Liabilities / Assets
68th percentile
Higher debt load relative to assets than 68% of similar nonprofits.
Precomputed percentiles for this filing year versus similar nonprofits in the same peer cohort.
Liabilities / Assets
68th percentile
Higher debt load relative to assets than 68% of similar nonprofits.
Liabilities / Revenue
40th percentile
Higher debt load relative to revenue than 40% of similar nonprofits.
Net Margin
15th percentile
Higher net margin than 15% of similar nonprofits.
Top Officer Pay
86th percentile
Higher top officer pay than 86% of similar nonprofits.
Top officer pay equals 11.4% of source-year revenue.
Asset Growth
5th percentile
Faster asset growth than 5% of similar nonprofits.
Revenue Growth
65th percentile
Faster revenue growth than 65% of similar nonprofits.
Assets
Down$1,141,446
Down $319,141 (-22%) from 2019
Net Assets
Down$818,582
Down $260,861 (-24%) from 2019
Liabilities
Down$322,864
Down $58,280 (-15%) from 2019
Revenue
Down$2,510,858
Down $55,705 (-2.2%) from 2019
Expenses
Down$2,769,337
Down $62,366 (-2.2%) from 2019
Net Income
Up-$258,479
Up $6,661 (+2.5%) from 2019
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.
| Line | Beginning | End | Change |
|---|---|---|---|
| Assets | |||
| Land, Buildings, and Equipment, Net | $490,802 | $484,013 | ▼ $6,789 |
| Savings and Temporary Cash Investments | $725,312 | $445,261 | ▼ $280,051 |
| Prepaid Expenses and Deferred Charges | $109,447 | $109,367 | ▼ $80 |
| Accounts Receivable | $50,556 | $53,843 | ▲ $3,287 |
| Cash and Non-Interest-Bearing Accounts | $84,470 | $48,962 | ▼ $35,508 |
| Total Assets | $1,460,587 | $1,141,446 | ▼ $319,141 |
| Liabilities | |||
| Accounts Payable and Accrued Expenses | $137,480 | $152,871 | ▲ $15,391 |
| Mortgage Notes Payable Secured by Investment Property | $192,000 | $126,000 | ▼ $66,000 |
| Other Liabilities | $51,664 | $43,993 | ▼ $7,671 |
| Total Liabilities | $381,144 | $322,864 | ▼ $58,280 |
| Net Assets / Fund Balance | |||
| Net Assets Without Donor Restrictions | $1,079,443 | $818,582 | ▼ $260,861 |
| Total Net Assets Fund Balance | $1,079,443 | $818,582 | ▼ $260,861 |
| Total Liabilities and Net Assets / Fund Balance | $1,460,587 | $1,141,446 | ▼ $319,141 |
| Asset | Book Value | Depreciation | Basis |
|---|---|---|---|
| Buildings | $246,962 | $2,855,076 | $3,102,038 |
| Land | $230,510 | - | $230,510 |
| Equipment | $6,541 | $189,014 | $195,555 |
| Other Land Buildings | $0 | $24,057 | $24,057 |
| Name | Title | Full / Part Time | Base | Other | Total |
|---|---|---|---|---|---|
| Jan Scites | President & CEO | FT | $254,366 | $30,954 | $285,320 |
| Ian Mckechnie | Vice President | FT | $134,229 | $11,167 | $145,396 |
| Laura Treuvey | Corporate Secretary | FT | $110,266 | $15,951 | $126,217 |
| Jan Kozlowski | Vice President | FT | $116,767 | $8,419 | $125,186 |
| Sue Quimby | Assistant Vice President | FT | $97,836 | $20,896 | $118,732 |
| Megan Townley | Assistant Vice President | FT | $104,630 | $10,696 | $115,326 |
| Patrice Riggio | Assistant Vice President | FT | $106,296 | $7,374 | $113,670 |
| Robert Gage | Chairman | - | $11,500 | - | $11,500 |
| Donald Scott St Angel | Vice Chairman | - | $7,250 | - | $7,250 |
| Allen Ray Sorensen | Trustee | - | $7,000 | - | $7,000 |
| Karen S Fulton | Trustee | - | $6,000 | - | $6,000 |
| Michael L Faron | Trustee | - | $6,000 | - | $6,000 |
| Randall S Peters | Trustee | - | $6,000 | - | $6,000 |
| Brian P Lytwynec | Trustee | - | $5,000 | - | $5,000 |
| Edward D Arovas | Trustee | - | $5,000 | - | $5,000 |
| Eric P Schmader | Trustee | - | $5,000 | - | $5,000 |
| James R Doherty | Treasurer | - | $5,000 | - | $5,000 |
| Line Item | Amount |
|---|---|
| Salaries, Compensation, and Employee Benefits | $1,991,112 |
| Other Expenses | $778,225 |
