Civic Intelligence

Mso Inc

990 • Fiscal year 2016 • EIN 52-1755454

Jan 01, 2016 to Dec 31, 2016 • Filed on Mar 31, 2017

139 Harristown RoadGlen Rock, NJ 07452

(201) 447-6900

Siviq Scores

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

Liabilities / Assets

32nd percentile

0.07x

Higher debt load relative to assets than 32% of similar nonprofits.

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

Liabilities / Revenue

26th percentile

0.05x

Higher debt load relative to revenue than 26% of similar nonprofits.

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

Net Margin

25th percentile

-2.5%

Higher net margin than 25% of similar nonprofits.

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

Top Officer Pay

85th percentile

$261,340

Higher top officer pay than 85% of similar nonprofits.

Top officer pay equals 9.8% of source-year revenue.

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

Asset Growth

23rd percentile

-4.0%

Faster asset growth than 23% of similar nonprofits.

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

Revenue Growth

46th percentile

1.9%

Faster revenue growth than 46% of similar nonprofits.

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

Assets

Down

$1,826,407

Down $75,985 (-4.0%) from 2015

Net Assets

Down

$1,695,171

Down $67,690 (-3.8%) from 2015

Liabilities

Down

$131,236

Down $8,295 (-5.9%) from 2015

Revenue

Up

$2,663,041

Up $49,232 (+1.9%) from 2015

Expenses

Down

$2,730,731

Down $168,056 (-5.8%) from 2015

Net Income

Up

-$67,690

Up $217,288 (+76%) from 2015

Historical Trend

Balance Sheet Trend

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

$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

2016

Assets$1,826,407
Liabilities$131,236
Net Assets$1,695,171

Operations Trend

Revenue, expenses, and net income across loaded years, with this 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

2016

Revenue$2,663,041
Expenses$2,730,731
Net Income-$67,690
Jump To
Filing Snapshot
Filing Period
Jan 1, 2016 to Dec 31, 2016
Signed
Mar 31, 2017
Return Version
2016v3.0
Gross Receipts
$3,094,088
Mission and Program Overview

Mission

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.

The organization provides its member insurance companies with premium insurance rating, inspection and other insurance related services.

Balance Sheet Detail
LineBeginningEndChange
Assets
Savings and Temporary Cash Investments$876,778$996,958▲ $120,180
Land, Buildings, and Equipment, Net$749,319$622,496▼ $126,823
Prepaid Expenses and Deferred Charges$110,899$122,208▲ $11,309
Cash and Non-Interest-Bearing Accounts$13,969$42,875▲ $28,906
Accounts Receivable$151,427$41,870▼ $109,557
Total Assets$1,902,392$1,826,407▼ $75,985
Liabilities
Accounts Payable and Accrued Expenses$99,067$84,577▼ $14,490
Other Liabilities$40,464$46,659▲ $6,195
Total Liabilities$139,531$131,236▼ $8,295
Net Assets / Fund Balance
Unrestricted Net Assets$1,762,861$1,695,171▼ $67,690
Total Net Assets Fund Balance$1,762,861$1,695,171▼ $67,690
Total Liabilities and Net Assets / Fund Balance$1,902,392$1,826,407▼ $75,985

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$340,599$2,845,361$3,185,960
Land$230,510-$230,510
Equipment$49,305$172,824$222,129
Other Land Buildings$2,082$104,814$106,896
Compensation and Service Providers

Employees

NameTitleFull / Part TimeBaseOtherTotal
Janice ScitesPresident & CEOFT$233,804$27,536$261,340
Jan KozlowskiVice PresidentFT$127,755$11,607$139,362
Ian MckechnieVice PresidentFT$109,831$16,518$126,349
Sue QuimbyAssistant Vice PresidentFT$84,112$28,709$112,821
Laura TreuveyCorporate SecretaryFT$96,345$15,749$112,094
Robert GageChairman of the Board-$7,500-$7,500
Donald ApplegateTrustee-$6,000-$6,000
Randall S PetersVice Chairman of the Board-$6,000-$6,000
James AyersTrustee-$5,500-$5,500
Allen Ray SorensenTrustee-$5,000-$5,000
Kent JonesTreasurer-$5,000-$5,000
Michael L FaronTrustee-$5,000-$5,000
James DohertyTrustee-$3,500-$3,500
Brian LytwynecTrustee Elect-$750-$750
Donald Scott St AngelTrustee Elect-$750-$750
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$2,676,758
Investment Income
$4,316
Other Revenue
$-18,033
Change in Net Assets
$-67,690

