Civic Intelligence

Pennsylvania Professional Liability Joint Underwriting Association

990 • Fiscal year 2013 • EIN 23-1984582

Jan 01, 2013 to Dec 31, 2013 • Filed on May 07, 2014

Organization Profile[email protected]

View Organization Page

2250 Hickory RoadRoom/Suite 12519462

(610) 828-8890

Siviq Scores

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

Liabilities / Assets

30th percentile

0.16x

Higher debt load relative to assets than 30% of similar nonprofits.

2013 filings • $250M-$1B nonprofits • Source year 2013

Liabilities / Revenue

75th percentile

2.48x

Higher debt load relative to revenue than 75% of similar nonprofits.

2013 filings • $250M-$1B nonprofits • Source year 2013

Net Margin

97th percentile

79%

Higher net margin than 97% of similar nonprofits.

2013 filings • $250M-$1B nonprofits • Source year 2013

Top Officer Pay

13th percentile

$220,592

Higher top officer pay than 13% of similar nonprofits.

Top officer pay equals 1.2% of source-year revenue.

2013 filings • $250M-$1B nonprofits • Source year 2013

Asset Growth

25th percentile

1.8%

Faster asset growth than 25% of similar nonprofits.

2013 filings • $250M-$1B nonprofits • Annualized from 2012 to 2013

Revenue Growth

Score unavailable

No value available

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

Source year 2013

Balance Sheet
Liabilities / Assets30th percentile

Assets

Up

$278,982,802

Up $4,909,517 (+1.8%) from 2012

Net Assets

Up

$234,900,209

Up $14,070,546 (+6.4%) from 2012

Liabilities

Down

$44,082,593

Down $9,161,029 (-17%) from 2012

Revenue And Expenses
Liabilities / Revenue75th percentileNet Margin97th percentile

Revenue

$17,753,120

No earlier filing loaded for comparison.

Expenses

Down

$3,682,574

Down $6,214,474 (-63%) from 2012

Net Income

$14,070,546

No earlier filing loaded for comparison.

Historical Trend

Balance Sheet Trend

Asset Growth25th percentile

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

$400M$300M$200M$100M$0Assets 2010: $256,617,845Liabilities 2010: $59,106,124Net Assets 2010: $197,511,7212010Assets 2011: $267,167,191Liabilities 2011: $55,586,447Net Assets 2011: $211,580,7442011Assets 2012: $274,073,285Liabilities 2012: $53,243,622Net Assets 2012: $220,829,6632012Assets 2013: $278,982,802Liabilities 2013: $44,082,593Net Assets 2013: $234,900,2092013Assets 2014: $283,386,321Liabilities 2014: $35,614,287Net Assets 2014: $247,772,0342014Assets 2015: $285,188,753Liabilities 2015: $25,039,385Net Assets 2015: $260,149,3682015Assets 2016: $291,975,314Liabilities 2016: $23,850,824Net Assets 2016: $268,124,4902016Assets 2017: $298,882,387Liabilities 2017: $21,693,040Net Assets 2017: $277,189,3472017Assets 2018: $304,330,668Liabilities 2018: $19,872,102Net Assets 2018: $284,458,5662018Assets 2019: $315,684,803Liabilities 2019: $17,407,927Net Assets 2019: $298,276,8762019Assets 2020: $342,491,242Liabilities 2020: $27,220,022Net Assets 2020: $315,271,2202020Assets 2021: $353,920,542Liabilities 2021: $27,982,224Net Assets 2021: $325,938,3182021Assets 2022: $361,111,233Liabilities 2022: $28,998,505Net Assets 2022: $332,112,7282022Assets 2023: $371,082,260Liabilities 2023: $29,113,263Net Assets 2023: $341,968,9972023Assets 2024: $381,022,558Liabilities 2024: $33,137,938Net Assets 2024: $347,884,6202024

Highlighted filing

2013

Assets$278,982,802
Liabilities$44,082,593
Net Assets$234,900,209
Open 2013 Filing

