Civic Intelligence

Minnesota Chapter Risk and Management Society

EIN 23-7200170 • 501(c)6 • St Paul, MN

Profile

Professional organization promoting risk management and providing a forum for discussion of issues important to risk managers.

4215 White Bear Pkwy Suite 100St Paul, MN 55110

n/A

Siviq Scores

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

Liabilities / Assets

51st percentile

0.00x

Higher debt load relative to assets than 51% of similar nonprofits.

501(c)6 • <$500k nonprofits • Source year 2025

Liabilities / Revenue

54th percentile

0.00x

Higher debt load relative to revenue than 54% of similar nonprofits.

501(c)6 • <$500k nonprofits • Source year 2025

Net Margin

86th percentile

25%

Higher net margin than 86% of similar nonprofits.

501(c)6 • <$500k nonprofits • Source year 2025

Top Officer Pay

77th percentile

$0

Higher top officer pay than 77% of similar nonprofits.

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

501(c)6 • <$500k nonprofits • Source year 2025

Asset Growth

74th percentile

14%

Faster asset growth than 74% of similar nonprofits.

501(c)6 • <$500k nonprofits • Annualized from 2024 to 2025

Revenue Growth

24th percentile

-22%

Faster revenue growth than 24% of similar nonprofits.

501(c)6 • <$500k nonprofits • Annualized from 2024 to 2025

Balance Sheet
Liabilities / Assets51st percentile

Assets

Up

$263,192

Up $31,400 (+14%) from 2024

Liabilities

$263

No earlier filing loaded for comparison.

Net Assets

Up

$262,929

Up $31,137 (+13%) from 2024

Operations
Liabilities / Revenue54th percentileNet Margin86th percentile

Revenue

Down

$122,326

Down $34,476 (-22%) from 2024

Expenses

Up

$91,189

Up $6,284 (+7.4%) from 2024

Net Income

Down

$31,137

Down $40,760 (-57%) from 2024

Trend Graphs

Balance Sheet Trend

Asset Growth74th percentile

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

$300K$200K$100K$0Assets 2011: $166,130Net Assets 2011: $166,1302011Assets 2012: $164,725Net Assets 2012: $164,7252012Assets 2022: $143,649Net Assets 2022: $143,6492022Assets 2023: $160,238Liabilities 2023: $343Net Assets 2023: $159,8952023Assets 2024: $231,792Net Assets 2024: $231,7922024Assets 2025: $263,192Liabilities 2025: $263Net Assets 2025: $262,9292025

Highlighted filing

2025

Assets$263,192
Liabilities$263
Net Assets$262,929
Open 2025 Filing

Operations Trend

Revenue Growth24th percentile

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

$200K$150K$100K$50K$0-$50KRevenue 2011: $40,812Expenses 2011: $34,419Net Income 2011: $6,3932011Revenue 2012: $36,850Expenses 2012: $38,255Net Income 2012: -$1,4052012Revenue 2022: $178,654Expenses 2022: $129,938Net Income 2022: $48,7162022Revenue 2023: $115,273Expenses 2023: $99,027Net Income 2023: $16,2462023Revenue 2024: $156,802Expenses 2024: $84,905Net Income 2024: $71,8972024Revenue 2025: $122,326Expenses 2025: $91,189Net Income 2025: $31,1372025

Highlighted filing

2025

Revenue$122,326
Expenses$91,189
Net Income$31,137
Open 2025 Filing

Filings

Most recent year

2025 • Form 990EZXML pending. An XML filing is linked for this year, but detailed extraction is still pending.

Open filing
Assets
$263,192
Liabilities
$263
Net assets
$262,929
Revenue
$122,326
Expenses
$91,189
Net income
$31,137
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2025XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$2.63$0.00$2.63$1.22$0.91$0.31
2024XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$2.32$2.32$1.57$0.85$0.72
2023XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$1.60$0.00$1.60$1.15$0.99$0.16
2022Detailed filing. Detailed filing data is available for this year.$1.44$1.44$1.79$1.30$0.49
2012XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$1.65$1.65$0.37$0.38$0.01
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$1.66$1.66$0.41$0.34$0.06
Latest Detailed Filing

The latest 2025 filing currently has linked XML that has not been fully parsed yet. Showing the latest detailed filing from 2022 below.

