Civic Intelligence

Coalition Against Insurance Fraud

EIN 52-1826084 • 501(c)4 • Washington, DC

Profile

Combat all forms of insurance

Refreshing map…

1012 14th Street NW Suite 610Washington, DC 20005

www.insurancefraud.org

Siviq Scores

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

Liabilities / Assets

85th percentile

0.43x

Higher debt load relative to assets than 85% of similar nonprofits.

501(c)4 • $1M-$5M nonprofits • Source year 2024

Liabilities / Revenue

80th percentile

0.52x

Higher debt load relative to revenue than 80% of similar nonprofits.

501(c)4 • $1M-$5M nonprofits • Source year 2024

Net Margin

62nd percentile

17%

Higher net margin than 62% of similar nonprofits.

501(c)4 • $1M-$5M nonprofits • Source year 2024

Top Officer Pay

92nd percentile

$217,240

Higher top officer pay than 92% of similar nonprofits.

Top officer pay equals 12.5% of source-year revenue.

501(c)4 • $1M-$5M nonprofits • Source year 2024

Asset Growth

86th percentile

29%

Faster asset growth than 86% of similar nonprofits.

501(c)4 • $1M-$5M nonprofits • Annualized from 2023 to 2024

Revenue Growth

68th percentile

23%

Faster revenue growth than 68% of similar nonprofits.

501(c)4 • $1M-$5M nonprofits • Annualized from 2023 to 2024

Assets

Up

$2,074,151

Up $465,472 (+29%) from 2023

Liabilities

Up

$894,458

Up $141,821 (+19%) from 2023

Net Assets

Up

$1,179,693

Up $323,651 (+38%) from 2023

Revenue

Up

$1,734,396

Up $321,858 (+23%) from 2023

Expenses

Up

$1,441,793

Up $42,005 (+3.0%) from 2023

Net Income

Up

$292,603

Up $279,853 (+2195%) from 2023

Trend Graphs

Balance Sheet Trend

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

$3.0M$2.0M$1.0M$0Assets 2011: $294,290Liabilities 2011: $116,505Net Assets 2011: $177,7852011Assets 2012: $236,138Liabilities 2012: $113,216Net Assets 2012: $122,9222012Assets 2013: $330,203Liabilities 2013: $131,492Net Assets 2013: $198,7112013Assets 2014: $378,452Liabilities 2014: $106,498Net Assets 2014: $271,9542014Assets 2015: $365,687Liabilities 2015: $96,685Net Assets 2015: $269,0022015Assets 2016: $365,624Liabilities 2016: $76,833Net Assets 2016: $288,7912016Assets 2017: $385,548Liabilities 2017: $68,422Net Assets 2017: $317,1262017Assets 2018: $420,620Liabilities 2018: $92,180Net Assets 2018: $328,4402018Assets 2019: $477,832Liabilities 2019: $79,441Net Assets 2019: $398,3912019Assets 2020: $680,549Liabilities 2020: $90,696Net Assets 2020: $589,8532020Assets 2021: $1,095,278Liabilities 2021: $114,958Net Assets 2021: $980,3202021Assets 2022: $1,448,704Liabilities 2022: $621,284Net Assets 2022: $827,4202022Assets 2023: $1,608,679Liabilities 2023: $752,637Net Assets 2023: $856,0422023Assets 2024: $2,074,151Liabilities 2024: $894,458Net Assets 2024: $1,179,6932024

Highlighted filing

2024

Assets$2,074,151
Liabilities$894,458
Net Assets$1,179,693

Operations Trend

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

$2.0M$1.5M$1.0M$500K$0-$500KRevenue 2011: $708,128Expenses 2011: $790,548Net Income 2011: -$82,4202011Expenses 2012: $772,8322012Revenue 2013: $781,446Expenses 2013: $774,299Net Income 2013: $7,1472013Revenue 2014: $811,291Expenses 2014: $742,513Net Income 2014: $68,7782014Revenue 2015: $838,492Expenses 2015: $833,658Net Income 2015: $4,8342015Revenue 2016: $832,721Expenses 2016: $825,707Net Income 2016: $7,0142016Revenue 2017: $895,320Expenses 2017: $877,198Net Income 2017: $18,1222017Revenue 2018: $921,778Expenses 2018: $901,088Net Income 2018: $20,6902018Revenue 2019: $1,075,979Expenses 2019: $1,015,900Net Income 2019: $60,0792019Revenue 2020: $1,205,035Expenses 2020: $1,081,375Net Income 2020: $123,6602020Revenue 2021: $1,307,682Expenses 2021: $949,547Net Income 2021: $358,1352021Revenue 2022: $1,395,628Expenses 2022: $1,329,187Net Income 2022: $66,4412022Revenue 2023: $1,412,538Expenses 2023: $1,399,788Net Income 2023: $12,7502023Revenue 2024: $1,734,396Expenses 2024: $1,441,793Net Income 2024: $292,6032024