Operations Trend

Revenue GrowthScore unavailable

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

$30M$20M$10M$0-$10MExpenses 2010: -$5,058,4572010Expenses 2011: $6,034,5382011Expenses 2012: $9,897,0482012Revenue 2013: $17,753,120Expenses 2013: $3,682,574Net Income 2013: $14,070,5462013Revenue 2014: $15,284,416Expenses 2014: $2,412,591Net Income 2014: $12,871,8252014Revenue 2015: $14,420,683Expenses 2015: $2,043,349Net Income 2015: $12,377,3342015Revenue 2016: $13,118,157Expenses 2016: $5,143,035Net Income 2016: $7,975,1222016Revenue 2017: $14,256,045Expenses 2017: $5,191,188Net Income 2017: $9,064,8572017Revenue 2018: $12,326,731Expenses 2018: $5,057,512Net Income 2018: $7,269,2192018Revenue 2019: $14,995,059Expenses 2019: $1,176,749Net Income 2019: $13,818,3102019Revenue 2020: $20,986,515Expenses 2020: $3,992,171Net Income 2020: $16,994,3442020Revenue 2021: $27,707,766Expenses 2021: $17,040,668Net Income 2021: $10,667,0982021Revenue 2022: $18,081,244Expenses 2022: $11,906,834Net Income 2022: $6,174,4102022Revenue 2023: $18,390,707Expenses 2023: $8,534,438Net Income 2023: $9,856,2692023Revenue 2024: $20,476,592Expenses 2024: $14,560,969Net Income 2024: $5,915,6232024

Highlighted filing

2013

Revenue$17,753,120
Expenses$3,682,574
Net Income$14,070,546
Open 2013 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2013 to Dec 31, 2013
Signed
May 7, 2014
Return Version
2013v3.1
Gross Receipts
$17,753,120
Mission and Program Overview

Mission

To offer medical professional liability insurance in accordance with section 732, subsection c, of the medical care availability and reduction of error act ("the act").

To provide medical malpractice insurance to those unable to procure elsewhere.

Balance Sheet Detail
LineBeginningEndChange
Assets
Investments in Publicly Traded Securities$267,122,463$270,013,043▲ $2,890,580
Rtn Earn Endowment Incm Other Fnds$220,829,663$234,900,209▲ $14,070,546
Savings and Temporary Cash Investments$6,575,018$9,505,155▲ $2,930,137
Accounts Receivable$366,112$315,689▼ $50,423
Cash and Non-Interest-Bearing Accounts$6,389$-855,949▼ $862,338
Total Assets$274,073,285$278,982,802▲ $4,909,517
Other Assets Total$3,303$4,864▲ $1,561
Liabilities
Other Liabilities$49,953,597$40,955,905▼ $8,997,692
Accounts Payable and Accrued Expenses$3,290,025$3,126,688▼ $163,337
Total Liabilities$53,243,622$44,082,593▼ $9,161,029
Net Assets / Fund Balance
Total Net Assets Fund Balance$220,829,663$234,900,209▲ $14,070,546
Total Liabilities and Net Assets / Fund Balance$274,073,285$278,982,802▲ $4,909,517
Compensation and Service Providers
Top Officer Pay13th percentile

