Civic Intelligence

Baltimore Health Underwriters Assoc Inc

990EZ • Fiscal year 2013 • EIN 52-1616454

Jan 01, 2013 to Dec 31, 2013 • Filed on Apr 24, 2014

Organization Profilewww.baltimoreahu.org
PO Box 30821094

(410) 727-7215

Siviq Scores

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

Liabilities / Assets

Score unavailable

No value available

Liabilities-to-assets requires both liabilities and assets on this filing.

Source year 2013

Liabilities / Revenue

Score unavailable

No value available

Liabilities-to-revenue requires both liabilities and revenue on this filing.

Source year 2013

Net Margin

27th percentile

-6.4%

Higher net margin than 27% of similar nonprofits.

2013 filings • 501(c)6 • <$500k nonprofits • Source year 2013

Top Officer Pay

67th percentile

$0

Higher top officer pay than 67% of similar nonprofits.

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

2013 filings • 501(c)6 • <$500k nonprofits • Source year 2013

Asset Growth

35th percentile

-4.0%

Faster asset growth than 35% of similar nonprofits.

2013 filings • 501(c)6 • <$500k nonprofits • Annualized from 2012 to 2013

Revenue Growth

65th percentile

8.9%

Faster revenue growth than 65% of similar nonprofits.

2013 filings • 501(c)6 • <$500k nonprofits • Annualized from 2012 to 2013

Balance Sheet
Liabilities / AssetsScore unavailable

Assets

Down

$78,113

Down $3,216 (-4.0%) from 2012

Net Assets

Down

$78,113

Down $3,216 (-4.0%) from 2012

Liabilities

-

No earlier filing loaded for comparison.

Revenue And Expenses
Liabilities / RevenueScore unavailableNet Margin27th percentile

Revenue

Up

$50,298

Up $4,126 (+8.9%) from 2012

Expenses

Up

$53,514

Up $13,211 (+33%) from 2012

Net Income

Down

-$3,216

Down $9,085 (-155%) from 2012

Historical Trend

Balance Sheet Trend

Asset Growth35th percentile

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

$100K$50K$0Assets 2010: $77,834Net Assets 2010: $77,8342010Assets 2011: $75,460Net Assets 2011: $75,4602011Assets 2012: $81,329Net Assets 2012: $81,3292012Assets 2013: $78,113Net Assets 2013: $78,1132013Assets 2014: $65,830Net Assets 2014: $65,8302014Assets 2015: $79,553Net Assets 2015: $79,5532015Assets 2016: $76,980Net Assets 2016: $76,9802016

Highlighted filing

2013

Assets$78,113
Liabilities-
Net Assets$78,113
Open 2013 Filing

Operations Trend

Revenue Growth65th percentile

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

$80K$60K$40K$20K$0-$20KRevenue 2010: $61,125Expenses 2010: $32,638Net Income 2010: $28,4872010Revenue 2011: $57,790Expenses 2011: $50,164Net Income 2011: $7,6262011Revenue 2012: $46,172Expenses 2012: $40,303Net Income 2012: $5,8692012Revenue 2013: $50,298Expenses 2013: $53,514Net Income 2013: -$3,2162013Revenue 2014: $41,385Expenses 2014: $53,668Net Income 2014: -$12,2832014Revenue 2015: $37,580Expenses 2015: $23,857Net Income 2015: $13,7232015Revenue 2016: $27,335Expenses 2016: $29,908Net Income 2016: -$2,5732016

Highlighted filing

2013

Revenue$50,298
Expenses$53,514
Net Income-$3,216
Open 2013 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2013 to Dec 31, 2013
Signed
Apr 24, 2014
Return Version
2013v3.1
Gross Receipts
$50,298
Mission and Program Overview

Mission

To educate insurance agents and the public about insurance.

Program Services

DescriptionGrantsExpenses
THE ORGANIZATION HELD 10 CONTINUING EDUCATION EVENTS. TOTAL ATTENDANCE APPROXIMATES 900.--
Compensation and Service Providers
Top Officer Pay67th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
APRIL COUGHLINPresidentPT$0--
AMANDA BALISHTreasurerPT$0--
KATHLEEN JANOCHAPast PresidentPT$0--
SCOTT MAYERDirector-$0--
MONIQUE SNIDERSecretary-$0--
JESSICA ENGELBRECHTDirector-$0--
JULIA SALAMONDirector-$0--
JAMIE KAHNDirector-$0--
CHRISTINA MCJIMPSEYDirector-$0--
CAROLYN KINSEYDirector-$0--
Political and Lobbying Activity
In-house lobbying only
No

Reported Spending and Taxes

Line ItemAmount
Political Expenditures$2,500
Section 527 Activity Spending$2,500
Total Exempt Function Spending$2,500

Section 527 Organizations

OrganizationLocationAmount
00-0000000-$1,500
20-3677682-$500
33-0993989-$250
00-0000000-$250
Filing and Contact Details

Filer

EIN
52-1616454
Phone
4107277215

Signing Officer

Name
Olga Katsimbris
Title
Treasurer
Phone
4107277215
Signed
2014-04-24
Discuss with paid preparer
Yes

Preparer

Preparer
Karla S Geldmacher
Phone
4436366894
Supplemental Narrative

Additional Explanations

Form 990EZ, Part I, Line 10

“Charitable expenses of bahu charitable foundation charitable baltimore health underwriters charitable foundation none 5547.”

