Liabilities / Assets
90th percentile
Higher debt load relative to assets than 90% of similar nonprofits.
Precomputed percentiles for this filing year versus similar nonprofits in the same peer cohort.
Liabilities / Assets
90th percentile
Higher debt load relative to assets than 90% of similar nonprofits.
Liabilities / Revenue
Score unavailable
Liabilities-to-revenue requires both liabilities and revenue on this filing.
Net Margin
Score unavailable
Net margin requires both revenue and expenses on this filing.
Top Officer Pay
Score unavailable
This filing does not contain officer compensation rows.
Asset Growth
66th percentile
Faster asset growth than 66% of similar nonprofits.
Revenue Growth
Score unavailable
No valid filing value is available for this score.
Assets
Up$1,094,477
Up $109,821 (+11%) from 2012
Net Assets
Up$167,477
Up $127,908 (+323%) from 2012
Liabilities
Down$927,000
Down $18,087 (-1.9%) from 2012
Revenue
-
No earlier filing loaded for comparison.
Expenses
Up$4,459,872
Up $633,198 (+17%) from 2012
Net Income
-
No earlier filing loaded for comparison.
To effectuate employee health, dental, vision, lt and st disability & death benefits for employees & eligible dependents.
This appendix keeps the raw XML leaves available for debugging and edge-case review. The human report above is the primary experience.
| Path | # | Value |
|---|---|---|
| IRS990/AccountantCompileOrReview | 0 | false |
| IRS990/AccountsPayableAccruedExpenses/BOY | 0 | 945087 |
| IRS990/AccountsPayableAccruedExpenses/EOY | 0 | 927000 |
| IRS990/AccountsReceivable/EOY | 0 | 77345 |
| IRS990/ActivitiesConductedPartnership | 0 | false |
| IRS990/ActivityOrMissionDescription | 0 | provide health, death and other employee benefits |
| IRS990/AddressPrincipalOfficerUS/AddressLine1 | 0 | PO BOX 260 |
| IRS990/AddressPrincipalOfficerUS/City | 0 | SIOUX CENTER |
| IRS990/AddressPrincipalOfficerUS/State | 0 | IA |
| IRS990/AddressPrincipalOfficerUS/ZIPCode | 0 | 51250 |
| IRS990/BenefitsPaidToMembersCY | 0 | 4210022 |
| IRS990/BenefitsPaidToMembersPriorYear | 0 | 3594995 |
| IRS990/BenefitsToMembers/ProgramServices | 0 | 4210022 |
| IRS990/BenefitsToMembers/Total | 0 | 4210022 |
| IRS990/BsnssRltnshpThruFamilyMember | 0 | false |
| IRS990/BsnssRltnshpWithOrganization | 0 | false |
| IRS990/ChangesToOrganizingDocs | 0 | false |
| IRS990/CollectionsOfArt | 0 | false |
| IRS990/CompensationFromOtherSources | 0 | false |
| IRS990/CompensationProcessCEO | 0 | false |
| IRS990/CompensationProcessOther | 0 | false |
| IRS990/ComplianceWithBackupWitholding | 0 | true |
| IRS990/ConflictOfInterestPolicy | 0 | false |
| IRS990/ConservationEasements | 0 | false |
| IRS990/ConsolidatedAuditFinancialStmt | 0 | true |
| IRS990/ContributionsGrantsCurrentYear | 0 | 0 |
| IRS990/CreditCounseling | 0 | false |
| IRS990/DecisionsSubjectToApproval | 0 | true |
| IRS990/DeductibleContributionsOfArt | 0 | false |
| IRS990/DeductibleNonCashContributions | 0 | false |