| Grants and Similar Amounts Paid | $0 |
| Professional Fundraising Fees | $0 |
| Total Fundraising Expense | $0 |
| Line Item | Program | Management | Fundraising | Total |
|---|---|---|---|---|
| Other Salaries and Wages | - | - | - | $895,066 |
| Current Officers, Directors, Trustees, and Key Employees | - | - | - | $855,257 |
| Payroll Taxes | - | - | - | $122,700 |
| Other Employee Benefits | - | - | - | $98,128 |
| Conferences and Meetings | - | - | - | $75,246 |
| Office Expenses | - | - | - | $69,355 |
| Fees for Services Other | - | - | - | $58,433 |
| Occupancy | - | - | - | $43,911 |
| Fees for Services Legal | - | - | - | $35,083 |
| Other Expenses | - | - | - | $28,139 |
| Travel | - | - | - | $25,899 |
| Insurance | - | - | - | $23,903 |
| Pension Plan Contributions | - | - | - | $19,961 |
| Fees for Services Accounting | - | - | - | $19,150 |
| Depreciation Depletion | - | - | - | $12,790 |
| Total Functional Expenses | $0 | $0 | $0 | $2,769,337 |
| Line Item | Amount |
|---|---|
| Expenses per Audited Statements | $2,769,337 |
| Total Expenses per Audited Statements | $2,769,337 |
| Total Expenses per Form 990 | $2,769,337 |
| Expenses Not Reported on Financial Statements | $0 |
| Expenses Not Reported on Form 990 | $0 |
| Line Item | Amount |
|---|---|
| Professional Fundraising Fees | $0 |
| Liability | Amount |
|---|---|
| Security Deposits | $39,593 |
| Serff Service Paid in Advance | $4,400 |
“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.”
“Mso holds its annual meeting in may of each year and at that meeting the members elect trustees to the board.”
“The by-laws of mso provide that the members can consider, act and act upon the acts of the officers and trustees.”
“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.”
“Each member of the board has to complete an annual questionaire and disclose any potential conflict of interests.”
“The compensation process for top officials and officers is completed by the compensation committee and the board.”
“Governing documents, conflict of interest policy and financial statements are available upon request.”
“The organization has an audit committee in place to assume responsibility of selecting the audit and maintaining oversight of the audit function.”
“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.”
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/AccountantCompileOrReviewInd | 0 | 0 |
| IRS990/AccountsPayableAccrExpnssGrp/BOYAmt | 0 | 137480 |
| IRS990/AccountsPayableAccrExpnssGrp/EOYAmt | 0 | 152871 |
| IRS990/AccountsReceivableGrp/BOYAmt | 0 | 50556 |
| IRS990/AccountsReceivableGrp/EOYAmt | 0 | 53843 |
| IRS990/ActivitiesConductedPrtshpInd | 0 | 0 |
| IRS990/ActivityOrMissionDesc | 0 | THE ORGANIZATION PROVIDES ITS MEMBER INSURANCE COMPANIES WITH PREMIUM INSURANCE RATING, INSPECTION AND OTHER INSURANCE RELATED SERVICES. |
| IRS990/AnnualDisclosureCoveredPrsnInd | 0 | 1 |
| IRS990/AuditCommitteeInd | 0 | 1 |
| IRS990/BooksInCareOfDetail/BusinessName/BusinessNameLine1Txt | 0 | JAN SCITES CEO & PRESIDENT - MSOINC |
| IRS990/BooksInCareOfDetail/PhoneNum | 0 | 2014476900 |
| IRS990/BooksInCareOfDetail/USAddress/AddressLine1Txt | 0 | 139 HARRISTOWN ROAD |
| IRS990/BooksInCareOfDetail/USAddress/CityNm | 0 | GLEN ROCK |
| IRS990/BooksInCareOfDetail/USAddress/StateAbbreviationCd | 0 | NJ |
| IRS990/BooksInCareOfDetail/USAddress/ZIPCd | 0 | 07452 |
| IRS990/BusinessRlnWith35CtrlEntInd | 0 | 0 |
| IRS990/BusinessRlnWithFamMemInd | 0 | 0 |
| IRS990/BusinessRlnWithOrgMemInd | 0 | 0 |
| IRS990/CashNonInterestBearingGrp/BOYAmt | 0 | 84470 |
| IRS990/CashNonInterestBearingGrp/EOYAmt | 0 | 48962 |
| IRS990/ChangeToOrgDocumentsInd | 0 | 0 |
| IRS990/CntrctRcvdGreaterThan100KCnt | 0 | 0 |
| IRS990/CollectionsOfArtInd | 0 | 0 |
| IRS990/CompCurrentOfcrDirectorsGrp/TotalAmt | 0 | 855257 |
