Civic Intelligence

Vermont Automobile Insurance Plan

990EZ • Fiscal year 2014 • EIN 23-7234308

Jan 01, 2014 to Dec 31, 2014 • Filed on Apr 15, 2015

Organization Profilewww.aipso.com/vt
c/o AIPSO 302 CENTRAL AVENUEJohnston, RI 02919-4932

(401) 946-2310

Siviq Scores

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

Liabilities / Assets

99th percentile

2.59x

Higher debt load relative to assets than 99% of similar nonprofits.

2014 filings • 501(c)6 • <$500k nonprofits • Source year 2014

Liabilities / Revenue

94th percentile

0.48x

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

2014 filings • 501(c)6 • <$500k nonprofits • Source year 2014

Net Margin

85th percentile

22%

Higher net margin than 85% of similar nonprofits.

2014 filings • 501(c)6 • <$500k nonprofits • Source year 2014

Top Officer Pay

68th percentile

$0

Higher top officer pay than 68% of similar nonprofits.

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

2014 filings • 501(c)6 • <$500k nonprofits • Source year 2014

Asset Growth

13th percentile

-24%

Faster asset growth than 13% of similar nonprofits.

2014 filings • 501(c)6 • <$500k nonprofits • Annualized from 2013 to 2014

Revenue Growth

42nd percentile

-1.5%

Faster revenue growth than 42% of similar nonprofits.

2014 filings • 501(c)6 • <$500k nonprofits • Annualized from 2013 to 2014

Balance Sheet
Liabilities / Assets99th percentile

Assets

Down

$28,063

Down $8,898 (-24%) from 2013

Net Assets

Down

-$44,577

Down $60,597 (-378%) from 2013

Liabilities

Up

$72,640

Up $51,699 (+247%) from 2013

Revenue And Expenses
Liabilities / Revenue94th percentileNet Margin85th percentile

Revenue

Down

$150,347

Down $2,349 (-1.5%) from 2013

Expenses

Down

$117,926

Down $33,565 (-22%) from 2013

Net Income

Up

$32,421

Up $31,216 (+2591%) from 2013

Historical Trend

Balance Sheet Trend

Asset Growth13th percentile

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

$100K$50K$0-$50KAssets 2010: $47,976Liabilities 2010: $42,958Net Assets 2010: $5,0182010Assets 2011: $40,720Liabilities 2011: $58,334Net Assets 2011: -$17,6142011Assets 2012: $39,756Liabilities 2012: $86,585Net Assets 2012: -$46,8292012Assets 2013: $36,961Liabilities 2013: $20,941Net Assets 2013: $16,0202013Assets 2014: $28,063Liabilities 2014: $72,640Net Assets 2014: -$44,5772014Assets 2015: $23,751Liabilities 2015: $50,915Net Assets 2015: -$27,1642015Assets 2016: $25,891Liabilities 2016: $52,635Net Assets 2016: -$26,7442016Assets 2017: $17,631Liabilities 2017: $58,683Net Assets 2017: -$41,0522017Assets 2018: $14,921Liabilities 2018: $44,611Net Assets 2018: -$29,6902018Assets 2019: $20,374Liabilities 2019: $54,805Net Assets 2019: -$34,4312019Assets 2020: $21,321Liabilities 2020: $65,258Net Assets 2020: -$43,9372020Assets 2021: $22,938Liabilities 2021: $43,407Net Assets 2021: -$20,4692021Assets 2022: $25,374Liabilities 2022: $36,442Net Assets 2022: -$11,0682022Assets 2023: $14,361Liabilities 2023: $33,991Net Assets 2023: -$19,6302023Assets 2024: $17,381Liabilities 2024: $27,924Net Assets 2024: -$10,5432024

