Civic Intelligence

Vehicle Protection Association

EIN 26-2934816 • 501(c)6 • Fort Lauderdale, FL

Profile

The vpa successfully developed and updated standards in support of our industry and its consumers. These standards demonstrate to government officials and consumers that our industry has eliminated many of its initial communication problems.

100 West Cypress Creek Road Ste 70Fort Lauderdale, FL 33309

www.vpanet.org

Siviq Scores

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

Liabilities / Assets

41st percentile

0.10x

Higher debt load relative to assets than 41% of similar nonprofits.

501(c)6 • $1M-$5M nonprofits • Source year 2017

Liabilities / Revenue

99th percentile

4.70x

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

501(c)6 • $1M-$5M nonprofits • Source year 2017

Net Margin

1st percentile

-1729%

Higher net margin than 1% of similar nonprofits.

501(c)6 • $1M-$5M nonprofits • Source year 2017

Top Officer Pay

60th percentile

$150,000

Higher top officer pay than 60% of similar nonprofits.

Top officer pay equals 19.2% of source-year revenue.

501(c)6 • $1M-$5M nonprofits • Source year 2014

Asset Growth

4th percentile

-27%

Faster asset growth than 4% of similar nonprofits.

501(c)6 • $1M-$5M nonprofits • Annualized from 2016 to 2017

Revenue Growth

1st percentile

-97%

Faster revenue growth than 1% of similar nonprofits.

501(c)6 • $1M-$5M nonprofits • Annualized from 2016 to 2017

Assets

Down

$1,077,098

Down $394,433 (-27%) from 2016

Liabilities

Down

$104,811

Down $1 (-0.0%) from 2016

Net Assets

Down

$972,287

Down $394,432 (-29%) from 2016

Revenue

Down

$22,278

Down $660,026 (-97%) from 2016

Expenses

Down

$407,516

Down $129,402 (-24%) from 2016

Net Income

Down

-$385,238

Down $530,624 (-365%) from 2016

Trend Graphs

Balance Sheet Trend

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

$1.5M$1.0M$500K$0Assets 2012: $573,272Liabilities 2012: $83,741Net Assets 2012: $489,5312012Assets 2013: $744,500Liabilities 2013: $106,956Net Assets 2013: $637,5442013Assets 2014: $1,029,547Liabilities 2014: $122,362Net Assets 2014: $907,1852014Assets 2015: $1,326,146Liabilities 2015: $104,813Net Assets 2015: $1,221,3332015Assets 2016: $1,471,531Liabilities 2016: $104,812Net Assets 2016: $1,366,7192016Assets 2017: $1,077,098Liabilities 2017: $104,811Net Assets 2017: $972,2872017

Highlighted filing

2017

Assets$1,077,098
Liabilities$104,811
Net Assets$972,287

Operations Trend

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

$1.0M$500K$0-$500KExpenses 2012: $398,2872012Revenue 2013: $562,410Expenses 2013: $427,667Net Income 2013: $134,7432013Revenue 2014: $782,654Expenses 2014: $513,013Net Income 2014: $269,6412014Revenue 2015: $803,874Expenses 2015: $484,595Net Income 2015: $319,2792015Revenue 2016: $682,304Expenses 2016: $536,918Net Income 2016: $145,3862016Revenue 2017: $22,278Expenses 2017: $407,516Net Income 2017: -$385,2382017

Highlighted filing

2017

Revenue$22,278
Expenses$407,516
Net Income-$385,238

Filings

Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2017 to Dec 31, 2017
Signed
Nov 15, 2018
Return Version
2017v2.3
Gross Receipts
$22,278
Mission and Program Overview

Mission

The vpa successfully developed and updated standards in support of our industry and its consumers. These standards demonstrate to government officials and consumers that our industry has eliminated many of its initial communication problems.

