Civic Intelligence

Massachusetts Insurance Federation Inc

EIN 45-0507615 • 501(c)6 • Boston, MA

Profile

To foster a relationship of understanding and respect between the people and the government of massachusetts and the business of property and casualty insurance.

2 Center Plaza 8th FloorBoston, MA 02108-1904

n/A

Siviq Scores

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

Liabilities / Assets

69th percentile

0.18x

Higher debt load relative to assets than 69% of similar nonprofits.

501(c)6 • $500k-$1M nonprofits • Source year 2024

Liabilities / Revenue

75th percentile

0.24x

Higher debt load relative to revenue than 75% of similar nonprofits.

501(c)6 • $500k-$1M nonprofits • Source year 2024

Net Margin

72nd percentile

13%

Higher net margin than 72% of similar nonprofits.

501(c)6 • $500k-$1M nonprofits • Source year 2024

Top Officer Pay

98th percentile

$287,164

Higher top officer pay than 98% of similar nonprofits.

Top officer pay equals 49.8% of source-year revenue.

501(c)6 • $500k-$1M nonprofits • Source year 2024

Asset Growth

34th percentile

-1.6%

Faster asset growth than 34% of similar nonprofits.

501(c)6 • $500k-$1M nonprofits • Annualized from 2023 to 2024

Revenue Growth

35th percentile

-0.7%

Faster revenue growth than 35% of similar nonprofits.

501(c)6 • $500k-$1M nonprofits • Annualized from 2023 to 2024

Balance Sheet
Liabilities / Assets69th percentile

Assets

Down

$761,982

Down $12,288 (-1.6%) from 2023

Liabilities

Down

$135,882

Down $88,122 (-39%) from 2023

Net Assets

Up

$626,100

Up $75,834 (+14%) from 2023

Operations
Liabilities / Revenue75th percentileNet Margin72nd percentile

Revenue

Down

$576,973

Down $3,924 (-0.7%) from 2023

Expenses

Down

$501,139

Down $6,678 (-1.3%) from 2023

Net Income

Up

$75,834

Up $2,754 (+3.8%) from 2023

Trend Graphs

Balance Sheet Trend

Asset Growth34th percentile

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

$800K$600K$400K$200K$0Assets 2011: $397,434Liabilities 2011: $211,506Net Assets 2011: $185,9282011Assets 2012: $508,774Liabilities 2012: $313,242Net Assets 2012: $195,5322012Assets 2013: $408,134Liabilities 2013: $187,242Net Assets 2013: $220,8922013Assets 2014: $467,052Liabilities 2014: $225,592Net Assets 2014: $241,4602014Assets 2015: $515,965Liabilities 2015: $290,924Net Assets 2015: $225,0412015Assets 2016: $633,886Liabilities 2016: $327,882Net Assets 2016: $306,0042016Assets 2017: $682,506Liabilities 2017: $322,882Net Assets 2017: $359,6242017Assets 2018: $711,514Liabilities 2018: $290,882Net Assets 2018: $420,6322018Assets 2019: $627,579Liabilities 2019: $200,882Net Assets 2019: $426,6972019Assets 2020: $720,882Liabilities 2020: $285,882Net Assets 2020: $435,0002020Assets 2021: $608,138Liabilities 2021: $160,882Net Assets 2021: $447,2562021Assets 2022: $772,190Liabilities 2022: $296,004Net Assets 2022: $476,1862022Assets 2023: $774,270Liabilities 2023: $224,004Net Assets 2023: $550,2662023Assets 2024: $761,982Liabilities 2024: $135,882Net Assets 2024: $626,1002024

Highlighted filing

2024

Assets$761,982
Liabilities$135,882
Net Assets$626,100
Open 2024 Filing

Operations Trend

Revenue Growth35th percentile

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

$600K$400K$200K$0-$200KRevenue 2011: $543,913Expenses 2011: $510,908Net Income 2011: $33,0052011Revenue 2012: $501,026Expenses 2012: $491,422Net Income 2012: $9,6042012Revenue 2013: $538,766Expenses 2013: $513,406Net Income 2013: $25,3602013Revenue 2014: $543,455Expenses 2014: $522,887Net Income 2014: $20,5682014Revenue 2015: $547,321Expenses 2015: $563,740Net Income 2015: -$16,4192015Revenue 2016: $594,237Expenses 2016: $513,274Net Income 2016: $80,9632016Revenue 2017: $561,192Expenses 2017: $507,572Net Income 2017: $53,6202017Revenue 2018: $557,608Expenses 2018: $496,600Net Income 2018: $61,0082018Revenue 2019: $507,133Expenses 2019: $501,068Net Income 2019: $6,0652019Revenue 2020: $524,080Expenses 2020: $515,777Net Income 2020: $8,3032020Revenue 2021: $538,159Expenses 2021: $525,903Net Income 2021: $12,2562021Revenue 2022: $516,666Expenses 2022: $487,736Net Income 2022: $28,9302022Revenue 2023: $580,897Expenses 2023: $507,817Net Income 2023: $73,0802023Revenue 2024: $576,973Expenses 2024: $501,139Net Income 2024: $75,8342024

Highlighted filing

2024

Revenue$576,973
Expenses$501,139
Net Income$75,834
Open 2024 Filing

Filings

Most recent year

2024 • Form 990Facts available. Structured filing facts are available, but richer extracted sections are limited.