Form 990EZ, Part I, Line 16

“Continuing ed processing fees 934. Education and seminars 23906. Meals & entertainment 4337. Office expenses 589. Website 950. Bank charges 180. Convention 1549. Membership expense 3153. Political contributions 2500. Depreciation 297. Software subscription 269. Merchant fees 905. Advertising-public radio 5000. Taxes - 1120pol 216. Penalty - late filing 1220. Interest - irs 61.”

Form 990EZ, Part II, Line 24

“Due from bhu charitable trust foundation 9272. 0. Property and equipment - net 768. 471.”

Raw XML Appendix174 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
IRS990EZ/ActivitiesNotPreviouslyRptInd0false
IRS990EZ/BooksInCareOfDetail/PersonNm0OLGA KATSIMBRIS
IRS990EZ/BooksInCareOfDetail/PhoneNum04105277215
IRS990EZ/BooksInCareOfDetail/USAddress/AddressLine10225 Schilling Circle
IRS990EZ/BooksInCareOfDetail/USAddress/City0Hunt Valley
IRS990EZ/BooksInCareOfDetail/USAddress/State0MD
IRS990EZ/BooksInCareOfDetail/USAddress/ZIPCode021031
IRS990EZ/CashSavingsAndInvestmentsGrp/BOYAmt071289
IRS990EZ/CashSavingsAndInvestmentsGrp/EOYAmt077642
IRS990EZ/ChgMadeToOrgnzngDocNotRptInd0false
IRS990EZ/ContributionsGiftsGrantsEtcAmt00
IRS990EZ/CostOfGoodsSoldAmt00
IRS990EZ/CostOrOtherBasisExpenseSaleAmt00
IRS990EZ/DirectIndirectPltclExpendAmt02500
IRS990EZ/DonorAdvisedFndsInd0false
IRS990EZ/ExcessOrDeficitForYearAmt0-3216
IRS990EZ/FeesAndOtherPymtToIndCntrctAmt01500
IRS990EZ/ForeignFinancialAccountInd0false
IRS990EZ/ForeignOfficeInd0false
IRS990EZ/Form1120PolFiledInd0true
IRS990EZ/Form990TotalAssetsGrp/BOYAmt081329
IRS990EZ/Form990TotalAssetsGrp/EOYAmt078113
IRS990EZ/FundraisingGrossIncomeAmt00
IRS990EZ/GainOrLossFromSaleOfAssetsAmt00
IRS990EZ/GamingGrossIncomeAmt00
IRS990EZ/GrantsAndSimilarAmountsPaidAmt05547
IRS990EZ/GrossProfitLossSlsOfInvntryAmt00
IRS990EZ/GrossReceiptsAmt050298
IRS990EZ/InfoInScheduleOPartIIInd0X
IRS990EZ/InfoInScheduleOPartIInd0X
IRS990EZ/InvestmentIncomeAmt07
IRS990EZ/MadeLoansToFromOfficersInd0false
IRS990EZ/MembershipDuesAmt050291
IRS990EZ/MethodOfAccountingCashInd0X
IRS990EZ/NetAssetsOrFundBalancesBOYAmt081329
IRS990EZ/NetAssetsOrFundBalancesEOYAmt078113
IRS990EZ/NetAssetsOrFundBalancesGrp/BOYAmt081329
IRS990EZ/NetAssetsOrFundBalancesGrp/EOYAmt078113
IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt05.00
IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt15.00
IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt25.00
IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt34.00
IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt44.00
IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt54.00
IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt64.00
IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt74.00
IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt84.00
IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt94.00
IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt00
IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt10
IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt20
IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt30
IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt40
IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt50
IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt60
IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt70
IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt80
IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt90
IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm0APRIL COUGHLIN
IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm1AMANDA BALISH
IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm2KATHLEEN JANOCHA
IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm3SCOTT MAYER
IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm4MONIQUE SNIDER
IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm5JESSICA ENGELBRECHT
IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm6JULIA SALAMON
IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm7JAMIE KAHN
IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm8CHRISTINA MCJIMPSEY
IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm9CAROLYN KINSEY
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt0President
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt1Treasurer
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt2Past President
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt3Director
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt4Secretary
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt5Director
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt6Director
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt7Director
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt8Director
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt9Director
IRS990EZ/OperateHospitalInd0false
IRS990EZ/Organization501cInd0X
IRS990EZ/OrganizationDissolvedEtcInd0false
IRS990EZ/OrganizationHadUBIInd0false
IRS990EZ/OtherAssetsTotalDetail/BOYAmt010040
IRS990EZ/OtherAssetsTotalDetail/EOYAmt0471
IRS990EZ/OtherExpensesTotalAmt046066
IRS990EZ/PrimaryExemptPurposeTxt0To educate insurance agents and the public about insurance.
IRS990EZ/PrintingPublicationsPostageAmt0401
IRS990EZ/ProgramServiceRevenueAmt00
IRS990EZ/ProgramSrvcAccomplishmentGrp/DescriptionProgramSrvcAccomTxt0THE ORGANIZATION HELD 10 CONTINUING EDUCATION EVENTS. TOTAL ATTENDANCE APPROXIMATES 900.
IRS990EZ/ProhibitedTaxShelterTransInd0false
IRS990EZ/RelatedOrganizationCtrlEntInd0false
IRS990EZ/ScheduleBNotRequiredInd0X
IRS990EZ/SpecialEventsDirectExpensesAmt00
IRS990EZ/SpecialEventsNetIncomeLossAmt00
IRS990EZ/StatesWhereCopyOfReturnIsFldCd0MD
IRS990EZ/SubjectToProxyTaxInd0true
IRS990EZ/TanningServicesProvidedInd0false
IRS990EZ/TotalExpensesAmt053514
IRS990EZ/TotalRevenueAmt050298
IRS990EZ/TransactionWithControlEntInd0false
IRS990EZ/TypeOfOrganizationCorpInd0X
IRS990EZ/WebsiteAddressTxt0http://www.baltimoreahu.org/
IRS990ScheduleC/AgreeCarryoverPriorYearInd0false
IRS990ScheduleC/Expended527ActivitiesAmt02500
IRS990ScheduleC/Form1120POLFiledInd0true
IRS990ScheduleC/OnlyInHouseLobbyingInd0false
IRS990ScheduleC/PoliticalExpendituresAmt02500
IRS990ScheduleC/Section527PoliticalOrgGrp/EIN0203677682
IRS990ScheduleC/Section527PoliticalOrgGrp/EIN1330993989
IRS990ScheduleC/Section527PoliticalOrgGrp/EIN2000000000
IRS990ScheduleC/Section527PoliticalOrgGrp/EIN3000000000
IRS990ScheduleC/Section527PoliticalOrgGrp/OrganizationBusinessName/BusinessNameLine10Friends of Anthony Brown
IRS990ScheduleC/Section527PoliticalOrgGrp/OrganizationBusinessName/BusinessNameLine11Committee to Elect Jim Brochin
IRS990ScheduleC/Section527PoliticalOrgGrp/OrganizationBusinessName/BusinessNameLine12David Craig for Governor
IRS990ScheduleC/Section527PoliticalOrgGrp/OrganizationBusinessName/BusinessNameLine13Committee to Elect Eric Bromwell
IRS990ScheduleC/Section527PoliticalOrgGrp/PaidInternalFundsAmt0500
IRS990ScheduleC/Section527PoliticalOrgGrp/PaidInternalFundsAmt1250
IRS990ScheduleC/Section527PoliticalOrgGrp/PaidInternalFundsAmt2250
IRS990ScheduleC/Section527PoliticalOrgGrp/PaidInternalFundsAmt31500
IRS990ScheduleC/Section527PoliticalOrgGrp/USAddress/AddressLine1012138 Central Ave 163
IRS990ScheduleC/Section527PoliticalOrgGrp/USAddress/AddressLine11670 Military Ave
IRS990ScheduleC/Section527PoliticalOrgGrp/USAddress/AddressLine12n/a
IRS990ScheduleC/Section527PoliticalOrgGrp/USAddress/AddressLine131 Minte Dr
IRS990ScheduleC/Section527PoliticalOrgGrp/USAddress/City0Bowie
IRS990ScheduleC/Section527PoliticalOrgGrp/USAddress/City1Pikesville
IRS990ScheduleC/Section527PoliticalOrgGrp/USAddress/City2Harford Co
IRS990ScheduleC/Section527PoliticalOrgGrp/USAddress/City3Baltimore
IRS990ScheduleC/Section527PoliticalOrgGrp/USAddress/State0MD
IRS990ScheduleC/Section527PoliticalOrgGrp/USAddress/State1MD
IRS990ScheduleC/Section527PoliticalOrgGrp/USAddress/State2MD
IRS990ScheduleC/Section527PoliticalOrgGrp/USAddress/State3MD
IRS990ScheduleC/Section527PoliticalOrgGrp/USAddress/ZIPCode020721