Balance Sheet Detail
LineBeginningEndChange
Assets
Accounts Receivable$1,050,483$1,050,483→ $0
Cash and Non-Interest-Bearing Accounts$421,048$26,615▼ $394,433
Total Assets$1,471,531$1,077,098▼ $394,433
Liabilities
Deferred Revenue$102,327$102,327→ $0
Accounts Payable and Accrued Expenses$2,485$2,484▼ $1
Total Liabilities$104,812$104,811▼ $1
Net Assets / Fund Balance
Unrestricted Net Assets$1,366,719$972,287▼ $394,432
Total Net Assets Fund Balance$1,366,719$972,287▼ $394,432
Total Liabilities and Net Assets / Fund Balance$1,471,531$1,077,098▼ $394,433
Compensation and Service Providers

Board Members and Trustees

NameTitle
Paul ChernawskyChairman
Brian BeckerVice-chairma
Carter PattersonBoard Member
Chris RileyBoard Member
Clarence TownsendBoard Member
David SitzmanBoard Member
Ellie SutherlandBoard Member
Rebecca HowardBoard Member
Robert SchusterBoard Member
Michelle DefouwSecretary/tr
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$22,278
Investment Income
$0
Other Revenue
$0
Change in Net Assets
$-385,238
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$407,516
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Salaries, Compensation, and Employee Benefits$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Fees for Services Legal$255,656--$255,656
Conferences and Meetings$24,664--$24,664
Fees for Services Accounting$18,191--$18,191
Advertising$8,500--$8,500
Insurance$6,800--$6,800
Travel$2,715--$2,715
Other Expenses$311--$311
Information Technology$100--$100
Total Functional Expenses$407,516$0$0$407,516
Fundraising, Events, and Gaming
Fundraising activities
No
Gaming activities
No
Professional fundraiser used
No

Fundraising and Gaming Totals

Line ItemAmount
Professional Fundraising Fees$0
Political and Lobbying Activity
Political campaign activity
No
In-house lobbying only
No
Subject to proxy tax
Yes
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
Yes
Backup withholding compliance
Yes
Business relationship with family members
No
Business relationship with organization members
No
Material changes to governing documents
No
Compensation from other sources disclosed
No
CEO compensation reviewed
No
Other officer compensation reviewed
No
Conflict-of-interest policy
Yes
Audited financial statements prepared
No
Key decisions subject to board approval
Yes
Management duties delegated
No

Governance Explanations

Form 990, Page 6, Part VI, Line 6

CHRIS CARENZA

Form 990, Page 6, Part VI, Line 7A

YES

Form 990, Page 6, Part VI, Line 7B

YES

Form 990, Page 6, Part VI, Line 11B

No review was or will be conducted.

Form 990, Page 6, Part VI, Line 12C

YES

Form 990, Page 6, Part VI, Line 19

No documents available to the public

Filing and Contact Details

Filer

Filer Name
Vehicle Protection Association
EIN
26-2934816
Phone
3146675654
Address
100 WEST CYPRESS CREEK ROAD STE 70, FORT LAUDERDALE, FL 33309

Signing Officer

Name
Paul Chernawsky
Title
Chairman
Phone
5613222979
Signed
2018-11-15

Organization Details

Principal Officer
Paul Chernawsky
Formed
2008
Legal Domicile
Fl
Voting Board Members
8
Independent Board Members
8
Employees
0

Preparer

Firm
Dime Tax LLC
Address
327 DAHLONEGA ST STE 1004, CUMMING, GA 30040-8210
Preparer
Brittany N Tan
Phone
6782871090
Supplemental Narrative

Additional Explanations

FORM 990 - ORGANIZATION'S MISSION

The vpa successfully developed and updated standards in support of our industry and its consumers. These standards demonstrate to government officials and consumers that our industry has eliminated many of its initial communication problems.

Form 990, Page 1, Part I, Line 6

Form 990, part i, line 1, description of organization mission: to promote regulatory education & compliance for the marketing & servicing of vehicle service contracts. Form 990, part vi, section a, line 6: there are 2 member classes: member and associate member. Members are vehicle service contract providers and include financing companies, administrators, insurers, software providers and credit card processors. Associate members are individuals interested in the organization's mission but who are not vehicle service contract providers. Form 990, part vi, section a, line 7a: all members have equal rights to vote for members of the board. Form 990, part vi, section a, line 7b: the standards of conduct, when initially proposed, are voted upon by the membership. Form 990, part vi, section b, line 11: the audit committee reviews the 990 and presents to the board for their option to review. Form 990, part vi, section b, line 12c: should a situation arise, it is referred to the president. No such situation has ever arisen. Form 990, part vi, section b, line 15: so far, the organization does not have a compensation policy for management. Form 990, part vi, section c, line 19: the organization makes its governing documents, conflict of interest policy, and financial statements available to the public upon request. Form 990, part xi, line 2c oversight of compliled financial statements: there have been no changes during the year in the process for oversight of the compiled financial statements.