Audited Revenue Reconciliation

Revenue per Audited Statements
$2,663,041
Revenue Not Reported on Financial Statements
$0
Revenue Not Reported on Form 990
$0
Total Revenue per Audited Statements
$2,663,041
Total Revenue per Form 990
$2,663,041
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Salaries, Compensation, and Employee Benefits$1,915,766
Other Expenses$814,965
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$925,881
Current Officers, Directors, Trustees, and Key Employees---$751,966
Payroll Taxes---$121,758
Office Expenses---$111,950
Other Employee Benefits---$88,733
Other Expenses---$64,034
Travel---$63,872
All Other Expenses---$63,747
Conferences and Meetings---$63,659
Pension Plan Contributions---$27,428
Depreciation Depletion---$25,971
Fees for Services Other---$16,982
Fees for Services Accounting---$16,000
Fees for Services Legal---$15,820
Total Functional Expenses$0$0$0$2,730,731

Audited Expense Reconciliation

Line ItemAmount
Expenses per Audited Statements$2,730,731
Total Expenses per Audited Statements$2,730,731
Total Expenses per Form 990$2,730,731
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
Security Deposits$41,659
Serff Service Paid in Advance$5,000
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

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 questionaire 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.

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, GLEN ROCK, NJ 07452

Signing Officer

Name
Jan Scites
Title
Presidient & CEO
Phone
2014476900
Signed
2017-03-31
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Jan Scites
Formed
1991
Legal Domicile
Nj
Voting Board Members
9
Independent Board Members
8
Employees
19
Volunteers
0

Preparer

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

Additional Explanations

Form XII, Line 2C

The organization has an audit committee in place to assume responsibility of selecting the auditor and maintaining oversight of the audit function.

Financial Statement Notes

PART X, LINE 2:

As of december 31, 2016, management believes that based on evaluation of the organization's tax positions that any liability as a result of uncertain tax positions would not be material. Management continually evaluates expiring statutes of limitation, changes in tax law, and new authoritative rulings to assist in evaluating the organization's tax positions. Accrued interest and penalties associated with uncertain tax positions, if any, would be recognized as part of the income tax provision. Income tax returns are filed in the u.s. Federal jurisdictions and state jurisdictions. U.s. Federal and state income tax returns prior to fiscal year 2013 are closed.