| IRS990/CompensationFromOtherSrcsInd | 0 | 0 |
| IRS990/CompensationProcessCEOInd | 0 | 1 |
| IRS990/CompensationProcessOtherInd | 0 | 1 |
| IRS990/ConferencesMeetingsGrp/TotalAmt | 0 | 75246 |
| IRS990/ConflictOfInterestPolicyInd | 0 | 1 |
| IRS990/ConservationEasementsInd | 0 | 0 |
| IRS990/ConsolidatedAuditFinclStmtInd | 0 | 0 |
| IRS990/CreditCounselingInd | 0 | 0 |
| IRS990/CYBenefitsPaidToMembersAmt | 0 | 0 |
| IRS990/CYContributionsGrantsAmt | 0 | 0 |
| IRS990/CYGrantsAndSimilarPaidAmt | 0 | 0 |
| IRS990/CYInvestmentIncomeAmt | 0 | 11546 |
| IRS990/CYOtherExpensesAmt | 0 | 778225 |
| IRS990/CYOtherRevenueAmt | 0 | -27190 |
| IRS990/CYProgramServiceRevenueAmt | 0 | 2526502 |
| IRS990/CYRevenuesLessExpensesAmt | 0 | -258479 |
| IRS990/CYSalariesCompEmpBnftPaidAmt | 0 | 1991112 |
| IRS990/CYTotalExpensesAmt | 0 | 2769337 |
| IRS990/CYTotalFundraisingExpenseAmt | 0 | 0 |
| IRS990/CYTotalProfFndrsngExpnsAmt | 0 | 0 |
| IRS990/CYTotalRevenueAmt | 0 | 2510858 |
| IRS990/DecisionsSubjectToApprovaInd | 0 | 1 |
| IRS990/DeductibleArtContributionInd | 0 | 0 |
| IRS990/DeductibleNonCashContriInd | 0 | 0 |
| IRS990/DelegationOfMgmtDutiesInd | 0 | 0 |
| IRS990/DepreciationDepletionGrp/TotalAmt | 0 | 12790 |
| IRS990/Desc | 0 | THE ORGANIZATION PROVIDED ITS 38 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/DescribedInSection501c3Ind | 0 | 0 |
| IRS990/DisregardedEntityInd | 0 | 0 |
| IRS990/DocumentRetentionPolicyInd | 0 | 1 |
| IRS990/DonorAdvisedFundInd | 0 | 0 |
| IRS990/DonorRstrOrQuasiEndowmentsInd | 0 | 0 |
| IRS990/ElectionOfBoardMembersInd | 0 | 1 |
| IRS990/EmployeeCnt | 0 | 20 |
| IRS990/EmploymentTaxReturnsFiledInd | 0 | 1 |
| IRS990/FamilyOrBusinessRlnInd | 0 | 0 |
| IRS990/FederalGrantAuditRequiredInd | 0 | 0 |
| IRS990/FeesForServicesAccountingGrp/TotalAmt | 0 | 19150 |
| IRS990/FeesForServicesLegalGrp/TotalAmt | 0 | 35083 |
| IRS990/FeesForServicesOtherGrp/TotalAmt | 0 | 58433 |
| IRS990/ForeignActivitiesInd | 0 | 0 |
| IRS990/ForeignFinancialAccountInd | 0 | 0 |
| IRS990/ForeignOfficeInd | 0 | 0 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 0 | 1.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 1 | 1.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 2 | 1.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 3 | 1.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 4 | 1.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 5 | 1.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 6 | 1.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 7 | 1.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 8 | 1.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 9 | 1.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 10 | 40.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 11 | 40.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 12 | 40.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 13 | 40.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 14 | 40.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 15 | 40.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 16 | 40.00 |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 0 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 1 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 2 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 3 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 4 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 5 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 6 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 7 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 8 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 9 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 10 | X |
| IRS990/Form990PartVIISectionAGrp/OfficerInd | 0 | X |
