Liabilities / Assets
97th percentile
Higher debt load relative to assets than 97% of similar nonprofits.
Vermont Automobile Insurance Plan
EIN 23-7234308 • 501(c)6 • Johnston, RI
Profile
see note below
Siviq Scores
Precomputed percentiles relative to similar nonprofits. These scores are descriptive rather than judgmental.
1.61x
Liabilities / Revenue
90th percentile
Higher debt load relative to revenue than 90% of similar nonprofits.
Net Margin
67th percentile
Higher net margin than 67% of similar nonprofits.
Top Officer Pay
80th percentile
Higher top officer pay than 80% of similar nonprofits.
Top officer pay equals 0.0% of source-year revenue.
Asset Growth
27th percentile
Faster asset growth than 27% of similar nonprofits.
Revenue Growth
35th percentile
Faster revenue growth than 35% of similar nonprofits.
Balance Sheet
Assets
Up$17,381
Up $3,020 (+21%) from 2023
Liabilities
Down$27,924
Down $6,067 (-18%) from 2023
Net Assets
Up-$10,543
Up $9,087 (+46%) from 2023
Revenue
Down$73,547
Down $2,263 (-3.0%) from 2023
Expenses
Down$66,446
Down $4,157 (-5.9%) from 2023
Net Income
Up$7,101
Up $1,894 (+36%) from 2023
Trend Graphs
Filings
Most recent year
2024 • Form 990EZDetailed filing. Detailed filing data is available for this year.
- Assets
- $17,381
- Liabilities
- $27,924
- Net assets
- -$10,543
- Revenue
- $73,547
- Expenses
- $66,446
- Net income
- $7,101
Latest Filing Detail
Jump To
Filing Snapshot
- Filing Period
- Jan 1, 2024 to Dec 31, 2024
- Signed
- May 12, 2025
- Return Version
- 2024v5.2
- Gross Receipts
- $73,547
Mission and Program Overview
Mission
see note below
Program Services
| Description | Grants | Expenses |
|---|---|---|
| To make motor vehicle insurance available for personsnot able to obtain coverage in the voluntary market. | - | - |
Compensation and Service Providers
Employees
| Name | Title | Full / Part Time | Base | Other | Total |
|---|---|---|---|---|---|
| - | Chair | - | $0 | - | - |
| - | Gov Comm Member | - | $0 | - | - |
| - | Gov Comm Member | - | $0 | - | - |
| - | Vice Chair | - | $0 | - | - |
| - | Gov Comm Member | - | $0 | - | - |
| - | Gov Comm Member | - | $0 | - | - |
| - | Chair | - | $0 | - | - |
| Jessica FleuryThe Richards Group | Gov Comm Member | - | $0 | - | - |
| Barrett Ins Agency-Jennifer Barrett | Gov Comm Member | - | $0 | - | - |
Filing and Contact Details
Filer
- Filer Name
- Vermont Automobile Insurance Plan
- EIN
- 23-7234308
- Phone
- 4019462310
- Address
- c/o AIPSO 302 CENTRAL AVENUE, JOHNSTON, RI 02919-4932
Signing Officer
- Name
- David Maynard
- Title
- Manager, Financial & Investment Ser
- Phone
- 4019462310
- Signed
- 2025-05-12
Supplemental Narrative
Additional Explanations
Form 990EZ, Part I, Line 16
“Insurance 207.”
Form 990EZ, Part I, Line 16
“Miscellaneous 84.”
Form 990EZ, Part I, Line 20
“Description: Reapportionment of prior years excess -4392.”
Form 990EZ, Part I, Line 20
“Description: Reallocation adjustment 484.”
Form 990EZ, Part I, Line 20
“Description: Plans share of the decrease in AIPSO pension benefit obligations other than net periodic cost 5894.”
Form 990EZ, Part II, Line 24
“Accounts Receivable 2612. 1223.”
Form 990EZ, Part II, Line 26
“Accounts Payable & Accrued Expenses 6361. 6334.”