| IRS990/DelegationOfManagementDuties | 0 | false |
| IRS990/DescribedIn501C3 | 0 | false |
| IRS990/Description | 0 | EMPLOYEE HEALTH, DENTAL, VISION, LT AND ST DISABILITY & DEATH BENEFITS FOR EMPLOYEES & ELIGIBLE DEPENDENTS-AVE. NUMBER ENROLLED DURING THE YEAR 407 |
| IRS990/DisregardedEntity | 0 | false |
| IRS990/DocumentRetentionPolicy | 0 | false |
| IRS990/DonorAdvisedFunds | 0 | false |
| IRS990/DoNotFollowSFAS117 | 0 | X |
| IRS990/ElectionOfBoardMembers | 0 | true |
| IRS990/ExcessBenefitTransaction | 0 | false |
| IRS990/Expense | 0 | 4210022 |
| IRS990/FamilyOrBusinessRelationship | 0 | true |
| IRS990/FederalGrantAuditRequired | 0 | false |
| IRS990/ForeignActivities | 0 | false |
| IRS990/ForeignFinancialAccount | 0 | false |
| IRS990/ForeignOffice | 0 | false |
| IRS990/Form8282PropertyDisposedOf | 0 | false |
| IRS990/Form990PartVIISectionA/AverageHoursPerWeek | 0 | 5.00 |
| IRS990/Form990PartVIISectionA/AverageHoursPerWeek | 1 | 5.00 |
| IRS990/Form990PartVIISectionA/IndividualTrusteeOrDirector | 0 | X |
| IRS990/Form990PartVIISectionA/IndividualTrusteeOrDirector | 1 | X |
| IRS990/Form990PartVIISectionA/NamePerson | 0 | SCOTT PETERSON |
| IRS990/Form990PartVIISectionA/NamePerson | 1 | RON HEEMSTRA |
| IRS990/Form990PartVIISectionA/OtherCompensation | 0 | 0 |
| IRS990/Form990PartVIISectionA/OtherCompensation | 1 | 0 |
| IRS990/Form990PartVIISectionA/ReportableCompFromOrganization | 0 | 0 |
| IRS990/Form990PartVIISectionA/ReportableCompFromOrganization | 1 | 0 |
| IRS990/Form990PartVIISectionA/ReportableCompFromRelatedOrgs | 0 | 0 |
| IRS990/Form990PartVIISectionA/ReportableCompFromRelatedOrgs | 1 | 0 |
| IRS990/Form990PartVIISectionA/Title | 0 | Trustee |
| IRS990/Form990PartVIISectionA/Title | 1 | Trustee |
| IRS990/Form990ProvidedToGoverningBody | 0 | true |
| IRS990/FormersListed | 0 | false |
| IRS990/FSAudited | 0 | false |
| IRS990/FundraisingActivities | 0 | false |
| IRS990/FundsToPayPremiums | 0 | false |
| IRS990/Gaming | 0 | false |
| IRS990/GrantsAndSimilarAmntsCY | 0 | 0 |
| IRS990/GrantsToIndividuals | 0 | false |
| IRS990/GrantsToOrganizations | 0 | false |
| IRS990/GrantToRelatedPerson | 0 | false |
| IRS990/GrossReceipts | 0 | 4587780 |
| IRS990/GroupReturnForAffiliates | 0 | false |
| IRS990/Hospital | 0 | false |
| IRS990/IndependentAuditFinancialStmt | 0 | false |
| IRS990/IndoorTanningServices | 0 | false |
| IRS990/InfoInScheduleOPartVI | 0 | X |
| IRS990/InfoInScheduleOPartXII | 0 | X |
| IRS990/InvestmentIncomeCurrentYear | 0 | 2448 |
| IRS990/InvestmentIncome/ExclusionAmount | 0 | 2448 |
| IRS990/InvestmentIncomePriorYear | 0 | 3979 |
| IRS990/InvestmentIncome/TotalRevenueColumn | 0 | 2448 |
| IRS990/InvestmentInJointVenture | 0 | false |
| IRS990/LoanToOfficerOrDQP | 0 | false |
| IRS990/LobbyingActivities | 0 | false |
| IRS990/LocalChapters | 0 | false |
| IRS990/MaterialDiversionOrMisuse | 0 | false |
| IRS990/MembersOrStockholders | 0 | false |
| IRS990/MethodOfAccountingAccrual | 0 | X |