Raw XML AppendixShowing 400 of 441 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/BOYAmt099067
IRS990/AccountsPayableAccrExpnssGrp/EOYAmt084577
IRS990/AccountsReceivableGrp/BOYAmt0151427
IRS990/AccountsReceivableGrp/EOYAmt041870
IRS990/ActivitiesConductedPrtshpInd00
IRS990/ActivityOrMissionDesc0THE ORGANIZATION PROVIDES ITS MEMBER INSURANCE COMPANIES WITH PREMIUM INSURANCE RATING, INSPECTION AND OTHER INSURANCE RELATED SERVICES.
IRS990/AllOtherExpensesGrp/TotalAmt063747
IRS990/AnnualDisclosureCoveredPrsnInd01
IRS990/AuditCommitteeInd01
IRS990/BooksInCareOfDetail/BusinessName/BusinessNameLine1Txt0JAN 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/BusinessRlnWithFamMemInd00
IRS990/BusinessRlnWithOfficerEntInd00
IRS990/BusinessRlnWithOrgMemInd00
IRS990/CashNonInterestBearingGrp/BOYAmt013969
IRS990/CashNonInterestBearingGrp/EOYAmt042875
IRS990/ChangeToOrgDocumentsInd00
IRS990/CntrctRcvdGreaterThan100KCnt00
IRS990/CollectionsOfArtInd00
IRS990/CompCurrentOfcrDirectorsGrp/TotalAmt0751966
IRS990/CompensationFromOtherSrcsInd00
IRS990/CompensationProcessCEOInd01
IRS990/CompensationProcessOtherInd01
IRS990/ConferencesMeetingsGrp/TotalAmt063659
IRS990/ConflictOfInterestPolicyInd01
IRS990/ConservationEasementsInd00
IRS990/ConsolidatedAuditFinclStmtInd00
IRS990/CreditCounselingInd00
IRS990/CYBenefitsPaidToMembersAmt00
IRS990/CYContributionsGrantsAmt00
IRS990/CYGrantsAndSimilarPaidAmt00
IRS990/CYInvestmentIncomeAmt04316
IRS990/CYOtherExpensesAmt0814965
IRS990/CYOtherRevenueAmt0-18033
IRS990/CYProgramServiceRevenueAmt02676758
IRS990/CYRevenuesLessExpensesAmt0-67690
IRS990/CYSalariesCompEmpBnftPaidAmt01915766
IRS990/CYTotalExpensesAmt02730731
IRS990/CYTotalFundraisingExpenseAmt00
IRS990/CYTotalProfFndrsngExpnsAmt00
IRS990/CYTotalRevenueAmt02663041
IRS990/DecisionsSubjectToApprovaInd01
IRS990/DeductibleArtContributionInd00
IRS990/DeductibleNonCashContriInd00
IRS990/DelegationOfMgmtDutiesInd00
IRS990/DepreciationDepletionGrp/TotalAmt025971
IRS990/Desc0THE ORGANIZATION PROVIDED ITS 39 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/ElectionOfBoardMembersInd01
IRS990/EmployeeCnt019
IRS990/EmploymentTaxReturnsFiledInd01
IRS990/FamilyOrBusinessRlnInd00
IRS990/FederalGrantAuditRequiredInd00
IRS990/FeesForServicesAccountingGrp/TotalAmt016000
IRS990/FeesForServicesLegalGrp/TotalAmt015820
IRS990/FeesForServicesOtherGrp/TotalAmt016982
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/AverageHoursPerWeekRt81.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt91.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt1040.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt1140.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt1240.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt1340.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt1440.00
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/IndividualTrusteeOrDirectorInd9X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd10X
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/OtherCompensationAmt00
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt10
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt20
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt30
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt40
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt50
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt60
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt70
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt80
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt90
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt105536
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt1111607
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt1216518
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt1315749
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt1428709
IRS990/Form990PartVIISectionAGrp/PersonNm0JAMES AYERS
IRS990/Form990PartVIISectionAGrp/PersonNm1DONALD APPLEGATE
IRS990/Form990PartVIISectionAGrp/PersonNm2ALLEN RAY SORENSEN
IRS990/Form990PartVIISectionAGrp/PersonNm3MICHAEL L FARON
IRS990/Form990PartVIISectionAGrp/PersonNm4JAMES DOHERTY
IRS990/Form990PartVIISectionAGrp/PersonNm5BRIAN LYTWYNEC
IRS990/Form990PartVIISectionAGrp/PersonNm6DONALD SCOTT ST ANGEL
