Civic Intelligence

Harbor Group Insurance Trust

990 • Fiscal year 2024 • EIN 42-6365229

Sep 01, 2023 to Aug 31, 2024 • Filed on Jun 26, 2025

Organization ProfileN/A
PO Box 260Sioux Center, IA 51250

(712) 722-1660

Siviq Scores

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

Liabilities / Assets

87th percentile

0.36x

Higher debt load relative to assets than 87% of similar nonprofits.

2024 filings • 501(c)9 • $10M-$25M nonprofits • Source year 2024

Liabilities / Revenue

68th percentile

0.10x

Higher debt load relative to revenue than 68% of similar nonprofits.

2024 filings • 501(c)9 • $10M-$25M nonprofits • Source year 2024

Net Margin

36th percentile

0.8%

Higher net margin than 36% of similar nonprofits.

2024 filings • 501(c)9 • $10M-$25M nonprofits • Source year 2024

Top Officer Pay

47th percentile

$0

Higher top officer pay than 47% of similar nonprofits.

Top officer pay equals 0.0% of source-year revenue.

2024 filings • 501(c)9 • $10M-$25M nonprofits • Source year 2024

Asset Growth

97th percentile

58%

Faster asset growth than 97% of similar nonprofits.

2024 filings • 501(c)9 • $10M-$25M nonprofits • Annualized from 2023 to 2024

Revenue Growth

63rd percentile

13%

Faster revenue growth than 63% of similar nonprofits.

2024 filings • 501(c)9 • $10M-$25M nonprofits • Annualized from 2023 to 2024

Balance Sheet
Liabilities / Assets87th percentile

Assets

Up

$3,847,073

Up $1,415,790 (+58%) from 2023

Net Assets

Up

$2,466,370

Up $113,524 (+4.8%) from 2023

Liabilities

Up

$1,380,703

Up $1,302,266 (+1660%) from 2023

Revenue And Expenses
Liabilities / Revenue68th percentileNet Margin36th percentile

Revenue

Up

$14,448,922

Up $1,669,941 (+13%) from 2023

Expenses

Up

$14,335,398

Up $2,028,196 (+16%) from 2023

Net Income

Down

$113,524

Down $358,255 (-76%) from 2023

Historical Trend

Balance Sheet Trend

Asset Growth97th percentile

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

$4.0M$3.0M$2.0M$1.0M$0Assets 2011: $1,063,365Liabilities 2011: $1,048,000Net Assets 2011: $15,3652011Assets 2012: $984,656Liabilities 2012: $945,087Net Assets 2012: $39,5692012Assets 2013: $1,094,477Liabilities 2013: $927,000Net Assets 2013: $167,4772013Assets 2014: $1,394,505Liabilities 2014: $779,000Net Assets 2014: $615,5052014Assets 2015: $1,845,050Liabilities 2015: $49,861Net Assets 2015: $1,795,1892015Assets 2016: $877,903Liabilities 2016: $87,374Net Assets 2016: $790,5292016Assets 2017: $896,195Liabilities 2017: $242,812Net Assets 2017: $653,3832017Assets 2018: $776,515Liabilities 2018: $212,941Net Assets 2018: $563,5742018Assets 2019: $675,620Liabilities 2019: $254,138Net Assets 2019: $421,4822019Assets 2020: $1,133,978Liabilities 2020: $100,725Net Assets 2020: $1,033,2532020Assets 2021: $1,977,481Liabilities 2021: $69,765Net Assets 2021: $1,907,7162021Assets 2022: $2,228,974Liabilities 2022: $347,907Net Assets 2022: $1,881,0672022Assets 2023: $2,431,283Liabilities 2023: $78,437Net Assets 2023: $2,352,8462023Assets 2024: $3,847,073Liabilities 2024: $1,380,703Net Assets 2024: $2,466,3702024

