Civic Intelligence

Joint Insurance Association

990 • Fiscal year 2015 • EIN 52-0983562

Oct 01, 2014 to Sep 30, 2015 • Filed on Feb 11, 2016

Organization ProfileWWW.MDJIA.ORG

View Organization Page

3290 N Ridge Road No 210Ellicott City, MD 21043

(410) 539-6808

Siviq Scores

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

Liabilities / Assets

95th percentile

0.90x

Higher debt load relative to assets than 95% of similar nonprofits.

2015 filings • 501(c)6 • $1M-$5M nonprofits • Source year 2015

Liabilities / Revenue

97th percentile

2.19x

Higher debt load relative to revenue than 97% of similar nonprofits.

2015 filings • 501(c)6 • $1M-$5M nonprofits • Source year 2015

Net Margin

5th percentile

-23%

Higher net margin than 5% of similar nonprofits.

2015 filings • 501(c)6 • $1M-$5M nonprofits • Source year 2015

Top Officer Pay

54th percentile

$149,894

Higher top officer pay than 54% of similar nonprofits.

Top officer pay equals 10.4% of source-year revenue.

2015 filings • 501(c)6 • $1M-$5M nonprofits • Source year 2015

Asset Growth

98th percentile

83%

Faster asset growth than 98% of similar nonprofits.

2015 filings • 501(c)6 • $1M-$5M nonprofits • Annualized from 2014 to 2015

Revenue Growth

20th percentile

-6.0%

Faster revenue growth than 20% of similar nonprofits.

2015 filings • 501(c)6 • $1M-$5M nonprofits • Annualized from 2014 to 2015

Balance Sheet
Liabilities / Assets95th percentile

Assets

Up

$3,496,836

Up $1,589,112 (+83%) from 2014

Net Assets

Up

$338,568

Up $1,441,782 (+131%) from 2014

Liabilities

Up

$3,158,268

Up $147,330 (+4.9%) from 2014

Revenue And Expenses
Liabilities / Revenue97th percentileNet Margin5th percentile

Revenue

Down

$1,443,437

Down $91,938 (-6.0%) from 2014

Expenses

Up

$1,778,194

Up $110,636 (+6.6%) from 2014

Net Income

Down

-$334,757

Down $202,574 (-153%) from 2014

Historical Trend

Balance Sheet Trend

Asset Growth98th percentile

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

$4.0M$2.0M$0-$2.0M-$4.0MAssets 2011: $1,666,402Liabilities 2011: $3,679,453Net Assets 2011: -$2,013,0512011Assets 2012: $2,929,698Liabilities 2012: $3,101,410Net Assets 2012: -$171,7122012Assets 2013: $2,319,996Liabilities 2013: $2,418,656Net Assets 2013: -$98,6602013Assets 2014: $1,907,724Liabilities 2014: $3,010,938Net Assets 2014: -$1,103,2142014Assets 2015: $3,496,836Liabilities 2015: $3,158,268Net Assets 2015: $338,5682015Assets 2016: $3,198,330Liabilities 2016: $3,264,601Net Assets 2016: -$66,2712016Assets 2017: $2,421,043Liabilities 2017: $2,630,933Net Assets 2017: -$209,8902017Assets 2018: $1,681,944Liabilities 2018: $2,175,136Net Assets 2018: -$493,1922018Assets 2019: $2,873,972Liabilities 2019: $2,656,333Net Assets 2019: $217,6392019Assets 2020: $2,257,661Liabilities 2020: $2,832,533Net Assets 2020: -$574,8722020Assets 2021: $1,626,730Liabilities 2021: $2,101,712Net Assets 2021: -$474,9822021Assets 2022: $2,641,203Liabilities 2022: $1,785,594Net Assets 2022: $855,6092022Assets 2023: $1,837,151Liabilities 2023: $1,495,958Net Assets 2023: $341,1932023Assets 2024: $3,055,123Liabilities 2024: $2,071,949Net Assets 2024: $983,1742024

