Liabilities / Assets
99th percentile
Higher debt load relative to assets than 99% of similar nonprofits.
Vermont Automobile Insurance Plan
990EZ • Fiscal year 2017 • EIN 23-7234308
Siviq Scores
Precomputed percentiles for this filing year versus similar nonprofits in the same peer cohort.
3.33x
Liabilities / Revenue
95th percentile
Higher debt load relative to revenue than 95% of similar nonprofits.
Net Margin
74th percentile
Higher net margin than 74% of similar nonprofits.
Top Officer Pay
70th percentile
Higher top officer pay than 70% of similar nonprofits.
Top officer pay equals 0.0% of source-year revenue.
Asset Growth
10th percentile
Faster asset growth than 10% of similar nonprofits.
Revenue Growth
16th percentile
Faster revenue growth than 16% of similar nonprofits.
Balance Sheet
Assets
Down$17,631
Down $8,260 (-32%) from 2016
Net Assets
Down-$41,052
Down $14,308 (-53%) from 2016
Liabilities
Up$58,683
Up $6,048 (+11%) from 2016
Revenue And Expenses
Revenue
Down$110,923
Down $29,568 (-21%) from 2016
Expenses
Down$96,869
Down $18,341 (-16%) from 2016
Net Income
Down$14,054
Down $11,227 (-44%) from 2016
Historical Trend
Jump To
Filing Snapshot
- Filing Period
- Jan 1, 2017 to Dec 31, 2017
- Signed
- May 11, 2018
- Return Version
- 2017v2.2
- Gross Receipts
- $110,923
Mission and Program Overview
Mission
see note below
Program Services
| Description | Grants | Expenses |
|---|---|---|
| TO MAKE MOTOR VEHICLE INSURANCE AVAILABLE FOR PERSONS NOT ABLE TO OBTAIN COVERAGE IN THE VOLUNTARY MARKET. | - | - |
Compensation and Service Providers
Employees
| Name | Title | Full / Part Time | Base | Other | Total |
|---|---|---|---|---|---|
| - | Gov Comm Member | - | $0 | - | - |
| ERIN ODELL | Gov Comm Member | - | $0 | - | - |
| - | Gov Comm Member | - | $0 | - | - |
| - | Gov Comm Member | - | $0 | - | - |
| - | Gov Comm Member | - | $0 | - | - |
| - | Gov Comm Member | - | $0 | - | - |
| RONALD BIXBY | Gov 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
- 2018-05-11
Supplemental Narrative
Additional Explanations
Form 990EZ, Part I, Line 16
“Insurance 347.”
Form 990EZ, Part I, Line 16
“Travel 656.”
Form 990EZ, Part I, Line 16
“Payroll processing 204.”
Form 990EZ, Part I, Line 16
“Equipment Rental 341.”
Form 990EZ, Part I, Line 16
“Miscellaneous 22.”
Form 990EZ, Part I, Line 20
“Reapportionment of prior year's excess -22901.”
Form 990EZ, Part I, Line 20
“Reallocation adjustment 1168.”
Form 990EZ, Part I, Line 20
“pension related changes other thna net periodic cost -6629.”
Form 990EZ, Part II, Line 24
“Accounts Receivable 6091. 3334.”
Form 990EZ, Part II, Line 24
“Prepaid Expenses 0. 0.”
Form 990EZ, Part II, Line 26
“Accounts Payable & Accrued Expenses 4195. 2882.”
Form 990EZ, Part II, Line 26
“Due to AIPSO - pension 46543. 54151.”
Form 990EZ, Part II, Line 26
“Due to AIPSO - vacation 1897. 1650.”
