Civic Intelligence

Joint Insurance Association

990 • Fiscal year 2016 • EIN 52-0983562

Oct 01, 2015 to Sep 30, 2016 • Filed on May 10, 2017

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

97th percentile

1.02x

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

2016 filings • 501(c)6 • $1M-$5M nonprofits • Source year 2016

Liabilities / Revenue

98th percentile

2.43x

Higher debt load relative to revenue than 98% of similar nonprofits.

2016 filings • 501(c)6 • $1M-$5M nonprofits • Source year 2016

Net Margin

3rd percentile

-34%

Higher net margin than 3% of similar nonprofits.

2016 filings • 501(c)6 • $1M-$5M nonprofits • Source year 2016

Top Officer Pay

56th percentile

$156,451

Higher top officer pay than 56% of similar nonprofits.

Top officer pay equals 11.6% of source-year revenue.

2016 filings • 501(c)6 • $1M-$5M nonprofits • Source year 2016

Asset Growth

15th percentile

-8.5%

Faster asset growth than 15% of similar nonprofits.

2016 filings • 501(c)6 • $1M-$5M nonprofits • Annualized from 2015 to 2016

Revenue Growth

19th percentile

-6.9%

Faster revenue growth than 19% of similar nonprofits.

2016 filings • 501(c)6 • $1M-$5M nonprofits • Annualized from 2015 to 2016

Balance Sheet
Liabilities / Assets97th percentile

Assets

Down

$3,198,330

Down $298,506 (-8.5%) from 2015

Net Assets

Down

-$66,271

Down $404,839 (-120%) from 2015

Liabilities

Up

$3,264,601

Up $106,333 (+3.4%) from 2015

Revenue And Expenses
Liabilities / Revenue98th percentileNet Margin3rd percentile

Revenue

Down

$1,343,565

Down $99,872 (-6.9%) from 2015

Expenses

Up

$1,794,944

Up $16,750 (+0.9%) from 2015

Net Income

Down

-$451,379

Down $116,622 (-35%) from 2015

Historical Trend

Balance Sheet Trend

Asset Growth15th 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

2016

Assets$3,198,330
Liabilities$3,264,601
Net Assets-$66,271
Open 2016 Filing

Operations Trend

Revenue Growth19th 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

2016

Revenue$1,343,565
Expenses$1,794,944
Net Income-$451,379
Open 2016 Filing
Jump To
Filing Snapshot
Filing Period
Oct 1, 2015 to Sep 30, 2016
Signed
May 10, 2017
Return Version
2015v3.0
Gross Receipts
$1,343,565
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$2,818,467$3,100,343▲ $281,876
Accounts Receivable$677,863$97,987▼ $579,876
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
Rtn Earn Endowment Incm Other Fnds$338,568$-66,271▼ $404,839
Total Assets$3,496,836$3,198,330▼ $298,506
Other Assets Total$506$0▼ $506
Liabilities
Other Liabilities$3,158,268$3,264,601▲ $106,333
Total Liabilities$3,158,268$3,264,601▲ $106,333
Net Assets / Fund Balance
Total Net Assets Fund Balance$338,568$-66,271▼ $404,839
Total Liabilities and Net Assets / Fund Balance$3,496,836$3,198,330▼ $298,506

Asset Categories

AssetBook ValueDepreciationBasis
Equipment$0$54,969$54,969
Leasehold Improvements$0$13,495$13,495
Compensation and Service Providers
Top Officer Pay56th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Christopher DooleyGeneral Manager & SecretarFT$148,446$8,005$156,451

Board Members and Trustees

NameTitle
Charles H FlickingerChair
Robert F OhlerVice Chair
Amy ArcherGoverning Committee Member
Darnelle L PhillipsGoverning Committee Member
Frank HiserGoverning Committee Member
James M MulhollandGoverning 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
$1,199,442
Investment Income
$0
Other Revenue
$144,123
Change in Net Assets
$-451,379

Audited Revenue Reconciliation

Revenue per Audited Statements
$1,343,565
Revenue Not Reported on Financial Statements
$0
Revenue Not Reported on Form 990
$0
Total Revenue per Audited Statements
$1,343,565
Total Revenue per Form 990
$1,343,565
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$1,121,406
Salaries, Compensation, and Employee Benefits$673,538
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Fees for Services Other---$261,555
Other Salaries and Wages---$193,115
Pension Plan Contributions---$187,853
Current Officers, Directors, Trustees, and Key Employees---$148,446
Other Employee Benefits---$115,743
All Other Expenses---$69,238
Occupancy---$50,039
Other Expenses---$34,766
Payroll Taxes---$28,381
Office Expenses---$21,723
Fees for Services Legal---$14,596
Fees for Services Accounting---$12,325
Travel---$11,716
Advertising---$10,892
Insurance---$5,161
Total Functional Expenses$0$0$0$1,794,944

Audited Expense Reconciliation

Line ItemAmount
Expenses per Audited Statements$1,794,944
Total Expenses per Audited Statements$1,794,944
Total Expenses per Form 990$1,794,944
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$1,303,050
Accrued Pension Benefit Cost$949,505
Unearned Premiums$583,146
Losses$222,436
Accrued Expenses$99,751
Loss Adjustment Expenses$67,786
Advance Premiums$29,363
Commissions Payable$9,564
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 organization 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 its governing committee annually.”

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

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

Form 990, Part VI, Section B, Line 11

“A copy of form 990 is not provided to the organization's governing body before it is filed. It is only provided to the 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
2017-05-10
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 194,838. Commissions 66,717.”

FORM 990, PART XI, LINE 9:

“Change in non-admitted assets -3,697. Pension and postretirement plans funded status adjustment 50,237.”

