Civic Intelligence

Massachusetts Risk and Insurance Society Inc

EIN 23-7236362 • 501(c)6 • Boston, MA

Profile

Provide educational opportunities for Risk Mgmt. Professionals

c/o Ins Lib Assoc 156 State StBoston, MA 02109

www.massrims.org

Siviq Scores

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

Liabilities / Assets

Score unavailable

No value available

Liabilities-to-assets requires both liabilities and assets on the latest valid filing.

Source year 2025

Liabilities / Revenue

Score unavailable

No value available

Liabilities-to-revenue requires both liabilities and revenue on the latest valid filing.

Source year 2025

Net Margin

60th percentile

5.6%

Higher net margin than 60% 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

55th percentile

1.1%

Faster asset growth than 55% of similar nonprofits.

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

Revenue Growth

73rd percentile

16%

Faster revenue growth than 73% of similar nonprofits.

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

Balance Sheet
Liabilities / AssetsScore unavailable

Assets

Up

$231,940

Up $2,544 (+1.1%) from 2024

Liabilities

-

No earlier filing loaded for comparison.

Net Assets

Up

$231,940

Up $2,544 (+1.1%) from 2024

Operations
Liabilities / RevenueScore unavailableNet Margin60th percentile

Revenue

Up

$45,107

Up $6,101 (+16%) from 2024

Expenses

Down

$42,563

Down $358 (-0.8%) from 2024

Net Income

Up

$2,544

Up $6,459 (+165%) from 2024

Trend Graphs

Balance Sheet Trend

Asset Growth55th percentile

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

$300K$200K$100K$0Assets 2015: $159,990Net Assets 2015: $159,9902015Assets 2016: $179,032Net Assets 2016: $179,0322016Assets 2017: $186,928Net Assets 2017: $186,9282017Assets 2018: $154,814Net Assets 2018: $154,8142018Assets 2019: $225,751Net Assets 2019: $225,7512019Assets 2020: $223,494Net Assets 2020: $223,4942020Assets 2021: $232,769Net Assets 2021: $232,7692021Assets 2022: $248,913Net Assets 2022: $248,9132022Assets 2023: $233,311Net Assets 2023: $233,3112023Assets 2024: $229,396Net Assets 2024: $229,3962024Assets 2025: $231,940Net Assets 2025: $231,9402025

Highlighted filing

2025

Assets$231,940
Liabilities-
Net Assets$231,940
Open 2025 Filing

Operations Trend

Revenue Growth73rd percentile

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

$150K$100K$50K$0-$50KRevenue 2015: $46,680Expenses 2015: $48,376Net Income 2015: -$1,6962015Revenue 2016: $65,219Expenses 2016: $46,556Net Income 2016: $18,6632016Revenue 2017: $42,383Expenses 2017: $34,487Net Income 2017: $7,8962017Revenue 2018: $2,341Expenses 2018: $34,455Net Income 2018: -$32,1142018Revenue 2019: $105,194Expenses 2019: $34,257Net Income 2019: $70,9372019Revenue 2020: $24,340Expenses 2020: $26,597Net Income 2020: -$2,2572020Revenue 2021: $23,405Expenses 2021: $14,130Net Income 2021: $9,2752021Revenue 2022: $31,776Expenses 2022: $15,632Net Income 2022: $16,1442022Revenue 2023: $25,733Expenses 2023: $41,335Net Income 2023: -$15,6022023Revenue 2024: $39,006Expenses 2024: $42,921Net Income 2024: -$3,9152024Revenue 2025: $45,107Expenses 2025: $42,563Net Income 2025: $2,5442025

Highlighted filing

2025

Revenue$45,107
Expenses$42,563
Net Income$2,544
Open 2025 Filing

Filings

Most recent year

2025 • Form 990EZDetailed filing. Detailed filing data is available for this year.

Open filing
Assets
$231,940
Liabilities
-
Net assets
$231,940
Revenue
$45,107
Expenses
$42,563
Net income
$2,544
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2025Detailed filing. Detailed filing data is available for this year.$2.32$2.32$0.45$0.43$0.03
2024Detailed filing. Detailed filing data is available for this year.$2.29$2.29$0.39$0.43$0.04
2023Detailed filing. Detailed filing data is available for this year.$2.33$2.33$0.26$0.41$0.16
2022Detailed filing. Detailed filing data is available for this year.$2.49$2.49$0.32$0.16$0.16
2021Detailed filing. Detailed filing data is available for this year.$2.33$2.33$0.23$0.14$0.09
2020Detailed filing. Detailed filing data is available for this year.$2.23$2.23$0.24$0.27$0.02
2019Detailed filing. Detailed filing data is available for this year.$2.26$2.26$1.05$0.34$0.71
2018Detailed filing. Detailed filing data is available for this year.$1.55$1.55$0.02$0.34$0.32
2017Detailed filing. Detailed filing data is available for this year.$1.87$1.87$0.42$0.34$0.08
2016Detailed filing. Detailed filing data is available for this year.$1.79$1.79$0.65$0.47$0.19
2015Detailed filing. Detailed filing data is available for this year.$1.60$1.60$0.47$0.48$0.02
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jul 1, 2024 to Jun 30, 2025
Signed
Sep 8, 2025
Return Version
2024v5.2
Gross Receipts
$86,222
Mission and Program Overview

