Civic Intelligence

Private Risk Management Association

990 • Fiscal year 2015 • EIN 46-2430573

Jan 01, 2015 to Dec 31, 2015 • Filed on May 15, 2016

Organization ProfileN/A

View Organization Page

PO Box 9208Fall River, MA 02720

(917) 769-4759

Siviq Scores

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

Liabilities / Assets

82nd percentile

0.23x

Higher debt load relative to assets than 82% of similar nonprofits.

2015 filings • 501(c)6 • <$500k nonprofits • Source year 2015

Liabilities / Revenue

78th percentile

0.10x

Higher debt load relative to revenue than 78% of similar nonprofits.

2015 filings • 501(c)6 • <$500k nonprofits • Source year 2015

Net Margin

64th percentile

7.9%

Higher net margin than 64% of similar nonprofits.

2015 filings • 501(c)6 • <$500k nonprofits • Source year 2015

Top Officer Pay

91st percentile

$69,230

Higher top officer pay than 91% of similar nonprofits.

Top officer pay equals 15.4% of source-year revenue.

2015 filings • 501(c)6 • <$500k nonprofits • Source year 2015

Asset Growth

83rd percentile

29%

Faster asset growth than 83% of similar nonprofits.

2015 filings • 501(c)6 • <$500k nonprofits • Annualized from 2014 to 2015

Revenue Growth

94th percentile

68%

Faster revenue growth than 94% of similar nonprofits.

2015 filings • 501(c)6 • <$500k nonprofits • Annualized from 2014 to 2015

Balance Sheet
Liabilities / Assets82nd percentile

Assets

Up

$206,485

Up $46,346 (+29%) from 2014

Net Assets

Up

$159,828

Up $35,589 (+29%) from 2014

Liabilities

Up

$46,657

Up $10,757 (+30%) from 2014

Revenue And Expenses
Liabilities / Revenue78th percentileNet Margin64th percentile

Revenue

Up

$450,000

Up $181,355 (+68%) from 2014

Expenses

Up

$414,411

Up $270,005 (+187%) from 2014

Net Income

Down

$35,589

Down $88,650 (-71%) from 2014

Historical Trend

Balance Sheet Trend

Asset Growth83rd percentile

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

$1.5M$1.0M$500K$0Assets 2013: $1Liabilities 2013: $02013Assets 2014: $160,139Liabilities 2014: $35,900Net Assets 2014: $124,2392014Assets 2015: $206,485Liabilities 2015: $46,657Net Assets 2015: $159,8282015Assets 2016: $130,419Liabilities 2016: $7,860Net Assets 2016: $122,5592016Assets 2017: $277,031Liabilities 2017: $115,916Net Assets 2017: $161,1152017Assets 2018: $304,046Liabilities 2018: $147,471Net Assets 2018: $156,5752018Assets 2019: $357,327Liabilities 2019: $163,173Net Assets 2019: $194,1542019Assets 2020: $584,851Liabilities 2020: $197,143Net Assets 2020: $387,7082020Assets 2021: $722,582Liabilities 2021: $227,283Net Assets 2021: $495,2992021Assets 2022: $731,024Liabilities 2022: $152,099Net Assets 2022: $578,9252022Assets 2023: $1,011,913Liabilities 2023: $246,277Net Assets 2023: $765,6362023Assets 2024: $1,295,190Liabilities 2024: $220,971Net Assets 2024: $1,074,2192024

Highlighted filing

2015

Assets$206,485
Liabilities$46,657
Net Assets$159,828
Open 2015 Filing

Operations Trend

Revenue Growth94th percentile

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

$3.0M$2.0M$1.0M$0-$1.0MRevenue 2013: $0Expenses 2013: $0Net Income 2013: $02013Revenue 2014: $268,645Expenses 2014: $144,406Net Income 2014: $124,2392014Revenue 2015: $450,000Expenses 2015: $414,411Net Income 2015: $35,5892015Revenue 2016: $671,249Expenses 2016: $708,518Net Income 2016: -$37,2692016Revenue 2017: $755,779Expenses 2017: $716,973Net Income 2017: $38,8062017Revenue 2018: $832,456Expenses 2018: $836,996Net Income 2018: -$4,5402018Revenue 2019: $913,708Expenses 2019: $835,744Net Income 2019: $77,9642019Revenue 2020: $835,651Expenses 2020: $691,340Net Income 2020: $144,3112020Revenue 2021: $1,050,212Expenses 2021: $886,371Net Income 2021: $163,8412021Revenue 2022: $1,246,726Expenses 2022: $1,148,517Net Income 2022: $98,2092022Revenue 2023: $1,610,868Expenses 2023: $1,424,157Net Income 2023: $186,7112023Revenue 2024: $2,042,094Expenses 2024: $1,733,680Net Income 2024: $308,4142024

Highlighted filing

2015

Revenue$450,000
Expenses$414,411
Net Income$35,589
Open 2015 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2015 to Dec 31, 2015
Signed
May 15, 2016
Return Version
2015v2.1
Gross Receipts
$450,000
Mission and Program Overview

Mission

The mission of prma is to improve advice, coverage and service provided to the high net worth insurance consumer through education and increased awareness.

