Civic Intelligence

Mso Inc

EIN 52-1755454 • 501(c)6 • Glen Rock, NJ

View Organization Page

Profile

The organization provides its member companies with a high level of value and individual services. Its mission is to fulfill to its member insurance companies a desired level of customized service. The organization is licensed to provide premium insurance rating, inspection, and other insurance related services for subscribing property and liability insurance companies in all states and washington, dc. Fees for such services, which are generally based upon premiums written by the insurance companies, are billed quarterly and are recognized as income over the assessment period. In addition, the organization provides educational services to the property and casualty industry for the continued education of insureds, agents/brokers, and insurance carriers and their staffs.

139 Harristown Road 100Glen Rock, NJ 07452

www.msonet.com

Siviq Scores

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

Liabilities / Assets

50th percentile

0.15x

Higher debt load relative to assets than 50% of similar nonprofits.

501(c)6 • $1M-$5M nonprofits • Source year 2022

Liabilities / Revenue

33rd percentile

0.06x

Higher debt load relative to revenue than 33% of similar nonprofits.

501(c)6 • $1M-$5M nonprofits • Source year 2022

Net Margin

34th percentile

-0.1%

Higher net margin than 34% of similar nonprofits.

501(c)6 • $1M-$5M nonprofits • Source year 2022

Top Officer Pay

Score unavailable

No value available

No filing with officer rows is available for this organization yet.

Asset Growth

38th percentile

1.9%

Faster asset growth than 38% of similar nonprofits.

501(c)6 • $1M-$5M nonprofits • Annualized from 2021 to 2022

Revenue Growth

14th percentile

-8.4%

Faster revenue growth than 14% of similar nonprofits.

501(c)6 • $1M-$5M nonprofits • Annualized from 2021 to 2022

Balance Sheet
Liabilities / Assets50th percentile

Assets

Up

$3,377,940

Up $992,554 (+42%) from 2024

Liabilities

Down

$192,230

Down $52,527 (-21%) from 2024

Net Assets

Up

$3,185,710

Up $1,045,081 (+49%) from 2024

Operations
Liabilities / Revenue33rd percentileNet Margin34th percentile

Revenue

Up

$4,328,412

Up $542,672 (+14%) from 2024

Expenses

Up

$3,366,990

Up $184,798 (+5.8%) from 2024

Net Income

Up

$961,422

Up $357,874 (+59%) from 2024

Trend Graphs

Balance Sheet Trend

Asset Growth38th percentile

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

$4.0M$3.0M$2.0M$1.0M$0Assets 2010: $1,491,140Liabilities 2010: $153,035Net Assets 2010: $1,338,1052010Assets 2011: $1,651,972Liabilities 2011: $61,579Net Assets 2011: $1,590,3932011Assets 2012: $1,853,484Liabilities 2012: $181,832Net Assets 2012: $1,671,6522012Assets 2013: $2,066,930Liabilities 2013: $190,960Net Assets 2013: $1,875,9702013Assets 2014: $2,171,088Liabilities 2014: $123,249Net Assets 2014: $2,047,8392014Assets 2015: $1,902,392Liabilities 2015: $139,531Net Assets 2015: $1,762,8612015Assets 2016: $1,826,407Liabilities 2016: $131,236Net Assets 2016: $1,695,1712016Assets 2017: $1,696,333Liabilities 2017: $135,084Net Assets 2017: $1,561,2492017Assets 2018: $1,537,972Liabilities 2018: $201,071Net Assets 2018: $1,336,9012018Assets 2019: $1,460,587Liabilities 2019: $381,144Net Assets 2019: $1,079,4432019Assets 2020: $1,141,446Liabilities 2020: $322,864Net Assets 2020: $818,5822020Assets 2021: $1,212,682Liabilities 2021: $147,834Net Assets 2021: $1,064,8482021Assets 2022: $1,236,161Liabilities 2022: $179,440Net Assets 2022: $1,056,7212022Assets 2023: $1,776,742Liabilities 2023: $238,298Net Assets 2023: $1,538,4442023Assets 2024: $2,385,386Liabilities 2024: $244,757Net Assets 2024: $2,140,6292024Assets 2025: $3,377,940Liabilities 2025: $192,230Net Assets 2025: $3,185,7102025