Open filing
Assets
$761,982
Liabilities
$135,882
Net assets
$626,100
Revenue
$576,973
Expenses
$501,139
Net income
$75,834
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Facts available. Structured filing facts are available, but richer extracted sections are limited.$7.62$1.36$6.26$5.77$5.01$0.76
2023XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$7.74$2.24$5.50$5.81$5.08$0.73
2022Detailed filing. Detailed filing data is available for this year.$7.72$2.96$4.76$5.17$4.88$0.29
2021Detailed filing. Detailed filing data is available for this year.$6.08$1.61$4.47$5.38$5.26$0.12
2020XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$7.21$2.86$4.35$5.24$5.16$0.08
2019Detailed filing. Detailed filing data is available for this year.$6.28$2.01$4.27$5.07$5.01$0.06
2018XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$7.12$2.91$4.21$5.58$4.97$0.61
2017XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$6.83$3.23$3.60$5.61$5.08$0.54
2016Detailed filing. Detailed filing data is available for this year.$6.34$3.28$3.06$5.94$5.13$0.81
2015XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$5.16$2.91$2.25$5.47$5.64$0.16
2014Summary only. Only limited summary data is available for this year.$4.67$2.26$2.41$5.43$5.23$0.21
2013Summary only. Only limited summary data is available for this year.$4.08$1.87$2.21$5.39$5.13$0.25
2012Summary only. Only limited summary data is available for this year.$5.09$3.13$1.96$5.01$4.91$0.10
2011Summary only. Only limited summary data is available for this year.$3.97$2.12$1.86$5.44$5.11$0.33
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2024 to Dec 31, 2024
Signed
Nov 17, 2025
Return Version
2024v5.2
Gross Receipts
$576,973
Mission and Program Overview

Mission

To foster a relationship of understanding and respect between the people and the government of massachusetts and the business of property and casualty insurance.

SEE SCHEDULE O

Balance Sheet Detail
LineBeginningEndChange
Assets
Rtn Earn Endowment Incm Other Fnds$550,266$626,100▲ $75,834
Savings and Temporary Cash Investments$691,666$593,849▼ $97,817
Cash and Non-Interest-Bearing Accounts$82,604$163,883▲ $81,279
Prepaid Expenses and Deferred Charges$0$4,250▲ $4,250
Accounts Receivable$0$0→ $0
Other Notes and Loans Receivable, Net$0$0→ $0
Pledges and Grants Receivable$0$0→ $0
Receivable From Disqualified Prsn$0$0→ $0
Receivables From Officers Etc$0$0→ $0
Investments Other Securities$0$0→ $0
Investments Program Related$0$0→ $0
Investments in Publicly Traded Securities$0$0→ $0
Land, Buildings, and Equipment, Net$0$0→ $0
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Intangible Assets$0$0→ $0
Inventories for Sale or Use$0$0→ $0
Loans From Officers Directors$0$0→ $0
Total Assets$774,270$761,982▼ $12,288
Other Assets Total$0$0→ $0
Liabilities
Deferred Revenue$223,122$135,000▼ $88,122
Accounts Payable and Accrued Expenses$882$882→ $0
Grants Payable$0$0→ $0
Mortgage Notes Payable Secured by Investment Property$0$0→ $0
Unsecured Notes Loans Payable$0$0→ $0
Other Liabilities$0$0→ $0
Escrow Account Liability$0$0→ $0
Tax Exempt Bond Liabilities$0$0→ $0
Total Liabilities$224,004$135,882▼ $88,122
Net Assets / Fund Balance
Total Net Assets Fund Balance$550,266$626,100▲ $75,834
Total Liabilities and Net Assets / Fund Balance$774,270$761,982▼ $12,288
Compensation and Service Providers
Top Officer Pay98th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Christopher S StarkExecutive DirectorFT$254,902$32,262$287,164