| IRS990/MinutesOfCommittees | 0 | true |
| IRS990/MinutesOfGoverningBody | 0 | true |
| IRS990/MissionDescription | 0 | TO EFFECTUATE AN EMPLOYEE HEALTH, DENTAL, VISION, AND SHORT-TERM |
| IRS990/MoreThan5000KToIndividuals | 0 | false |
| IRS990/MoreThan5000KToOrganizations | 0 | false |
| IRS990/NameOfPrincipalOfficerPerson | 0 | RONALD HEEMSTRA |
| IRS990/NbrIndependentVotingMembers | 0 | 0 |
| IRS990/NbrVotingGoverningBodyMembers | 0 | 2 |
| IRS990/NbrVotingMembersGoverningBody | 0 | 2 |
| IRS990/NetAssetsOrFundBalancesBOY | 0 | 39569 |
| IRS990/NetAssetsOrFundBalancesEOY | 0 | 167477 |
| IRS990/NoListedPersonsCompensated | 0 | X |
| IRS990/NonDeductibleContributions | 0 | false |
| IRS990/NumberFormsTransmittedWith1096 | 0 | 0 |
| IRS990/NumberIndependentVotingMembers | 0 | 0 |
| IRS990/NumberOfEmployees | 0 | 0 |
| IRS990/NumberW2GIncluded | 0 | 0 |
| IRS990/OfficerEntityWithBsnssRltnshp | 0 | false |
| IRS990/OfficerMailingAddress | 0 | false |
| IRS990/Organization501c | 0 | X |
| IRS990/OtherExpensePriorYear | 0 | 231679 |
| IRS990/OtherExpensesCurrentYear | 0 | 249850 |
| IRS990/OtherExpenses/Description | 0 | contract administration |
| IRS990/OtherExpenses/ManagementAndGeneral | 0 | 249850 |
| IRS990/OtherExpenses/Total | 0 | 249850 |
| IRS990/OtherRevenueCurrentYear | 0 | 0 |
| IRS990/PartialLiquidation | 0 | false |
| IRS990/PoliticalActivities | 0 | false |
| IRS990/PremiumsPaid | 0 | false |
| IRS990/PriorExcessBenefitTransaction | 0 | false |
| IRS990/ProfessionalFundraising | 0 | false |
| IRS990/ProgramServiceRevenue/BusinessCode | 0 | 525100 |
| IRS990/ProgramServiceRevenue/BusinessCode | 1 | 525100 |
| IRS990/ProgramServiceRevenue/BusinessCode | 2 | 525100 |
| IRS990/ProgramServiceRevenueCY | 0 | 4585332 |
| IRS990/ProgramServiceRevenue/Description | 0 | EMPLOYER CONTRIBUTIONS |
| IRS990/ProgramServiceRevenue/Description | 1 | EMPLOYEE CONTRIBUTIONS |
| IRS990/ProgramServiceRevenue/Description | 2 | STOP-LOSS INSURANCE RECEIVED |
| IRS990/ProgramServiceRevenuePriorYear | 0 | 3846899 |
| IRS990/ProgramServiceRevenue/TotalRevenueColumn | 0 | 3169726 |
| IRS990/ProgramServiceRevenue/TotalRevenueColumn | 1 | 1090115 |
| IRS990/ProgramServiceRevenue/TotalRevenueColumn | 2 | 325491 |
| IRS990/ProhibitedTaxShelterTrans | 0 | false |
| IRS990/QuidProQuoContributions | 0 | false |
| IRS990/ReconcilationRevenueExpenses | 0 | 127908 |
| IRS990/RelatedEntity | 0 | true |
| IRS990/RelatedOrgControlledEntity | 0 | false |
| IRS990/ReportFin48Footnote | 0 | false |
| IRS990/ReportInvestOthSecurities | 0 | false |
| IRS990/ReportLandBldgEquip | 0 | false |
| IRS990/ReportOtherAssets | 0 | false |
| IRS990/ReportOtherLiabilities | 0 | false |
| IRS990/ReportProgRelInvest | 0 | false |
| IRS990/RetainedEarningsEndowmentEtc/BOY | 0 | 39569 |
| IRS990/RetainedEarningsEndowmentEtc/EOY | 0 | 167477 |
| IRS990/Revenue | 0 | 4585332 |
| IRS990/RevenuesLessExpensesCY | 0 | 127908 |
| IRS990/RevenuesLessExpensesPriorYear | 0 | 24204 |