Highlighted filing

2015

Assets$3,496,836
Liabilities$3,158,268
Net Assets$338,568
Open 2015 Filing

Operations Trend

Revenue Growth20th percentile

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

$4.0M$2.0M$0-$2.0MExpenses 2011: $3,199,2302011Expenses 2012: $1,682,4782012Expenses 2013: $2,294,5652013Revenue 2014: $1,535,375Expenses 2014: $1,667,558Net Income 2014: -$132,1832014Revenue 2015: $1,443,437Expenses 2015: $1,778,194Net Income 2015: -$334,7572015Revenue 2016: $1,343,565Expenses 2016: $1,794,944Net Income 2016: -$451,3792016Revenue 2017: $1,245,069Expenses 2017: $1,913,715Net Income 2017: -$668,6462017Revenue 2018: $1,094,792Expenses 2018: $1,651,582Net Income 2018: -$556,7902018Revenue 2019: $968,644Expenses 2019: $1,477,750Net Income 2019: -$509,1062019Revenue 2020: $920,301Expenses 2020: $1,534,526Net Income 2020: -$614,2252020Revenue 2021: $845,957Expenses 2021: $1,493,559Net Income 2021: -$647,6022021Revenue 2022: $770,233Expenses 2022: $1,546,098Net Income 2022: -$775,8652022Revenue 2023: $801,886Expenses 2023: $1,424,962Net Income 2023: -$623,0762023Revenue 2024: $934,431Expenses 2024: $1,976,382Net Income 2024: -$1,041,9512024

Highlighted filing

2015

Revenue$1,443,437
Expenses$1,778,194
Net Income-$334,757
Open 2015 Filing
Jump To
Filing Snapshot
Filing Period
Oct 1, 2014 to Sep 30, 2015
Signed
Feb 11, 2016
Return Version
2014v6.0
Gross Receipts
$1,443,437
Mission and Program Overview

Mission

To provide certain property and casualty insurance to applicants in the state of maryland.

Providing property insurance per maryland state law.

Balance Sheet Detail
LineBeginningEndChange
Assets
Cash and Non-Interest-Bearing Accounts$1,813,304$2,818,467▲ $1,005,163
Accounts Receivable$93,157$677,863▲ $584,706
Rtn Earn Endowment Incm Other Fnds$-1,103,214$338,568▲ $1,441,782
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
Total Assets$1,907,724$3,496,836▲ $1,589,112
Other Assets Total$1,263$506▼ $757
Liabilities
Other Liabilities$3,010,938$3,158,268▲ $147,330
Total Liabilities$3,010,938$3,158,268▲ $147,330
Net Assets / Fund Balance
Total Net Assets Fund Balance$-1,103,214$338,568▲ $1,441,782
Total Liabilities and Net Assets / Fund Balance$1,907,724$3,496,836▲ $1,589,112

Asset Categories

AssetBook ValueDepreciationBasis
Equipment$0$54,969$54,969
Leasehold Improvements$0$13,495$13,495
Compensation and Service Providers
Top Officer Pay54th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Christopher DooleyGeneral Manager & SecretarFT$141,890$8,004$149,894

Board Members and Trustees

NameTitle
Robert F OhlerChair
James M MulhollandVice Chair
Amy ArcherGoverning Committee Member
Charles H FlickingerGoverning Committee Member
Darnelle L PhillipsGoverning Committee Member
Frank HiserGoverning Committee Member
Michael FosterGoverning Committee Member
Robert J BeckerGoverning Committee Member
Stavroula AlachnowiczGoverning Committee Member
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$1,301,578
Investment Income
$0
Other Revenue
$141,859
Change in Net Assets
$-334,757