| IRS990/Form990PartVIISectionAGrp/OfficerInd | 1 | X |
| IRS990/Form990PartVIISectionAGrp/OfficerInd | 2 | X |
| IRS990/Form990PartVIISectionAGrp/OfficerInd | 3 | X |
| IRS990/Form990PartVIISectionAGrp/OfficerInd | 4 | X |
| IRS990/Form990PartVIISectionAGrp/OfficerInd | 5 | X |
| IRS990/Form990PartVIISectionAGrp/OfficerInd | 6 | X |
| IRS990/Form990PartVIISectionAGrp/OfficerInd | 7 | X |
| IRS990/Form990PartVIISectionAGrp/OfficerInd | 8 | X |
| IRS990/Form990PartVIISectionAGrp/OfficerInd | 9 | X |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 0 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 1 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 2 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 3 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 4 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 5 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 6 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 7 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 8 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 9 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 10 | 4432 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 11 | 8419 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 12 | 11167 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 13 | 15951 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 14 | 20896 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 15 | 7374 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 16 | 10696 |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 0 | ALLEN RAY SORENSEN |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 1 | MICHAEL L FARON |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 2 | BRIAN P LYTWYNEC |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 3 | RANDALL S PETERS |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 4 | EDWARD D AROVAS |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 5 | ERIC P SCHMADER |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 6 | KAREN S FULTON |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 7 | ROBERT GAGE |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 8 | DONALD SCOTT ST ANGEL |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 9 | JAMES R DOHERTY |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 10 | JAN SCITES |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 11 | JAN KOZLOWSKI |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 12 | IAN MCKECHNIE |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 13 | LAURA TREUVEY |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 14 | SUE QUIMBY |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 15 | PATRICE RIGGIO |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 16 | MEGAN TOWNLEY |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 0 | 7000 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 1 | 6000 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 2 | 5000 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 3 | 6000 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 4 | 5000 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 5 | 5000 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 6 | 6000 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 7 | 11500 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 8 | 7250 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 9 | 5000 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 10 | 280888 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 11 | 116767 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 12 | 134229 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 13 | 110266 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 14 | 97836 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 15 | 106296 