| IRS990/SalariesEtcCurrentYear | 0 | 0 |
| IRS990/SavingsAndTempCashInvestments/BOY | 0 | 984656 |
| IRS990/SavingsAndTempCashInvestments/EOY | 0 | 1017132 |
| IRS990/ScheduleBRequired | 0 | false |
| IRS990/ScheduleJRequired | 0 | false |
| IRS990ScheduleO/GeneralExplanation/Explanation | 0 | Trustee reads before signing. |
| IRS990ScheduleO/GeneralExplanation/Explanation | 1 | No documents available to the public. |
| IRS990ScheduleO/GeneralExplanation/Explanation | 2 | Ron Heemstra and Scott Peterson business relationship. |
| IRS990ScheduleO/GeneralExplanation/Explanation | 3 | Harbor Group, Inc. may remove and appoint trustees. |
| IRS990ScheduleO/GeneralExplanation/Explanation | 4 | Harbor Group, Inc. may remove trustee or terminate trust. |
| IRS990ScheduleO/GeneralExplanation/Explanation | 5 | The trust's financial statements are included in the |
| IRS990ScheduleO/GeneralExplanation/Explanation | 6 | Harbor Group Comprehensive Health and Welfare Plan |
| IRS990ScheduleO/GeneralExplanation/Explanation | 7 | audited financial statements. |
| IRS990ScheduleO/GeneralExplanation/Identifier | 0 | Pt VI, Line 11b |
| IRS990ScheduleO/GeneralExplanation/Identifier | 1 | Pt VI, Line 19 |
| IRS990ScheduleO/GeneralExplanation/Identifier | 2 | Pt VI, Line 2 |
| IRS990ScheduleO/GeneralExplanation/Identifier | 3 | Pt VI, Line 7a |
| IRS990ScheduleO/GeneralExplanation/Identifier | 4 | Pt VI, Line 7b |
| IRS990ScheduleO/GeneralExplanation/Identifier | 5 | part XII line 2b |
| IRS990/ScheduleORequired | 0 | true |
| IRS990ScheduleR/DividendsRelatedOrganization | 0 | false |
| IRS990ScheduleR/ExchangeOfAssets | 0 | false |
| IRS990ScheduleR/Form990ScheduleRPartIV/AddressUS/AddressLine1 | 0 | PO BOX 260 |
| IRS990ScheduleR/Form990ScheduleRPartIV/AddressUS/City | 0 | SIOUX CENTER |
| IRS990ScheduleR/Form990ScheduleRPartIV/AddressUS/State | 0 | IA |
| IRS990ScheduleR/Form990ScheduleRPartIV/AddressUS/ZIPCode | 0 | 51250 |
| IRS990ScheduleR/Form990ScheduleRPartIV/ControlledOrg | 0 | false |
| IRS990ScheduleR/Form990ScheduleRPartIV/DirectControllingEntityName/BusinessNameLine1 | 0 | NA |
| IRS990ScheduleR/Form990ScheduleRPartIV/EIN | 0 | 421492435 |
| IRS990ScheduleR/Form990ScheduleRPartIV/LegalDomicileState | 0 | IA |
| IRS990ScheduleR/Form990ScheduleRPartIV/NameOfRelatedOrg/BusinessNameLine1 | 0 | HARBOR GROUP INC |
| IRS990ScheduleR/Form990ScheduleRPartIV/PrimaryActivity | 0 | electrical contracting |
| IRS990ScheduleR/Form990ScheduleRPartIV/TypeOfEntity | 0 | C |
| IRS990ScheduleR/Form990ScheduleRPartVII/Explanation | 0 | Harbor Group, Inc. provides bookkeeping and other |
| IRS990ScheduleR/Form990ScheduleRPartVII/Explanation | 1 | services, estimated FV under $50,000 |
| IRS990ScheduleR/Form990ScheduleRPartVII/Explanation | 2 | The trust uses facilities and assets of Harbor Group, |
| IRS990ScheduleR/Form990ScheduleRPartVII/Explanation | 3 | Inc., estimated FV under $50,000 |