Jump To
Filing Snapshot
Filing Period
Jun 1, 2021 to May 31, 2022
Signed
Oct 18, 2022
Return Version
2021v4.0
Gross Receipts
$178,654
Mission and Program Overview

Mission

Professional organization promoting risk management and providing a forum for discussion of issues important to risk managers.

Program Services

DescriptionGrantsExpenses
LOBBYING IN REGARD TO BILLS AFFECTING RISK MANAGMENT.-$66,047
TOPICAL PROGRAMING AND SEMINARS WITH DICUSSIONS FORUMS FOR THOSE IN THE RISK MANAGEMENT BUSINESS. GOLF OUTING FOR RISK MANAGERS NETWORKING OPPORTUNITY.-$36,690
PROVIDING SCHOLARSHIPS AND EDUCATIONAL OPPORTUNITIES FOR THOSE ENTERING OR WHO MAY ENTER THE RISK MANAGEMENT FIELD.-$6,000
Compensation and Service Providers
Top Officer Pay77th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
MELISSA CUDZILOPresidentPT$0--
MARK ROPELVice Preside-$0--
JENNIFER ANDERSONTreasurerPT$0--
LISA KREBSSecretary-$0--
BRAD KOLANDDirector-$0--
NICK LUEBESMIERDirector-$0--
MIKAELA RICHERTDirector-$0--
JACKIE HESKETTDirector-$0--
ADAM NEDRYDirector-$0--
JESSICA YOSTDirector-$0--
LESLIE COFFEYDirector-$0--
Political and Lobbying Activity
In-house lobbying only
No

Reported Spending and Taxes

Line ItemAmount
Current Year Nondeductible Lobbying and Political Cost$65,902
Total Nondeductible Lobbying and Political Cost$65,902
Filing and Contact Details

Filer

Filer Name
Minnesota Risk and Insurance
EIN
23-7200170
Phone
6516363060
Address
4215 WHITE BEAR PKWY SUITE 100, ST PAUL, MN 55110

Signing Officer

Name
Jennifer Anderson
Title
Treasurer
Phone
6516363060
Signed
2022-10-18
Discuss with paid preparer
Yes

Preparer

Firm
Thorsen Breidinger and Novak Pa
Address
2425 MARGARET ST N, NORTH SAINT PAUL, MN 55109-3019
Preparer
Devin Stapf
Phone
6517708822
Supplemental Narrative

Additional Explanations

Form 990-ez, Part I, Line 16

“Expenses board meetings 140 bank charges 16 catering 7,234 cc processing fees 2,013 cc processing fees 145 chapter manager 1,206 community service donatio 100 ebs administrative fees 13,551 food & beverages 5,134 golf event prizes 9,434 miscellaneous 723 national rims attendance 3,118 rims national fee 322 rooms/meals for speakers 705 scholarships 6,000 total 49,841”

Form 990-ez, Part III

“Professional organization promoting risk management and providing a forum for discussion of issues important to risk managers.”