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This appendix keeps the raw XML leaves available for debugging and edge-case review. The human report above is the primary experience.

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IRS990/ProgSrvcAccomActy3Grp/Desc0IMAGE ENHANCEMENT: THIS PROGRAM'S FUNCTION IS TO IMPROVE THE IMAGE OF THE VEHICLE SERVICE INDUSTRY. IN THE PAST TWO YEARS, IT HAS BEEN ATTACKED BY ATTORNEYS GENERAL, THE MEDIA AND OTHERS. THE VPA HAS EFFECTIVELY DEALT WITH THESE ISSUES BY PROVIDING EDUCATION TO THE PUBLIC AND REGULATORS.
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IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0THE VPA SUCCESSFULLY DEVELOPED AND UPDATED STANDARDS IN SUPPORT OF OUR INDUSTRY AND ITS CONSUMERS. THESE STANDARDS DEMONSTRATE TO GOVERNMENT OFFICIALS AND CONSUMERS THAT OUR INDUSTRY HAS ELIMINATED MANY OF ITS INITIAL COMMUNICATION PROBLEMS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1FORM 990, PART I, LINE 1, DESCRIPTION OF ORGANIZATION MISSION: TO PROMOTE REGULATORY EDUCATION & COMPLIANCE FOR THE MARKETING & SERVICING OF VEHICLE SERVICE CONTRACTS. FORM 990, PART VI, SECTION A, LINE 6: THERE ARE 2 MEMBER CLASSES: MEMBER AND ASSOCIATE MEMBER. MEMBERS ARE VEHICLE SERVICE CONTRACT PROVIDERS AND INCLUDE FINANCING COMPANIES, ADMINISTRATORS, INSURERS, SOFTWARE PROVIDERS AND CREDIT CARD PROCESSORS. ASSOCIATE MEMBERS ARE INDIVIDUALS INTERESTED IN THE ORGANIZATION'S MISSION BUT WHO ARE NOT VEHICLE SERVICE CONTRACT PROVIDERS. FORM 990, PART VI, SECTION A, LINE 7A: ALL MEMBERS HAVE EQUAL RIGHTS TO VOTE FOR MEMBERS OF THE BOARD. FORM 990, PART VI, SECTION A, LINE 7B: THE STANDARDS OF CONDUCT, WHEN INITIALLY PROPOSED, ARE VOTED UPON BY THE MEMBERSHIP. FORM 990, PART VI, SECTION B, LINE 11: THE AUDIT COMMITTEE REVIEWS THE 990 AND PRESENTS TO THE BOARD FOR THEIR OPTION TO REVIEW. FORM 990, PART VI, SECTION B, LINE 12C: SHOULD A SITUATION ARISE, IT IS REFERRED TO THE PRESIDENT. NO SUCH SITUATION HAS EVER ARISEN. FORM 990, PART VI, SECTION B, LINE 15: SO FAR, THE ORGANIZATION DOES NOT HAVE A COMPENSATION POLICY FOR MANAGEMENT. FORM 990, PART VI, SECTION C, LINE 19: THE ORGANIZATION MAKES ITS GOVERNING DOCUMENTS, CONFLICT OF INTEREST POLICY, AND FINANCIAL STATEMENTS AVAILABLE TO THE PUBLIC UPON REQUEST. FORM 990, PART XI, LINE 2C OVERSIGHT OF COMPLILED FINANCIAL STATEMENTS: THERE HAVE BEEN NO CHANGES DURING THE YEAR IN THE PROCESS FOR OVERSIGHT OF THE COMPILED FINANCIAL STATEMENTS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2CHRIS CARENZA
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3YES
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4YES
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5NO REVIEW WAS OR WILL BE CONDUCTED.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6YES
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt7NO DOCUMENTS AVAILABLE TO THE PUBLIC
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0FORM 990 - ORGANIZATION'S MISSION
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1FORM 990, PAGE 1, PART I, LINE 6
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2FORM 990, PAGE 6, PART VI, LINE 6
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3FORM 990, PAGE 6, PART VI, LINE 7A
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4FORM 990, PAGE 6, PART VI, LINE 7B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5FORM 990, PAGE 6, PART VI, LINE 11B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc6FORM 990, PAGE 6, PART VI, LINE 12C
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc7FORM 990, PAGE 6, PART VI, LINE 19
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IRS990/SignificantNewProgramSrvcInd0false