Mission

Provide educational opportunities for Risk Mgmt. Professionals

Program Services

DescriptionGrantsExpenses
Full day annual conference - educational programs designed to increaseawareness of current risk mgmt topics and provide continuingeducation opportunities for chapter members.--
Golf Tournament Fund Raiser - tournament hosted by chapter toraise funds from members and supporters to donate to Societys nationaleducational/scholarship pool--
Monthly Society Meetings - social meeting held on various topics ofinterest to the chapters members.--
Compensation and Service Providers
Top Officer Pay77th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Joseph DiLauroPresidentPT$0--
Anastos ChiavarasTreasurerPT$0--
Kara WordellVice President/SecretaryPT$0--
Matthew DobrasDirectorPT$0--
Fundraising, Events, and Gaming

Fundraising Events

EventGross ReceiptsGross RevenueDirect ExpensesNet Income
Golf Tournament$68,250$68,250-$68,250
Total Events$68,250$68,250-$68,250
Filing and Contact Details

Filer

Filer Name
Massachusetts Risk and Insurance Management Society Inc
EIN
23-7236362
Phone
6175528010
Address
c/o Ins Lib Assoc 156 State St, Boston, MA 02109

Signing Officer

Name
Anastos F Chiavaras
Title
Treasurer
Phone
6175528010
Signed
2025-09-08

Preparer

Firm
John P Cardarelli Msa
Address
48 River St, Middleton, MA 01949
Preparer
John P Cardarelli
Phone
9788312562
Supplemental Narrative

Additional Explanations

Form 990EZ, Part I, Line 10

“Book Scholarships and Gifts; Scholarships & Gifts; : , , , ; , 15983.”

Form 990EZ, Part I, Line 16

“Massachusetts Annual Report Filing Fees 15.”

Form 990EZ, Part I, Line 16

“Monthly Meeting Expenses 3487.”

Form 990EZ, Part I, Line 16

“Annual Holiday Reception Expenses 20804.”

Form 990EZ, Part I, Line 16

“Networking Meeting Expenses 450.”

Form 990EZ, Part I, Line 16

“Risk Insurance Coverage 772.”