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 16 | 104630 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 0 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 1 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 2 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 3 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 4 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 5 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 6 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 7 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 8 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 9 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 10 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 11 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 12 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 13 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 14 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 15 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 16 | 0 |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 0 | TRUSTEE |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 1 | TRUSTEE |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 2 | TRUSTEE |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 3 | TRUSTEE |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 4 | TRUSTEE |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 5 | TRUSTEE |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 6 | TRUSTEE |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 7 | CHAIRMAN |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 8 | VICE CHAIRMAN |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 9 | TREASURER |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 10 | PRESIDENT & CEO |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 11 | VICE PRESIDENT |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 12 | VICE PRESIDENT |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 13 | CORPORATE SECRETARY |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 14 | ASSISTANT VICE PRESIDENT |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 15 | ASSISTANT VICE PRESIDENT |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 16 | ASSISTANT VICE PRESIDENT |
| IRS990/Form990ProvidedToGvrnBodyInd | 0 | 1 |
| IRS990/FormationYr | 0 | 1991 |
| IRS990/FormerOfcrEmployeesListedInd | 0 | 0 |
| IRS990/FSAuditedBasisGrp/SeparateBasisFinclStmtInd | 0 | X |
| IRS990/FSAuditedInd | 0 | 1 |
| IRS990/FundraisingActivitiesInd | 0 | 0 |
| IRS990/GamingActivitiesInd | 0 | 0 |
| IRS990/GoverningBodyVotingMembersCnt | 0 | 11 |
| IRS990/GrantsToIndividualsInd | 0 | 0 |
| IRS990/GrantsToOrganizationsInd | 0 | 0 |
| IRS990/GrantToRelatedPersonInd | 0 | 0 |
| IRS990/GrossReceiptsAmt | 0 | 2945473 |
| IRS990/GrossRentsGrp/RealAmt | 0 | 407425 |
| IRS990/GroupReturnForAffiliatesInd | 0 | 0 |
| IRS990/IncludeFIN48FootnoteInd | 0 | 1 |
| IRS990/IndependentAuditFinclStmtInd | 0 | 1 |
| IRS990/IndependentVotingMemberCnt | 0 | 10 |
| IRS990/IndivRcvdGreaterThan100KCnt | 0 | 6 |
| IRS990/IndoorTanningServicesInd | 0 | 0 |
| IRS990/InfoInScheduleOPartVIInd | 0 | X |
| IRS990/InfoInScheduleOPartXIIInd | 0 | X |
| IRS990/InsuranceGrp/TotalAmt | 0 | 23903 |
| IRS990/InvestmentIncomeGrp/ExclusionAmt | 0 | 11546 |
| IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt | 0 | 11546 |
| IRS990/InvestmentInJointVentureInd | 0 | 0 |
| IRS990/IRPDocumentCnt | 0 | 22 |
| IRS990/IRPDocumentW2GCnt | 0 | 0 |
| IRS990/LandBldgEquipAccumDeprecAmt | 0 | 3068147 |
| IRS990/LandBldgEquipBasisNetGrp/BOYAmt | 0 | 490802 |
| IRS990/LandBldgEquipBasisNetGrp/EOYAmt | 0 | 484013 |
| IRS990/LandBldgEquipCostOrOtherBssAmt | 0 | 3552160 |
| IRS990/LegalDomicileStateCd | 0 | NJ |
| IRS990/LessRentalExpensesGrp/RealAmt | 0 | 434615 |