IRS990/Form990PartVIISectionAGrp/PersonNm7ROBERT GAGE
IRS990/Form990PartVIISectionAGrp/PersonNm8RANDALL S PETERS
IRS990/Form990PartVIISectionAGrp/PersonNm9KENT JONES
IRS990/Form990PartVIISectionAGrp/PersonNm10JANICE SCITES
IRS990/Form990PartVIISectionAGrp/PersonNm11JAN KOZLOWSKI
IRS990/Form990PartVIISectionAGrp/PersonNm12IAN MCKECHNIE
IRS990/Form990PartVIISectionAGrp/PersonNm13LAURA TREUVEY
IRS990/Form990PartVIISectionAGrp/PersonNm14SUE QUIMBY
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt05500
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt16000
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt25000
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt35000
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt43500
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt5750
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt6750
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt77500
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt86000
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt95000
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt10255804
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt11127755
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt12109831
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt1396345
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt1484112
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/TitleTxt0TRUSTEE
IRS990/Form990PartVIISectionAGrp/TitleTxt1TRUSTEE
IRS990/Form990PartVIISectionAGrp/TitleTxt2TRUSTEE
IRS990/Form990PartVIISectionAGrp/TitleTxt3TRUSTEE
IRS990/Form990PartVIISectionAGrp/TitleTxt4TRUSTEE
IRS990/Form990PartVIISectionAGrp/TitleTxt5TRUSTEE ELECT
IRS990/Form990PartVIISectionAGrp/TitleTxt6TRUSTEE ELECT
IRS990/Form990PartVIISectionAGrp/TitleTxt7CHAIRMAN OF THE BOARD
IRS990/Form990PartVIISectionAGrp/TitleTxt8VICE CHAIRMAN OF THE BOARD
IRS990/Form990PartVIISectionAGrp/TitleTxt9TREASURER
IRS990/Form990PartVIISectionAGrp/TitleTxt10PRESIDENT & CEO
IRS990/Form990PartVIISectionAGrp/TitleTxt11VICE PRESIDENT
IRS990/Form990PartVIISectionAGrp/TitleTxt12VICE PRESIDENT
IRS990/Form990PartVIISectionAGrp/TitleTxt13CORPORATE SECRETARY
IRS990/Form990PartVIISectionAGrp/TitleTxt14ASSISTANT VICE PRESIDENT
IRS990/Form990ProvidedToGvrnBodyInd01
IRS990/FormationYr01991
IRS990/FormerOfcrEmployeesListedInd00
IRS990/FSAuditedBasisGrp/SeparateBasisFinclStmtInd0X
IRS990/FSAuditedInd01
IRS990/FundraisingActivitiesInd00
IRS990/GamingActivitiesInd00
IRS990/GoverningBodyVotingMembersCnt09
IRS990/GrantsToIndividualsInd00
IRS990/GrantsToOrganizationsInd00
IRS990/GrantToRelatedPersonInd00
IRS990/GrossReceiptsAmt03094088
IRS990/GrossRentsGrp/RealAmt0413014
IRS990/GroupReturnForAffiliatesInd00
IRS990/IncludeFIN48FootnoteInd01
IRS990/IndependentAuditFinclStmtInd01
IRS990/IndependentVotingMemberCnt08
IRS990/IndivRcvdGreaterThan100KCnt03
IRS990/IndoorTanningServicesInd00
IRS990/InfoInScheduleOPartVIInd0X
IRS990/InfoInScheduleOPartXIIInd0X
IRS990/InvestmentIncomeGrp/ExclusionAmt04316
IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt04316
IRS990/InvestmentInJointVentureInd00
IRS990/IRPDocumentCnt022
IRS990/IRPDocumentW2GCnt00
IRS990/LandBldgEquipAccumDeprecAmt03122999
IRS990/LandBldgEquipBasisNetGrp/BOYAmt0749319
IRS990/LandBldgEquipBasisNetGrp/EOYAmt0622496
IRS990/LandBldgEquipCostOrOtherBssAmt03745495
IRS990/LegalDomicileStateCd0NJ
IRS990/LessRentalExpensesGrp/RealAmt0431047
IRS990/LoanOutstandingInd00
IRS990/LocalChaptersInd00
IRS990/MaterialDiversionOrMisuseInd00
IRS990/MembersOrStockholdersInd01
IRS990/MethodOfAccountingAccrualInd0X
IRS990/MinutesOfCommitteesInd01
IRS990/MinutesOfGoverningBodyInd01
IRS990/MissionDesc0THE ORGANIZATION'S GOAL IS TO PROVIDE SMALL TO MID-SIZE INSURERS WITH A SIMPLIFIED AND COST EFFECTIVE WAY TO UNDERWRITE RISKS.
IRS990/MoreThan5000KToIndividualsInd00
IRS990/MoreThan5000KToOrgInd00
IRS990/NetAssetsOrFundBalancesBOYAmt01762861
IRS990/NetAssetsOrFundBalancesEOYAmt01695171
IRS990/NetRentalIncomeOrLossGrp/ExclusionAmt0-18033
IRS990/NetRentalIncomeOrLossGrp/TotalRevenueColumnAmt0-18033
IRS990/NetUnrelatedBusTxblIncmAmt00
IRS990/NondeductibleContributionsInd00
IRS990/OfficeExpensesGrp/TotalAmt0111950
IRS990/OfficerMailingAddressInd00