Highlighted filing

2024

Revenue$1,734,396
Expenses$1,441,793
Net Income$292,603

Filings

Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Facts available. Structured filing facts are available, but richer extracted sections are limited.$2.07$0.89$1.18$1.73$1.44$0.29
2023Summary only. Only limited summary data is available for this year.$1.61$0.75$0.86$1.41$1.40$0.01
2022Facts available. Structured filing facts are available, but richer extracted sections are limited.$1.45$0.62$0.83$1.40$1.33$0.07
2021Facts available. Structured filing facts are available, but richer extracted sections are limited.$1.10$0.11$0.98$1.31$0.95$0.36
2020XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$0.68$0.09$0.59$1.21$1.08$0.12
2019XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$0.48$0.08$0.40$1.08$1.02$0.06
2018Summary only. Only limited summary data is available for this year.$0.42$0.09$0.33$0.92$0.90$0.02
2017XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$0.39$0.07$0.32$0.90$0.88$0.02
2016Facts available. Structured filing facts are available, but richer extracted sections are limited.$0.37$0.08$0.29$0.83$0.83$0.01
2015Detailed filing. Detailed filing data is available for this year.$0.37$0.10$0.27$0.84$0.83$0.00
2014Detailed filing. Detailed filing data is available for this year.$0.38$0.11$0.27$0.81$0.74$0.07
2013Detailed filing. Detailed filing data is available for this year.$0.33$0.13$0.20$0.78$0.77$0.01
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$0.24$0.11$0.12$0.77
2011Summary only. Only limited summary data is available for this year.$0.29$0.12$0.18$0.71$0.79$0.08
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2024 to Dec 31, 2024
Signed
Nov 17, 2025
Return Version
2024v5.2
Gross Receipts
$2,256,658
Mission and Program Overview

Mission

Combat all forms of insurance fraud through advocacy, public education and research.

To unite private and public groups to fight insurance fraud.

Balance Sheet Detail
LineBeginningEndChange
Assets
Investments in Publicly Traded Securities$765,445$1,149,774▲ $384,329
Cash and Non-Interest-Bearing Accounts$133,426$278,661▲ $145,235
Prepaid Expenses and Deferred Charges$16,976$22,594▲ $5,618
Land, Buildings, and Equipment, Net$20,784$21,088▲ $304
Savings and Temporary Cash Investments$24,030$15,978▼ $8,052
Accounts Receivable$4,675--
Total Assets$1,608,679$2,074,151▲ $465,472
Other Assets Total$643,343$586,056▼ $57,287
Liabilities
Other Liabilities$642,712$606,822▼ $35,890
Deferred Revenue$23,470$228,800▲ $205,330
Accounts Payable and Accrued Expenses$86,455$58,836▼ $27,619
Total Liabilities$752,637$894,458▲ $141,821
Net Assets / Fund Balance
Net Assets Without Donor Restrictions$856,042$1,179,693▲ $323,651
Total Net Assets Fund Balance$856,042$1,179,693▲ $323,651
Total Liabilities and Net Assets / Fund Balance$1,608,679$2,074,151▲ $465,472

Asset Categories

AssetBook ValueDepreciationBasis
Equipment$21,088$32,010$53,098
Other Assets Org$583,023--
Compensation and Service Providers

Employees

NameTitleFull / Part TimeBaseOtherTotal
Michelle RafeldExecutive DirectorFT$191,115$26,125$217,240

Board Members and Trustees

Revenue and Support

Revenue Composition

Contributions and Grants
$1,537,256
Program Service Revenue
$71,368
Investment Income
$125,772
Other Revenue
$0
Change in Net Assets
$292,603