Raw XML Appendix130 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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IRS990EZ/BooksInCareOfDetail/USAddress/CityNm0Chestnut Hill
IRS990EZ/BooksInCareOfDetail/USAddress/StateAbbreviationCd0MA
IRS990EZ/BooksInCareOfDetail/USAddress/ZIPCd002467
IRS990EZ/CashSavingsAndInvestmentsGrp/BOYAmt0229396
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IRS990EZ/CostOrOtherBasisExpenseSaleAmt00
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IRS990EZ/ExcessOrDeficitForYearAmt02544
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IRS990EZ/ForeignFinancialAccountInd0false
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IRS990EZ/Form1120PolFiledInd0false
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IRS990EZ/GainOrLossFromSaleOfAssetsAmt00
IRS990EZ/GrantsAndSimilarAmountsPaidAmt015983
IRS990EZ/GrossProfitLossSlsOfInvntryAmt00
IRS990EZ/GrossReceiptsAmt086222
IRS990EZ/GrossReceiptsForPublicUseAmt00
IRS990EZ/InfoInScheduleOPartIInd0X
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IRS990EZ/MethodOfAccountingCashInd0X
IRS990EZ/NetAssetsOrFundBalancesBOYAmt0229396
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IRS990EZ/OfficerDirectorTrusteeEmplGrp/ExpenseAccountOtherAllwncAmt10
IRS990EZ/OfficerDirectorTrusteeEmplGrp/ExpenseAccountOtherAllwncAmt20
IRS990EZ/OfficerDirectorTrusteeEmplGrp/ExpenseAccountOtherAllwncAmt30
IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm0Joseph DiLauro
IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm1Anastos Chiavaras
IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm2Kara Wordell
IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm3Matthew Dobras
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt0President
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt1Treasurer
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt2Vice President/Secretary
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt3Director
IRS990EZ/OperateHospitalInd0false
IRS990EZ/Organization501cInd0X
IRS990EZ/OrganizationDissolvedEtcInd0false
IRS990EZ/OrganizationHadUBIInd0false
IRS990EZ/OtherExpensesTotalAmt025528
IRS990EZ/PrimaryExemptPurposeTxt0Provide educational opportunities for Risk Mgmt. Professionals
IRS990EZ/ProgramServiceRevenueAmt00
IRS990EZ/ProgramSrvcAccomplishmentGrp/DescriptionProgramSrvcAccomTxt0Full day annual conference - educational programs designed to increaseawareness of current risk mgmt topics and provide continuingeducation opportunities for chapter members.
IRS990EZ/ProgramSrvcAccomplishmentGrp/DescriptionProgramSrvcAccomTxt1Golf Tournament Fund Raiser - tournament hosted by chapter toraise funds from members and supporters to donate to Societys nationaleducational/scholarship pool
IRS990EZ/ProgramSrvcAccomplishmentGrp/DescriptionProgramSrvcAccomTxt2Monthly Society Meetings - social meeting held on various topics ofinterest to the chapters members.
IRS990EZ/ProhibitedTaxShelterTransInd0false
IRS990EZ/RelatedOrganizationCtrlEntInd0false
IRS990EZ/ScheduleBNotRequiredInd0X
IRS990EZ/SpecialEventsDirectExpensesAmt041115
IRS990EZ/SpecialEventsNetIncomeLossAmt027135
IRS990EZ/StatesWhereCopyOfReturnIsFldCd0MA
IRS990EZ/SubjectToProxyTaxInd0false
IRS990EZ/TanningServicesProvidedInd0false
IRS990EZ/TotalExpensesAmt042563
IRS990EZ/TotalRevenueAmt045107
IRS990EZ/TransactionWithControlEntInd0false
IRS990EZ/TypeOfOrganizationCorpInd0X
IRS990EZ/WebsiteAddressTxt0www.massachusetts.rims.org
IRS990ScheduleG/FundraisingEventInformationGrp/Event1Nm0Golf Tournament
IRS990ScheduleG/FundraisingEventInformationGrp/GrossReceiptsEvent1Amt068250
IRS990ScheduleG/FundraisingEventInformationGrp/GrossReceiptsTotalAmt068250
IRS990ScheduleG/FundraisingEventInformationGrp/GrossRevenueEvent1Amt068250
IRS990ScheduleG/FundraisingEventInformationGrp/GrossRevenueTotalEventsAmt068250
IRS990ScheduleG/FundraisingEventInformationGrp/NetIncomeSummaryAmt068250
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0Book Scholarships and Gifts; Scholarships & Gifts; : , , , ; , 15983.
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IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2Monthly Meeting Expenses 3487.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3Annual Holiday Reception Expenses 20804.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4Networking Meeting Expenses 450.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5Risk Insurance Coverage 772.
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0Form 990EZ, Part I, Line 10
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IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2Form 990EZ, Part I, Line 16
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3Form 990EZ, Part I, Line 16
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4Form 990EZ, Part I, Line 16
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5Form 990EZ, Part I, Line 16
ReturnHeader/BuildTS02025-03-06 01:10:19Z
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ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0Treasurer
ReturnHeader/BusinessOfficerGrp/PhoneNum06175528010
ReturnHeader/BusinessOfficerGrp/SignatureDt02025-09-08
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ReturnHeader/Filer/BusinessNameControlTxt0MASS
ReturnHeader/Filer/EIN0237236362
ReturnHeader/Filer/PhoneNum06175528010
ReturnHeader/Filer/USAddress/AddressLine1Txt0c/o Ins Lib Assoc 156 State St
ReturnHeader/Filer/USAddress/CityNm0Boston
ReturnHeader/Filer/USAddress/StateAbbreviationCd0MA
ReturnHeader/Filer/USAddress/ZIPCd002109
ReturnHeader/IRSResponsiblePrtyInfoCurrInd0true
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt0JOHN P CARDARELLI MSA
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt048 River St
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm0Middleton
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd0MA
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCd001949
ReturnHeader/PreparerPersonGrp/PhoneNum09788312562
ReturnHeader/PreparerPersonGrp/PreparationDt02025-09-12
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0John P Cardarelli
ReturnHeader/PreparerPersonGrp/SelfEmployedInd0X
ReturnHeader/ReturnTs02025-09-12T07:42:26-07:00
ReturnHeader/ReturnTypeCd0990EZ
ReturnHeader/TaxPeriodBeginDt02024-07-01
ReturnHeader/TaxPeriodEndDt02025-06-30
ReturnHeader/TaxYr02024

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