Balance Sheet Detail
LineBeginningEndChange
Assets
Cash and Non-Interest-Bearing Accounts$160,139$194,235▲ $34,096
Rtn Earn Endowment Incm Other Fnds$124,239$159,828▲ $35,589
Accounts Receivable-$12,250-
Total Assets$160,139$206,485▲ $46,346
Liabilities
Deferred Revenue$31,700$45,500▲ $13,800
Accounts Payable and Accrued Expenses$4,200$1,157▼ $3,043
Total Liabilities$35,900$46,657▲ $10,757
Net Assets / Fund Balance
Total Net Assets Fund Balance$124,239$159,828▲ $35,589
Total Liabilities and Net Assets / Fund Balance$160,139$206,485▲ $46,346
Compensation and Service Providers
Top Officer Pay91st percentile

Employees

NameTitleFull / Part TimeBaseTotal
Lisa a LindsayExecutive Director & TrusteeFT$69,230$69,230

Board Members and Trustees

NameTitle
James P KanePresident & Trustee
Gary J PasternackSecretary & Trustee
Ray CeledinasTreasurer & Trustee
Christopher PeterieTrustee
James WilliamsonTrustee
Julius AndersonTrustee
Robert CourtmancheTrustee
Ross BuchmuellerTrustee
Susan Ogrodnik SmithTrustee
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$449,771
Investment Income
$229
Other Revenue
$0
Change in Net Assets
$35,589
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$332,285
Salaries, Compensation, and Employee Benefits$82,126
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
All Other Expenses$158,722$2,198-$160,920
Conferences and Meetings$118,396--$118,396
Current Officers, Directors, Trustees, and Key Employees$64,038$5,192-$69,230
Fees for Services Accounting$15,947$6,928-$22,875
Travel$10,731$480-$11,211
Fees for Services Legal$5,338$2,711-$8,049
Other Employee Benefits$6,791$307-$7,098
Insurance$6,858$190-$7,048
Payroll Taxes$5,510$288-$5,798
Office Expenses$3,713$73-$3,786
Total Functional Expenses$396,044$18,367$0$414,411
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
Lobbying activity
No
Subject to proxy tax
No
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
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
No
Management duties delegated
No
Filing and Contact Details

Filer

Filer Name
Private Risk Management Association
EIN
46-2430573
Phone
9177694759
Address
PO Box 9208, Fall River, MA 02720

Signing Officer

Name
Lisa a Lindsay
Title
Executive Director
Phone
9177694759
Signed
2016-05-15
Discuss with paid preparer
Yes

Organization Details

Formed
2013
Legal Domicile
Ma
Voting Board Members
10
Independent Board Members
0
Employees
1
Volunteers
9

Preparer

Firm
Lisa A Brown and Associates LLC
Address
84 N Main St, Fall River, MA 02720
Preparer
Lisa a Brown
Phone
5085673226
Supplemental Narrative

Additional Explanations

Pt VI, Line 11B

“Board of trustees receive a copy of completed and confirmed by the executive director tax return 990 prior to it being submitted.”

Form 990, Part IX, Line 24E

“Merchant credit card fees 9613. 8961. 652.”

Form 990, Part IX, Line 24E

“BANK CHARGES 176. 176.”

Form 990, Part IX, Line 24E

“Payroll service fees 608. 576. 32.”

Form 990, Part IX, Line 24E

“Online service fees 2877. 2326. 551.”

Form 990, Part IX, Line 24E

“Website expense 6716. 6716.”

Form 990, Part IX, Line 24E

“Cpria curriculum materials 3500. 3500.”

Form 990, Part IX, Line 24E

“Educational consulting 136643. 136643.”

Form 990, Part IX, Line 24E

“Meals & entertainment 98. 98.”

Form 990, Part IX, Line 24E

“Professional development 350. 350.”

Form 990, Part IX, Line 24E

“Taxes & licenses 339. 339.”