Highlighted filing

2025

Assets$3,377,940
Liabilities$192,230
Net Assets$3,185,710
Open 2025 Filing

Operations Trend

Revenue Growth14th percentile

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

$6.0M$4.0M$2.0M$0-$2.0MExpenses 2010: $2,462,9262010Expenses 2011: $2,443,4652011Expenses 2012: $2,567,7952012Revenue 2013: $2,796,669Expenses 2013: $2,592,351Net Income 2013: $204,3182013Revenue 2014: $2,929,513Expenses 2014: $2,757,644Net Income 2014: $171,8692014Revenue 2015: $2,613,809Expenses 2015: $2,898,787Net Income 2015: -$284,9782015Revenue 2016: $2,663,041Expenses 2016: $2,730,731Net Income 2016: -$67,6902016Revenue 2017: $2,661,291Expenses 2017: $2,795,213Net Income 2017: -$133,9222017Revenue 2018: $2,595,224Expenses 2018: $2,815,298Net Income 2018: -$220,0742018Revenue 2019: $2,566,563Expenses 2019: $2,831,703Net Income 2019: -$265,1402019Revenue 2020: $2,510,858Expenses 2020: $2,769,337Net Income 2020: -$258,4792020Revenue 2021: $3,078,456Expenses 2021: $2,827,839Net Income 2021: $250,6172021Revenue 2022: $2,818,417Expenses 2022: $2,821,116Net Income 2022: -$2,6992022Revenue 2023: $3,320,617Expenses 2023: $2,850,176Net Income 2023: $470,4412023Revenue 2024: $3,785,740Expenses 2024: $3,182,192Net Income 2024: $603,5482024Revenue 2025: $4,328,412Expenses 2025: $3,366,990Net Income 2025: $961,4222025

Highlighted filing

2025

Revenue$4,328,412
Expenses$3,366,990
Net Income$961,422
Open 2025 Filing

Filings

Most recent year

2025 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$3,377,940
Liabilities
$192,230
Net assets
$3,185,710
Revenue
$4,328,412
Expenses
$3,366,990
Net income
$961,422
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2025Detailed filing. Detailed filing data is available for this year.$3.38$0.19$3.19$4.33$3.37$0.96
2024Detailed filing. Detailed filing data is available for this year.$2.39$0.24$2.14$3.79$3.18$0.60
2023Detailed filing. Detailed filing data is available for this year.$1.78$0.24$1.54$3.32$2.85$0.47
2022Detailed filing. Detailed filing data is available for this year.$1.24$0.18$1.06$2.82$2.82$0.00
2021Detailed filing. Detailed filing data is available for this year.$1.21$0.15$1.06$3.08$2.83$0.25
2020Detailed filing. Detailed filing data is available for this year.$1.14$0.32$0.82$2.51$2.77$0.26
2019Detailed filing. Detailed filing data is available for this year.$1.46$0.38$1.08$2.57$2.83$0.27
2018Detailed filing. Detailed filing data is available for this year.$1.54$0.20$1.34$2.60$2.82$0.22
2017Detailed filing. Detailed filing data is available for this year.$1.70$0.14$1.56$2.66$2.80$0.13
2016Detailed filing. Detailed filing data is available for this year.$1.83$0.13$1.70$2.66$2.73$0.07
2015Detailed filing. Detailed filing data is available for this year.$1.90$0.14$1.76$2.61$2.90$0.28
2014Detailed filing. Detailed filing data is available for this year.$2.17$0.12$2.05$2.93$2.76$0.17
2013Detailed filing. Detailed filing data is available for this year.$2.07$0.19$1.88$2.80$2.59$0.20
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$1.85$0.18$1.67$2.57
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$1.65$0.06$1.59$2.44
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$1.49$0.15$1.34$2.46
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2025 to Dec 31, 2025
Signed
Mar 24, 2026
Return Version
2025v4.0
Gross Receipts
$5,068,985
Mission and Program Overview

Mission

The organization's goal is to provide small to mid-size insurers with a simplified and cost effective way to underwrite risks.

The organization's purpose and mission is to provide property & casualty insurance carriers with commercial and personal lines programs which include forms, rates, and /or loss costs. These programs will be developed and filed as needed in the us domestic market. The intellectual property created will be made available under a subscriber agreement model at a reasonable market based cost. In addition, as part of its mission mso provides educational services to the property and casualty industry for the continued education of insureds, agents/brokers, and insurance carriers and their staffs.

Balance Sheet Detail
LineBeginningEndChange
Assets
Investments in Publicly Traded Securities$801,695$1,822,615▲ $1,020,920
Land, Buildings, and Equipment, Net$613,071$670,841▲ $57,770
Savings and Temporary Cash Investments$532,988$378,043▼ $154,945
Accounts Receivable$178,782$270,111▲ $91,329
Prepaid Expenses and Deferred Charges$122,303$151,813▲ $29,510
Cash and Non-Interest-Bearing Accounts$56,297$29,220▼ $27,077
Total Assets$2,385,386$3,377,940▲ $992,554
Other Assets Total$80,250$55,297▼ $24,953
Liabilities
Other Liabilities$130,139$109,808▼ $20,331
Accounts Payable and Accrued Expenses$114,618$82,422▼ $32,196
Total Liabilities$244,757$192,230▼ $52,527
Net Assets / Fund Balance
Net Assets Without Donor Restrictions$2,140,629$3,185,710▲ $1,045,081
Total Net Assets Fund Balance$2,140,629$3,185,710▲ $1,045,081
Total Liabilities and Net Assets / Fund Balance$2,385,386$3,377,940▲ $992,554

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$390,142$2,982,720$3,372,862
Equipment$44,879$267,824$312,703
Land$230,510-$230,510
Other Land Buildings$5,310$7,704$13,014
Compensation and Service Providers
Top Officer PayScore unavailable