Highlighted filing

2014

Assets$28,063
Liabilities$72,640
Net Assets-$44,577
Open 2014 Filing

Operations Trend

Revenue Growth42nd percentile

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

$200K$150K$100K$50K$0Revenue 2010: $143,285Expenses 2010: $130,002Net Income 2010: $13,2832010Revenue 2011: $150,249Expenses 2011: $136,948Net Income 2011: $13,3012011Revenue 2012: $148,504Expenses 2012: $145,510Net Income 2012: $2,9942012Revenue 2013: $152,696Expenses 2013: $151,491Net Income 2013: $1,2052013Revenue 2014: $150,347Expenses 2014: $117,926Net Income 2014: $32,4212014Revenue 2015: $133,025Expenses 2015: $115,158Net Income 2015: $17,8672015Revenue 2016: $140,491Expenses 2016: $115,210Net Income 2016: $25,2812016Revenue 2017: $110,923Expenses 2017: $96,869Net Income 2017: $14,0542017Revenue 2018: $109,315Expenses 2018: $96,569Net Income 2018: $12,7462018Revenue 2019: $103,657Expenses 2019: $84,715Net Income 2019: $18,9422019Revenue 2020: $92,410Expenses 2020: $72,009Net Income 2020: $20,4012020Revenue 2021: $92,784Expenses 2021: $76,965Net Income 2021: $15,8192021Revenue 2022: $86,221Expenses 2022: $66,886Net Income 2022: $19,3352022Revenue 2023: $75,810Expenses 2023: $70,603Net Income 2023: $5,2072023Revenue 2024: $73,547Expenses 2024: $66,446Net Income 2024: $7,1012024

Highlighted filing

2014

Revenue$150,347
Expenses$117,926
Net Income$32,421
Open 2014 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2014 to Dec 31, 2014
Signed
Apr 15, 2015
Return Version
2014v5.0
Gross Receipts
$150,347
Mission and Program Overview

Mission

see note below

Program Services

DescriptionGrantsExpenses
TO MAKE MOTOR VEHICLE INSURANCE AVAILABLE FOR PERSONS NOT ABLE TO OBTAIN COVERAGE IN THE VOLUNTARY MARKET.--
Compensation and Service Providers
Top Officer Pay68th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
-Gov Comm Member-$0--
-Gov Comm Member-$0--
-Gov Comm Member-$0--
-Gov Comm Member-$0--
-Gov Comm Member-$0--
-Gov Comm Member-$0--
RONALD BIXBYLUDLOW INS AGENCYGov Comm Member-$0--
TERRI O'HARESTOWE LAMOILLE INS AGENGov Comm Member-$0--
-Gov Comm Member-$0--
-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
Accounting Manager
Phone
4019462310
Signed
2015-04-15
Supplemental Narrative

Additional Explanations

Form 990EZ, Part I, Line 16

“Insurance 444. Travel 3525. Bad debt 704. Payroll processing 170. Equipment rental 572. Miscellaneous 37.”

Form 990EZ, Part I, Line 20

“Reapportionment of prior year's surplus -1052. Reallocation adjustment -27206. Pension-related changes other than net periodic cost -64760.”

Form 990EZ, Part II, Line 24

“Accounts receivable 21596. 3858. Prepaid expenses 317. 0.”

Form 990EZ, Part II, Line 26

“Accounts payable & accrued expenses 15145. 9950. Accrued pension 5796. 62690.”

Form 990, Part IX, Line 24F

“MISCELLANEOUS BAD DEBT”