Board Members and Trustees

NameTitle
Samantha FreedmanPresident
Donald BaldiniVice President
Aaron MillerDirector
Angie NelsonDirector
Bill CahillDirector
Bill HollidayDirector
Courtney LarkinDirector
Dan LandersDirector
Diane ChapmanDirector
Dick WelchDirector
Harris BerensonDirector
Javier TapiaDirector
Jeff BeckDirector
Jennifer MorrisonDirector
John CerroneDirector
Joseph WhiteDirector
Kristi HolzerDirector
Lauren KavanaughDirector
Lindsay ScottDirector
Matthew LavigneDirector
Seth LamontDirector
Tom HambrickDirector
Tom HymanDirector
Julie M BowlerDiretor
Dan OlohanTreasurer/Clerk
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$556,622
Investment Income
$20,099
Other Revenue
$252
Change in Net Assets
$75,834
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Salaries, Compensation, and Employee Benefits$305,211
Other Expenses$194,928
Grants and Similar Amounts Paid$1,000
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Current Officers, Directors, Trustees, and Key Employees---$287,164
Fees for Services Lobbying---$149,000
Office Expenses---$25,199
Payroll Taxes---$18,047
Fees for Services Accounting---$10,708
Occupancy---$5,500
Fees for Services Legal---$2,000
Information Technology---$1,467
Grants to Domestic Orgs---$1,000
Other Expenses---$567
Fees for Services Other---$487
Total Functional Expenses$0$0$0$501,139
Fundraising, Events, and Gaming
Fundraising activities
No
Gaming activities
No
Professional fundraiser used
No

Fundraising and Gaming Totals

Line ItemAmount
Fundraising Direct Expenses$0
Fundraising Gross Income$0
Gaming Direct Expenses$0
Gaming Gross Income$0
Professional Fundraising Fees$0
Political and Lobbying Activity
Political campaign activity
No
In-house lobbying only
No
Subject to proxy tax
Yes

Reported Spending and Taxes

Line ItemAmount
Current Year Nondeductible Lobbying and Political Cost$273,250
Total Nondeductible Lobbying and Political Cost$273,250
Insider Transactions and Loans

Loans and Receivables

Line ItemBeginningEndChange
Loans from Officers, Directors, Trustees, and Key Employees$0$0→ $0
Receivables from Disqualified Persons$0$0→ $0
Receivables from Officers, Directors, Trustees, and Key Employees$0$0→ $0
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 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
Yes
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 6:

“The organization has members who pay dues annually.”

FORM 990, PART VI, SECTION A, LINE 7A:

“The members vote on the board of directors.”

FORM 990, PART VI, SECTION A, LINE 7B:

“The decisions of the board of directors are subject to approval by the members.”

FORM 990, PART VI, SECTION B, LINE 11B:

“A copy of this form 990 is provided to all officers and executive director before filing.”

FORM 990, PART VI, SECTION B, LINE 12C:

“Each officer, employee and board of director member shall annually review this policy, agree to comply with its terms, and disclose any personal or financial interests that might create a conflict of interest or appearance of impropriety.”

FORM 990, PART VI, SECTION B, LINE 15A:

“The compensation of the sole employee is reviewed using comparable compensation and approved by the executive committee.”

FORM 990, PART VI, SECTION C, LINE 19:

“Records available for inspection at corporate office upon arrangement of appointment with executive director.”

Filing and Contact Details

Filer

Filer Name
Massachusetts Insurance Federation Inc
EIN
45-0507615
In Care Of
% CHRISTOPHER STARK
Phone
6175575538
Address
2 Center Plaza 8th Floor, Boston, MA 02108-1904

Signing Officer

Name
Samantha Freedman
Title
President
Phone
6175575538
Signed
2025-11-17
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Samantha Freedman
Formed
2003
Legal Domicile
Ma
Voting Board Members
25
Independent Board Members
25
Employees
1
Volunteers
25

Preparer

Firm
Withumsmithbrownpc
Address
25 BURLINGTON MALL ROAD SUITE 350, BURLINGTON, MA 01803
Preparer
Jeffrey J Caruso
Phone
7813216065
Supplemental Narrative

Additional Explanations

FORM 990, PART I, LINE 1, DESCRIPTION OF ORGANIZATION MISSION:

“To foster a relationship of understanding and respect between the people and the government of mass. And the business of property and casualty insurance.”