Employees

NameTitleFull / Part TimeBaseOtherTotal
Janice ScitesPresident & CEOFT$309,159$12,035$321,194
Sue QuimbySr. Vice President, Media EditorFT$136,654$15,500$152,154
Leopold BlackVice President, Actuarial ServicesFT$129,556$15,277$144,833
Patrice RiggioVice President of Complinace ServicesFT$127,290$14,706$141,996
Mary BeegleVice President, National ProgramsFT$110,789$21,371$132,160
Debra KlineAssistant Vice President,operationsFT$117,005$14,692$131,697
Richard PelkofskyAssistant Vice PresidentFT$115,530$14,772$130,302
Jan KozlowskiSr Vice PresidentFT$71,371$2,869$74,240
Donald Scott St AngelChairman-$12,500-$12,500
Allen Ray SorensenVice Chairman-$8,250-$8,250
Brian P LytwynecTrustee-$7,000-$7,000
Michael L FaronTrustee-$7,000-$7,000
Edward D ArovasTrustee-$6,000-$6,000
Eric P SchmaderTrustee-$6,000-$6,000
James R DohertyTreasurer-$6,000-$6,000
Karen S FultonTrustee-$4,500-$4,500
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$4,258,798
Investment Income
$62,443
Other Revenue
$7,171
Change in Net Assets
$961,422

Audited Revenue Reconciliation

Revenue per Audited Statements
$4,322,368
Revenue Not Reported on Financial Statements
$6,044
Revenue Not Reported on Form 990
$89,703
Total Revenue per Audited Statements
$4,412,071
Total Revenue per Form 990
$4,328,412
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Salaries, Compensation, and Employee Benefits$2,352,253
Other Expenses$1,014,737
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Current Officers, Directors, Trustees, and Key Employees---$1,228,573
Other Salaries and Wages---$919,271
Payroll Taxes---$153,750
Conferences and Meetings---$96,680
Fees for Services Other---$82,357
Office Expenses---$63,639
Insurance---$38,133
Travel---$33,622
Depreciation Depletion---$32,205
Other Expenses---$28,409
Other Employee Benefits---$27,161
Fees for Services Accounting---$24,813
Pension Plan Contributions---$23,498
Fees for Services Legal---$22,803
Occupancy---$11,921
Total Functional Expenses$0$0$0$3,366,990

Audited Expense Reconciliation

Line ItemAmount
Expenses per Audited Statements$3,366,990
Total Expenses per Audited Statements$3,366,990
Total Expenses per Form 990$3,366,990
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
Operating Lease Obligation$55,297
Security Deposits$54,511
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
Yes
Audit committee
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
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

“Membership is open to any insurer authorized to write lines of insurance to which mso is authorized to act and who signs a membership agreement accepting the terms, provisions and rules of mso.”

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

“Mso holds its annual meeting in may of each year and at that meeting the members elect trustees to the board.”

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

“The by-laws of mso provide that the members can consider, act and act upon the acts of the officers and trustees.”

Form 990, Part VI, Section B, Line 11B

“The board reviews 990 prior to filing. All members of the board are provided with electronic copies of the return for review and comment before it is filed.”

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

“Each member of the board has to complete an annual questionnaire and disclose any potential conflict of interests.”

Form 990, Part VI, Section B, Line 15

“The compensation process for top officials and officers is completed by the compensation committee and the board.”

Form 990, Part VI, Section C, Line 19

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

Filing and Contact Details

Filer

Filer Name
Mso Inc
EIN
52-1755454
Phone
2014476900
Address
139 HARRISTOWN ROAD 100, GLEN ROCK, NJ 07452

Signing Officer

Name
Janice Scites
Title
President & CEO
Phone
2014476900
Signed
2026-03-24
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Janice Scites
Formed
1991
Legal Domicile
Nj
Voting Board Members
9
Independent Board Members
8
Employees
21
Volunteers
0

Preparer

Firm
Dorfman Abrams Music LLC
Address
250 PEHLE AVE SUITE 702, SADDLE BROOK, NJ 07663
Preparer
Patricia Diaz CPA
Phone
2014039750
Supplemental Narrative

Additional Explanations

FORM 990, PART XII, LINE 2C:

“Process has not changed from prior year”

Financial Statement Notes

PART X, LINE 2:

“The organization has processes presently in place to ensure the maintenance of its tax-exempt status; to identify and report unrelated income; to determine its filing and tax obligations in jurisdictions for which it has nexus; and to identify and evaluate other matters that may be considered tax positions. The organization has determined that there are no material uncertain tax positions that require recognition or disclosure in the financial statements.”