| IRS990/LoanOutstandingInd | 0 | 0 |
| IRS990/LocalChaptersInd | 0 | 0 |
| IRS990/MaterialDiversionOrMisuseInd | 0 | 0 |
| IRS990/MembersOrStockholdersInd | 0 | 1 |
| IRS990/MethodOfAccountingAccrualInd | 0 | X |
| IRS990/MinutesOfCommitteesInd | 0 | 1 |
| IRS990/MinutesOfGoverningBodyInd | 0 | 1 |
| IRS990/MissionDesc | 0 | THE ORGANIZATION'S GOAL IS TO PROVIDE SMALL TO MID-SIZE INSURERS WITH A SIMPLIFIED AND COST EFFECTIVE WAY TO UNDERWRITE RISKS. |
| IRS990/MoreThan5000KToIndividualsInd | 0 | 0 |
| IRS990/MoreThan5000KToOrgInd | 0 | 0 |
| IRS990/MortgNotesPyblScrdInvstPropGrp/BOYAmt | 0 | 192000 |
| IRS990/MortgNotesPyblScrdInvstPropGrp/EOYAmt | 0 | 126000 |
| IRS990/NetAssetsOrFundBalancesBOYAmt | 0 | 1079443 |
| IRS990/NetAssetsOrFundBalancesEOYAmt | 0 | 818582 |
| IRS990/NetRentalIncomeOrLossGrp/ExclusionAmt | 0 | -27190 |
| IRS990/NetRentalIncomeOrLossGrp/TotalRevenueColumnAmt | 0 | -27190 |
| IRS990/NetUnrelatedBusTxblIncmAmt | 0 | 0 |
| IRS990/NetUnrlzdGainsLossesInvstAmt | 0 | -2382 |
| IRS990/NoDonorRestrictionNetAssetsGrp/BOYAmt | 0 | 1079443 |
| IRS990/NoDonorRestrictionNetAssetsGrp/EOYAmt | 0 | 818582 |
| IRS990/NondeductibleContributionsInd | 0 | 0 |
| IRS990/OccupancyGrp/TotalAmt | 0 | 43911 |
| IRS990/OfficeExpensesGrp/TotalAmt | 0 | 69355 |
| IRS990/OfficerMailingAddressInd | 0 | 0 |
| IRS990/OperateHospitalInd | 0 | 0 |
| IRS990/Organization501cInd | 0 | X |
| IRS990/OrganizationFollowsFASB117Ind | 0 | X |
| IRS990/OtherChangesInNetAssetsAmt | 0 | 0 |
| IRS990/OtherEmployeeBenefitsGrp/TotalAmt | 0 | 98128 |
| IRS990/OtherExpensesGrp/Desc | 0 | PRODUCT EXPENSES |
| IRS990/OtherExpensesGrp/Desc | 1 | COMPUTER AND RELATED EX |
| IRS990/OtherExpensesGrp/Desc | 2 | DUES AND SUBSCRIPTIONS |
| IRS990/OtherExpensesGrp/Desc | 3 | TELEPHONE |
| IRS990/OtherExpensesGrp/TotalAmt | 0 | 182833 |
| IRS990/OtherExpensesGrp/TotalAmt | 1 | 132386 |
| IRS990/OtherExpensesGrp/TotalAmt | 2 | 71097 |
| IRS990/OtherExpensesGrp/TotalAmt | 3 | 28139 |
| IRS990/OtherLiabilitiesGrp/BOYAmt | 0 | 51664 |
| IRS990/OtherLiabilitiesGrp/EOYAmt | 0 | 43993 |
| IRS990/OtherSalariesAndWagesGrp/TotalAmt | 0 | 895066 |
| IRS990/PartialLiquidationInd | 0 | 0 |
| IRS990/PayrollTaxesGrp/TotalAmt | 0 | 122700 |
| IRS990/PensionPlanContributionsGrp/TotalAmt | 0 | 19961 |
| IRS990/PoliticalCampaignActyInd | 0 | 0 |
| IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt | 0 | 109447 |
| IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt | 0 | 109367 |
| IRS990/PrincipalOfficerNm | 0 | JAN SCITES |
| IRS990/ProfessionalFundraisingInd | 0 | 0 |
| IRS990/ProgramServiceRevenueGrp/BusinessCd | 0 | 522299 |
| IRS990/ProgramServiceRevenueGrp/BusinessCd | 1 | 522299 |
| IRS990/ProgramServiceRevenueGrp/BusinessCd | 2 | 522299 |
| IRS990/ProgramServiceRevenueGrp/Desc | 0 | FEE INCOME |
| IRS990/ProgramServiceRevenueGrp/Desc | 1 | AUDIT & OTHER SERVICES |
| IRS990/ProgramServiceRevenueGrp/Desc | 2 | PRINTING INCOME |
| IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt | 0 | 2151819 |
| IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt | 1 | 366840 |
| IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt | 2 | 7843 |
| IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt | 0 | 2151819 |
| IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt | 1 | 366840 |
| IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt | 2 | 7843 |
| IRS990/ProhibitedTaxShelterTransInd | 0 | 0 |
| IRS990/PYBenefitsPaidToMembersAmt | 0 | 0 |
| IRS990/PYContributionsGrantsAmt | 0 | 0 |
| IRS990/PYGrantsAndSimilarPaidAmt | 0 | 0 |
| IRS990/PYInvestmentIncomeAmt | 0 | 15510 |
| IRS990/PYOtherExpensesAmt | 0 | 784251 |
| IRS990/PYOtherRevenueAmt | 0 | 68815 |
| IRS990/PYProgramServiceRevenueAmt | 0 | 2482238 |
| IRS990/PYRevenuesLessExpensesAmt | 0 | -265140 |