| IRS990ScheduleR/Form990ScheduleRPartVII/Explanation | 4 | Harbor Group, Inc. makes cash transfers to the trust |
| IRS990ScheduleR/Form990ScheduleRPartVII/Explanation | 5 | for employer and employee contributions. |
| IRS990ScheduleR/Form990ScheduleRPartVII/Identifier | 0 | Pt V Line 1m |
| IRS990ScheduleR/Form990ScheduleRPartVII/Identifier | 1 | Pt V Line 1n |
| IRS990ScheduleR/Form990ScheduleRPartVII/Identifier | 2 | Pt V Line 1s |
| IRS990ScheduleR/GiftGrantOrCapContrFrOtherOrg | 0 | false |
| IRS990ScheduleR/GiftGrantOrCapContrToOtherOrg | 0 | false |
| IRS990ScheduleR/LoansOrGuaranteesFromOtherOrg | 0 | false |
| IRS990ScheduleR/LoansOrGuaranteesToOtherOrg | 0 | false |
| IRS990ScheduleR/OtherTransferFromOtherOrg | 0 | true |
| IRS990ScheduleR/OtherTransferToOtherOrg | 0 | false |
| IRS990ScheduleR/PerformOfServicesByOtherOrgs | 0 | true |
| IRS990ScheduleR/PerformOfServicesForOtherOrgs | 0 | false |
| IRS990ScheduleR/PurchaseOfAssetsFromOtherOrg | 0 | false |
| IRS990ScheduleR/ReceiptOfIntAnnRentsRoyalties | 0 | false |
| IRS990ScheduleR/ReimbursementPaidByOtherOrg | 0 | false |
| IRS990ScheduleR/ReimbursementPaidToOtherOrg | 0 | false |
| IRS990ScheduleR/RentalOfFacilitiesFrOtherOrgs | 0 | false |
| IRS990ScheduleR/RentalOfFacilitiesToOtherOrgs | 0 | false |
| IRS990ScheduleR/SaleOfAssetsToOtherOrg | 0 | false |
| IRS990ScheduleR/SharingOfFacilities | 0 | true |
| IRS990ScheduleR/SharingOfPaidEmployees | 0 | false |
| IRS990ScheduleR/TransactionsRelatedOrgsTable/AmountInvolved | 0 | 4237978 |
| IRS990ScheduleR/TransactionsRelatedOrgsTable/MethodOfAmtDetermination | 0 | FV all cash |
| IRS990ScheduleR/TransactionsRelatedOrgsTable/NameOfOtherOrganization/BusinessNameLine1 | 0 | HARBOR GROUP INC |
| IRS990ScheduleR/TransactionsRelatedOrgsTable/TransactionType | 0 | s |
| IRS990/School | 0 | false |
| IRS990/SignificantChange | 0 | false |
| IRS990/SignificantNewProgramServices | 0 | false |
| IRS990/StateLegalDomicile | 0 | IA |
| IRS990/SubjectToProxyTax | 0 | false |
| IRS990/TaxablePartyNotification | 0 | false |
| IRS990/TaxExemptBonds | 0 | false |
| IRS990/Terminated | 0 | false |
| IRS990/TermOrPermanentEndowments | 0 | false |
| IRS990/TheBooksAreInCareOf/AddressUS/AddressLine1 | 0 | 1520 NORTH MAIN |
| IRS990/TheBooksAreInCareOf/AddressUS/City | 0 | SIOUX CENTER |
| IRS990/TheBooksAreInCareOf/AddressUS/State | 0 | IA |
| IRS990/TheBooksAreInCareOf/AddressUS/ZIPCode | 0 | 512500260 |
| IRS990/TheBooksAreInCareOf/NameBusiness/BusinessNameLine1 | 0 | RON HEEMSTRA |
| IRS990/TheBooksAreInCareOf/TelephoneNumber | 0 | 7127221662 |
| IRS990/TotalAssets/BOY | 0 | 984656 |
| IRS990/TotalAssetsBOY | 0 | 984656 |
| IRS990/TotalAssets/EOY | 0 | 1094477 |
| IRS990/TotalAssetsEOY | 0 | 1094477 |
| IRS990/TotalCompGT150K | 0 | false |
| IRS990/TotalExpensesCurrentYear | 0 | 4459872 |
| IRS990/TotalExpensesPriorYear | 0 | 3826674 |
| IRS990/TotalFunctionalExpenses/ManagementAndGeneral | 0 | 249850 |
| IRS990/TotalFunctionalExpenses/ProgramServices | 0 | 4210022 |