IRS990/OperateHospitalInd00
IRS990/Organization501cInd0X
IRS990/OrganizationFollowsSFAS117Ind0X
IRS990/OtherChangesInNetAssetsAmt00
IRS990/OtherEmployeeBenefitsGrp/TotalAmt088733
IRS990/OtherExpensesGrp/Desc0OCCUPANCY EXPENSE
IRS990/OtherExpensesGrp/Desc1AUDIT AND UNDERWRITING
IRS990/OtherExpensesGrp/Desc2COMPUTER AND RELATED EX
IRS990/OtherExpensesGrp/Desc3DUES AND SUBSCRIPTIONS
IRS990/OtherExpensesGrp/TotalAmt0129306
IRS990/OtherExpensesGrp/TotalAmt1126187
IRS990/OtherExpensesGrp/TotalAmt2117437
IRS990/OtherExpensesGrp/TotalAmt364034
IRS990/OtherLiabilitiesGrp/BOYAmt040464
IRS990/OtherLiabilitiesGrp/EOYAmt046659
IRS990/OtherSalariesAndWagesGrp/TotalAmt0925881
IRS990/PartialLiquidationInd00
IRS990/PayrollTaxesGrp/TotalAmt0121758
IRS990/PensionPlanContributionsGrp/TotalAmt027428
IRS990/PoliticalCampaignActyInd00
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt0110899
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt0122208
IRS990/PrincipalOfficerNm0JAN 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/RelatedOrExemptFuncIncomeAmt02364217
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt1294977
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt217564
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt02364217
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt1294977
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt217564
IRS990/ProhibitedTaxShelterTransInd00
IRS990/PYBenefitsPaidToMembersAmt00
IRS990/PYContributionsGrantsAmt00
IRS990/PYGrantsAndSimilarPaidAmt00
IRS990/PYInvestmentIncomeAmt04950
IRS990/PYOtherExpensesAmt0905343
IRS990/PYOtherRevenueAmt0-57389
IRS990/PYProgramServiceRevenueAmt02666248
IRS990/PYRevenuesLessExpensesAmt0-284978
IRS990/PYSalariesCompEmpBnftPaidAmt01993444
IRS990/PYTotalExpensesAmt02898787
IRS990/PYTotalProfFndrsngExpnsAmt00
IRS990/PYTotalRevenueAmt02613809
IRS990/ReconcilationRevenueExpnssAmt0-67690
IRS990/RegularMonitoringEnfrcInd01
IRS990/RelatedEntityInd00
IRS990/RelatedOrganizationCtrlEntInd00
IRS990/RentalIncomeOrLossGrp/RealAmt0-18033
IRS990/ReportInvestmentsOtherSecInd00
IRS990/ReportLandBuildingEquipmentInd01
IRS990/ReportOtherAssetsInd00
IRS990/ReportOtherLiabilitiesInd01
IRS990/ReportProgramRelatedInvstInd00
IRS990/SavingsAndTempCashInvstGrp/BOYAmt0876778
IRS990/SavingsAndTempCashInvstGrp/EOYAmt0996958
IRS990/ScheduleBRequiredInd00
IRS990ScheduleD/BuildingsGrp/BookValueAmt0340599
IRS990ScheduleD/BuildingsGrp/DepreciationAmt02845361
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt03185960
IRS990ScheduleD/EquipmentGrp/BookValueAmt049305
IRS990ScheduleD/EquipmentGrp/DepreciationAmt0172824
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt0222129
IRS990ScheduleD/ExpensesNotReportedAmt00
IRS990ScheduleD/ExpensesNotRptFinclStmtAmt00
IRS990ScheduleD/ExpensesSubtotalAmt02730731
IRS990ScheduleD/FootnoteTextInd0X
IRS990ScheduleD/LandGrp/BookValueAmt0230510
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt0230510
IRS990ScheduleD/OtherLandBuildingsGrp/BookValueAmt02082
IRS990ScheduleD/OtherLandBuildingsGrp/DepreciationAmt0104814
IRS990ScheduleD/OtherLandBuildingsGrp/OtherCostOrOtherBasisAmt0106896
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt041659
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt15000
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0SECURITY DEPOSITS
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc1SERFF SERVICE PAID IN ADVANCE
IRS990ScheduleD/RevenueNotReportedAmt00
IRS990ScheduleD/RevenueNotReportedFinclStmtAmt00
IRS990ScheduleD/RevenueSubtotalAmt02663041
IRS990ScheduleD/SupplementalInformationDetail/ExplanationTxt0AS OF DECEMBER 31, 2016, MANAGEMENT BELIEVES THAT BASED ON EVALUATION OF THE ORGANIZATION'S TAX POSITIONS THAT ANY LIABILITY AS A RESULT OF UNCERTAIN TAX POSITIONS WOULD NOT BE MATERIAL. MANAGEMENT CONTINUALLY EVALUATES EXPIRING STATUTES OF LIMITATION, CHANGES IN TAX LAW, AND NEW AUTHORITATIVE RULINGS TO ASSIST IN EVALUATING THE ORGANIZATION'S TAX POSITIONS. ACCRUED INTEREST AND PENALTIES ASSOCIATED WITH UNCERTAIN TAX POSITIONS, IF ANY, WOULD BE RECOGNIZED AS PART OF THE INCOME TAX PROVISION. INCOME TAX RETURNS ARE FILED IN THE U.S. FEDERAL JURISDICTIONS AND STATE JURISDICTIONS. U.S. FEDERAL AND STATE INCOME TAX RETURNS PRIOR TO FISCAL YEAR 2013 ARE CLOSED.