| IRS990/PYSalariesCompEmpBnftPaidAmt | 0 | 2047452 |
| IRS990/PYTotalExpensesAmt | 0 | 2831703 |
| IRS990/PYTotalProfFndrsngExpnsAmt | 0 | 0 |
| IRS990/PYTotalRevenueAmt | 0 | 2566563 |
| IRS990/ReconcilationRevenueExpnssAmt | 0 | -258479 |
| IRS990/RegularMonitoringEnfrcInd | 0 | 1 |
| IRS990/RelatedEntityInd | 0 | 0 |
| IRS990/RelatedOrganizationCtrlEntInd | 0 | 0 |
| IRS990/RentalIncomeOrLossGrp/RealAmt | 0 | -27190 |
| IRS990/ReportInvestmentsOtherSecInd | 0 | 0 |
| IRS990/ReportLandBuildingEquipmentInd | 0 | 1 |
| IRS990/ReportOtherAssetsInd | 0 | 0 |
| IRS990/ReportOtherLiabilitiesInd | 0 | 1 |
| IRS990/ReportProgramRelatedInvstInd | 0 | 0 |
| IRS990/SavingsAndTempCashInvstGrp/BOYAmt | 0 | 725312 |
| IRS990/SavingsAndTempCashInvstGrp/EOYAmt | 0 | 445261 |
| IRS990/ScheduleBRequiredInd | 0 | 0 |
| IRS990ScheduleD/BuildingsGrp/BookValueAmt | 0 | 246962 |
| IRS990ScheduleD/BuildingsGrp/DepreciationAmt | 0 | 2855076 |
| IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt | 0 | 3102038 |
| IRS990ScheduleD/EquipmentGrp/BookValueAmt | 0 | 6541 |
| IRS990ScheduleD/EquipmentGrp/DepreciationAmt | 0 | 189014 |
| IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt | 0 | 195555 |
| IRS990ScheduleD/ExpensesNotReportedAmt | 0 | 0 |
| IRS990ScheduleD/ExpensesNotRptFinclStmtAmt | 0 | 0 |
| IRS990ScheduleD/ExpensesSubtotalAmt | 0 | 2769337 |
| IRS990ScheduleD/FootnoteTextInd | 0 | X |
| IRS990ScheduleD/LandGrp/BookValueAmt | 0 | 230510 |
| IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt | 0 | 230510 |
| IRS990ScheduleD/NetUnrealizedGainsInvstAmt | 0 | -2382 |
| IRS990ScheduleD/OtherLandBuildingsGrp/BookValueAmt | 0 | 0 |
| IRS990ScheduleD/OtherLandBuildingsGrp/DepreciationAmt | 0 | 24057 |
| IRS990ScheduleD/OtherLandBuildingsGrp/OtherCostOrOtherBasisAmt | 0 | 24057 |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt | 0 | 39593 |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt | 1 | 4400 |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc | 0 | SECURITY DEPOSITS |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc | 1 | SERFF SERVICE PAID IN ADVANCE |
| IRS990ScheduleD/RevenueNotReportedAmt | 0 | -2382 |
| IRS990ScheduleD/RevenueNotReportedFinclStmtAmt | 0 | 0 |
| IRS990ScheduleD/RevenueSubtotalAmt | 0 | 2510858 |
| IRS990ScheduleD/SupplementalInformationDetail/ExplanationTxt | 0 | 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. |
| IRS990ScheduleD/SupplementalInformationDetail/FormAndLineReferenceDesc | 0 | PART X, LINE 2: |
| IRS990ScheduleD/TotalBookValueLandBuildingsAmt | 0 | 484013 |
| IRS990ScheduleD/TotalExpensesPerForm990Amt | 0 | 2769337 |
| IRS990ScheduleD/TotalLiabilityAmt | 0 | 43993 |
| IRS990ScheduleD/TotalRevenuePerForm990Amt | 0 | 2510858 |
| IRS990ScheduleD/TotalRevEtcAuditedFinclStmtAmt | 0 | 2508476 |
| IRS990ScheduleD/TotExpnsEtcAuditedFinclStmtAmt | 0 | 2769337 |
| IRS990ScheduleJ/BoardOrCommitteeApprovalInd | 0 | X |
| IRS990ScheduleJ/CompensationCommitteeInd | 0 | X |
| IRS990ScheduleJ/EquityBasedCompArrngmInd | 0 | 0 |
| IRS990/ScheduleJRequiredInd | 0 | 1 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt | 0 | 254366 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount | 0 | 0 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusRelatedOrganizationsAmt | 0 | 0 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompensationBasedOnRltdOrgsAmt | 0 | 0 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990FilingOrgAmt | 0 | 0 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990RltdOrgsAmt | 0 | 0 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompensationFlngOrgAmt | 0 | 0 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompRltdOrgsAmt | 0 | 0 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsFilingOrgAmt | 0 | 4432 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsRltdOrgsAmt | 0 | 0 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationFilingOrgAmt | 0 | 26522 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationRltdOrgsAmt | 0 | 0 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm | 0 | JAN SCITES |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt | 0 | PRESIDENT & CEO |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationFilingOrgAmt | 0 | 285320 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationRltdOrgsAmt | 0 | 0 |