| IRS990/TotalFunctionalExpenses/Total | 0 | 4459872 |
| IRS990/TotalFundrsngExpCurrentYear | 0 | 0 |
| IRS990/TotalGrossUBI | 0 | 0 |
| IRS990/TotalLiabilities/BOY | 0 | 945087 |
| IRS990/TotalLiabilitiesBOY | 0 | 945087 |
| IRS990/TotalLiabilities/EOY | 0 | 927000 |
| IRS990/TotalLiabilitiesEOY | 0 | 927000 |
| IRS990/TotalLiabNetAssetsFundBalances/BOY | 0 | 984656 |
| IRS990/TotalLiabNetAssetsFundBalances/EOY | 0 | 1094477 |
| IRS990/TotalNbrEmployees | 0 | 0 |
| IRS990/TotalNbrVolunteers | 0 | 0 |
| IRS990/TotalNetAssetsFundBalances/BOY | 0 | 39569 |
| IRS990/TotalNetAssetsFundBalances/EOY | 0 | 167477 |
| IRS990/TotalProfFundrsngExpCY | 0 | 0 |
| IRS990/TotalProgramServiceExpense | 0 | 4210022 |
| IRS990/TotalProgramServiceRevenue | 0 | 4585332 |
| IRS990/TotalRevenueCurrentYear | 0 | 4587780 |
| IRS990/TotalRevenue/ExclusionAmount | 0 | 2448 |
| IRS990/TotalRevenuePriorYear | 0 | 3850878 |
| IRS990/TotalRevenue/RelatedOrExemptFunctionIncome | 0 | 4585332 |
| IRS990/TotalRevenue/TotalRevenueColumn | 0 | 4587780 |
| IRS990/TransactionRelatedEntity | 0 | false |
| IRS990/TypeOfOrganizationTrust | 0 | X |
| IRS990/UnrelatedBusinessIncome | 0 | false |
| IRS990/UponRequest | 0 | X |
| IRS990/WebSite | 0 | N/A |
| IRS990/WhistleblowerPolicy | 0 | false |
| IRS990/YearFormation | 0 | 1984 |
| ReturnHeader/BuildTS | 0 | 2015-11-30 17:44:51Z |
| ReturnHeader/Filer/EIN | 0 | 426365229 |
| ReturnHeader/Filer/Name/BusinessNameLine1 | 0 | HARBOR GROUP INSURANCE TRUST |
| ReturnHeader/Filer/NameControl | 0 | HARB |
| ReturnHeader/Filer/Phone | 0 | 7127221660 |
| ReturnHeader/Filer/USAddress/AddressLine1 | 0 | PO BOX 260 |
| ReturnHeader/Filer/USAddress/City | 0 | SIOUX CENTER |
| ReturnHeader/Filer/USAddress/State | 0 | IA |
| ReturnHeader/Filer/USAddress/ZIPCode | 0 | 51250 |
| ReturnHeader/Officer/AuthorizeThirdParty | 0 | true |
| ReturnHeader/Officer/DateSigned | 0 | 2014-03-21 |
| ReturnHeader/Officer/Name | 0 | RONALD HEEMSTRA |
| ReturnHeader/Officer/Phone | 0 | 7127221660 |
| ReturnHeader/Officer/Title | 0 | TRUSTEE |
| ReturnHeader/PreparerFirm/PreparerFirmBusinessName/BusinessNameLine1 | 0 | NICHOLS RISE & COMPANY LLP |
| ReturnHeader/PreparerFirm/PreparerFirmUSAddress/AddressLine1 | 0 | 302 JONES ST SUITE 320 |
| ReturnHeader/PreparerFirm/PreparerFirmUSAddress/City | 0 | SIOUX CITY |
| ReturnHeader/PreparerFirm/PreparerFirmUSAddress/State | 0 | IA |
| ReturnHeader/PreparerFirm/PreparerFirmUSAddress/ZIPCode | 0 | 51101 |
| ReturnHeader/Preparer/Name | 0 | SCOTT BIEBER |
| ReturnHeader/Preparer/Phone | 0 | 7122524309 |
| ReturnHeader/ReturnType | 0 | 990 |
| ReturnHeader/TaxPeriodBeginDate | 0 | 2012-09-01 |
| ReturnHeader/TaxPeriodEndDate | 0 | 2013-08-31 |
| ReturnHeader/TaxYear | 0 | 2012 |
| ReturnHeader/Timestamp | 0 | 2014-03-24T13:29:32-07:00 |
No mirrored PDF or thumbnail assets are attached yet.
Displayed year
2013 • Form 990Facts available. Structured filing facts are available, but richer extracted sections are limited.