Raw XML Appendix142 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/ActivitiesNotPreviouslyRptInd0false
IRS990EZ/BooksInCareOfDetail/BusinessName/BusinessNameLine1Txt0ESSENTIAL BUSINESS SERVICES
IRS990EZ/BooksInCareOfDetail/PhoneNum06516363060
IRS990EZ/BooksInCareOfDetail/USAddress/AddressLine1Txt04215 WHITE BEAR PKWY SUITE 100
IRS990EZ/BooksInCareOfDetail/USAddress/CityNm0ST PAUL
IRS990EZ/BooksInCareOfDetail/USAddress/StateAbbreviationCd0MN
IRS990EZ/BooksInCareOfDetail/USAddress/ZIPCd055110
IRS990EZ/CashSavingsAndInvestmentsGrp/BOYAmt094933
IRS990EZ/CashSavingsAndInvestmentsGrp/EOYAmt0143649
IRS990EZ/ChgMadeToOrgnzngDocNotRptInd0false
IRS990EZ/DonorAdvisedFndsInd0false
IRS990EZ/ExcessOrDeficitForYearAmt048716
IRS990EZ/FeesAndOtherPymtToIndCntrctAmt068202
IRS990EZ/ForeignFinancialAccountInd0false
IRS990EZ/ForeignOfficeInd0false
IRS990EZ/Form1120PolFiledInd0false
IRS990EZ/Form990TotalAssetsGrp/BOYAmt094933
IRS990EZ/Form990TotalAssetsGrp/EOYAmt0143649
IRS990EZ/GrossReceiptsAmt0178654
IRS990EZ/InfoInScheduleOPartIIIInd0X
IRS990EZ/InfoInScheduleOPartIInd0X
IRS990EZ/InvestmentIncomeAmt015
IRS990EZ/MadeLoansToFromOfficersInd0false
IRS990EZ/MembershipDuesAmt010650
IRS990EZ/MethodOfAccountingCashInd0X
IRS990EZ/NetAssetsOrFundBalancesBOYAmt094933
IRS990EZ/NetAssetsOrFundBalancesEOYAmt0143649
IRS990EZ/NetAssetsOrFundBalancesGrp/BOYAmt094933
IRS990EZ/NetAssetsOrFundBalancesGrp/EOYAmt0143649
IRS990EZ/OccupancyRentUtltsAndMaintAmt011895
IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt06.00
IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt13.00
IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt26.00
IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt33.00
IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt42.00
IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt52.00
IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt62.00
IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt72.00
IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt82.00
IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt92.00
IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt102.00
IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt00
IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt10
IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt20
IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt30
IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt40
IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt50
IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt60
IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt70
IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt80
IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt90
IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt100
IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm0MELISSA CUDZILO
IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm1MARK ROPEL
IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm2JENNIFER ANDERSON
IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm3LISA KREBS
IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm4BRAD KOLAND
IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm5NICK LUEBESMIER
IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm6MIKAELA RICHERT
IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm7JACKIE HESKETT
IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm8ADAM NEDRY
IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm9JESSICA YOST
IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm10LESLIE COFFEY
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt0PRESIDENT
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt1VICE PRESIDE
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt2TREASURER
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt3SECRETARY
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt4DIRECTOR
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt5DIRECTOR
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt6DIRECTOR
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt7DIRECTOR
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt8DIRECTOR
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt9DIRECTOR
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt10DIRECTOR
IRS990EZ/OperateHospitalInd0false
IRS990EZ/Organization501cInd0X
IRS990EZ/OrganizationDissolvedEtcInd0false
IRS990EZ/OrganizationHadUBIInd0false