Employees

NameTitleBaseOtherTotal
Susan M SershaPresident$180,753$39,839$220,592

Board Members and Trustees

NameTitle
Adam ParsonsDirector
Chester J SzczepanskiDirector
Franklin Vogel JrDirector
Gary VesheccoDirector
Henry O Schramm IiDirector
Jack SteinbergDirector
Joseph GiulivoDirector
Martin Trichtinger MdDirector
Paul J MonroeDirector
Rory RineerDirector
Larry S RobertsSecretary
Martin CiccocioppoTreasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$4,834,123
Investment Income
$12,918,997
Other Revenue
$0
Change in Net Assets
$14,070,546
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$1,354,881
Salaries, Compensation, and Employee Benefits$582,722
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Benefits to Members$1,744,971--$1,744,971
Other Salaries and Wages$132,165$331,329-$463,494
All Other Expenses$8,153$165,293-$173,446
Other Expenses-$100,693-$100,693
Fees for Services Accounting$22,584$56,616-$79,200
Occupancy$21,979$55,100-$77,079
Insurance$13,230$33,168-$46,398
Other Employee Benefits$32,845$13,020-$45,865
Pension Plan Contributions-$43,552-$43,552
Fees for Services Legal-$37,582-$37,582
Payroll Taxes$9,912$19,899-$29,811
Travel-$22,122-$22,122
Total Functional Expenses$1,985,839$1,696,735$0$3,682,574
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
Subject to proxy tax
No
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Claim Reserves$40,955,905
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
Yes
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
No
Key decisions subject to board approval
No
Management duties delegated
No

Governance Explanations

Form 990, Page 6, Part VI, Line 9

“Henry o. Schramm ii 2250 hickory road plymouth meeting, pa 19462 paul j. Monroe 2250 hickory road plymouth meeting, pa 19462 adam parsons 2250 hickory road plymouth meeting, pa 19462 martin trichtinger, m.d. 2250 hickory road plymouth meeting, pa 19462 martin ciccocioppo 2250 hickory road plymouth meeting, pa 19462 larry s. Roberts 2250 hickory road plymouth meeting, pa 19462 joseph giulivo 2250 hickory road plymouth meeting, pa 19462 jack steinberg 2250 hickory road plymouth meeting, pa 19462 gary veshecco 2250 hickory road plymouth meeting, pa 19462 franklin vogel jr. 2250 hickory road plymouth meeting, pa 19462 rory rineer 2250 hickory road plymouth meeting, pa 19462 chester j. Szczepanski 2250 hickory road plymouth meeting, pa 19462”

Form 990, Page 6, Part VI, Line 11B

“Statutory audit performed prior to filing.”

Form 990, Page 6, Part VI, Line 15A

“SUSAN SERSHA, PRESIDENT”

Form 990, Page 6, Part VI, Line 15B

“Nancy mckittrick - claims supervisor”

Form 990, Page 6, Part VI, Line 19

“No documents available to the public”

Filing and Contact Details

Filer

EIN
23-1984582
Phone
6108288890

Signing Officer

Name
Susan Sersha
Title
President
Phone
6108288890
Signed
2014-05-07
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Susan Sersha
Formed
1976
Legal Domicile
Pa
Voting Board Members
13
Independent Board Members
13
Employees
6

Preparer

Preparer
Susan E Palmer CPA
Phone
6102939191
Supplemental Narrative

Additional Explanations

Form 990, Page 2, Part III, Line 4D

“UNDERWRITING EXPENSE”

