANY
IRS990/TheBooksAreInCareOf/AddressUS/State0NJ
IRS990/TheBooksAreInCareOf/AddressUS/ZIPCode007981
IRS990/TheBooksAreInCareOf/NameBusiness/BusinessNameLine10WANDA ROSELLA
IRS990/TheBooksAreInCareOf/TelephoneNumber09738849555
IRS990/TotalAssets/BOY0170276
IRS990/TotalAssetsBOY0170276
IRS990/TotalAssets/EOY0183362
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IRS990/TotalExpensesCurrentYear02506853
IRS990/TotalExpensesPriorYear02407282
IRS990/TotalFunctionalExpenses/Total02506853
IRS990/TotalFundrsngExpCurrentYear00
IRS990/TotalGrossUBI00
IRS990/TotalLiabilities/BOY00
IRS990/TotalLiabilitiesBOY00
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IRS990/TotalNbrEmployees00
IRS990/TotalNbrVolunteers00
IRS990/TotalNetAssetsFundBalances/BOY0170276
IRS990/TotalNetAssetsFundBalances/EOY0183362
IRS990/TotalOtherCompensation00
IRS990/TotalProfFundrsngExpCY00
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IRS990/TotalProgramServiceRevenue02519919
IRS990/TotalReportableCompFrmRltdOrgs00
IRS990/TotalReportableCompFromOrg00
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IRS990/TotalRevenue/ExclusionAmount020
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IRS990/TotalRevenue/RelatedOrExemptFunctionIncome02519919
IRS990/TotalRevenue/TotalRevenueColumn02519939
IRS990/TotalRevenue/UnrelatedBusinessRevenue00
IRS990/TypeOfOrganizationTrust0X
IRS990/UnrelatedBusinessIncome00
IRS990/UnrestrictedNetAssets/BOY0170276
IRS990/UnrestrictedNetAssets/EOY0183362
IRS990/UponRequest0X
IRS990/WebSite0N/A
IRS990/WhistleblowerPolicy00
IRS990/YearFormation02001
ReturnHeader/BuildTS02015-11-30 17:44:51Z
ReturnHeader/Filer/EIN0226631462
ReturnHeader/Filer/Name/BusinessNameLine10PYRAMID INSURANCE TRUST
ReturnHeader/Filer/NameControl0PYRA
ReturnHeader/Filer/Phone09738849555
ReturnHeader/Filer/USAddress/AddressLine10C/O MC MANAGEMENT 301 ROUTE 10 EAST
ReturnHeader/Filer/USAddress/City0WHIPPANY
ReturnHeader/Filer/USAddress/State0NJ
ReturnHeader/Filer/USAddress/ZIPCode007981
ReturnHeader/Officer/AuthorizeThirdParty01
ReturnHeader/Officer/DateSigned02014-01-20
ReturnHeader/Officer/Name0SALVATORE MARINO
ReturnHeader/Officer/Phone09738849555
ReturnHeader/Officer/Title0CFO
ReturnHeader/PreparerFirm/EIN0221478099
ReturnHeader/PreparerFirm/PreparerFirmBusinessName/BusinessNameLine10COHNREZNICK LLP
ReturnHeader/PreparerFirm/PreparerFirmUSAddress/AddressLine104 BECKER FARM ROAD
ReturnHeader/PreparerFirm/PreparerFirmUSAddress/City0ROSELAND
ReturnHeader/PreparerFirm/PreparerFirmUSAddress/State0NJ
ReturnHeader/PreparerFirm/PreparerFirmUSAddress/ZIPCode0070681739
ReturnHeader/Preparer/Name0JEFF BERNSTEIN CPA
ReturnHeader/Preparer/Phone09732283500
ReturnHeader/ReturnType0990
ReturnHeader/TaxPeriodBeginDate02012-05-01
ReturnHeader/TaxPeriodEndDate02013-04-30
ReturnHeader/TaxYear02012
ReturnHeader/Timestamp02014-03-11T14:12:36-05:00

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

Displayed year

2013 • Form 990Facts available. Structured filing facts are available, but richer extracted sections are limited.

Open filing
Assets
$183,362
Liabilities
$0
Net assets
$183,362
Revenue
-
Expenses
$2,506,853
Net income
-
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2016XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$0.00$0.00$0.00$0.05$0.23$0.19
2015Detailed filing. Detailed filing data is available for this year.$0.19$0.00$0.19$0.18$0.18$0.00
2014Detailed filing. Detailed filing data is available for this year.$0.19$0.00$0.19$0.85$0.85$0.00
2013Facts available. Structured filing facts are available, but richer extracted sections are limited.$0.18$0.00$0.18$2.51
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$0.17$0.00$0.17$2.41
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$0.15$0.00$0.15$2.27
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$0.14$0.00$0.14$2.07
Peer Organizations

Similar nonprofits based on the same Siviq industry and scale cohort. 2013 filings • 501(c)9 • $1M-$5M nonprofits