Civic Intelligence

Policyholders Mutual Insurance Company

990 • Fiscal year 2022 • EIN 39-1621483

Jan 01, 2022 to Dec 31, 2022 • Filed on Mar 31, 2023

Organization ProfileN/A
7203 Gene Street Suite ADeforest, WI 53532

(608) 846-7203

Siviq Scores

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

Liabilities / Assets

59th percentile

0.00x

Tied with the lowest-debt nonprofits in its peer group.

2022 filings • <$500k nonprofits • Source year 2022

Liabilities / Revenue

59th percentile

0.00x

Tied with the lowest-debt nonprofits in its peer group.

2022 filings • <$500k nonprofits • Source year 2022

Net Margin

70th percentile

19%

Higher net margin than 70% of similar nonprofits.

2022 filings • <$500k nonprofits • Source year 2022

Top Officer Pay

98th percentile

$89,196

Higher top officer pay than 98% of similar nonprofits.

Top officer pay equals 186.7% of source-year revenue.

2022 filings • <$500k nonprofits • Source year 2022

Asset Growth

47th percentile

-1.0%

Faster asset growth than 47% of similar nonprofits.

2022 filings • <$500k nonprofits • Annualized from 2021 to 2022

Revenue Growth

58th percentile

16%

Faster revenue growth than 58% of similar nonprofits.

2022 filings • <$500k nonprofits • Annualized from 2021 to 2022

Balance Sheet
Liabilities / Assets59th percentile

Assets

Down

$287,591

Down $2,973 (-1.0%) from 2021

Net Assets

Up

$287,591

Up $6,027 (+2.1%) from 2021

Liabilities

Down

$0

Down $9,000 (-100%) from 2021

Revenue And Expenses
Liabilities / Revenue59th percentileNet Margin70th percentile

Revenue

Up

$47,781

Up $6,565 (+16%) from 2021

Expenses

Up

$38,646

Up $355 (+0.9%) from 2021

Net Income

Up

$9,135

Up $6,210 (+212%) from 2021

Historical Trend

Balance Sheet Trend

Asset Growth47th percentile

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

$300K$200K$100K$0Assets 2011: $242,193Liabilities 2011: $11,750Net Assets 2011: $230,4432011Assets 2012: $240,142Liabilities 2012: $6,750Net Assets 2012: $233,3922012Assets 2013: $251,411Liabilities 2013: $11,900Net Assets 2013: $239,5112013Assets 2014: $271,914Liabilities 2014: $18,000Net Assets 2014: $253,9142014Assets 2015: $284,028Liabilities 2015: $12,675Net Assets 2015: $271,3532015Assets 2016: $289,512Liabilities 2016: $7,200Net Assets 2016: $282,3122016Assets 2017: $280,365Liabilities 2017: $1,800Net Assets 2017: $278,5652017Assets 2018: $273,231Liabilities 2018: $1,170Net Assets 2018: $272,0612018Assets 2019: $274,200Liabilities 2019: $600Net Assets 2019: $273,6002019Assets 2020: $278,602Liabilities 2020: $0Net Assets 2020: $278,6022020Assets 2021: $290,564Liabilities 2021: $9,000Net Assets 2021: $281,5642021Assets 2022: $287,591Liabilities 2022: $0Net Assets 2022: $287,5912022Assets 2023: $279,672Liabilities 2023: $45,572Net Assets 2023: $234,1002023Assets 2024: $0Liabilities 2024: $0Net Assets 2024: $02024