Raw XML Appendix359 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
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IRS990/Form990PartVIISectionAGrp/TitleTxt4DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt5DIRECTOR
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IRS990/Form990PartVIISectionAGrp/TitleTxt11TREASURER
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IRS990/PYTotalExpensesAmt09897048
IRS990/PYTotalRevenueAmt019145967
IRS990/ReconcilationRevenueExpnssAmt014070546
IRS990/RegularMonitoringEnfrcInd0false
IRS990/RelatedEntityInd0false
IRS990/RelatedOrganizationCtrlEntInd0false
IRS990/ReportInvestmentsOtherSecInd0false
IRS990/ReportLandBuildingEquipmentInd0false
IRS990/ReportOtherAssetsInd0false
IRS990/ReportOtherLiabilitiesInd0true
IRS990/ReportProgramRelatedInvstInd0false
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt0220829663
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt0234900209
IRS990/SavingsAndTempCashInvstGrp/BOYAmt06575018
IRS990/SavingsAndTempCashInvstGrp/EOYAmt09505155
IRS990/ScheduleBRequiredInd0false
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt040955905
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0CLAIM RESERVES
IRS990ScheduleD/TotalLiabilityAmt040955905
IRS990ScheduleJ/EquityBasedCompArrngmInd0false
IRS990/ScheduleJRequiredInd0true
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt0180753
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount017727
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompensationFlngOrgAmt022112
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm0SUSAN M SERSHA
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt0PRESIDENT
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationFilingOrgAmt0220592
IRS990ScheduleJ/SeverancePaymentInd0false
IRS990ScheduleJ/SupplementalNonqualRtrPlanInd0false
IRS990/ScheduleORequiredInd0false
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0UNDERWRITING EXPENSE
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1HENRY O. SCHRAMM II 2250 HICKORY ROAD PLYMOUTH MEETING, PA 19462 PAUL J. MONROE 2250 HICKORY ROAD PLYMOUTH MEETING, PA 19462 ADAM PARSONS 2250 HICKORY ROAD PLYMOUTH MEETING, PA 19462 MARTIN TRICHTINGER, M.D. 2250 HICKORY ROAD PLYMOUTH MEETING, PA 19462 MARTIN CICCOCIOPPO 2250 HICKORY ROAD PLYMOUTH MEETING, PA 19462 LARRY S. ROBERTS 2250 HICKORY ROAD PLYMOUTH MEETING, PA 19462 JOSEPH GIULIVO 2250 HICKORY ROAD PLYMOUTH MEETING, PA 19462 JACK STEINBERG 2250 HICKORY ROAD PLYMOUTH MEETING, PA 19462 GARY VESHECCO 2250 HICKORY ROAD PLYMOUTH MEETING, PA 19462 FRANKLIN VOGEL JR. 2250 HICKORY ROAD PLYMOUTH MEETING, PA 19462 RORY RINEER 2250 HICKORY ROAD PLYMOUTH MEETING, PA 19462 CHESTER J. SZCZEPANSKI 2250 HICKORY ROAD PLYMOUTH MEETING, PA 19462
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2STATUTORY AUDIT PERFORMED PRIOR TO FILING.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3SUSAN SERSHA, PRESIDENT
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4NANCY MCKITTRICK - CLAIMS SUPERVISOR
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5NO DOCUMENTS AVAILABLE TO THE PUBLIC
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0FORM 990, PAGE 2, PART III, LINE 4D
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1FORM 990, PAGE 6, PART VI, LINE 9
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2FORM 990, PAGE 6, PART VI, LINE 11B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3FORM 990, PAGE 6, PART VI, LINE 15A
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4FORM 990, PAGE 6, PART VI, LINE 15B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5FORM 990, PAGE 6, PART VI, LINE 19
IRS990/SchoolOperatingInd0false
IRS990/SignificantChangeInd0false
IRS990/SignificantNewProgramSrvcInd0false
IRS990/SubjectToProxyTaxInd0false
IRS990/TaxablePartyNotificationInd0false
IRS990/TaxExemptBondsInd0false
IRS990/TempOrPermanentEndowmentsInd0false
IRS990/TerminateOperationsInd0false
IRS990/TotalAssetsBOYAmt0274073285
IRS990/TotalAssetsEOYAmt0278982802
IRS990/TotalAssetsGrp/BOYAmt0274073285
IRS990/TotalAssetsGrp/EOYAmt0278982802
IRS990/TotalCompGreaterThan150KInd0true
IRS990/TotalEmployeeCnt06
IRS990/TotalFunctionalExpensesGrp/FundraisingAmt00
IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt01696735
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt01985839
IRS990/TotalFunctionalExpensesGrp/TotalAmt03682574
IRS990/TotalGrossUBIAmt00
IRS990/TotalLiabilitiesBOYAmt053243622
IRS990/TotalLiabilitiesEOYAmt044082593
IRS990/TotalLiabilitiesGrp/BOYAmt053243622
IRS990/TotalLiabilitiesGrp/EOYAmt044082593
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt0220829663
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt0234900209
IRS990/TotalOtherCompensationAmt022112
IRS990/TotalProgramServiceExpensesAmt01985839
IRS990/TotalProgramServiceRevenueAmt04834123
IRS990/TotalReportableCompFromOrgAmt0198480
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt017753120
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt017753120
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt0274073285
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt0278982802
IRS990/TravelGrp/ManagementAndGeneralAmt022122
IRS990/TravelGrp/TotalAmt022122
IRS990/TypeOfOrganizationAssocInd0X
IRS990/UnrelatedBusIncmOverLimitInd0false
IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine102250 HICKORY ROAD
IRS990/USAddress/City0PLYMOUTH MEETING
IRS990/USAddress/State0PA
IRS990/USAddress/ZIPCode019462
IRS990/VotingMembersGoverningBodyCnt013
IRS990/VotingMembersIndependentCnt013
IRS990/WebsiteAddressTxt0[email protected]
IRS990/WhistleblowerPolicyInd0true
ReturnHeader/BuildTS02015-11-30 17:44:51Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd0true
ReturnHeader/BusinessOfficerGrp/PersonNm0SUSAN SERSHA
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0PRESIDENT
ReturnHeader/BusinessOfficerGrp/PhoneNum06108288890
ReturnHeader/BusinessOfficerGrp/SignatureDt02014-05-07
ReturnHeader/Filer/BusinessName/BusinessNameLine10PENNSYLVANIA PROFESSIONAL LIABILITY
ReturnHeader/Filer/BusinessName/BusinessNameLine20JOINT UNDERWRITING ASSOCIATION
ReturnHeader/Filer/BusinessNameControlTxt0PENN
ReturnHeader/Filer/EIN0231984582
ReturnHeader/Filer/PhoneNum06108288890
ReturnHeader/Filer/USAddress/AddressLine102250 HICKORY ROAD
ReturnHeader/Filer/USAddress/AddressLine20ROOM/SUITE 125
ReturnHeader/Filer/USAddress/City0PLYMOUTH MEETING
ReturnHeader/Filer/USAddress/State0PA
ReturnHeader/Filer/USAddress/ZIPCode019462
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine10BLUMENTHAL & PALMER PC
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1020 VALLEY STREAM PARKWAY SUITE 280
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/City0MALVERN
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/State0PA
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCode0193551457
ReturnHeader/PreparerPersonGrp/PhoneNum06102939191
ReturnHeader/PreparerPersonGrp/PreparationDt02014-05-08
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0SUSAN E PALMER CPA
ReturnHeader/ReturnTs02014-05-12T05:47:56-05:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02013-01-01
ReturnHeader/TaxPeriodEndDt02013-12-31
ReturnHeader/TaxYr02013