Highlighted filing

2024

Assets$3,847,073
Liabilities$1,380,703
Net Assets$2,466,370
Open 2024 Filing

Operations Trend

Revenue Growth63rd percentile

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

$15M$10M$5.0M$0-$5.0MRevenue 2011: $3,919,864Expenses 2011: $4,034,974Net Income 2011: -$115,1102011Revenue 2012: $3,850,878Expenses 2012: $3,826,674Net Income 2012: $24,2042012Expenses 2013: $4,459,8722013Revenue 2014: $5,737,897Expenses 2014: $5,289,869Net Income 2014: $448,0282014Revenue 2015: $4,370,522Expenses 2015: $3,969,838Net Income 2015: $400,6842015Revenue 2016: $3,517,987Expenses 2016: $4,522,647Net Income 2016: -$1,004,6602016Revenue 2017: $5,196,405Expenses 2017: $5,333,551Net Income 2017: -$137,1462017Revenue 2018: $6,293,751Expenses 2018: $6,383,560Net Income 2018: -$89,8092018Revenue 2019: $7,743,356Expenses 2019: $7,885,448Net Income 2019: -$142,0922019Revenue 2020: $10,456,602Expenses 2020: $9,844,831Net Income 2020: $611,7712020Revenue 2021: $10,385,047Expenses 2021: $9,510,584Net Income 2021: $874,4632021Revenue 2022: $10,658,848Expenses 2022: $10,685,497Net Income 2022: -$26,6492022Revenue 2023: $12,778,981Expenses 2023: $12,307,202Net Income 2023: $471,7792023Revenue 2024: $14,448,922Expenses 2024: $14,335,398Net Income 2024: $113,5242024

Highlighted filing

2024

Revenue$14,448,922
Expenses$14,335,398
Net Income$113,524
Open 2024 Filing
Jump To
Filing Snapshot
Filing Period
Sep 1, 2023 to Aug 31, 2024
Signed
Jun 26, 2025
Return Version
2023v6.0
Gross Receipts
$14,448,922
Mission and Program Overview

Mission

To effectuate employee health, dental, vision, lt and st disability & death benefits for employees & eligible dependents.

Health, dental, vision, lt & st disability & death benefits for employees and eligible dependents.

Balance Sheet Detail
LineBeginningEndChange
Assets
Savings and Temporary Cash Investments$2,121,556$3,426,021▲ $1,304,465
Rtn Earn Endowment Incm Other Fnds$2,352,846$2,466,370▲ $113,524
Accounts Receivable-$80,981-
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$2,431,283$3,847,073▲ $1,415,790
Other Assets Total$309,727$340,071▲ $30,344
Liabilities
Accounts Payable and Accrued Expenses$78,437$1,380,703▲ $1,302,266
Total Liabilities$78,437$1,380,703▲ $1,302,266
Net Assets / Fund Balance
Total Net Assets Fund Balance$2,352,846$2,466,370▲ $113,524
Total Liabilities and Net Assets / Fund Balance$2,431,283$3,847,073▲ $1,415,790

Asset Categories

AssetBook ValueDepreciationBasis
Other Assets Org$340,071--
Compensation and Service Providers
Top Officer Pay47th percentile

Board Members and Trustees

NameTitle
Eric JensenHr Director
Sharon Ammons-fiekemaAccounting Manager
Joel Van EgdomCFO

Highest Paid Contractors

ContractorServicesLocationCompensation
Wellmark Blue Cross And Blue Shield Of IAdministrative FeesPO BOX 9124, Des Moines, IA 50306-9124$540,258
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$14,418,657
Investment Income
$30,265
Other Revenue
$0
Change in Net Assets
$113,524

Audited Revenue Reconciliation

Revenue per Audited Statements
$14,448,922
Revenue Not Reported on Financial Statements
$0
Revenue Not Reported on Form 990
$0
Total Revenue per Audited Statements
$14,448,922
Total Revenue per Form 990
$14,448,922
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$3,010,685
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
Benefits to Members---$11,324,713
Fees for Services Other---$903,824
Other Expenses---$755
Total Functional Expenses$0$0$0$14,335,398

Audited Expense Reconciliation

Line ItemAmount
Expenses per Audited Statements$14,335,398
Total Expenses per Audited Statements$14,335,398
Total Expenses per Form 990$14,335,398
Expenses Not Reported on Financial Statements$0
Expenses Not Reported on Form 990$0
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
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
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
No
Audited financial statements prepared
No
Key decisions subject to board approval
Yes
Management duties delegated
No

Governance Explanations

Form 990, Part VI, Section A, Line 2

“Joel van egdom has a business relationship wtih sharon ammons-fiekema and eric jensen.”