Raw XML Appendix133 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/BusinessNameLine1Txt0AIPSO
IRS990EZ/BooksInCareOfDetail/PhoneNum04019462310
IRS990EZ/BooksInCareOfDetail/USAddress/AddressLine1Txt0302 CENTRAL AVENUE
IRS990EZ/BooksInCareOfDetail/USAddress/CityNm0JOHNSTON
IRS990EZ/BooksInCareOfDetail/USAddress/StateAbbreviationCd0RI
IRS990EZ/BooksInCareOfDetail/USAddress/ZIPCd0029194932
IRS990EZ/CashSavingsAndInvestmentsGrp/BOYAmt015048
IRS990EZ/CashSavingsAndInvestmentsGrp/EOYAmt024205
IRS990EZ/ChgMadeToOrgnzngDocNotRptInd0false
IRS990EZ/ContributionsGiftsGrantsEtcAmt00
IRS990EZ/CostOfGoodsSoldAmt00
IRS990EZ/CostOrOtherBasisExpenseSaleAmt00
IRS990EZ/DonorAdvisedFndsInd0false
IRS990EZ/ExcessOrDeficitForYearAmt032421
IRS990EZ/FeesAndOtherPymtToIndCntrctAmt031073
IRS990EZ/ForeignFinancialAccountInd0false
IRS990EZ/ForeignOfficeInd0false
IRS990EZ/Form1120PolFiledInd0false
IRS990EZ/Form990TotalAssetsGrp/BOYAmt036961
IRS990EZ/Form990TotalAssetsGrp/EOYAmt028063
IRS990EZ/FundraisingGrossIncomeAmt00
IRS990EZ/GainOrLossFromSaleOfAssetsAmt0791
IRS990EZ/GamingGrossIncomeAmt00
IRS990EZ/GrossProfitLossSlsOfInvntryAmt00
IRS990EZ/GrossReceiptsAmt0150347
IRS990EZ/InfoInScheduleOPartIIInd0X
IRS990EZ/InfoInScheduleOPartIInd0X
IRS990EZ/InvestmentIncomeAmt00
IRS990EZ/MadeLoansToFromOfficersInd0false
IRS990EZ/MembershipDuesAmt0149556
IRS990EZ/MethodOfAccountingAccrualInd0X
IRS990EZ/NetAssetsOrFundBalancesBOYAmt016020
IRS990EZ/NetAssetsOrFundBalancesEOYAmt0-44577
IRS990EZ/NetAssetsOrFundBalancesGrp/BOYAmt016020
IRS990EZ/NetAssetsOrFundBalancesGrp/EOYAmt0-44577
IRS990EZ/OccupancyRentUtltsAndMaintAmt05129
IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt01.00
IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt11.00
IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt21.00
IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt31.00
IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt41.00
IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt51.00
IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt61.00
IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt71.00
IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt81.00
IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt91.00
IRS990EZ/OfficerDirectorTrusteeEmplGrp/BusinessName/BusinessNameLine1Txt0Concord General Mut Ins Co
IRS990EZ/OfficerDirectorTrusteeEmplGrp/BusinessName/BusinessNameLine1Txt1Liberty Mutual Ins Co
IRS990EZ/OfficerDirectorTrusteeEmplGrp/BusinessName/BusinessNameLine1Txt2Nationwide Mutual Ins Co
IRS990EZ/OfficerDirectorTrusteeEmplGrp/BusinessName/BusinessNameLine1Txt3State Farm Mut Auto Ins Co
IRS990EZ/OfficerDirectorTrusteeEmplGrp/BusinessName/BusinessNameLine1Txt4The Travelers Co's Inc
IRS990EZ/OfficerDirectorTrusteeEmplGrp/BusinessName/BusinessNameLine1Txt5Allstate Insurance Co
IRS990EZ/OfficerDirectorTrusteeEmplGrp/BusinessName/BusinessNameLine1Txt6Amica Mut Ins Co
IRS990EZ/OfficerDirectorTrusteeEmplGrp/BusinessName/BusinessNameLine1Txt7Progressive Cas Ins Co
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/PersonNm0RONALD BIXBYLUDLOW INS AGENCY
IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm1TERRI O'HARESTOWE LAMOILLE INS AGEN
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt0Gov Comm Member
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt1Gov Comm Member
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt2Gov Comm Member
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt3Gov Comm Member
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt4Gov Comm Member
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt5Gov Comm Member
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt6Gov Comm Member
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt7Gov Comm Member
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt8Gov Comm Member
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt9Gov Comm Member
IRS990EZ/OperateHospitalInd0false
IRS990EZ/Organization501cInd0X
IRS990EZ/OrganizationDissolvedEtcInd0false
IRS990EZ/OrganizationHadUBIInd0false
IRS990EZ/OtherAssetsTotalDetail/BOYAmt021913
IRS990EZ/OtherAssetsTotalDetail/EOYAmt03858
IRS990EZ/OtherChangesInNetAssetsAmt0-93018
IRS990EZ/OtherExpensesTotalAmt05452
IRS990EZ/PrimaryExemptPurposeTxt0see note below
IRS990EZ/PrintingPublicationsPostageAmt0443
IRS990EZ/ProgramServiceRevenueAmt00
IRS990EZ/ProgramSrvcAccomplishmentGrp/DescriptionProgramSrvcAccomTxt0TO MAKE MOTOR VEHICLE INSURANCE AVAILABLE FOR PERSONS NOT ABLE TO OBTAIN COVERAGE IN THE VOLUNTARY MARKET.
IRS990EZ/ProhibitedTaxShelterTransInd0false
IRS990EZ/RelatedOrganizationCtrlEntInd0false
IRS990EZ/SalariesOtherCompEmplBnftAmt075829
IRS990EZ/SaleOfAssetsGrossAmt0791
IRS990EZ/ScheduleBNotRequiredInd0X
IRS990EZ/SpecialEventsDirectExpensesAmt00
IRS990EZ/SpecialEventsNetIncomeLossAmt00
IRS990EZ/SubjectToProxyTaxInd0false
IRS990EZ/SumOfTotalLiabilitiesGrp/BOYAmt020941
IRS990EZ/SumOfTotalLiabilitiesGrp/EOYAmt072640
IRS990EZ/TanningServicesProvidedInd0false
IRS990EZ/TotalExpensesAmt0117926
IRS990EZ/TotalRevenueAmt0150347
IRS990EZ/TransactionWithControlEntInd0false
IRS990EZ/TypeOfOrganizationAssocInd0X
IRS990EZ/WebsiteAddressTxt0www.aipso.com/vt
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0INSURANCE 444. TRAVEL 3525. BAD DEBT 704. PAYROLL PROCESSING 170. EQUIPMENT RENTAL 572. MISCELLANEOUS 37.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1REAPPORTIONMENT OF PRIOR YEAR'S SURPLUS -1052. REALLOCATION ADJUSTMENT -27206. PENSION-RELATED CHANGES OTHER THAN NET PERIODIC COST -64760.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2ACCOUNTS RECEIVABLE 21596. 3858. PREPAID EXPENSES 317. 0.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3ACCOUNTS PAYABLE & ACCRUED EXPENSES 15145. 9950. ACCRUED PENSION 5796. 62690.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4MISCELLANEOUS BAD DEBT
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0Form 990EZ, Part I, Line 16
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1Form 990EZ, Part I, Line 20
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2Form 990EZ, Part II, Line 24
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3Form 990EZ, Part II, Line 26
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4Form 990, Part IX, Line 24f
ReturnHeader/BuildTS02016-03-07 17:11:31Z
ReturnHeader/BusinessOfficerGrp/PersonNm0DAVID MAYNARD
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0ACCOUNTING MANAGER
ReturnHeader/BusinessOfficerGrp/PhoneNum04019462310
ReturnHeader/BusinessOfficerGrp/SignatureDt02015-04-15
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0VERMONT AUTOMOBILE INSURANCE PLAN
ReturnHeader/Filer/BusinessNameControlTxt0VERM
ReturnHeader/Filer/EIN0237234308
ReturnHeader/Filer/PhoneNum04019462310
ReturnHeader/Filer/USAddress/AddressLine1Txt0c/o AIPSO 302 CENTRAL AVENUE
ReturnHeader/Filer/USAddress/CityNm0JOHNSTON
ReturnHeader/Filer/USAddress/StateAbbreviationCd0RI
ReturnHeader/Filer/USAddress/ZIPCd0029194932
ReturnHeader/ReturnTs02015-08-13T06:04:02-07:00
ReturnHeader/ReturnTypeCd0990EZ
ReturnHeader/TaxPeriodBeginDt02014-01-01
ReturnHeader/TaxPeriodEndDt02014-12-31
ReturnHeader/TaxYr02014