Document Assets

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Filings

Displayed year

2013 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$278,982,802
Liabilities
$44,082,593
Net assets
$234,900,209
Revenue
$17,753,120
Expenses
$3,682,574
Net income
$14,070,546
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Facts available. Structured filing facts are available, but richer extracted sections are limited.$381$33.1$348$20.5$14.6$5.92
2023Detailed filing. Detailed filing data is available for this year.$371$29.1$342$18.4$8.53$9.86
2022Detailed filing. Detailed filing data is available for this year.$361$29.0$332$18.1$11.9$6.17
2021Detailed filing. Detailed filing data is available for this year.$354$28.0$326$27.7$17.0$10.7
2020Detailed filing. Detailed filing data is available for this year.$342$27.2$315$21.0$3.99$17.0
2019Detailed filing. Detailed filing data is available for this year.$316$17.4$298$15.0$1.18$13.8
2018Detailed filing. Detailed filing data is available for this year.$304$19.9$284$12.3$5.06$7.27
2017Detailed filing. Detailed filing data is available for this year.$299$21.7$277$14.3$5.19$9.06
2016Detailed filing. Detailed filing data is available for this year.$292$23.9$268$13.1$5.14$7.98
2015Detailed filing. Detailed filing data is available for this year.$285$25.0$260$14.4$2.04$12.4
2014Detailed filing. Detailed filing data is available for this year.$283$35.6$248$15.3$2.41$12.9
2013Detailed filing. Detailed filing data is available for this year.$279$44.1$235$17.8$3.68$14.1
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$274$53.2$221$9.90
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$267$55.6$212$6.03
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$257$59.1$198$5.06