Audited Revenue Reconciliation

Revenue per Audited Statements
$1,719,420
Revenue Not Reported on Financial Statements
$14,976
Revenue Not Reported on Form 990
$31,048
Total Revenue per Audited Statements
$1,750,468
Total Revenue per Form 990
$1,734,396
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Salaries, Compensation, and Employee Benefits$873,397
Other Expenses$568,396
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages$495,627$40,854-$536,481
Conferences and Meetings$202,863$22,540-$225,403
Current Officers, Directors, Trustees, and Key Employees$152,067$65,172-$217,239
Occupancy$41,357$41,357-$82,714
Fees for Services Other$42,834$37,574-$80,408
Payroll Taxes$55,728$8,844-$64,572
Travel$51,620$5,736-$57,356
Other Employee Benefits$38,255$3,947-$42,202
Office Expenses$23,400$5,360-$28,760
Information Technology$23,550--$23,550
Advertising$17,000--$17,000
Fees for Service Investment Mgmnt Fees-$14,976-$14,976
Fees for Services Accounting-$13,645-$13,645
Pension Plan Contributions$10,112$2,791-$12,903
Fees for Services Legal$6,700$2,500-$9,200
Insurance-$6,593-$6,593
Depreciation Depletion-$4,577-$4,577
Other Expenses$2,396$1,818-$4,214
Total Functional Expenses$1,163,509$278,284$0$1,441,793

Audited Expense Reconciliation

Line ItemAmount
Total Expenses per Form 990$1,441,793
Expenses per Audited Statements$1,426,817
Total Expenses per Audited Statements$1,426,817
Expenses Not Reported on Financial Statements$14,976
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
In-house lobbying only
No
Subject to proxy tax
Yes

Reported Spending and Taxes

Line ItemAmount
Current Year Nondeductible Lobbying and Political Cost$4,309
Total Nondeductible Lobbying and Political Cost$4,309
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Lease Liab - Lt - Office$562,183
Lease Liab - Curr - Office$39,313
American Express$4,333
Payroll Liab - Fidelity$993
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Audit committee
Yes
Backup withholding compliance
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
No
Conflict-of-interest policy
No
Audited financial statements prepared
No
Key decisions subject to board approval
Yes
Management duties delegated
No

Governance Explanations

Form 990, Part VI, Section A, Line 6

The organization has 7 classes of members, insurer, public interest, associate, association, law firm, academic & international partners. The organization also has two classes of membership: voting and non-voting.

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

Voting members elect the board of directors, officers and members of the executive committee.

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

Voting members are also entitled to vote on public policy issues, annual budget and bylaw changes.

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

Form 990 is prepared by an external accounting firm. Once the draft form 990 and related schedules are prepared, they are reviewed in detail by the executive director. The executive director has the responsibility to approve and sign all forms.

Form 990, Part VI, Section B, Line 15A

The compensation of the executive director is reviewed annually by the executive committee. Compensation data is obtained from outside sources and reviewed against the current compensation structure.

Form 990, Part VI, Section C, Line 19

No documents available to the public.

Filing and Contact Details

Filer

Filer Name
Coalition Against Insurance Fraud
EIN
52-1826084
Phone
2023937330
Address
1012 14TH STREET NW SUITE 610, WASHINGTON, DC 20005

Signing Officer

Name
Michelle Rafeld
Title
Executive Director
Phone
2023937330
Signed
2025-11-17
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Michelle Rafeld
Formed
1993
Legal Domicile
Dc
Voting Board Members
53
Independent Board Members
53
Employees
8
Volunteers
54