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

Displayed year

2014 • Form 990EZDetailed filing. Detailed filing data is available for this year.

Open filing
Assets
$28,063
Liabilities
$72,640
Net assets
-$44,577
Revenue
$150,347
Expenses
$117,926
Net income
$32,421
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Detailed filing. Detailed filing data is available for this year.$0.17$0.28$0.11$0.74$0.66$0.07
2023XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$0.14$0.34$0.20$0.76$0.71$0.05
2022Detailed filing. Detailed filing data is available for this year.$0.25$0.36$0.11$0.86$0.67$0.19
2021XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$0.23$0.43$0.20$0.93$0.77$0.16
2020XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$0.21$0.65$0.44$0.92$0.72$0.20
2019XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$0.20$0.55$0.34$1.04$0.85$0.19
2018XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$0.15$0.45$0.30$1.09$0.97$0.13
2017XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$0.18$0.59$0.41$1.11$0.97$0.14
2016XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$0.26$0.53$0.27$1.40$1.15$0.25
2015XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$0.24$0.51$0.27$1.33$1.15$0.18
2014Detailed filing. Detailed filing data is available for this year.$0.28$0.73$0.45$1.50$1.18$0.32
2013Detailed filing. Detailed filing data is available for this year.$0.37$0.21$0.16$1.53$1.51$0.01
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$0.40$0.87$0.47$1.49$1.46$0.03
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$0.41$0.58$0.18$1.50$1.37$0.13
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$0.48$0.43$0.05$1.43$1.30$0.13