Audited Revenue Reconciliation

Revenue per Audited Statements
$1,443,437
Revenue Not Reported on Financial Statements
$0
Revenue Not Reported on Form 990
$0
Total Revenue per Audited Statements
$1,443,437
Total Revenue per Form 990
$1,443,437
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$1,116,476
Salaries, Compensation, and Employee Benefits$661,718
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Fees for Services Other---$274,059
Other Salaries and Wages---$241,431
Other Employee Benefits---$160,993
Current Officers, Directors, Trustees, and Key Employees---$141,890
Pension Plan Contributions---$81,382
All Other Expenses---$73,485
Occupancy---$48,447
Other Expenses---$40,012
Payroll Taxes---$36,022
Office Expenses---$22,624
Advertising---$10,386
Travel---$8,043
Fees for Services Legal---$7,661
Insurance---$4,447
Fees for Services Accounting---$3,872
Total Functional Expenses$0$0$0$1,778,194

Audited Expense Reconciliation

Line ItemAmount
Expenses per Audited Statements$1,778,194
Total Expenses per Audited Statements$1,778,194
Total Expenses per Form 990$1,778,194
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
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Accrued Postretirement Benefit Cost$1,448,621
Accrued Pension Benefit Cost$748,364
Unearned Premiums$664,096
Accrued Expenses$123,533
Losses$87,890
Advance Premiums$37,953
Loss Adjustment Expenses$36,073
Commissions Payable$11,738
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
Yes
Audit committee
Yes
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
Yes
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, Part VI, Section A, Line 6

“The orgranization has members consisting of all licensed insurance companies authorized to write property insurance in maryland.”

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

“The organization's members elect it's governing committee annually.”

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

“Any changes to the plan of operations must be arrpoved by the members.”

Form 990, Part VI, Section B, Line 11

“A copy of form 990 is not provided to the orgainzation's governing body before it is filed. It is only provided to teh chairman of the governing committee for signing.”

Form 990, Part VI, Section B, Line 12C

“The organization regularly and consistently monitors and enforces compliance with the conflict of interest policy by requiring members to review and sign the policy annually. If any changes occur during the year, the member is required to submit the change to the general manager or board chairman. The board addresses any changes as required.”

Form 990, Part VI, Section B, Line 15

“The executive committee reviews salary based on comparable industry data.”

Form 990, Part VI, Section C, Line 19

“The governing documents, conflict of interest policy and financial statements are available upon request.”

Filing and Contact Details

Filer

Filer Name
Joint Insurance Association
EIN
52-0983562
Phone
4105396808
Address
3290 N RIDGE ROAD NO 210, ELLICOTT CITY, MD 21043

Signing Officer

Name
Christopher Dooley
Title
General Manager
Phone
4105396808
Signed
2016-02-11
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Christopher Dooley
Formed
1968
Legal Domicile
Md
Voting Board Members
9
Independent Board Members
9
Employees
7
Volunteers
0

Preparer

Firm
Buffamante Whipple Buttafaro Pc
Address
201 WEST THIRD STREET, JAMESTOWN, NY 14701
Preparer
Kristy B Zabrodsky CPA
Phone
7166645104
Supplemental Narrative

Additional Explanations

Form 990, Part IX, Line 11G

“Data processing consultant fees 196,139. Commissions 77,920.”

FORM 990, PART XI, LINE 9:

“Change in non-admitted assets 4,433. Pension and postretirement plans funded status adjustment -227,714. Member assessment 1,999,820.”

FORM 990, PART XII, LINE 1:

“The maryland insurance administration recognizes only statutory accounting practices prescribed or permitted by the state of maryland for determining and reporting the financial condition and results of operations of the company for determining its solvency under the maryland insurance law.”

FORM 990, PART XII, LINE 2C:

“Audit oversight committee the oversight process and committee selection process of the committee that assumes responsibility for the oversight of the audit and selection of the independent auditor has not changed during the tax year.”