Raw XML AppendixShowing 400 of 478 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/AccountantCompileOrReviewInd00
IRS990/AccountsPayableAccrExpnssGrp/BOYAmt0114618
IRS990/AccountsPayableAccrExpnssGrp/EOYAmt082422
IRS990/AccountsReceivableGrp/BOYAmt0178782
IRS990/AccountsReceivableGrp/EOYAmt0270111
IRS990/ActivitiesConductedPrtshpInd00
IRS990/ActivityOrMissionDesc0THE ORGANIZATION'S PURPOSE AND MISSION IS TO PROVIDE PROPERTY & CASUALTY INSURANCE CARRIERS WITH COMMERCIAL AND PERSONAL LINES PROGRAMS WHICH INCLUDE FORMS, RATES, AND /OR LOSS COSTS. THESE PROGRAMS WILL BE DEVELOPED AND FILED AS NEEDED IN THE US DOMESTIC MARKET. THE INTELLECTUAL PROPERTY CREATED WILL BE MADE AVAILABLE UNDER A SUBSCRIBER AGREEMENT MODEL AT A REASONABLE MARKET BASED COST. IN ADDITION, AS PART OF ITS MISSION MSO PROVIDES EDUCATIONAL SERVICES TO THE PROPERTY AND CASUALTY INDUSTRY FOR THE CONTINUED EDUCATION OF INSUREDS, AGENTS/BROKERS, AND INSURANCE CARRIERS AND THEIR STAFFS.
IRS990/AnnualDisclosureCoveredPrsnInd01
IRS990/AuditCommitteeInd01
IRS990/BooksInCareOfDetail/BusinessName/BusinessNameLine1Txt0JANICE SCITES CEO & PRESIDENT - MSOINC
IRS990/BooksInCareOfDetail/PhoneNum02014476900
IRS990/BooksInCareOfDetail/USAddress/AddressLine1Txt0139 HARRISTOWN ROAD
IRS990/BooksInCareOfDetail/USAddress/CityNm0GLEN ROCK
IRS990/BooksInCareOfDetail/USAddress/StateAbbreviationCd0NJ
IRS990/BooksInCareOfDetail/USAddress/ZIPCd007452
IRS990/BusinessRlnWith35CtrlEntInd00
IRS990/BusinessRlnWithFamMemInd00
IRS990/BusinessRlnWithOrgMemInd00
IRS990/CashNonInterestBearingGrp/BOYAmt056297
IRS990/CashNonInterestBearingGrp/EOYAmt029220
IRS990/ChangeToOrgDocumentsInd00
IRS990/CntrctRcvdGreaterThan100KCnt00
IRS990/CollectionsOfArtInd00
IRS990/CompCurrentOfcrDirectorsGrp/TotalAmt01228573
IRS990/CompensationFromOtherSrcsInd00
IRS990/CompensationProcessCEOInd01
IRS990/CompensationProcessOtherInd01
IRS990/ConferencesMeetingsGrp/TotalAmt096680
IRS990/ConflictOfInterestPolicyInd01
IRS990/ConservationEasementsInd00
IRS990/ConsolidatedAuditFinclStmtInd00
IRS990/CreditCounselingInd00
IRS990/CYBenefitsPaidToMembersAmt00
IRS990/CYContributionsGrantsAmt00
IRS990/CYGrantsAndSimilarPaidAmt00
IRS990/CYInvestmentIncomeAmt062443
IRS990/CYOtherExpensesAmt01014737
IRS990/CYOtherRevenueAmt07171
IRS990/CYProgramServiceRevenueAmt04258798
IRS990/CYRevenuesLessExpensesAmt0961422
IRS990/CYSalariesCompEmpBnftPaidAmt02352253
IRS990/CYTotalExpensesAmt03366990
IRS990/CYTotalFundraisingExpenseAmt00
IRS990/CYTotalProfFndrsngExpnsAmt00
IRS990/CYTotalRevenueAmt04328412
IRS990/DecisionsSubjectToApprovaInd01
IRS990/DeductibleArtContributionInd00
IRS990/DeductibleNonCashContriInd00
IRS990/DelegationOfMgmtDutiesInd00
IRS990/DepreciationDepletionGrp/TotalAmt032205
IRS990/Desc0THE ORGANIZATION PROVIDED ITS 31 MEMBERS WITH A VARIETY OF INSURANCE RELATED SERVICES INCLUDING: -PROVIDING RATING, STATISTICAL, ACTUARIAL, POLICY FORMS AND RELATED SERVICES; -STATISTICAL INFORMATION PERTAINING TO RISKS; -TO WORK FOR THE BETTERMENT OF THE INSURANCE INDUSTRY AND BEHALF OF ITS MEMBERS.
IRS990/DescribedInSection501c3Ind00
IRS990/DisregardedEntityInd00
IRS990/DocumentRetentionPolicyInd01
IRS990/DonorAdvisedFundInd00
IRS990/DonorRstrOrQuasiEndowmentsInd00
IRS990/ElectionOfBoardMembersInd01
IRS990/EmployeeCnt021
IRS990/EmploymentTaxReturnsFiledInd01
IRS990/FamilyOrBusinessRlnInd00
IRS990/FederalGrantAuditRequiredInd00
IRS990/FeesForServicesAccountingGrp/TotalAmt024813
IRS990/FeesForServicesLegalGrp/TotalAmt022803
IRS990/FeesForServicesOtherGrp/TotalAmt082357
IRS990/ForeignActivitiesInd00
IRS990/ForeignFinancialAccountInd00
IRS990/ForeignOfficeInd00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt01.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt11.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt21.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt31.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt41.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt51.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt61.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt71.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt840.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt940.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt1040.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt1140.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt1240.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt1340.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt1440.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt1540.00