IRS990/SubjectToProxyTaxInd0true
IRS990/TaxablePartyNotificationInd0false
IRS990/TaxExemptBondsInd0false
IRS990/TempOrPermanentEndowmentsInd0false
IRS990/TerminateOperationsInd0false
IRS990/TotalAssetsBOYAmt01471531
IRS990/TotalAssetsEOYAmt01077098
IRS990/TotalAssetsGrp/BOYAmt01471531
IRS990/TotalAssetsGrp/EOYAmt01077098
IRS990/TotalCompGreaterThan150KInd0false
IRS990/TotalEmployeeCnt00
IRS990/TotalFunctionalExpensesGrp/FundraisingAmt00
IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt00
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt0407516
IRS990/TotalFunctionalExpensesGrp/TotalAmt0407516
IRS990/TotalGrossUBIAmt00
IRS990/TotalLiabilitiesBOYAmt0104812
IRS990/TotalLiabilitiesEOYAmt0104811
IRS990/TotalLiabilitiesGrp/BOYAmt0104812
IRS990/TotalLiabilitiesGrp/EOYAmt0104811
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt01366719
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt0972287
IRS990/TotalProgramServiceRevenueAmt022278
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt022278
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt022278
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt01471531
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt01077098
IRS990/TravelGrp/ProgramServicesAmt02715
IRS990/TravelGrp/TotalAmt02715
IRS990/TypeOfOrganizationCorpInd0X
IRS990/UnrelatedBusIncmOverLimitInd0false
IRS990/UnrestrictedNetAssetsGrp/BOYAmt01366719
IRS990/UnrestrictedNetAssetsGrp/EOYAmt0972287
IRS990/UponRequestInd0X
IRS990/VotingMembersGoverningBodyCnt08
IRS990/VotingMembersIndependentCnt08
IRS990/WebsiteAddressTxt0WWW.VPAINFO.ORG
IRS990/WhistleblowerPolicyInd0true
ReturnHeader/BuildTS02019-02-21 02:37:17Z
ReturnHeader/BusinessOfficerGrp/PersonNm0PAUL CHERNAWSKY
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0CHAIRMAN
ReturnHeader/BusinessOfficerGrp/PhoneNum05613222979
ReturnHeader/BusinessOfficerGrp/SignatureDt02018-11-15
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0VEHICLE PROTECTION ASSOCIATION
ReturnHeader/Filer/BusinessNameControlTxt0VEHI
ReturnHeader/Filer/EIN0262934816
ReturnHeader/Filer/PhoneNum03146675654
ReturnHeader/Filer/USAddress/AddressLine1Txt0100 WEST CYPRESS CREEK ROAD STE 70
ReturnHeader/Filer/USAddress/CityNm0FORT LAUDERDALE
ReturnHeader/Filer/USAddress/StateAbbreviationCd0FL
ReturnHeader/Filer/USAddress/ZIPCd033309
ReturnHeader/FilingSecurityInformation/AtSubmissionCreationDeviceId0D78C4549DB619E8DFB74CDA9A8DE9B6A8683B092
ReturnHeader/FilingSecurityInformation/AtSubmissionFilingDeviceId0F90A530882F25FE809160FF7029E77CEC539A728
ReturnHeader/FilingSecurityInformation/FilingLicenseTypeCd0P
ReturnHeader/FilingSecurityInformation/IPAddress/IPv4AddressTxt0104.46.124.199
ReturnHeader/FilingSecurityInformation/IPDt02018-11-15
ReturnHeader/FilingSecurityInformation/IPTimezoneCd0CS
ReturnHeader/FilingSecurityInformation/IPTm015:42:39
ReturnHeader/PreparerFirmGrp/PreparerFirmEIN0462282110
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt0DIME TAX LLC
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt0327 DAHLONEGA ST STE 1004
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm0CUMMING
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd0GA
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCd0300408210
ReturnHeader/PreparerPersonGrp/PhoneNum06782871090
ReturnHeader/PreparerPersonGrp/PreparationDt02018-11-15
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0BRITTANY N TAN
ReturnHeader/ReturnTs02018-11-15T16:42:39-05:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02017-01-01
ReturnHeader/TaxPeriodEndDt02017-12-31
ReturnHeader/TaxYr02017

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