Raw XML Appendix329 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/PersonNm5SUSAN OGRODNIK SMITH
IRS990/Form990PartVIISectionAGrp/PersonNm6ROBERT COURTMANCHE
IRS990/Form990PartVIISectionAGrp/PersonNm7CHRISTOPHER PETERIE
IRS990/Form990PartVIISectionAGrp/PersonNm8JAMES WILLIAMSON
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IRS990/Form990PartVIISectionAGrp/TitleTxt0EXECUTIVE DIRECTOR & TRUSTEE
IRS990/Form990PartVIISectionAGrp/TitleTxt1TREASURER & TRUSTEE
IRS990/Form990PartVIISectionAGrp/TitleTxt2TRUSTEE
IRS990/Form990PartVIISectionAGrp/TitleTxt3PRESIDENT & TRUSTEE
IRS990/Form990PartVIISectionAGrp/TitleTxt4SECRETARY & TRUSTEE
IRS990/Form990PartVIISectionAGrp/TitleTxt5TRUSTEE
IRS990/Form990PartVIISectionAGrp/TitleTxt6TRUSTEE
IRS990/Form990PartVIISectionAGrp/TitleTxt7TRUSTEE
IRS990/Form990PartVIISectionAGrp/TitleTxt8TRUSTEE
IRS990/Form990PartVIISectionAGrp/TitleTxt9TRUSTEE
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IRS990/ProgramServiceRevenueGrp/Desc0MEMBERSHIP FEES
IRS990/ProgramServiceRevenueGrp/Desc1SPONSORSHIPS
IRS990/ProgramServiceRevenueGrp/Desc2SUMMIT REVENUES
IRS990/ProgramServiceRevenueGrp/Desc3CPRIA EDUCATION REVENUES
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IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt150000
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt2150241
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt390730
IRS990/ProgSrvcAccomActy2Grp/Desc0CPRIA CERTIFICATION PROGRAM - ROLLED OUT THIS YEAR AS PLANNED. PRMA OFFERS AN ONLINE EDUCATION SITE WHERE MEMBERS WILL TAKE A SERIES OF COURSES THAT, UPON COMPLETION, RESULT IN A NEW CERTIFICATION, CPRIA, IN THE SPECIALIZED FIELD OF THE HNW (HIGH NET WORTH)INSURANCE INDUSTRY. THIS INDUSTRY CERTIFICATION PROGRAM CONTINES TO BE DEVELOPED IN CONJUNCTION WITH ST. JOHN'S UNIVERSITY'S SCHOOL OF RISK MANAGEMENT , CENTER FOR PROFESSIONAL DEVELOPMENT.
IRS990/ProgSrvcAccomActy3Grp/Desc0ANNUAL SUMMIT - NOVEMBER 2014 MARKED THE FIRST ANNUAL PRMA SUMMIT CONFERENCE, A TWO-DAY CONFERENCE WITH LECTURES AND INFORMATIONAL EVENTS GEARED TOWARDS PROVIDING QUALITY EDUCATION AND A CHANCE FOR MEMBERS TO MEET THE TRUSTEES AS WELL AS EACH OTHER IN PERSON, FORMING A STRONG COMMUNITY BOND WITHIN THE ORGANIZATION AND ITS MEMBERS. THIS YEAR THE SECOND ANNUAL PRMA SUMMIT WAS HELD AND FILLED TO CAPACITY.
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IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0BOARD OF TRUSTEES RECEIVE A COPY OF COMPLETED AND CONFIRMED BY THE EXECUTIVE DIRECTOR TAX RETURN 990 PRIOR TO IT BEING SUBMITTED.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1MERCHANT CREDIT CARD FEES 9613. 8961. 652.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2BANK CHARGES 176. 176.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3PAYROLL SERVICE FEES 608. 576. 32.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4ONLINE SERVICE FEES 2877. 2326. 551.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5WEBSITE EXPENSE 6716. 6716.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6CPRIA CURRICULUM MATERIALS 3500. 3500.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt7EDUCATIONAL CONSULTING 136643. 136643.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt8MEALS & ENTERTAINMENT 98. 98.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt9PROFESSIONAL DEVELOPMENT 350. 350.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt10TAXES & LICENSES 339. 339.
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0Pt VI, Line 11b
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1Form 990, Part IX, Line 24e
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2Form 990, Part IX, Line 24e
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3Form 990, Part IX, Line 24e
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4Form 990, Part IX, Line 24e
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5Form 990, Part IX, Line 24e
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc6Form 990, Part IX, Line 24e
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc7Form 990, Part IX, Line 24e
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc8Form 990, Part IX, Line 24e
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc9Form 990, Part IX, Line 24e
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc10Form 990, Part IX, Line 24e
IRS990/SchoolOperatingInd0false
IRS990/SignificantChangeInd0false
IRS990/SignificantNewProgramSrvcInd0false
IRS990/SubjectToProxyTaxInd0false
IRS990/TaxablePartyNotificationInd0false
IRS990/TaxExemptBondsInd0false
IRS990/TempOrPermanentEndowmentsInd0false
IRS990/TerminateOperationsInd0false
IRS990/TotalAssetsBOYAmt0160139
IRS990/TotalAssetsEOYAmt0206485
IRS990/TotalAssetsGrp/BOYAmt0160139
IRS990/TotalAssetsGrp/EOYAmt0206485
IRS990/TotalCompGreaterThan150KInd0false
IRS990/TotalEmployeeCnt01
IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt018367
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt0396044
IRS990/TotalFunctionalExpensesGrp/TotalAmt0414411
IRS990/TotalGrossUBIAmt00
IRS990/TotalLiabilitiesBOYAmt035900
IRS990/TotalLiabilitiesEOYAmt046657
IRS990/TotalLiabilitiesGrp/BOYAmt035900
IRS990/TotalLiabilitiesGrp/EOYAmt046657
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt0124239
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt0159828
IRS990/TotalProgramServiceRevenueAmt0449771
IRS990/TotalReportableCompFromOrgAmt069230
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt0450000
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt0450000
IRS990/TotalVolunteersCnt09
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt0160139
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt0206485
IRS990/TransactionWithControlEntInd0false
IRS990/TravelGrp/ManagementAndGeneralAmt0480
IRS990/TravelGrp/ProgramServicesAmt010731
IRS990/TravelGrp/TotalAmt011211
IRS990/TypeOfOrganizationCorpInd0X
IRS990/UnrelatedBusIncmOverLimitInd0false
IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine1Txt0PO BOX 9208
IRS990/USAddress/CityNm0FALL RIVER
IRS990/USAddress/StateAbbreviationCd0MA
IRS990/USAddress/ZIPCd002720
IRS990/VotingMembersGoverningBodyCnt010
IRS990/VotingMembersIndependentCnt00
IRS990/WebsiteAddressTxt0N/A
IRS990/WhistleblowerPolicyInd0false
ReturnHeader/BuildTS02016-12-15 16:53:06Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd0true
ReturnHeader/BusinessOfficerGrp/PersonNm0LISA A LINDSAY
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0EXECUTIVE DIRECTOR
ReturnHeader/BusinessOfficerGrp/PhoneNum09177694759
ReturnHeader/BusinessOfficerGrp/SignatureDt02016-05-15
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0PRIVATE RISK MANAGEMENT ASSOCIATION
ReturnHeader/Filer/BusinessNameControlTxt0PRIV
ReturnHeader/Filer/EIN0462430573
ReturnHeader/Filer/PhoneNum09177694759
ReturnHeader/Filer/USAddress/AddressLine1Txt0PO Box 9208
ReturnHeader/Filer/USAddress/CityNm0Fall River
ReturnHeader/Filer/USAddress/StateAbbreviationCd0MA
ReturnHeader/Filer/USAddress/ZIPCd002720
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt0Lisa A Brown and Associates LLC
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt084 N Main St
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm0Fall River
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd0MA
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCd002720
ReturnHeader/PreparerPersonGrp/PhoneNum05085673226
ReturnHeader/PreparerPersonGrp/PreparationDt02016-08-13
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0LISA A BROWN
ReturnHeader/ReturnTs02016-08-13T11:28:16-07:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02015-01-01
ReturnHeader/TaxPeriodEndDt02015-12-31
ReturnHeader/TaxYr02015