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd0X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd1X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd2X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd3X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd4X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd5X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd6X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd7X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd8X
IRS990/Form990PartVIISectionAGrp/OfficerInd0X
IRS990/Form990PartVIISectionAGrp/OfficerInd1X
IRS990/Form990PartVIISectionAGrp/OfficerInd2X
IRS990/Form990PartVIISectionAGrp/OfficerInd3X
IRS990/Form990PartVIISectionAGrp/OfficerInd4X
IRS990/Form990PartVIISectionAGrp/OfficerInd5X
IRS990/Form990PartVIISectionAGrp/OfficerInd6X
IRS990/Form990PartVIISectionAGrp/OfficerInd7X
IRS990/Form990PartVIISectionAGrp/OfficerInd8X
IRS990/Form990PartVIISectionAGrp/OfficerInd9X
IRS990/Form990PartVIISectionAGrp/OfficerInd10X
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt00
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt10
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt20
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt30
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt40
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt50
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt60
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt70
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt812035
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt92869
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt1014772
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt1114692
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt1215277
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt1321371
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt1415500
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt1514706
IRS990/Form990PartVIISectionAGrp/PersonNm0MICHAEL L FARON
IRS990/Form990PartVIISectionAGrp/PersonNm1BRIAN P LYTWYNEC
IRS990/Form990PartVIISectionAGrp/PersonNm2EDWARD D AROVAS
IRS990/Form990PartVIISectionAGrp/PersonNm3ERIC P SCHMADER
IRS990/Form990PartVIISectionAGrp/PersonNm4KAREN S FULTON
IRS990/Form990PartVIISectionAGrp/PersonNm5DONALD SCOTT ST ANGEL
IRS990/Form990PartVIISectionAGrp/PersonNm6ALLEN RAY SORENSEN
IRS990/Form990PartVIISectionAGrp/PersonNm7JAMES R DOHERTY
IRS990/Form990PartVIISectionAGrp/PersonNm8JANICE SCITES
IRS990/Form990PartVIISectionAGrp/PersonNm9JAN KOZLOWSKI
IRS990/Form990PartVIISectionAGrp/PersonNm10RICHARD PELKOFSKY
IRS990/Form990PartVIISectionAGrp/PersonNm11DEBRA KLINE
IRS990/Form990PartVIISectionAGrp/PersonNm12LEOPOLD BLACK
IRS990/Form990PartVIISectionAGrp/PersonNm13MARY BEEGLE
IRS990/Form990PartVIISectionAGrp/PersonNm14SUE QUIMBY
IRS990/Form990PartVIISectionAGrp/PersonNm15PATRICE RIGGIO
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt07000
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt17000
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt26000
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt36000
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt44500
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt512500
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt68250
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt76000
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt8309159
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt971371
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt10115530
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt11117005
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt12129556
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt13110789
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt14136654
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt15127290
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt00
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt10
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt20
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt30
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt40
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt50
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt60
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt70
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt80
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt90
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt100