Highlighted filing

2022

Assets$287,591
Liabilities$0
Net Assets$287,591
Open 2022 Filing

Operations Trend

Revenue Growth58th percentile

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

$80K$60K$40K$20K$0-$20KExpenses 2011: $16,3052011Expenses 2012: $16,3772012Revenue 2013: $22,084Expenses 2013: $16,746Net Income 2013: $5,3382013Revenue 2014: $26,889Expenses 2014: $17,880Net Income 2014: $9,0092014Revenue 2015: $33,871Expenses 2015: $18,272Net Income 2015: $15,5992015Revenue 2016: $33,475Expenses 2016: $26,587Net Income 2016: $6,8882016Revenue 2017: $16,143Expenses 2017: $23,395Net Income 2017: -$7,2522017Revenue 2018: $31,875Expenses 2018: $39,711Net Income 2018: -$7,8362018Revenue 2019: $37,798Expenses 2019: $36,011Net Income 2019: $1,7872019Revenue 2020: $43,463Expenses 2020: $36,417Net Income 2020: $7,0462020Revenue 2021: $41,216Expenses 2021: $38,291Net Income 2021: $2,9252021Revenue 2022: $47,781Expenses 2022: $38,646Net Income 2022: $9,1352022Revenue 2023: $51,454Expenses 2023: $63,201Net Income 2023: -$11,7472023Revenue 2024: -$255Expenses 2024: $15,870Net Income 2024: -$16,1252024

Highlighted filing

2022

Revenue$47,781
Expenses$38,646
Net Income$9,135
Open 2022 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2022 to Dec 31, 2022
Signed
Mar 31, 2023
Return Version
2022v5.0
Gross Receipts
$47,781
Mission and Program Overview

Mission

Provide insurance protection to its member companies

Provide insurance protection to its member companies.

Balance Sheet Detail
LineBeginningEndChange
Assets
Rtn Earn Endowment Incm Other Fnds$281,564$260,579▼ $20,985
Investments in Publicly Traded Securities$116,612$163,326▲ $46,714
Savings and Temporary Cash Investments$129,636$85,728▼ $43,908
Investments Other Securities$30,576$27,468▼ $3,108
Cash and Non-Interest-Bearing Accounts$12,787$9,792▼ $2,995
Total Assets$290,564$287,591▼ $2,973
Other Assets Total$953$1,277▲ $324
Liabilities
Other Liabilities$9,000$27,012▲ $18,012
Total Liabilities$9,000$27,012▲ $18,012
Net Assets / Fund Balance
Total Net Assets Fund Balance$281,564$260,579▼ $20,985
Total Liabilities and Net Assets / Fund Balance$290,564$287,591▼ $2,973

Asset Categories

AssetBook ValueDepreciationBasis
Other Securities$27,468--
Compensation and Service Providers
Top Officer Pay98th percentile

Employees

NameTitleOtherTotal
Patrick LawsPresident$89,196$89,196

Board Members and Trustees

NameTitle
Darren ReohChair
Peggy Sue LangerVice Chair
Jakie SperbergDirector
Karen SmithDirector
Laura ShellDirector
Lisa RockweilerDirector
Paul RosenowDirector
Sonia DeboerSecretary/tr
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$45,900
Investment Income
$1,881
Other Revenue
$0
Change in Net Assets
$-17,877

Audited Revenue Reconciliation

Revenue per Audited Statements
$47,781
Revenue Not Reported on Form 990
$-3,108
Total Revenue per Audited Statements
$44,673
Total Revenue per Form 990
$47,781
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$65,658
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-$27,012-$27,012
Fees for Services Accounting-$10,540-$10,540
Insurance-$5,593-$5,593
Office Expenses-$2,400-$2,400
Other Expenses-$580-$580
Total Functional Expenses$0$65,658$0$65,658

Audited Expense Reconciliation

Line ItemAmount
Expenses per Audited Statements$65,658
Total Expenses per Audited Statements$65,658
Total Expenses per Form 990$65,658
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
Subject to proxy tax
No
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Other Liabilities$27,012
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
Yes
Annual disclosure for covered persons
Yes
Audit committee
Yes
Business relationship with 35% controlled entity
No
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

“As a mutual insurance company, the insured companies are considered to be members. There were 51 member companies during the year.”

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

“The member companies elect the directors and officers.”

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

“The member companies approve the actions of the board members at the annual meeting.”

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

“A draft copy of the form 990 was reviewed by the president.”

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

“No conflicts of interest have been discovered.”

Form 990, Page 6, Part VI, Line 19

“Summary financial statements are available to the member companies and all financial records are available for review by the member companies.”