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

Displayed year

2015 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$206,485
Liabilities
$46,657
Net assets
$159,828
Revenue
$450,000
Expenses
$414,411
Net income
$35,589
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Facts available. Structured filing facts are available, but richer extracted sections are limited.$1.30$0.22$1.07$2.04$1.73$0.31
2023XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$1.01$0.25$0.77$1.61$1.42$0.19
2022Detailed filing. Detailed filing data is available for this year.$0.73$0.15$0.58$1.25$1.15$0.10
2021XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$0.72$0.23$0.50$1.05$0.89$0.16
2020XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$0.58$0.20$0.39$0.84$0.69$0.14
2019Facts available. Structured filing facts are available, but richer extracted sections are limited.$0.36$0.16$0.19$0.91$0.84$0.08
2018XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$0.30$0.15$0.16$0.83$0.84$0.00
2017XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$0.28$0.12$0.16$0.76$0.72$0.04
2016Facts available. Structured filing facts are available, but richer extracted sections are limited.$0.13$0.01$0.12$0.67$0.71$0.04
2015Detailed filing. Detailed filing data is available for this year.$0.21$0.05$0.16$0.45$0.41$0.04
2014XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$0.16$0.04$0.12$0.27$0.14$0.12
2013Summary only. Only limited summary data is available for this year.$0.00$0.00$0.00$0.00$0.00
Peer Organizations

Similar nonprofits based on the same Siviq industry and scale cohort. 2015 filings • 501(c)6 • <$500k nonprofits