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
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IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt18680
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt01190762
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt18680
IRS990/ProhibitedTaxShelterTransInd00
IRS990/PYBenefitsPaidToMembersAmt00
IRS990/PYContributionsGrantsAmt00
IRS990/PYGrantsAndSimilarPaidAmt00
IRS990/PYInvestmentIncomeAmt00
IRS990/PYOtherExpensesAmt01116476
IRS990/PYOtherRevenueAmt0141859
IRS990/PYProgramServiceRevenueAmt01301578
IRS990/PYRevenuesLessExpensesAmt0-334757
IRS990/PYSalariesCompEmpBnftPaidAmt0661718
IRS990/PYTotalExpensesAmt01778194
IRS990/PYTotalProfFndrsngExpnsAmt00
IRS990/PYTotalRevenueAmt01443437
IRS990/ReconcilationRevenueExpnssAmt0-451379
IRS990/RegularMonitoringEnfrcInd01
IRS990/RelatedEntityInd00
IRS990/RelatedOrganizationCtrlEntInd00
IRS990/ReportInvestmentsOtherSecInd00
IRS990/ReportLandBuildingEquipmentInd01
IRS990/ReportOtherAssetsInd00
IRS990/ReportOtherLiabilitiesInd01
IRS990/ReportProgramRelatedInvstInd00
IRS990/RevenueAmt01199442
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt0338568
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt0-66271
IRS990/ScheduleBRequiredInd00
IRS990ScheduleD/EquipmentGrp/BookValueAmt00
IRS990ScheduleD/EquipmentGrp/DepreciationAmt054969
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt054969
IRS990ScheduleD/ExpensesNotReportedAmt00
IRS990ScheduleD/ExpensesNotRptFinclStmtAmt00
IRS990ScheduleD/ExpensesSubtotalAmt01794944
IRS990ScheduleD/LeaseholdImprovementsGrp/BookValueAmt00
IRS990ScheduleD/LeaseholdImprovementsGrp/DepreciationAmt013495
IRS990ScheduleD/LeaseholdImprovementsGrp/OtherCostOrOtherBasisAmt013495
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt0222436
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt167786
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt29564
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt3583146
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt429363
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt5949505
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt61303050
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt799751
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/RevenueSubtotalAmt01343565
IRS990ScheduleD/TotalBookValueLandBuildingsAmt00
IRS990ScheduleD/TotalExpensesPerForm990Amt01794944
IRS990ScheduleD/TotalLiabilityAmt03264601
IRS990ScheduleD/TotalRevenuePerForm990Amt01343565
IRS990ScheduleD/TotalRevEtcAuditedFinclStmtAmt01343565
IRS990ScheduleD/TotExpnsEtcAuditedFinclStmtAmt01794944
IRS990/ScheduleJRequiredInd00
IRS990/ScheduleORequiredInd01
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0THE ORGANIZATION HAS MEMBERS CONSISTING OF ALL LICENSED INSURANCE COMPANIES AUTHORIZED TO WRITE PROPERTY INSURANCE IN MARYLAND.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1THE ORGANIZATION'S MEMBERS ELECT ITS GOVERNING COMMITTEE ANNUALLY.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2ANY CHANGES TO THE PLAN OF OPERATIONS MUST BE APPROVED BY THE MEMBERS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3A COPY OF FORM 990 IS NOT PROVIDED TO THE ORGANIZATION'S GOVERNING BODY BEFORE IT IS FILED. IT IS ONLY PROVIDED TO THE 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 194,838. COMMISSIONS 66,717.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt8CHANGE IN NON-ADMITTED ASSETS -3,697. PENSION AND POSTRETIREMENT PLANS FUNDED STATUS ADJUSTMENT 50,237.
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/TotalAssetsBOYAmt03496836
IRS990/TotalAssetsEOYAmt03198330
IRS990/TotalAssetsGrp/BOYAmt03496836
IRS990/TotalAssetsGrp/EOYAmt03198330
IRS990/TotalCompGreaterThan150KInd00
IRS990/TotalEmployeeCnt07
IRS990/TotalFunctionalExpensesGrp/TotalAmt01794944
IRS990/TotalGrossUBIAmt0144123
IRS990/TotalLiabilitiesBOYAmt03158268
IRS990/TotalLiabilitiesEOYAmt03264601
IRS990/TotalLiabilitiesGrp/BOYAmt03158268
IRS990/TotalLiabilitiesGrp/EOYAmt03264601
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt0338568
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt0-66271
IRS990/TotalOtherCompensationAmt08005
IRS990/TotalProgramServiceExpensesAmt01794944
IRS990/TotalProgramServiceRevenueAmt01199442
IRS990/TotalReportableCompFromOrgAmt0148446
IRS990/TotalRevenueGrp/ExclusionAmt00
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt01199442
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt01343565
IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt0144123
IRS990/TotalVolunteersCnt00
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt03496836
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt03198330
IRS990/TotReportableCompRltdOrgAmt00
IRS990/TravelGrp/TotalAmt011716
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/BuildTS02017-02-10 21:41:12Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd01
ReturnHeader/BusinessOfficerGrp/PersonNm0CHRISTOPHER DOOLEY
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0GENERAL MANAGER
ReturnHeader/BusinessOfficerGrp/PhoneNum04105396808
ReturnHeader/BusinessOfficerGrp/SignatureDt02017-05-10
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/ReturnTs02017-05-10T15:30:57-05:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02015-10-01
ReturnHeader/TaxPeriodEndDt02016-09-30
ReturnHeader/TaxYr02015

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

Displayed year

2016 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$3,198,330
Liabilities
$3,264,601
Net assets
-$66,271
Revenue
$1,343,565
Expenses
$1,794,944
Net income
-$451,379
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
2015XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$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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