Form 990, Part VI, Section A, Line 6

“This is a trust established by harbor group, inc. And interstates construction services, inc. And its affiliates.”

Form 990, Part VI, Section A, Line 7A

“The company may remove and appoint trustees.”

Form 990, Part VI, Section A, Line 7B

“Termination of the trust, or removal of a trustee must be approved by the company.”

Form 990, Part VI, Section A, Line 8B

“There are no committees with the authority to act on behalf of the board.”

Form 990, Part VI, Section B, Line 11B

“The trustees review the form 990 prior to filing.”

Form 990, Part VI, Section B, Line 15

“The trust does not compensate any of the trustees.”

Form 990, Part VI, Section C, Line 19

“The governing documents and financial statements are not available for public inspection.”

Filing and Contact Details

Filer

Filer Name
Harbor Group Insurance Trust
EIN
42-6365229
Phone
7127221660
Address
PO BOX 260, SIOUX CENTER, IA 51250

Signing Officer

Name
Joel Van Egdom
Title
CFO
Phone
7127221660
Signed
2025-06-26
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Joel Van Egdom
Formed
1984
Legal Domicile
Ia
Voting Board Members
3
Independent Board Members
3
Employees
0
Volunteers
3

Preparer

Firm
Eide Bailly Llp
Address
345 N REID PL STE 400, SIOUX FALLS, SD 57103-7034
Preparer
Laurie Hanson CPA
Phone
6053391999
Supplemental Narrative

Financial Statement Notes

PART X, LINE 2:

“Accounting principles generally accepted in the united states of america require plan management to evaluate tax positions taken by the plan and recognize a tax liability (or asset) if the plan has taken an uncertain tax position that more likely than not would not be sustained upon examination by the internal revenue service. The plan is subject to routine audits by taxing jurisdictions; however, there are currently no audits for any tax periods in progress.”