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt110
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt120
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt130
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt140
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt150
IRS990/Form990PartVIISectionAGrp/TitleTxt0TRUSTEE
IRS990/Form990PartVIISectionAGrp/TitleTxt1TRUSTEE
IRS990/Form990PartVIISectionAGrp/TitleTxt2TRUSTEE
IRS990/Form990PartVIISectionAGrp/TitleTxt3TRUSTEE
IRS990/Form990PartVIISectionAGrp/TitleTxt4TRUSTEE
IRS990/Form990PartVIISectionAGrp/TitleTxt5CHAIRMAN
IRS990/Form990PartVIISectionAGrp/TitleTxt6VICE CHAIRMAN
IRS990/Form990PartVIISectionAGrp/TitleTxt7TREASURER
IRS990/Form990PartVIISectionAGrp/TitleTxt8PRESIDENT & CEO
IRS990/Form990PartVIISectionAGrp/TitleTxt9SR VICE PRESIDENT
IRS990/Form990PartVIISectionAGrp/TitleTxt10ASSISTANT VICE PRESIDENT
IRS990/Form990PartVIISectionAGrp/TitleTxt11ASSISTANT VICE PRESIDENT,OPERATIONS
IRS990/Form990PartVIISectionAGrp/TitleTxt12VICE PRESIDENT, ACTUARIAL SERVICES
IRS990/Form990PartVIISectionAGrp/TitleTxt13VICE PRESIDENT, NATIONAL PROGRAMS
IRS990/Form990PartVIISectionAGrp/TitleTxt14SR. VICE PRESIDENT, MEDIA EDITOR
IRS990/Form990PartVIISectionAGrp/TitleTxt15VICE PRESIDENT OF COMPLINACE SERVICES
IRS990/Form990ProvidedToGvrnBodyInd01
IRS990/FormationYr01991
IRS990/FormerOfcrEmployeesListedInd00
IRS990/FSAuditedBasisGrp/SeparateBasisFinclStmtInd0X
IRS990/FSAuditedInd01
IRS990/FundraisingActivitiesInd00
IRS990/GainOrLossGrp/SecuritiesAmt011453
IRS990/GamingActivitiesInd00
IRS990/GoverningBodyVotingMembersCnt09
IRS990/GrantsToIndividualsInd00
IRS990/GrantsToOrganizationsInd00
IRS990/GrantToRelatedPersonInd00
IRS990/GrossAmountSalesAssetsGrp/SecuritiesAmt0287102
IRS990/GrossReceiptsAmt05068985
IRS990/GrossRentsGrp/RealAmt0448641
IRS990/GroupReturnForAffiliatesInd00
IRS990/IncludeFIN48FootnoteInd01
IRS990/IndependentAuditFinclStmtInd01
IRS990/IndependentVotingMemberCnt08
IRS990/IndivRcvdGreaterThan100KCnt07
IRS990/IndoorTanningServicesInd00
IRS990/InfoInScheduleOPartIIIInd0X
IRS990/InfoInScheduleOPartVIInd0X
IRS990/InfoInScheduleOPartXIIInd0X
IRS990/InsuranceGrp/TotalAmt038133
IRS990/InvestmentExpenseAmt0-6044
IRS990/InvestmentIncomeGrp/ExclusionAmt050990
IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt050990
IRS990/InvestmentInJointVentureInd00
IRS990/InvestmentsPubTradedSecGrp/BOYAmt0801695
IRS990/InvestmentsPubTradedSecGrp/EOYAmt01822615
IRS990/IRPDocumentCnt026
IRS990/IRPDocumentW2GCnt00
IRS990/LandBldgEquipAccumDeprecAmt03258248
IRS990/LandBldgEquipBasisNetGrp/BOYAmt0613071
IRS990/LandBldgEquipBasisNetGrp/EOYAmt0670841
IRS990/LandBldgEquipCostOrOtherBssAmt03929089
IRS990/LegalDomicileStateCd0NJ
IRS990/LessCostOthBasisSalesExpnssGrp/SecuritiesAmt0275649
IRS990/LessRentalExpensesGrp/RealAmt0464924
IRS990/LoanOutstandingInd00
IRS990/LocalChaptersInd00
IRS990/MaterialDiversionOrMisuseInd00
IRS990/MembersOrStockholdersInd01
IRS990/MethodOfAccountingAccrualInd0X
IRS990/MinutesOfCommitteesInd01
IRS990/MinutesOfGoverningBodyInd01
IRS990/MissionDesc0THE ORGANIZATION PROVIDES ITS MEMBER COMPANIES WITH A HIGH LEVEL OF VALUE AND INDIVIDUAL SERVICES. ITS MISSION IS TO FULFILL TO ITS MEMBER INSURANCE COMPANIES A DESIRED LEVEL OF CUSTOMIZED SERVICE. THE ORGANIZATION IS LICENSED TO PROVIDE PREMIUM INSURANCE RATING, INSPECTION, AND OTHER INSURANCE RELATED SERVICES FOR SUBSCRIBING PROPERTY AND LIABILITY INSURANCE COMPANIES IN ALL STATES AND WASHINGTON, DC. FEES FOR SUCH SERVICES, WHICH ARE GENERALLY BASED UPON PREMIUMS WRITTEN BY THE INSURANCE COMPANIES, ARE BILLED QUARTERLY AND ARE RECOGNIZED AS INCOME OVER THE ASSESSMENT PERIOD. IN ADDITION, THE ORGANIZATION PROVIDES EDUCATIONAL SERVICES TO THE PROPERTY AND CASUALTY INDUSTRY FOR THE CONTINUED EDUCATION OF INSUREDS, AGENTS/BROKERS, AND INSURANCE CARRIERS AND THEIR STAFFS.
IRS990/MoreThan5000KToIndividualsInd00
IRS990/MoreThan5000KToOrgInd00
IRS990/NetAssetsOrFundBalancesBOYAmt02140629
IRS990/NetAssetsOrFundBalancesEOYAmt03185710
IRS990/NetGainOrLossInvestmentsGrp/ExclusionAmt011453
IRS990/NetGainOrLossInvestmentsGrp/TotalRevenueColumnAmt011453
IRS990/NetRentalIncomeOrLossGrp/ExclusionAmt0-16283
IRS990/NetRentalIncomeOrLossGrp/TotalRevenueColumnAmt0-16283
IRS990/NetUnrelatedBusTxblIncmAmt00
IRS990/NetUnrlzdGainsLossesInvstAmt089703
IRS990/NoDonorRestrictionNetAssetsGrp/BOYAmt02140629
IRS990/NoDonorRestrictionNetAssetsGrp/EOYAmt03185710
IRS990/NondeductibleContributionsInd00
IRS990/OccupancyGrp/TotalAmt011921
IRS990/OfficeExpensesGrp/TotalAmt063639