Form 990EZ, Part II, Line 26
“Due to AIPSO - pension 27630. 21590.”
Form 990EZ, Part II, Line 26
“Due to AIPSO-vacation 0. 0.”
Raw XML Appendix156 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/ActivitiesNotPreviouslyRptInd | 0 | false |
| IRS990EZ/BooksInCareOfDetail/BusinessName/BusinessNameLine1Txt | 0 | AIPSO |
| IRS990EZ/BooksInCareOfDetail/PhoneNum | 0 | 4019462310 |
| IRS990EZ/BooksInCareOfDetail/USAddress/AddressLine1Txt | 0 | 302 CENTRAL AVENUE |
| IRS990EZ/BooksInCareOfDetail/USAddress/CityNm | 0 | JOHNSTON |
| IRS990EZ/BooksInCareOfDetail/USAddress/StateAbbreviationCd | 0 | RI |
| IRS990EZ/BooksInCareOfDetail/USAddress/ZIPCd | 0 | 029194932 |
| IRS990EZ/CashSavingsAndInvestmentsGrp/BOYAmt | 0 | 11749 |
| IRS990EZ/CashSavingsAndInvestmentsGrp/EOYAmt | 0 | 16158 |
| IRS990EZ/ChgMadeToOrgnzngDocNotRptInd | 0 | false |
| IRS990EZ/ContributionsGiftsGrantsEtcAmt | 0 | 0 |
| IRS990EZ/CostOfGoodsSoldAmt | 0 | 0 |
| IRS990EZ/CostOrOtherBasisExpenseSaleAmt | 0 | 0 |
| IRS990EZ/DonorAdvisedFndsInd | 0 | false |
| IRS990EZ/ExcessOrDeficitForYearAmt | 0 | 7101 |
| IRS990EZ/FeesAndOtherPymtToIndCntrctAmt | 0 | 13425 |
| IRS990EZ/ForeignFinancialAccountInd | 0 | false |
| IRS990EZ/ForeignOfficeInd | 0 | false |
| IRS990EZ/Form1120PolFiledInd | 0 | false |
| IRS990EZ/Form990TotalAssetsGrp/BOYAmt | 0 | 14361 |
| IRS990EZ/Form990TotalAssetsGrp/EOYAmt | 0 | 17381 |
| IRS990EZ/FundraisingGrossIncomeAmt | 0 | 0 |
| IRS990EZ/GainOrLossFromSaleOfAssetsAmt | 0 | 0 |
| IRS990EZ/GrossProfitLossSlsOfInvntryAmt | 0 | 0 |
| IRS990EZ/GrossReceiptsAmt | 0 | 73547 |
| IRS990EZ/GrossReceiptsForPublicUseAmt | 0 | 0 |
| IRS990EZ/InfoInScheduleOPartIIInd | 0 | X |
| IRS990EZ/InfoInScheduleOPartIInd | 0 | X |
| IRS990EZ/InitiationFeesAndCapContriAmt | 0 | 0 |
| IRS990EZ/InvestmentIncomeAmt | 0 | 1269 |
| IRS990EZ/MadeLoansToFromOfficersInd | 0 | false |
| IRS990EZ/MembershipDuesAmt | 0 | 72278 |
| IRS990EZ/MethodOfAccountingAccrualInd | 0 | X |
| IRS990EZ/NetAssetsOrFundBalancesBOYAmt | 0 | -19630 |
| IRS990EZ/NetAssetsOrFundBalancesEOYAmt | 0 | -10543 |
| IRS990EZ/NetAssetsOrFundBalancesGrp/BOYAmt | 0 | -19630 |
| IRS990EZ/NetAssetsOrFundBalancesGrp/EOYAmt | 0 | -10543 |
| IRS990EZ/OccupancyRentUtltsAndMaintAmt | 0 | 1587 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt | 0 | 0.25 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt | 1 | 0.25 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt | 2 | 0.25 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt | 3 | 0.25 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt | 4 | 0.25 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt | 5 | 0.25 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt | 6 | 0.25 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt | 7 | 0.25 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt | 8 | 0.25 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/BusinessName/BusinessNameLine1Txt | 0 | Nationwide Mutual Ins Co |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/BusinessName/BusinessNameLine1Txt | 1 | State Farm Mut Auto Ins Co |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/BusinessName/BusinessNameLine1Txt | 2 | The Travelers Companies Inc |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/BusinessName/BusinessNameLine1Txt | 3 | Allstate Ins Co |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/BusinessName/BusinessNameLine1Txt | 4 | Vermont Mut Ins Co |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/BusinessName/BusinessNameLine1Txt | 5 | Amica Mut Ins Co |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/BusinessName/BusinessNameLine1Txt | 6 | Progressive Cas Ins Co |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt | 0 | 0 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt | 1 | 0 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt | 2 | 0 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt | 3 | 0 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt | 4 | 0 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt | 5 | 0 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt | 6 | 0 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt | 7 | 0 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt | 8 | 0 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/EmployeeBenefitProgramAmt | 0 | 0 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/EmployeeBenefitProgramAmt | 1 | 0 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/EmployeeBenefitProgramAmt | 2 | 0 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/EmployeeBenefitProgramAmt | 3 | 0 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/EmployeeBenefitProgramAmt | 4 | 0 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/EmployeeBenefitProgramAmt | 5 | 0 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/EmployeeBenefitProgramAmt | 6 | 0 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/EmployeeBenefitProgramAmt | 7 | 0 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/EmployeeBenefitProgramAmt | 8 | 0 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/ExpenseAccountOtherAllwncAmt | 0 | 0 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/ExpenseAccountOtherAllwncAmt | 1 | 0 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/ExpenseAccountOtherAllwncAmt | 2 | 0 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/ExpenseAccountOtherAllwncAmt | 3 | 0 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/ExpenseAccountOtherAllwncAmt | 4 | 0 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/ExpenseAccountOtherAllwncAmt | 5 | 0 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/ExpenseAccountOtherAllwncAmt | 6 | 0 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/ExpenseAccountOtherAllwncAmt | 7 | 0 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/ExpenseAccountOtherAllwncAmt | 8 | 0 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm | 0 | Jessica FleuryThe Richards Group |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm | 1 | Barrett Ins Agency-Jennifer Barrett |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt | 0 | Chair |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt | 1 | Gov Comm Member |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt | 2 | Gov Comm Member |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt | 3 | Vice Chair |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt | 4 | Gov Comm Member |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt | 5 | Gov Comm Member |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt | 6 | Chair |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt | 7 | Gov Comm Member |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt | 8 | Gov Comm Member |
| IRS990EZ/OperateHospitalInd | 0 | false |
| IRS990EZ/Organization501cInd | 0 | X |
| IRS990EZ/OrganizationDissolvedEtcInd | 0 | false |
| IRS990EZ/OrganizationHadUBIInd | 0 | false |
| IRS990EZ/OtherAssetsTotalDetail/BOYAmt | 0 | 2612 |
| IRS990EZ/OtherAssetsTotalDetail/EOYAmt | 0 | 1223 |
| IRS990EZ/OtherChangesInNetAssetsAmt | 0 | 1986 |
| IRS990EZ/OtherExpensesTotalAmt | 0 | 291 |
| IRS990EZ/PrimaryExemptPurposeTxt | 0 | see note below |
| IRS990EZ/PrintingPublicationsPostageAmt | 0 | 154 |
| IRS990EZ/ProgramServiceRevenueAmt | 0 | 0 |
| IRS990EZ/ProgramSrvcAccomplishmentGrp/DescriptionProgramSrvcAccomTxt | 0 | To make motor vehicle insurance available for personsnot able to obtain coverage in the voluntary market. |