Raw XML Appendix384 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/ProgramServiceRevenueGrp/Desc1MISCELLANEOUS INCOME
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt01296648
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt14930
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt01296648
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt14930
IRS990/ProhibitedTaxShelterTransInd00
IRS990/PYBenefitsPaidToMembersAmt00
IRS990/PYContributionsGrantsAmt00
IRS990/PYGrantsAndSimilarPaidAmt00
IRS990/PYInvestmentIncomeAmt00
IRS990/PYOtherExpensesAmt01056846
IRS990/PYOtherRevenueAmt0149829
IRS990/PYProgramServiceRevenueAmt01385546
IRS990/PYRevenuesLessExpensesAmt0-132183
IRS990/PYSalariesCompEmpBnftPaidAmt0610712
IRS990/PYTotalExpensesAmt01667558
IRS990/PYTotalProfFndrsngExpnsAmt00
IRS990/PYTotalRevenueAmt01535375
IRS990/ReconcilationRevenueExpnssAmt0-334757
IRS990/RegularMonitoringEnfrcInd01
IRS990/RelatedEntityInd00
IRS990/RelatedOrganizationCtrlEntInd00
IRS990/ReportInvestmentsOtherSecInd00
IRS990/ReportLandBuildingEquipmentInd01
IRS990/ReportOtherAssetsInd00
IRS990/ReportOtherLiabilitiesInd01
IRS990/ReportProgramRelatedInvstInd00
IRS990/RevenueAmt01301578
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt0-1103214
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt0338568
IRS990/ScheduleBRequiredInd00
IRS990ScheduleD/EquipmentGrp/BookValueAmt00
IRS990ScheduleD/EquipmentGrp/DepreciationAmt054969
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt054969
IRS990ScheduleD/ExpensesNotReportedAmt00
IRS990ScheduleD/ExpensesNotRptFinclStmtAmt00
IRS990ScheduleD/ExpensesSubtotalAmt01778194
IRS990ScheduleD/LeaseholdImprovementsGrp/BookValueAmt00
IRS990ScheduleD/LeaseholdImprovementsGrp/DepreciationAmt013495
IRS990ScheduleD/LeaseholdImprovementsGrp/OtherCostOrOtherBasisAmt013495
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt087890
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt136073
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt211738
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt3664096
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt437953
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt5748364
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt61448621
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt7123533
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0LOSSES
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc1LOSS ADJUSTMENT EXPENSES
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc2COMMISSIONS PAYABLE
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc3UNEARNED PREMIUMS
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc4ADVANCE PREMIUMS
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc5ACCRUED PENSION BENEFIT COST
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc6ACCRUED POSTRETIREMENT BENEFIT COST
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc7ACCRUED EXPENSES
IRS990ScheduleD/RevenueNotReportedAmt00
IRS990ScheduleD/RevenueNotReportedFinclStmtAmt00
IRS990ScheduleD/RevenueSubtotalAmt01443437
IRS990ScheduleD/TotalBookValueLandBuildingsAmt00
IRS990ScheduleD/TotalExpensesPerForm990Amt01778194
IRS990ScheduleD/TotalLiabilityAmt03158268
IRS990ScheduleD/TotalRevenuePerForm990Amt01443437
IRS990ScheduleD/TotalRevEtcAuditedFinclStmtAmt01443437
IRS990ScheduleD/TotExpnsEtcAuditedFinclStmtAmt01778194
IRS990/ScheduleJRequiredInd00
IRS990/ScheduleORequiredInd01
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0THE ORGRANIZATION HAS MEMBERS CONSISTING OF ALL LICENSED INSURANCE COMPANIES AUTHORIZED TO WRITE PROPERTY INSURANCE IN MARYLAND.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1THE ORGANIZATION'S MEMBERS ELECT IT'S GOVERNING COMMITTEE ANNUALLY.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2ANY CHANGES TO THE PLAN OF OPERATIONS MUST BE ARRPOVED BY THE MEMBERS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3A COPY OF FORM 990 IS NOT PROVIDED TO THE ORGAINZATION'S GOVERNING BODY BEFORE IT IS FILED. IT IS ONLY PROVIDED TO TEH CHAIRMAN OF THE GOVERNING COMMITTEE FOR SIGNING.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4THE ORGANIZATION REGULARLY AND CONSISTENTLY MONITORS AND ENFORCES COMPLIANCE WITH THE CONFLICT OF INTEREST POLICY BY REQUIRING MEMBERS TO REVIEW AND SIGN THE POLICY ANNUALLY. IF ANY CHANGES OCCUR DURING THE YEAR, THE MEMBER IS REQUIRED TO SUBMIT THE CHANGE TO THE GENERAL MANAGER OR BOARD CHAIRMAN. THE BOARD ADDRESSES ANY CHANGES AS REQUIRED.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5THE EXECUTIVE COMMITTEE REVIEWS SALARY BASED ON COMPARABLE INDUSTRY DATA.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6THE GOVERNING DOCUMENTS, CONFLICT OF INTEREST POLICY AND FINANCIAL STATEMENTS ARE AVAILABLE UPON REQUEST.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt7DATA PROCESSING CONSULTANT FEES 196,139. COMMISSIONS 77,920.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt8CHANGE IN NON-ADMITTED ASSETS 4,433. PENSION AND POSTRETIREMENT PLANS FUNDED STATUS ADJUSTMENT -227,714. MEMBER ASSESSMENT 1,999,820.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt9THE MARYLAND INSURANCE ADMINISTRATION RECOGNIZES ONLY STATUTORY ACCOUNTING PRACTICES PRESCRIBED OR PERMITTED BY THE STATE OF MARYLAND FOR DETERMINING AND REPORTING THE FINANCIAL CONDITION AND RESULTS OF OPERATIONS OF THE COMPANY FOR DETERMINING ITS SOLVENCY UNDER THE MARYLAND INSURANCE LAW.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt10AUDIT OVERSIGHT COMMITTEE THE OVERSIGHT PROCESS AND COMMITTEE SELECTION PROCESS OF THE COMMITTEE THAT ASSUMES RESPONSIBILITY FOR THE OVERSIGHT OF THE AUDIT AND SELECTION OF THE INDEPENDENT AUDITOR HAS NOT CHANGED DURING THE TAX YEAR.