IRS990EZ/OtherExpensesTotalAmt049841
IRS990EZ/PoliticalCampaignActyInd0false
IRS990EZ/PrimaryExemptPurposeTxt0PROFESSIONAL ORGANIZATION PROMOTING RISK MANAGEMENT AND PROVIDING A FORUM FOR DISCUSSION OF ISSUES IMPORTANT TO RISK MANAGERS.
IRS990EZ/ProgramServiceRevenueAmt0167989
IRS990EZ/ProgramSrvcAccomplishmentGrp/DescriptionProgramSrvcAccomTxt0TOPICAL PROGRAMING AND SEMINARS WITH DICUSSIONS FORUMS FOR THOSE IN THE RISK MANAGEMENT BUSINESS. GOLF OUTING FOR RISK MANAGERS NETWORKING OPPORTUNITY.
IRS990EZ/ProgramSrvcAccomplishmentGrp/DescriptionProgramSrvcAccomTxt1PROVIDING SCHOLARSHIPS AND EDUCATIONAL OPPORTUNITIES FOR THOSE ENTERING OR WHO MAY ENTER THE RISK MANAGEMENT FIELD.
IRS990EZ/ProgramSrvcAccomplishmentGrp/DescriptionProgramSrvcAccomTxt2LOBBYING IN REGARD TO BILLS AFFECTING RISK MANAGMENT.
IRS990EZ/ProgramSrvcAccomplishmentGrp/ProgramServiceExpensesAmt036690
IRS990EZ/ProgramSrvcAccomplishmentGrp/ProgramServiceExpensesAmt16000
IRS990EZ/ProgramSrvcAccomplishmentGrp/ProgramServiceExpensesAmt266047
IRS990EZ/ProhibitedTaxShelterTransInd0false
IRS990EZ/RelatedOrganizationCtrlEntInd0false
IRS990EZ/ScheduleBNotRequiredInd0X
IRS990EZ/SubjectToProxyTaxInd0true
IRS990EZ/TanningServicesProvidedInd0false
IRS990EZ/TotalExpensesAmt0129938
IRS990EZ/TotalProgramServiceExpensesAmt0108737
IRS990EZ/TotalRevenueAmt0178654
IRS990EZ/TransactionWithControlEntInd0false
IRS990EZ/TypeOfOrganizationAssocInd0X
IRS990EZ/WebsiteAddressTxt0N/A
IRS990ScheduleC/AggregateReportedDuesNtcAmt075001
IRS990ScheduleC/AgreeCarryoverPriorYearInd0false
IRS990ScheduleC/DuesAssessmentsAmt085651
IRS990ScheduleC/NonDeductibleLbbyngPltclCYAmt065902
IRS990ScheduleC/NonDeductibleLbbyngPltclTotAmt065902
IRS990ScheduleC/OnlyInHouseLobbyingInd0false
IRS990ScheduleC/SubstantiallyAllDuesNondedInd0false
IRS990ScheduleC/TaxableAmt0-9099
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0EXPENSES BOARD MEETINGS 140 BANK CHARGES 16 CATERING 7,234 CC PROCESSING FEES 2,013 CC PROCESSING FEES 145 CHAPTER MANAGER 1,206 COMMUNITY SERVICE DONATIO 100 EBS ADMINISTRATIVE FEES 13,551 FOOD & BEVERAGES 5,134 GOLF EVENT PRIZES 9,434 MISCELLANEOUS 723 NATIONAL RIMS ATTENDANCE 3,118 RIMS NATIONAL FEE 322 ROOMS/MEALS FOR SPEAKERS 705 SCHOLARSHIPS 6,000 TOTAL 49,841
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1PROFESSIONAL ORGANIZATION PROMOTING RISK MANAGEMENT AND PROVIDING A FORUM FOR DISCUSSION OF ISSUES IMPORTANT TO RISK MANAGERS.
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0FORM 990-EZ, PART I, LINE 16
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1FORM 990-EZ, PART III
ReturnHeader/BuildTS02022-09-23 18:48:47Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd0true
ReturnHeader/BusinessOfficerGrp/PersonNm0JENNIFER ANDERSON
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0TREASURER
ReturnHeader/BusinessOfficerGrp/PhoneNum06516363060
ReturnHeader/BusinessOfficerGrp/SignatureDt02022-10-18
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0MINNESOTA RISK AND INSURANCE
ReturnHeader/Filer/BusinessName/BusinessNameLine2Txt0MANAGEMENT SOCIETY
ReturnHeader/Filer/BusinessNameControlTxt0MINN
ReturnHeader/Filer/EIN0237200170
ReturnHeader/Filer/PhoneNum06516363060
ReturnHeader/Filer/USAddress/AddressLine1Txt04215 WHITE BEAR PKWY SUITE 100
ReturnHeader/Filer/USAddress/CityNm0ST PAUL
ReturnHeader/Filer/USAddress/StateAbbreviationCd0MN
ReturnHeader/Filer/USAddress/ZIPCd055110
ReturnHeader/PreparerFirmGrp/PreparerFirmEIN0411676293
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt0THORSEN BREIDINGER AND NOVAK PA
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt02425 MARGARET ST N
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm0NORTH SAINT PAUL
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd0MN
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCd0551093019
ReturnHeader/PreparerPersonGrp/PhoneNum06517708822
ReturnHeader/PreparerPersonGrp/PreparationDt02022-10-18
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0DEVIN STAPF
ReturnHeader/ReturnTs02022-10-18T15:26:56-04:00
ReturnHeader/ReturnTypeCd0990EZ
ReturnHeader/SigningOfficerGrp/PersonFullName/PersonFirstNm0JENNIFER
ReturnHeader/SigningOfficerGrp/PersonFullName/PersonLastNm0ANDERSON
ReturnHeader/TaxPeriodBeginDt02021-06-01
ReturnHeader/TaxPeriodEndDt02022-05-31
ReturnHeader/TaxYr02021

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)6 • <$500k nonprofits