| IRS990ScheduleJ/SeverancePaymentInd | 0 | 0 |
| IRS990ScheduleJ/SupplementalNonqualRtrPlanInd | 0 | 0 |
| IRS990/ScheduleORequiredInd | 0 | 1 |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 0 | 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. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 1 | MSO HOLDS ITS ANNUAL MEETING IN MAY OF EACH YEAR AND AT THAT MEETING THE MEMBERS ELECT TRUSTEES TO THE BOARD. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 2 | THE BY-LAWS OF MSO PROVIDE THAT THE MEMBERS CAN CONSIDER, ACT AND ACT UPON THE ACTS OF THE OFFICERS AND TRUSTEES. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 3 | 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. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 4 | EACH MEMBER OF THE BOARD HAS TO COMPLETE AN ANNUAL QUESTIONAIRE AND DISCLOSE ANY POTENTIAL CONFLICT OF INTERESTS. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 5 | THE COMPENSATION PROCESS FOR TOP OFFICIALS AND OFFICERS IS COMPLETED BY THE COMPENSATION COMMITTEE AND THE BOARD. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 6 | GOVERNING DOCUMENTS, CONFLICT OF INTEREST POLICY AND FINANCIAL STATEMENTS ARE AVAILABLE UPON REQUEST. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 7 | THE ORGANIZATION HAS AN AUDIT COMMITTEE IN PLACE TO ASSUME RESPONSIBILITY OF SELECTING THE AUDIT AND MAINTAINING OVERSIGHT OF THE AUDIT FUNCTION. |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 0 | FORM 990, PART VI, SECTION A, LINE 6 |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 1 | FORM 990, PART VI, SECTION A, LINE 7A |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 2 | FORM 990, PART VI, SECTION A, LINE 7B |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 3 | FORM 990, PART VI, SECTION B, LINE 11B |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 4 | FORM 990, PART VI, SECTION B, LINE 12C |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 5 | FORM 990, PART VI, SECTION B, LINE 15 |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 6 | FORM 990, PART VI, SECTION C, LINE 19 |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 7 | FORM XII, LINE 2C |
| IRS990/SchoolOperatingInd | 0 | 0 |
| IRS990/SignificantChangeInd | 0 | 0 |
| IRS990/SignificantNewProgramSrvcInd | 0 | 0 |
| IRS990/StatesWhereCopyOfReturnIsFldCd | 0 | AZ |
| IRS990/StatesWhereCopyOfReturnIsFldCd | 1 | CA |
| IRS990/StatesWhereCopyOfReturnIsFldCd | 2 | GA |
| IRS990/SubjectToExcsTaxNetInvstIncInd | 0 | 0 |
| IRS990/SubjectToProxyTaxInd | 0 | 0 |
| IRS990/SubjToTaxRmnrtnExPrchtPymtInd | 0 | 0 |
| IRS990/TaxablePartyNotificationInd | 0 | 0 |
| IRS990/TaxExemptBondsInd | 0 | 0 |
| IRS990/TerminateOperationsInd | 0 | 0 |
| IRS990/TotalAssetsBOYAmt | 0 | 1460587 |
| IRS990/TotalAssetsEOYAmt | 0 | 1141446 |
| IRS990/TotalAssetsGrp/BOYAmt | 0 | 1460587 |
| IRS990/TotalAssetsGrp/EOYAmt | 0 | 1141446 |
| IRS990/TotalCompGreaterThan150KInd | 0 | 1 |
| IRS990/TotalEmployeeCnt | 0 | 20 |
| IRS990/TotalFunctionalExpensesGrp/TotalAmt | 0 | 2769337 |
| IRS990/TotalGrossUBIAmt | 0 | 0 |
| IRS990/TotalLiabilitiesBOYAmt | 0 | 381144 |
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Displayed year
2020 • Form 990Detailed filing. Detailed filing data is available for this year.