| IRS990EZ/ProhibitedTaxShelterTransInd | 0 | false |
| IRS990EZ/RelatedOrganizationCtrlEntInd | 0 | false |
| IRS990EZ/SalariesOtherCompEmplBnftAmt | 0 | 50989 |
| IRS990EZ/ScheduleBNotRequiredInd | 0 | X |
| IRS990EZ/SpecialEventsDirectExpensesAmt | 0 | 0 |
| IRS990EZ/SpecialEventsNetIncomeLossAmt | 0 | 0 |
| IRS990EZ/SubjectToProxyTaxInd | 0 | false |
| IRS990EZ/SumOfTotalLiabilitiesGrp/BOYAmt | 0 | 33991 |
| IRS990EZ/SumOfTotalLiabilitiesGrp/EOYAmt | 0 | 27924 |
| IRS990EZ/TanningServicesProvidedInd | 0 | false |
| IRS990EZ/TotalExpensesAmt | 0 | 66446 |
| IRS990EZ/TotalRevenueAmt | 0 | 73547 |
| IRS990EZ/TransactionWithControlEntInd | 0 | false |
| IRS990EZ/TypeOfOrganizationAssocInd | 0 | X |
| IRS990EZ/WebsiteAddressTxt | 0 | www.aipso.com/vt |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 0 | Insurance 207. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 1 | Miscellaneous 84. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 2 | Description: Reapportionment of prior years excess -4392. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 3 | Description: Reallocation adjustment 484. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 4 | Description: Plans share of the decrease in AIPSO pension benefit obligations other than net periodic cost 5894. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 5 | Accounts Receivable 2612. 1223. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 6 | Accounts Payable & Accrued Expenses 6361. 6334. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 7 | Due to AIPSO - pension 27630. 21590. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 8 | Due to AIPSO-vacation 0. 0. |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 0 | Form 990EZ, Part I, Line 16 |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 1 | Form 990EZ, Part I, Line 16 |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 2 | Form 990EZ, Part I, Line 20 |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 3 | Form 990EZ, Part I, Line 20 |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 4 | Form 990EZ, Part I, Line 20 |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 5 | Form 990EZ, Part II, Line 24 |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 6 | Form 990EZ, Part II, Line 26 |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 7 | Form 990EZ, Part II, Line 26 |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 8 | Form 990EZ, Part II, Line 26 |
| ReturnHeader/BuildTS | 0 | 2025-03-06 01:10:19Z |
| ReturnHeader/BusinessOfficerGrp/PersonNm | 0 | David Maynard |
| ReturnHeader/BusinessOfficerGrp/PersonTitleTxt | 0 | Manager, Financial & Investment Ser |
| ReturnHeader/BusinessOfficerGrp/PhoneNum | 0 | 4019462310 |
| ReturnHeader/BusinessOfficerGrp/SignatureDt | 0 | 2025-05-12 |
| ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt | 0 | VERMONT AUTOMOBILE INSURANCE PLAN |
| ReturnHeader/Filer/BusinessNameControlTxt | 0 | VERM |
| ReturnHeader/Filer/EIN | 0 | 237234308 |
| ReturnHeader/Filer/PhoneNum | 0 | 4019462310 |
| ReturnHeader/Filer/USAddress/AddressLine1Txt | 0 | c/o AIPSO 302 CENTRAL AVENUE |
| ReturnHeader/Filer/USAddress/CityNm | 0 | JOHNSTON |
| ReturnHeader/Filer/USAddress/StateAbbreviationCd | 0 | RI |
| ReturnHeader/Filer/USAddress/ZIPCd | 0 | 029194932 |
| ReturnHeader/IRSResponsiblePrtyInfoCurrInd | 0 | true |
| ReturnHeader/ReturnTs | 0 | 2025-09-04T06:39:54-07:00 |
| ReturnHeader/ReturnTypeCd | 0 | 990EZ |
| ReturnHeader/TaxPeriodBeginDt | 0 | 2024-01-01 |
| ReturnHeader/TaxPeriodEndDt | 0 | 2024-12-31 |
| ReturnHeader/TaxYr | 0 | 2024 |
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