IRS990ScheduleD/SupplementalInformationDetail/FormAndLineReferenceDesc0PART X, LINE 2:
IRS990ScheduleD/TotalBookValueLandBuildingsAmt0622496
IRS990ScheduleD/TotalExpensesPerForm990Amt02730731
IRS990ScheduleD/TotalLiabilityAmt046659
IRS990ScheduleD/TotalRevenuePerForm990Amt02663041
IRS990ScheduleD/TotalRevEtcAuditedFinclStmtAmt02663041
IRS990ScheduleD/TotExpnsEtcAuditedFinclStmtAmt02730731
IRS990ScheduleJ/BoardOrCommitteeApprovalInd0X
IRS990ScheduleJ/CompensationCommitteeInd0X
IRS990ScheduleJ/EquityBasedCompArrngmInd00
IRS990/ScheduleJRequiredInd01
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt0233804
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusRelatedOrganizationsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompensationBasedOnRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990FilingOrgAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990RltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompensationFlngOrgAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsFilingOrgAmt05536
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationFilingOrgAmt022000
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm0JANICE SCITES
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt0PRESIDENT & CEO
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationFilingOrgAmt0261340
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationRltdOrgsAmt00
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 QUESTIONAIRE AND DISCLOSE ANY POTENTIAL CONFLICT OF INTERESTS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5THE COMPENSATION PROCESS FOR TOP OFFICIALS AND OFFICERS IS COMPLETED BY THE COMPENSATION COMMITTEE.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6GOVERNING DOCUMENTS, CONFLICT OF INTEREST POLICY AND FINANCIAL STATEMENTS ARE AVAILABLE UPON REQUEST.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt7THE ORGANIZATION HAS AN AUDIT COMMITTEE IN PLACE TO ASSUME RESPONSIBILITY OF SELECTING THE AUDITOR AND MAINTAINING OVERSIGHT OF THE AUDIT FUNCTION.
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
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5FORM 990, PART VI, SECTION B, LINE 15
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc6FORM 990, PART VI, SECTION C, LINE 19
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc7FORM XII, LINE 2C
IRS990/SchoolOperatingInd00
IRS990/SignificantChangeInd00
IRS990/SignificantNewProgramSrvcInd00
IRS990/StatesWhereCopyOfReturnIsFldCd0AZ
IRS990/StatesWhereCopyOfReturnIsFldCd1CA
IRS990/StatesWhereCopyOfReturnIsFldCd2GA
IRS990/SubjectToProxyTaxInd00
IRS990/TaxablePartyNotificationInd00
IRS990/TaxExemptBondsInd00
IRS990/TempOrPermanentEndowmentsInd00
IRS990/TerminateOperationsInd00
IRS990/TotalAssetsBOYAmt01902392
IRS990/TotalAssetsEOYAmt01826407
IRS990/TotalAssetsGrp/BOYAmt01902392
IRS990/TotalAssetsGrp/EOYAmt01826407
IRS990/TotalCompGreaterThan150KInd01
IRS990/TotalEmployeeCnt019
IRS990/TotalFunctionalExpensesGrp/TotalAmt02730731
IRS990/TotalGrossUBIAmt00
IRS990/TotalLiabilitiesBOYAmt0139531
IRS990/TotalLiabilitiesEOYAmt0131236
IRS990/TotalLiabilitiesGrp/BOYAmt0139531
IRS990/TotalLiabilitiesGrp/EOYAmt0131236
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt01762861
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt01695171
IRS990/TotalOtherCompensationAmt078119
IRS990/TotalProgramServiceRevenueAmt02676758
IRS990/TotalReportableCompFromOrgAmt0718847
IRS990/TotalRevenueGrp/ExclusionAmt0-13717
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt02676758
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt02663041
IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt00
IRS990/TotalVolunteersCnt00
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt01902392
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt01826407
IRS990/TotReportableCompRltdOrgAmt00
IRS990/TravelGrp/TotalAmt063872
IRS990/TypeOfOrganizationCorpInd0X
IRS990/UnrelatedBusIncmOverLimitInd00
IRS990/UnrestrictedNetAssetsGrp/BOYAmt01762861
IRS990/UnrestrictedNetAssetsGrp/EOYAmt01695171
IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine1Txt0139 HARRISTOWN ROAD

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

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