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0FORM 990, PART VI, SECTION A, LINE 6
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1FORM 990, PART VI, SECTION A, LINE 7A
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2FORM 990, PART VI, SECTION A, LINE 7B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3FORM 990, PART VI, SECTION B, LINE 11
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4FORM 990, PART VI, SECTION B, LINE 12C
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5FORM 990, PART VI, SECTION B, LINE 15
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc6FORM 990, PART VI, SECTION C, LINE 19
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc7FORM 990, PART IX, LINE 11G
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc8FORM 990, PART XI, LINE 9:
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc9FORM 990, PART XII, LINE 1:
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc10FORM 990, PART XII, LINE 2C:
IRS990/SchoolOperatingInd00
IRS990/SignificantChangeInd00
IRS990/SignificantNewProgramSrvcInd00
IRS990/SubjectToProxyTaxInd00
IRS990/TaxablePartyNotificationInd00
IRS990/TaxExemptBondsInd00
IRS990/TempOrPermanentEndowmentsInd00
IRS990/TerminateOperationsInd00
IRS990/TotalAssetsBOYAmt01907724
IRS990/TotalAssetsEOYAmt03496836
IRS990/TotalAssetsGrp/BOYAmt01907724
IRS990/TotalAssetsGrp/EOYAmt03496836
IRS990/TotalCompGreaterThan150KInd00
IRS990/TotalEmployeeCnt07
IRS990/TotalFunctionalExpensesGrp/TotalAmt01778194
IRS990/TotalGrossUBIAmt0141859
IRS990/TotalLiabilitiesBOYAmt03010938
IRS990/TotalLiabilitiesEOYAmt03158268
IRS990/TotalLiabilitiesGrp/BOYAmt03010938
IRS990/TotalLiabilitiesGrp/EOYAmt03158268
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt0-1103214
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt0338568
IRS990/TotalOtherCompensationAmt08004
IRS990/TotalProgramServiceExpensesAmt01778194
IRS990/TotalProgramServiceRevenueAmt01301578
IRS990/TotalReportableCompFromOrgAmt0141890
IRS990/TotalRevenueGrp/ExclusionAmt00
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt01301578
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt01443437
IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt0141859
IRS990/TotalVolunteersCnt00
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt01907724
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt03496836
IRS990/TotReportableCompRltdOrgAmt00
IRS990/TravelGrp/TotalAmt08043
IRS990/TypeOfOrganizationAssocInd0X
IRS990/UnrelatedBusIncmOverLimitInd01
IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine1Txt03290 N RIDGE ROAD NO 210
IRS990/USAddress/CityNm0ELLICOTT CITY
IRS990/USAddress/StateAbbreviationCd0MD
IRS990/USAddress/ZIPCd021043
IRS990/VotingMembersGoverningBodyCnt09
IRS990/VotingMembersIndependentCnt09
IRS990/WebsiteAddressTxt0WWW.MDJIA.ORG
IRS990/WhistleblowerPolicyInd00
ReturnHeader/BuildTS02016-04-25 22:37:26Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd01
ReturnHeader/BusinessOfficerGrp/PersonNm0CHRISTOPHER DOOLEY
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0GENERAL MANAGER
ReturnHeader/BusinessOfficerGrp/PhoneNum04105396808
ReturnHeader/BusinessOfficerGrp/SignatureDt02016-02-11
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0JOINT INSURANCE ASSOCIATION
ReturnHeader/Filer/BusinessNameControlTxt0JOIN
ReturnHeader/Filer/EIN0520983562
ReturnHeader/Filer/PhoneNum04105396808
ReturnHeader/Filer/USAddress/AddressLine1Txt03290 N RIDGE ROAD NO 210
ReturnHeader/Filer/USAddress/CityNm0ELLICOTT CITY
ReturnHeader/Filer/USAddress/StateAbbreviationCd0MD
ReturnHeader/Filer/USAddress/ZIPCd021043
ReturnHeader/PreparerFirmGrp/PreparerFirmEIN0161117932
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt0BUFFAMANTE WHIPPLE BUTTAFARO PC
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt0201 WEST THIRD STREET
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm0JAMESTOWN
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd0NY
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCd014701
ReturnHeader/PreparerPersonGrp/PhoneNum07166645104
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0KRISTY B ZABRODSKY CPA
ReturnHeader/ReturnTs02016-02-11T07:19:19-06:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02014-10-01
ReturnHeader/TaxPeriodEndDt02015-09-30
ReturnHeader/TaxYr02014