IRS990/OfficerMailingAddressInd00
IRS990/OperateHospitalInd00
IRS990/Organization501cInd0X
IRS990/OrganizationFollowsFASB117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt080250
IRS990/OtherAssetsTotalGrp/EOYAmt055297
IRS990/OtherChangesInNetAssetsAmt00
IRS990/OtherEmployeeBenefitsGrp/TotalAmt027161
IRS990/OtherExpensesGrp/Desc0PRODUCT EXPENSES
IRS990/OtherExpensesGrp/Desc1COMPUTER AND RELATED EX
IRS990/OtherExpensesGrp/Desc2DUES AND SUBSCRIPTIONS
IRS990/OtherExpensesGrp/Desc3TELEPHONE
IRS990/OtherExpensesGrp/TotalAmt0267492
IRS990/OtherExpensesGrp/TotalAmt1216541
IRS990/OtherExpensesGrp/TotalAmt296122
IRS990/OtherExpensesGrp/TotalAmt328409
IRS990/OtherLiabilitiesGrp/BOYAmt0130139
IRS990/OtherLiabilitiesGrp/EOYAmt0109808
IRS990/OtherRevenueMiscGrp/BusinessCd0522299
IRS990/OtherRevenueMiscGrp/Desc0MISCELLANEOUS REVENUE
IRS990/OtherRevenueMiscGrp/ExclusionAmt023454
IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt023454
IRS990/OtherRevenueTotalAmt023454
IRS990/OtherSalariesAndWagesGrp/TotalAmt0919271
IRS990/PartialLiquidationInd00
IRS990/PayrollTaxesGrp/TotalAmt0153750
IRS990/PensionPlanContributionsGrp/TotalAmt023498
IRS990/PoliticalCampaignActyInd00
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt0122303
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt0151813
IRS990/PrincipalOfficerNm0JANICE SCITES
IRS990/ProfessionalFundraisingInd00
IRS990/ProgramServiceRevenueGrp/BusinessCd0522299
IRS990/ProgramServiceRevenueGrp/BusinessCd1522299
IRS990/ProgramServiceRevenueGrp/BusinessCd2522299
IRS990/ProgramServiceRevenueGrp/Desc0FEE INCOME
IRS990/ProgramServiceRevenueGrp/Desc1AUDIT & OTHER SERVICES
IRS990/ProgramServiceRevenueGrp/Desc2PRINTING INCOME
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt03768464
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt1489404
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt2930
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt03768464
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt1489404
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt2930
IRS990/ProhibitedTaxShelterTransInd00
IRS990/PYBenefitsPaidToMembersAmt00
IRS990/PYContributionsGrantsAmt00
IRS990/PYGrantsAndSimilarPaidAmt00
IRS990/PYInvestmentIncomeAmt020075
IRS990/PYOtherExpensesAmt0953338
IRS990/PYOtherRevenueAmt035416
IRS990/PYProgramServiceRevenueAmt03730249
IRS990/PYRevenuesLessExpensesAmt0603548
IRS990/PYSalariesCompEmpBnftPaidAmt02228854
IRS990/PYTotalExpensesAmt03182192
IRS990/PYTotalProfFndrsngExpnsAmt00
IRS990/PYTotalRevenueAmt03785740
IRS990/ReconcilationRevenueExpnssAmt0961422
IRS990/RegularMonitoringEnfrcInd01
IRS990/RelatedEntityInd00
IRS990/RelatedOrganizationCtrlEntInd00
IRS990/RentalIncomeOrLossGrp/RealAmt0-16283
IRS990/ReportInvestmentsOtherSecInd00
IRS990/ReportLandBuildingEquipmentInd01
IRS990/ReportOtherAssetsInd00
IRS990/ReportOtherLiabilitiesInd01
IRS990/ReportProgramRelatedInvstInd00
IRS990/SavingsAndTempCashInvstGrp/BOYAmt0532988
IRS990/SavingsAndTempCashInvstGrp/EOYAmt0378043
IRS990/ScheduleBRequiredInd00
IRS990ScheduleD/BuildingsGrp/BookValueAmt0390142
IRS990ScheduleD/BuildingsGrp/DepreciationAmt02982720
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt03372862
IRS990ScheduleD/EquipmentGrp/BookValueAmt044879
IRS990ScheduleD/EquipmentGrp/DepreciationAmt0267824
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt0312703
IRS990ScheduleD/ExpensesNotReportedAmt00
IRS990ScheduleD/ExpensesNotRptFinclStmtAmt00
IRS990ScheduleD/ExpensesSubtotalAmt03366990
IRS990ScheduleD/FootnoteTextInd0X
IRS990ScheduleD/InvestmentExpensesNotIncldAmt06044
IRS990ScheduleD/LandGrp/BookValueAmt0230510
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt0230510
IRS990ScheduleD/NetUnrealizedGainsInvstAmt089703
IRS990ScheduleD/OtherLandBuildingsGrp/BookValueAmt05310
IRS990ScheduleD/OtherLandBuildingsGrp/DepreciationAmt07704
IRS990ScheduleD/OtherLandBuildingsGrp/OtherCostOrOtherBasisAmt013014
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt054511
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt155297
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0SECURITY DEPOSITS
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc1OPERATING LEASE OBLIGATION
IRS990ScheduleD/RevenueNotReportedAmt089703
IRS990ScheduleD/RevenueNotReportedFinclStmtAmt06044
IRS990ScheduleD/RevenueSubtotalAmt04322368