Raw XML AppendixShowing 400 of 568 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
IRS990/AccountantCompileOrReviewInd0false
IRS990/AccountsPayableAccrExpnssGrp/BOYAmt0882
IRS990/AccountsPayableAccrExpnssGrp/EOYAmt0882
IRS990/AccountsReceivableGrp/BOYAmt00
IRS990/AccountsReceivableGrp/EOYAmt00
IRS990/ActivitiesConductedPrtshpInd0false
IRS990/ActivityOrMissionDesc0SEE SCHEDULE O
IRS990/AdvertisingGrp/TotalAmt00
IRS990/AnnualDisclosureCoveredPrsnInd0true
IRS990/BackupWthldComplianceInd0true
IRS990/BenefitsToMembersGrp/TotalAmt00
IRS990/BooksInCareOfDetail/PersonNm0CHRISTOPHER STARK
IRS990/BooksInCareOfDetail/PhoneNum06175575538
IRS990/BooksInCareOfDetail/USAddress/AddressLine1Txt02 CENTER PLAZA 8TH FLOOR
IRS990/BooksInCareOfDetail/USAddress/CityNm0BOSTON
IRS990/BooksInCareOfDetail/USAddress/StateAbbreviationCd0MA
IRS990/BooksInCareOfDetail/USAddress/ZIPCd002108
IRS990/BusinessRlnWith35CtrlEntInd0false
IRS990/BusinessRlnWithFamMemInd0false
IRS990/BusinessRlnWithOrgMemInd0false
IRS990/CapStkTrPrinCurrentFundsGrp/BOYAmt00
IRS990/CapStkTrPrinCurrentFundsGrp/EOYAmt00
IRS990/CashNonInterestBearingGrp/BOYAmt082604
IRS990/CashNonInterestBearingGrp/EOYAmt0163883
IRS990/ChangeToOrgDocumentsInd0false
IRS990/CntrctRcvdGreaterThan100KCnt00
IRS990/CollectionsOfArtInd0false
IRS990/CompCurrentOfcrDirectorsGrp/TotalAmt0287164
IRS990/CompDisqualPersonsGrp/TotalAmt00
IRS990/CompensationFromOtherSrcsInd0false
IRS990/CompensationProcessCEOInd0true
IRS990/CompensationProcessOtherInd0false
IRS990/ConferencesMeetingsGrp/TotalAmt00
IRS990/ConflictOfInterestPolicyInd0false
IRS990/ConservationEasementsInd0false
IRS990/ConsolidatedAuditFinclStmtInd0false
IRS990/CostOfGoodsSoldAmt00
IRS990/CreditCounselingInd0false
IRS990/CYBenefitsPaidToMembersAmt00
IRS990/CYContributionsGrantsAmt00
IRS990/CYGrantsAndSimilarPaidAmt01000
IRS990/CYInvestmentIncomeAmt020099
IRS990/CYOtherExpensesAmt0194928
IRS990/CYOtherRevenueAmt0252
IRS990/CYProgramServiceRevenueAmt0556622
IRS990/CYRevenuesLessExpensesAmt075834
IRS990/CYSalariesCompEmpBnftPaidAmt0305211
IRS990/CYTotalExpensesAmt0501139
IRS990/CYTotalFundraisingExpenseAmt00
IRS990/CYTotalProfFndrsngExpnsAmt00
IRS990/CYTotalRevenueAmt0576973
IRS990/DecisionsSubjectToApprovaInd0true
IRS990/DeductibleArtContributionInd0false
IRS990/DeductibleNonCashContriInd0false
IRS990/DeferredRevenueGrp/BOYAmt0223122
IRS990/DeferredRevenueGrp/EOYAmt0135000
IRS990/DelegationOfMgmtDutiesInd0false
IRS990/DepreciationDepletionGrp/TotalAmt00
IRS990/Desc0MEMBER MEETINGS TO DISCUSS ISSUES RELEVANT TO THE PROPERTY/CASUALTY INSURANCE INDUSTRY INCLUDING AUTO, HOMEOWNERS, WORKERS COMPENSATION, CORPORATE GOVERNANCE AND THE PRESERVATION OF COMPETITIVE MARKETS FOR ALL LINES OF INSURANCE.
IRS990/DescribedInSection501c3Ind0false
IRS990/DisregardedEntityInd0false
IRS990/DocumentRetentionPolicyInd0true
IRS990/DonorAdvisedFundInd0false
IRS990/DonorRstrOrQuasiEndowmentsInd0false
IRS990/ElectionOfBoardMembersInd0true
IRS990/EmployeeCnt01
IRS990/EmploymentTaxReturnsFiledInd0true
IRS990/EscrowAccountLiabilityGrp/BOYAmt00
IRS990/EscrowAccountLiabilityGrp/EOYAmt00
IRS990/FamilyOrBusinessRlnInd0false
IRS990/FederalGrantAuditRequiredInd0false
IRS990/FeesForServicesAccountingGrp/TotalAmt010708
IRS990/FeesForServicesLegalGrp/TotalAmt02000
IRS990/FeesForServicesLobbyingGrp/TotalAmt0149000
IRS990/FeesForServicesManagementGrp/TotalAmt00
IRS990/FeesForServicesOtherGrp/TotalAmt0487
IRS990/FeesForServicesProfFundraising/TotalAmt00
IRS990/FeesForSrvcInvstMgmntFeesGrp/TotalAmt00
IRS990/ForeignActivitiesInd0false
IRS990/ForeignFinancialAccountInd0false
IRS990/ForeignGrantsGrp/TotalAmt00
IRS990/ForeignOfficeInd0false
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