IRS990ScheduleC/Section527PoliticalOrgGrp/USAddress/ZIPCode121208
IRS990ScheduleC/Section527PoliticalOrgGrp/USAddress/ZIPCode200000
IRS990ScheduleC/Section527PoliticalOrgGrp/USAddress/ZIPCode321236
IRS990ScheduleC/SubstantiallyAllDuesNondedInd0true
IRS990ScheduleC/SupplementalInformationDetail/ExplanationTxt0The organization made contributions to political campaigns in support of health care reform.
IRS990ScheduleC/SupplementalInformationDetail/FormAndLineReferenceDesc0Pt I-A Line 1
IRS990ScheduleC/TotalExemptFunctionExpendAmt02500
IRS990ScheduleC/VolunteerHoursCnt00
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0CHARITABLE EXPENSES OF BAHU CHARITABLE FOUNDATION CHARITABLE BALTIMORE HEALTH UNDERWRITERS CHARITABLE FOUNDATION NONE 5547.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1CONTINUING ED PROCESSING FEES 934. EDUCATION AND SEMINARS 23906. MEALS & ENTERTAINMENT 4337. OFFICE EXPENSES 589. WEBSITE 950. BANK CHARGES 180. CONVENTION 1549. MEMBERSHIP EXPENSE 3153. POLITICAL CONTRIBUTIONS 2500. DEPRECIATION 297. SOFTWARE SUBSCRIPTION 269. MERCHANT FEES 905. ADVERTISING-PUBLIC RADIO 5000. TAXES - 1120POL 216. PENALTY - LATE FILING 1220. INTEREST - IRS 61.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2DUE FROM BHU CHARITABLE TRUST FOUNDATION 9272. 0. PROPERTY AND EQUIPMENT - NET 768. 471.
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0Form 990EZ, Part I, Line 10
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1Form 990EZ, Part I, Line 16
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2Form 990EZ, Part II, Line 24
ReturnHeader/BuildTS02015-11-30 17:44:51Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd0true
ReturnHeader/BusinessOfficerGrp/PersonNm0OLGA KATSIMBRIS
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0TREASURER
ReturnHeader/BusinessOfficerGrp/PhoneNum04107277215
ReturnHeader/BusinessOfficerGrp/SignatureDt02014-04-24
ReturnHeader/Filer/BusinessName/BusinessNameLine10Baltimore Health Underwriters Assoc Inc
ReturnHeader/Filer/BusinessNameControlTxt0BALT
ReturnHeader/Filer/EIN0521616454
ReturnHeader/Filer/PhoneNum04107277215
ReturnHeader/Filer/USAddress/AddressLine10PO Box 308
ReturnHeader/Filer/USAddress/City0Lutherville Timonium
ReturnHeader/Filer/USAddress/State0MD
ReturnHeader/Filer/USAddress/ZIPCode021094
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine10Altitude Financial Services LLC
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1049 Caraway Rd
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/City0Reisterstown
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/State0MD
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCode0211362521
ReturnHeader/PreparerPersonGrp/PhoneNum04436366894
ReturnHeader/PreparerPersonGrp/PreparationDt02014-08-30
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0KARLA S GELDMACHER
ReturnHeader/PreparerPersonGrp/SelfEmployedInd0X
ReturnHeader/ReturnTs02014-08-30T07:00:13-07:00
ReturnHeader/ReturnTypeCd0990EZ
ReturnHeader/TaxPeriodBeginDt02013-01-01
ReturnHeader/TaxPeriodEndDt02013-12-31
ReturnHeader/TaxYr02013

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

Displayed year

2013 • Form 990EZDetailed filing. Detailed filing data is available for this year.

Open filing
Assets
$78,113
Liabilities
-
Net assets
$78,113
Revenue
$50,298
Expenses
$53,514
Net income
-$3,216
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2016Detailed filing. Detailed filing data is available for this year.$77.0$77.0$27.3$29.9$2.57
2015Detailed filing. Detailed filing data is available for this year.$79.6$79.6$37.6$23.9$13.7
2014Detailed filing. Detailed filing data is available for this year.$65.8$65.8$41.4$53.7$12.3
2013Detailed filing. Detailed filing data is available for this year.$78.1$78.1$50.3$53.5$3.22
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$81.3$81.3$46.2$40.3$5.87
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$75.5$75.5$57.8$50.2$7.63
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$77.8$77.8$61.1$32.6$28.5