Form 990, Part IX, Line 24E
“Miscellaneous”
Form 990, Part IX, Line 24E
“Bad debt”
Raw XML Appendix155 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 | 19800 |
| IRS990EZ/CashSavingsAndInvestmentsGrp/EOYAmt | 0 | 14297 |
| IRS990EZ/ChgMadeToOrgnzngDocNotRptInd | 0 | false |
| IRS990EZ/ContributionsGiftsGrantsEtcAmt | 0 | 0 |
| IRS990EZ/CostOfGoodsSoldAmt | 0 | 0 |
| IRS990EZ/CostOrOtherBasisExpenseSaleAmt | 0 | 0 |
| IRS990EZ/DonorAdvisedFndsInd | 0 | false |
| IRS990EZ/ExcessOrDeficitForYearAmt | 0 | 14054 |
| IRS990EZ/FeesAndOtherPymtToIndCntrctAmt | 0 | 17914 |
| IRS990EZ/ForeignFinancialAccountInd | 0 | false |
| IRS990EZ/ForeignOfficeInd | 0 | false |
| IRS990EZ/Form1120PolFiledInd | 0 | false |
| IRS990EZ/Form990TotalAssetsGrp/BOYAmt | 0 | 25891 |
| IRS990EZ/Form990TotalAssetsGrp/EOYAmt | 0 | 17631 |
| IRS990EZ/FundraisingGrossIncomeAmt | 0 | 0 |
| IRS990EZ/GainOrLossFromSaleOfAssetsAmt | 0 | 0 |
| IRS990EZ/GamingGrossIncomeAmt | 0 | 0 |
| IRS990EZ/GrossProfitLossSlsOfInvntryAmt | 0 | 0 |
| IRS990EZ/GrossReceiptsAmt | 0 | 110923 |
| IRS990EZ/InfoInScheduleOPartIIInd | 0 | X |
| IRS990EZ/InfoInScheduleOPartIInd | 0 | X |
| IRS990EZ/InvestmentIncomeAmt | 0 | 167 |
| IRS990EZ/MadeLoansToFromOfficersInd | 0 | false |
| IRS990EZ/MembershipDuesAmt | 0 | 110756 |
| IRS990EZ/MethodOfAccountingAccrualInd | 0 | X |
| IRS990EZ/NetAssetsOrFundBalancesBOYAmt | 0 | -26744 |
| IRS990EZ/NetAssetsOrFundBalancesEOYAmt | 0 | -41052 |
| IRS990EZ/NetAssetsOrFundBalancesGrp/BOYAmt | 0 | -26744 |
| IRS990EZ/NetAssetsOrFundBalancesGrp/EOYAmt | 0 | -41052 |
| IRS990EZ/OccupancyRentUtltsAndMaintAmt | 0 | 4541 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt | 0 | 1.00 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt | 1 | 1.00 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt | 2 | 1.00 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt | 3 | 1.00 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt | 4 | 1.00 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt | 5 | 1.00 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt | 6 | 1.00 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt | 7 | 1.00 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt | 8 | 1.00 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/BusinessName/BusinessNameLine1Txt | 0 | Concord General Mut Ins Co |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/BusinessName/BusinessNameLine1Txt | 1 | Nationwide Mutual Ins Co |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/BusinessName/BusinessNameLine1Txt | 2 | State Farm Mut Auto Ins Co |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/BusinessName/BusinessNameLine1Txt | 3 | The Travelers Co's Inc |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/BusinessName/BusinessNameLine1Txt | 4 | Allstate Insurance 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/PersonNm | 0 | ERIN ODELL |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm | 1 | RONALD BIXBY |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt | 0 | Gov Comm Member |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt | 1 | Gov Comm Member |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt | 2 | Gov Comm Member |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt | 3 | Gov Comm Member |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt | 4 | Gov Comm Member |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt | 5 | Gov Comm Member |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt | 6 | Gov Comm Member |
| 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 | 6091 |
| IRS990EZ/OtherAssetsTotalDetail/EOYAmt | 0 | 3334 |
| IRS990EZ/OtherChangesInNetAssetsAmt | 0 | -28362 |
| IRS990EZ/OtherExpensesTotalAmt | 0 | 1570 |
| IRS990EZ/PrimaryExemptPurposeTxt | 0 | see note below |
| IRS990EZ/PrintingPublicationsPostageAmt | 0 | 242 |
| IRS990EZ/ProgramServiceRevenueAmt | 0 | 0 |
| IRS990EZ/ProgramSrvcAccomplishmentGrp/DescriptionProgramSrvcAccomTxt | 0 | TO MAKE MOTOR VEHICLE INSURANCE AVAILABLE FOR PERSONS NOT ABLE TO OBTAIN COVERAGE IN THE VOLUNTARY MARKET. |
| IRS990EZ/ProhibitedTaxShelterTransInd | 0 | false |
| IRS990EZ/RelatedOrganizationCtrlEntInd | 0 | false |
| IRS990EZ/SalariesOtherCompEmplBnftAmt | 0 | 72602 |
| IRS990EZ/ScheduleBNotRequiredInd | 0 | X |
| IRS990EZ/SpecialEventsDirectExpensesAmt | 0 | 0 |
| IRS990EZ/SpecialEventsNetIncomeLossAmt | 0 | 0 |