Raw XML Appendix382 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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IRS990/Desc0THE PLAN PROVIDES HEALTH, PRESCRIPTION DRUG, DENTAL, VISION, LONG-TERM AND SHORT-TERM DISABILITY, DEPENDENT CARE AND MEDICAL EXPENSE REIMBURSEMENT, IDENTITY PROTECTION MONITORING, AND LIFE, CANCER, ACCIDENT, AND ACCIDENTAL DEATH AND DISMEMBERMENT INSURANCE BENEFITS COVERING ELIGIBLE EMPLOYEES OF HARBOR GROUP, INC. AND ITS SUBSIDIARIES. THERE WERE 1,106 ACTIVE PARTICIPANTS IN THE PLAN AND 7 RETIRED OR SEPARATED PARTICIPANTS RECEIVING BENEFITS AT YEAR END.
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IRS990/Form990PartVIISectionAGrp/PersonNm1SHARON AMMONS-FIEKEMA
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IRS990/Form990PartVIISectionAGrp/TitleTxt1ACCOUNTING MANAGER
IRS990/Form990PartVIISectionAGrp/TitleTxt2HR DIRECTOR
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IRS990ScheduleD/SupplementalInformationDetail/ExplanationTxt0ACCOUNTING PRINCIPLES GENERALLY ACCEPTED IN THE UNITED STATES OF AMERICA REQUIRE PLAN MANAGEMENT TO EVALUATE TAX POSITIONS TAKEN BY THE PLAN AND RECOGNIZE A TAX LIABILITY (OR ASSET) IF THE PLAN HAS TAKEN AN UNCERTAIN TAX POSITION THAT MORE LIKELY THAN NOT WOULD NOT BE SUSTAINED UPON EXAMINATION BY THE INTERNAL REVENUE SERVICE. THE PLAN IS SUBJECT TO ROUTINE AUDITS BY TAXING JURISDICTIONS; HOWEVER, THERE ARE CURRENTLY NO AUDITS FOR ANY TAX PERIODS IN PROGRESS.
IRS990ScheduleD/SupplementalInformationDetail/FormAndLineReferenceDesc0PART X, LINE 2:
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IRS990/ScheduleJRequiredInd00
IRS990/ScheduleORequiredInd01
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0JOEL VAN EGDOM HAS A BUSINESS RELATIONSHIP WTIH SHARON AMMONS-FIEKEMA AND ERIC JENSEN.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1THIS IS A TRUST ESTABLISHED BY HARBOR GROUP, INC. AND INTERSTATES CONSTRUCTION SERVICES, INC. AND ITS AFFILIATES.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2THE COMPANY MAY REMOVE AND APPOINT TRUSTEES.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3TERMINATION OF THE TRUST, OR REMOVAL OF A TRUSTEE MUST BE APPROVED BY THE COMPANY.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4THERE ARE NO COMMITTEES WITH THE AUTHORITY TO ACT ON BEHALF OF THE BOARD.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5THE TRUSTEES REVIEW THE FORM 990 PRIOR TO FILING.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6THE TRUST DOES NOT COMPENSATE ANY OF THE TRUSTEES.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt7THE GOVERNING DOCUMENTS AND FINANCIAL STATEMENTS ARE NOT AVAILABLE FOR PUBLIC INSPECTION.
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0FORM 990, PART VI, SECTION A, LINE 2
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1FORM 990, PART VI, SECTION A, LINE 6
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2FORM 990, PART VI, SECTION A, LINE 7A
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3FORM 990, PART VI, SECTION A, LINE 7B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4FORM 990, PART VI, SECTION A, LINE 8B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5FORM 990, PART VI, SECTION B, LINE 11B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc6FORM 990, PART VI, SECTION B, LINE 15
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc7FORM 990, PART VI, SECTION C, LINE 19
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IRS990ScheduleR/IdRelatedOrgTxblCorpTrGrp/ControlledOrganizationInd50
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IRS990ScheduleR/IdRelatedOrgTxblCorpTrGrp/LegalDomicileStateCd4IA
IRS990ScheduleR/IdRelatedOrgTxblCorpTrGrp/LegalDomicileStateCd5IA
IRS990ScheduleR/IdRelatedOrgTxblCorpTrGrp/PrimaryActivitiesTxt0ELECTRICAL CONTRACTING
IRS990ScheduleR/IdRelatedOrgTxblCorpTrGrp/PrimaryActivitiesTxt1PARENT COMPANY
IRS990ScheduleR/IdRelatedOrgTxblCorpTrGrp/PrimaryActivitiesTxt2ELECTRICAL ENGINEERING
IRS990ScheduleR/IdRelatedOrgTxblCorpTrGrp/PrimaryActivitiesTxt3INACTIVE
IRS990ScheduleR/IdRelatedOrgTxblCorpTrGrp/PrimaryActivitiesTxt4AUTO AND AIRPLANE LEASING
IRS990ScheduleR/IdRelatedOrgTxblCorpTrGrp/PrimaryActivitiesTxt5INACTIVE
IRS990ScheduleR/IdRelatedOrgTxblCorpTrGrp/RelatedOrganizationName/BusinessNameLine1Txt0INTERSTATES INC
IRS990ScheduleR/IdRelatedOrgTxblCorpTrGrp/RelatedOrganizationName/BusinessNameLine1Txt1HARBOR GROUP INC
IRS990ScheduleR/IdRelatedOrgTxblCorpTrGrp/RelatedOrganizationName/BusinessNameLine1Txt2INTERSTATE ENGINEERING INC
IRS990ScheduleR/IdRelatedOrgTxblCorpTrGrp/RelatedOrganizationName/BusinessNameLine1Txt3INTERSTATES CONTROL SYSTEMS INC
IRS990ScheduleR/IdRelatedOrgTxblCorpTrGrp/RelatedOrganizationName/BusinessNameLine1Txt4IEEC TRANSPORTATION & LEASING CO
IRS990ScheduleR/IdRelatedOrgTxblCorpTrGrp/RelatedOrganizationName/BusinessNameLine1Txt5INTERFAB LLC
IRS990ScheduleR/IdRelatedOrgTxblCorpTrGrp/USAddress/AddressLine1Txt0PO BOX 260 1400 7TH AVE NE
IRS990ScheduleR/IdRelatedOrgTxblCorpTrGrp/USAddress/AddressLine1Txt1PO BOX 260 1400 7TH AVE NE
IRS990ScheduleR/IdRelatedOrgTxblCorpTrGrp/USAddress/AddressLine1Txt2PO BOX 260 1400 7TH AVE NE
IRS990ScheduleR/IdRelatedOrgTxblCorpTrGrp/USAddress/AddressLine1Txt3PO BOX 260 1400 7TH AVE NE
IRS990ScheduleR/IdRelatedOrgTxblCorpTrGrp/USAddress/AddressLine1Txt4PO BOX 260 1400 7TH AVE NE
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IRS990ScheduleR/PaidEmployeesSharingInd00
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IRS990ScheduleR/RentalOfFacilitiesToOthOrgInd00
IRS990ScheduleR/RentalOfFcltsFromOthOrgInd00
IRS990ScheduleR/SharingOfFacilitiesInd00
IRS990ScheduleR/SupplementalInformationDetail/ExplanationTxt0THE FOLLOWING CORPORATIONS BECAME INACTIVE EFFECTIVE JANUARY 1, 2020: INTERSTATES CONTROL SYSTEM, INC. INTERFAB, LLC
IRS990ScheduleR/SupplementalInformationDetail/FormAndLineReferenceDesc0SCHEDULE R, PART IV
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IRS990/SubjectToExcsTaxNetInvstIncInd00
IRS990/SubjectToProxyTaxInd00
IRS990/SubjToTaxRmnrtnExPrchtPymtInd00
IRS990/TaxablePartyNotificationInd00
IRS990/TaxExemptBondsInd00
IRS990/TerminateOperationsInd00
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IRS990/WebsiteAddressTxt0N/A
IRS990/WhistleblowerPolicyInd00
ReturnHeader/BuildTS02025-03-06 01:10:19Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd01
ReturnHeader/BusinessOfficerGrp/PersonNm0JOEL VAN EGDOM
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0CFO
ReturnHeader/BusinessOfficerGrp/PhoneNum07127221660
ReturnHeader/BusinessOfficerGrp/SignatureDt02025-06-26
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0HARBOR GROUP INSURANCE TRUST
ReturnHeader/Filer/BusinessNameControlTxt0HARB
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ReturnHeader/Filer/PhoneNum07127221660
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ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt0EIDE BAILLY LLP
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt0345 N REID PL STE 400
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm0SIOUX FALLS
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ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCd0571037034
ReturnHeader/PreparerPersonGrp/PhoneNum06053391999
ReturnHeader/PreparerPersonGrp/PreparationDt02025-06-25
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0LAURIE HANSON CPA
ReturnHeader/ReturnTs02025-07-08T08:57:10-05:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02023-09-01
ReturnHeader/TaxPeriodEndDt02024-08-31
ReturnHeader/TaxYr02023