IRS990ScheduleD/SupplementalInformationDetail/ExplanationTxt0THE ORGANIZATION HAS PROCESSES PRESENTLY IN PLACE TO ENSURE THE MAINTENANCE OF ITS TAX-EXEMPT STATUS; TO IDENTIFY AND REPORT UNRELATED INCOME; TO DETERMINE ITS FILING AND TAX OBLIGATIONS IN JURISDICTIONS FOR WHICH IT HAS NEXUS; AND TO IDENTIFY AND EVALUATE OTHER MATTERS THAT MAY BE CONSIDERED TAX POSITIONS. THE ORGANIZATION HAS DETERMINED THAT THERE ARE NO MATERIAL UNCERTAIN TAX POSITIONS THAT REQUIRE RECOGNITION OR DISCLOSURE IN THE FINANCIAL STATEMENTS.
IRS990ScheduleD/SupplementalInformationDetail/FormAndLineReferenceDesc0PART X, LINE 2:
IRS990ScheduleD/TotalBookValueLandBuildingsAmt0670841
IRS990ScheduleD/TotalExpensesPerForm990Amt03366990
IRS990ScheduleD/TotalLiabilityAmt0109808
IRS990ScheduleD/TotalRevenuePerForm990Amt04328412
IRS990ScheduleD/TotalRevEtcAuditedFinclStmtAmt04412071
IRS990ScheduleD/TotExpnsEtcAuditedFinclStmtAmt03366990
IRS990ScheduleJ/BoardOrCommitteeApprovalInd0X
IRS990ScheduleJ/CompensationCommitteeInd0X
IRS990ScheduleJ/EquityBasedCompArrngmInd00
IRS990/ScheduleJRequiredInd01
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt0309159
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt1136654
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount10
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusRelatedOrganizationsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusRelatedOrganizationsAmt10
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompensationBasedOnRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompensationBasedOnRltdOrgsAmt10
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990FilingOrgAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990FilingOrgAmt10
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990RltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990RltdOrgsAmt10
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompensationFlngOrgAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompensationFlngOrgAmt13853
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompRltdOrgsAmt10
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsFilingOrgAmt012035
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsFilingOrgAmt111647
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsRltdOrgsAmt10
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationFilingOrgAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationFilingOrgAmt10
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationRltdOrgsAmt10
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm0JANICE SCITES
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm1SUE QUIMBY
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt0PRESIDENT & CEO
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt1SR. VICE PRESIDENT, MEDIA EDITOR
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationFilingOrgAmt0321194
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationFilingOrgAmt1152154
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationRltdOrgsAmt10
IRS990ScheduleJ/SeverancePaymentInd00
IRS990ScheduleJ/SupplementalNonqualRtrPlanInd00
IRS990/ScheduleORequiredInd01
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0MEMBERSHIP IS OPEN TO ANY INSURER AUTHORIZED TO WRITE LINES OF INSURANCE TO WHICH MSO IS AUTHORIZED TO ACT AND WHO SIGNS A MEMBERSHIP AGREEMENT ACCEPTING THE TERMS, PROVISIONS AND RULES OF MSO.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1MSO HOLDS ITS ANNUAL MEETING IN MAY OF EACH YEAR AND AT THAT MEETING THE MEMBERS ELECT TRUSTEES TO THE BOARD.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2THE BY-LAWS OF MSO PROVIDE THAT THE MEMBERS CAN CONSIDER, ACT AND ACT UPON THE ACTS OF THE OFFICERS AND TRUSTEES.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3THE BOARD REVIEWS 990 PRIOR TO FILING. ALL MEMBERS OF THE BOARD ARE PROVIDED WITH ELECTRONIC COPIES OF THE RETURN FOR REVIEW AND COMMENT BEFORE IT IS FILED.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4EACH MEMBER OF THE BOARD HAS TO COMPLETE AN ANNUAL QUESTIONNAIRE AND DISCLOSE ANY POTENTIAL CONFLICT OF INTERESTS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5THE COMPENSATION PROCESS FOR TOP OFFICIALS AND OFFICERS IS COMPLETED BY THE COMPENSATION COMMITTEE AND THE BOARD.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6GOVERNING DOCUMENTS, CONFLICT OF INTEREST POLICY AND FINANCIAL STATEMENTS ARE AVAILABLE UPON REQUEST.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt7PROCESS HAS NOT CHANGED FROM PRIOR 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 11B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4FORM 990, PART VI, SECTION B, LINE 12C

Document Assets

No mirrored PDF or thumbnail assets are attached yet.