| IRS990EZ/SubjectToProxyTaxInd | 0 | false |
| IRS990EZ/SumOfTotalLiabilitiesGrp/BOYAmt | 0 | 52635 |
| IRS990EZ/SumOfTotalLiabilitiesGrp/EOYAmt | 0 | 58683 |
| IRS990EZ/TanningServicesProvidedInd | 0 | false |
| IRS990EZ/TotalExpensesAmt | 0 | 96869 |
| IRS990EZ/TotalRevenueAmt | 0 | 110923 |
| IRS990EZ/TransactionWithControlEntInd | 0 | false |
| IRS990EZ/TypeOfOrganizationAssocInd | 0 | X |
| IRS990EZ/WebsiteAddressTxt | 0 | www.aipso.com/vt |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 0 | Insurance 347. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 1 | Travel 656. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 2 | Payroll processing 204. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 3 | Equipment Rental 341. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 4 | Miscellaneous 22. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 5 | Reapportionment of prior year's excess -22901. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 6 | Reallocation adjustment 1168. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 7 | pension related changes other thna net periodic cost -6629. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 8 | Accounts Receivable 6091. 3334. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 9 | Prepaid Expenses 0. 0. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 10 | Accounts Payable & Accrued Expenses 4195. 2882. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 11 | Due to AIPSO - pension 46543. 54151. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 12 | Due to AIPSO - vacation 1897. 1650. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 13 | Miscellaneous |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 14 | Bad debt |
| 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 16 |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 3 | Form 990EZ, Part I, Line 16 |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 4 | Form 990EZ, Part I, Line 16 |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 5 | Form 990EZ, Part I, Line 20 |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 6 | Form 990EZ, Part I, Line 20 |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 7 | Form 990EZ, Part I, Line 20 |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 8 | Form 990EZ, Part II, Line 24 |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 9 | Form 990EZ, Part II, Line 24 |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 10 | Form 990EZ, Part II, Line 26 |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 11 | Form 990EZ, Part II, Line 26 |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 12 | Form 990EZ, Part II, Line 26 |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 13 | Form 990, Part IX, Line 24e |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 14 | Form 990, Part IX, Line 24e |
| ReturnHeader/BuildTS | 0 | 2018-06-14 16:35:46Z |
| ReturnHeader/BusinessOfficerGrp/PersonNm | 0 | DAVID MAYNARD |
| ReturnHeader/BusinessOfficerGrp/PersonTitleTxt | 0 | ACCOUNTING MANAGER |
| ReturnHeader/BusinessOfficerGrp/PhoneNum | 0 | 4019462310 |
| ReturnHeader/BusinessOfficerGrp/SignatureDt | 0 | 2018-05-11 |
| 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/FilingSecurityInformation/AtSubmissionCreationDeviceId | 0 | C90AFD6DC90ACA4F5CB076DBBBFEC717CF36B374 |
| ReturnHeader/FilingSecurityInformation/AtSubmissionFilingDeviceId | 0 | C90AFD6DC90ACA4F5CB076DBBBFEC717CF36B374 |
| ReturnHeader/FilingSecurityInformation/FilingLicenseTypeCd | 0 | P |
| ReturnHeader/FilingSecurityInformation/IPAddress/IPv4AddressTxt | 0 | 165.225.38.71 |
| ReturnHeader/FilingSecurityInformation/IPDt | 0 | 2018-09-19 |
| ReturnHeader/FilingSecurityInformation/IPTimezoneCd | 0 | PD |
| ReturnHeader/FilingSecurityInformation/IPTm | 0 | 05:16:15 |
| ReturnHeader/ReturnTs | 0 | 2018-09-19T05:16:20-07:00 |
| ReturnHeader/ReturnTypeCd | 0 | 990EZ |
| ReturnHeader/TaxPeriodBeginDt | 0 | 2017-01-01 |
| ReturnHeader/TaxPeriodEndDt | 0 | 2017-12-31 |
| ReturnHeader/TaxYr | 0 | 2017 |
Document Assets
No mirrored PDF or thumbnail assets are attached yet.
Filings
Displayed year
2017 • Form 990EZDetailed filing. Detailed filing data is available for this year.
- Assets
- $17,631
- Liabilities
- $58,683
- Net assets
- -$41,052
- Revenue
- $110,923
- Expenses
- $96,869
- Net income
- $14,054