Filing and Contact Details

Filer

Filer Name
Policyholders Mutual Insurance Comp
EIN
39-1621483
Phone
6088467203
Address
7203 GENE STREET SUITE A, DEFOREST, WI 53532

Signing Officer

Name
Patrick Laws
Title
President
Phone
6088467203
Signed
2023-03-31
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Patrick Laws
Formed
1989
Legal Domicile
Wi
Voting Board Members
8
Independent Board Members
8
Employees
0

Preparer

Firm
Carlsonsv Llp
Address
301 KELLER AVE S, AMERY, WI 54001-1283
Preparer
Margo a Rosen CPA
Phone
7159544995
Supplemental Narrative

Additional Explanations

Form 990, Page 1, Item B

“An amended return is being filed to correct accounts payable amounts as of 12/31/2022. In previously issued financial statements, the company did not include accounts payable. The effect of the amended return is an increase of accounts payable of 27,012 and an increase of professional fees expense of 27,012.”

Raw XML Appendix318 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.

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IRS990/Form990PartVIISectionAGrp/TitleTxt0PRESIDENT
IRS990/Form990PartVIISectionAGrp/TitleTxt1DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt2DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt3DIRECTOR
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IRS990/Form990PartVIISectionAGrp/TitleTxt5DIRECTOR
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IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0AN AMENDED RETURN IS BEING FILED TO CORRECT ACCOUNTS PAYABLE AMOUNTS AS OF 12/31/2022. IN PREVIOUSLY ISSUED FINANCIAL STATEMENTS, THE COMPANY DID NOT INCLUDE ACCOUNTS PAYABLE. THE EFFECT OF THE AMENDED RETURN IS AN INCREASE OF ACCOUNTS PAYABLE OF 27,012 AND AN INCREASE OF PROFESSIONAL FEES EXPENSE OF 27,012.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1AS A MUTUAL INSURANCE COMPANY, THE INSURED COMPANIES ARE CONSIDERED TO BE MEMBERS. THERE WERE 51 MEMBER COMPANIES DURING THE YEAR.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2THE MEMBER COMPANIES ELECT THE DIRECTORS AND OFFICERS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3THE MEMBER COMPANIES APPROVE THE ACTIONS OF THE BOARD MEMBERS AT THE ANNUAL MEETING.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4A DRAFT COPY OF THE FORM 990 WAS REVIEWED BY THE PRESIDENT.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5NO CONFLICTS OF INTEREST HAVE BEEN DISCOVERED.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6SUMMARY FINANCIAL STATEMENTS ARE AVAILABLE TO THE MEMBER COMPANIES AND ALL FINANCIAL RECORDS ARE AVAILABLE FOR REVIEW BY THE MEMBER COMPANIES.
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0FORM 990, PAGE 1, ITEM B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1FORM 990, PAGE 6, PART VI, LINE 6
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2FORM 990, PAGE 6, PART VI, LINE 7A
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3FORM 990, PAGE 6, PART VI, LINE 7B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4FORM 990, PAGE 6, PART VI, LINE 11B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5FORM 990, PAGE 6, PART VI, LINE 12C
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc6FORM 990, PAGE 6, PART VI, LINE 19
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ReturnHeader/TaxYr02022

Document Assets

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Filings

Displayed year

2022 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$287,591
Liabilities
$0
Net assets
$287,591
Revenue
$47,781
Expenses
$38,646
Net income
$9,135
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$0.00$0.00$0.00$0.00$0.16$0.16
2023XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$2.80$0.46$2.34$0.51$0.63$0.12
2022Detailed filing. Detailed filing data is available for this year.$2.88$0.00$2.88$0.48$0.39$0.09
2021XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$2.91$0.09$2.82$0.41$0.38$0.03
2020XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$2.79$0.00$2.79$0.43$0.36$0.07
2019XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$2.74$0.01$2.74$0.38$0.36$0.02
2018XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$2.73$0.01$2.72$0.32$0.40$0.08
2017XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$2.80$0.02$2.79$0.16$0.23$0.07
2016Facts available. Structured filing facts are available, but richer extracted sections are limited.$2.90$0.07$2.82$0.33$0.27$0.07
2015Detailed filing. Detailed filing data is available for this year.$2.84$0.13$2.71$0.34$0.18$0.16
2014Detailed filing. Detailed filing data is available for this year.$2.72$0.18$2.54$0.27$0.18$0.09
2013Import issue. A filing source exists for this year, but detailed import did not complete cleanly.$2.51$0.12$2.40$0.22$0.17$0.05
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$2.40$0.07$2.33$0.16
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$2.42$0.12$2.30$0.16