Document Assets

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Filings

Displayed year

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

Open filing
Assets
$3,496,836
Liabilities
$3,158,268
Net assets
$338,568
Revenue
$1,443,437
Expenses
$1,778,194
Net income
-$334,757
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Facts available. Structured filing facts are available, but richer extracted sections are limited.$3.06$2.07$0.98$0.93$1.98$1.04
2023XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$1.84$1.50$0.34$0.80$1.42$0.62
2022XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$2.64$1.79$0.86$0.77$1.55$0.78
2021XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$1.63$2.10$0.47$0.85$1.49$0.65
2020Facts available. Structured filing facts are available, but richer extracted sections are limited.$2.26$2.83$0.57$0.92$1.53$0.61
2019Facts available. Structured filing facts are available, but richer extracted sections are limited.$2.87$2.66$0.22$0.97$1.48$0.51
2018XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$1.68$2.18$0.49$1.09$1.65$0.56
2017XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$2.42$2.63$0.21$1.25$1.91$0.67
2016Detailed filing. Detailed filing data is available for this year.$3.20$3.26$0.07$1.34$1.79$0.45
2015Detailed filing. Detailed filing data is available for this year.$3.50$3.16$0.34$1.44$1.78$0.33
2014Detailed filing. Detailed filing data is available for this year.$1.91$3.01$1.10$1.54$1.67$0.13
2013Facts available. Structured filing facts are available, but richer extracted sections are limited.$2.32$2.42$0.10$2.29
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$2.93$3.10$0.17$1.68
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$1.67$3.68$2.01$3.20
Peer Organizations

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