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

Displayed year

2024 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$3,847,073
Liabilities
$1,380,703
Net assets
$2,466,370
Revenue
$14,448,922
Expenses
$14,335,398
Net income
$113,524
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Detailed filing. Detailed filing data is available for this year.$3.85$1.38$2.47$14.4$14.3$0.11
2023Summary only. Only limited summary data is available for this year.$2.43$0.08$2.35$12.8$12.3$0.47
2022XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$2.23$0.35$1.88$10.7$10.7$0.03
2021XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$1.98$0.07$1.91$10.4$9.51$0.87
2020XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$1.13$0.10$1.03$10.5$9.84$0.61
2019XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$0.68$0.25$0.42$7.74$7.89$0.14
2018Facts available. Structured filing facts are available, but richer extracted sections are limited.$0.78$0.21$0.56$6.29$6.38$0.09
2017XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$0.90$0.24$0.65$5.20$5.33$0.14
2016Detailed filing. Detailed filing data is available for this year.$0.88$0.09$0.79$3.52$4.52$1.00
2015Detailed filing. Detailed filing data is available for this year.$1.85$0.05$1.80$4.37$3.97$0.40
2014Detailed filing. Detailed filing data is available for this year.$1.39$0.78$0.62$5.74$5.29$0.45
2013Facts available. Structured filing facts are available, but richer extracted sections are limited.$1.09$0.93$0.17$4.46
2012Summary only. Only limited summary data is available for this year.$0.98$0.95$0.04$3.85$3.83$0.02
2011Summary only. Only limited summary data is available for this year.$1.06$1.05$0.02$3.92$4.03$0.12