Preparer

Firm
Bonadio & Co Llp
Address
6 WEMBLEY CT, ALBANY, NY 12205
Preparer
Ashley Roubelakis
Phone
5184644080
Raw XML AppendixShowing 400 of 771 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
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IRS990/ActivitiesConductedPrtshpInd00
IRS990/ActivityOrMissionDesc0TO UNITE PRIVATE AND PUBLIC GROUPS TO FIGHT INSURANCE FRAUD.
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IRS990/AdvertisingGrp/TotalAmt017000
IRS990/AuditCommitteeInd01
IRS990/BackupWthldComplianceInd01
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IRS990/BooksInCareOfDetail/PhoneNum02023937330
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IRS990/Desc0THE COALITION AGAINST INSURANCE FRAUD REGULARLY CONDUCTS OUTREACH TO RAISE PUBLIC AWARENESS OF THE GROWING ISSUE OF INSURANCE FRAUD. OUR EFFORTS FOCUS ON EDUCATING INDUSTRY PROFESSIONALS, REGULATORS, LAW ENFORCEMENT, AND CONSUMERS BY PROVIDING ESSENTIAL RESOURCES TO HELP IDENTIFY AND PREVENT FRAUDULENT ACTIVITIES. THE ORGANIZATION ENGAGES IN SPEAKING ENGAGEMENTS, HOSTS TASK FORCE, COMMITTEE, AND MEMBER MEETINGS, AND ORGANIZES WEBINARS. WE ALSO ISSUE CONSUMER ALERTS AND COMMERCIALS, AND PRODUCE GUIDES, INFOGRAPHICS, AND OTHER EDUCATIONAL MATERIALS AS NEEDED. ADDITIONALLY, WE COLLABORATE WITH THE MEDIA TO ENSURE THAT KEY FRAUD PREVENTION MESSAGES REACH A WIDE AUDIENCE.
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IRS990/Form990PartVIISectionAGrp/PersonNm3KATHY STOKES
IRS990/Form990PartVIISectionAGrp/PersonNm4PAUL SYLVESTER
IRS990/Form990PartVIISectionAGrp/PersonNm5RANDY GRIFFIN
IRS990/Form990PartVIISectionAGrp/PersonNm6TINA MARSHALL
IRS990/Form990PartVIISectionAGrp/PersonNm7DOUGLAS QUINN
IRS990/Form990PartVIISectionAGrp/PersonNm8MICHAEL RICHMOND-CRUM
IRS990/Form990PartVIISectionAGrp/PersonNm9MARIELA PENNOCK
IRS990/Form990PartVIISectionAGrp/PersonNm10JAMES BROWN
IRS990/Form990PartVIISectionAGrp/PersonNm11STEVE PIPER
IRS990/Form990PartVIISectionAGrp/PersonNm12ANNA FLORES
IRS990/Form990PartVIISectionAGrp/PersonNm13DOUG HELLER
IRS990/Form990PartVIISectionAGrp/PersonNm14DALLAS BARNES
IRS990/Form990PartVIISectionAGrp/PersonNm15TASHA CARTER
IRS990/Form990PartVIISectionAGrp/PersonNm16RYAN MCELVAIN
IRS990/Form990PartVIISectionAGrp/PersonNm17TESSA PHILLIPS
IRS990/Form990PartVIISectionAGrp/PersonNm18BRIAN LYNCH
IRS990/Form990PartVIISectionAGrp/PersonNm19CELESTE DODSON
IRS990/Form990PartVIISectionAGrp/PersonNm20ROSS SILVERMAN
IRS990/Form990PartVIISectionAGrp/PersonNm21STEVE FRIEDMAN
IRS990/Form990PartVIISectionAGrp/PersonNm22LT MICHAEL WILKERSON
IRS990/Form990PartVIISectionAGrp/PersonNm23PHAE MOORE
IRS990/Form990PartVIISectionAGrp/PersonNm24GREG WELKER
IRS990/Form990PartVIISectionAGrp/PersonNm25BRIAN GOODMAN
IRS990/Form990PartVIISectionAGrp/PersonNm26WILLIAM MELOFCHIK ESQ
IRS990/Form990PartVIISectionAGrp/PersonNm27FRANK RUSSO
IRS990/Form990PartVIISectionAGrp/PersonNm28DAVID GLAWE
IRS990/Form990PartVIISectionAGrp/PersonNm29JOHN SOKIT
IRS990/Form990PartVIISectionAGrp/PersonNm30RICHARD MATARANTE
IRS990/Form990PartVIISectionAGrp/PersonNm31ADAM KAWA
IRS990/Form990PartVIISectionAGrp/PersonNm32CHRISTOPHER SLOAN
IRS990/Form990PartVIISectionAGrp/PersonNm33ROBERT LABAR ESQ
IRS990/Form990PartVIISectionAGrp/PersonNm34JEFF MOORE
IRS990/Form990PartVIISectionAGrp/PersonNm35FREDERICK RANSOM
IRS990/Form990PartVIISectionAGrp/PersonNm36VICTOR OU
IRS990/Form990PartVIISectionAGrp/PersonNm37NICOLE LIEBAU
IRS990/Form990PartVIISectionAGrp/PersonNm38DAVE STACEY
IRS990/Form990PartVIISectionAGrp/PersonNm39MAUREEN HASSELMANN
IRS990/Form990PartVIISectionAGrp/PersonNm40KIMBERLY BEAUDREAU
IRS990/Form990PartVIISectionAGrp/PersonNm41MATT MURPHY
IRS990/Form990PartVIISectionAGrp/PersonNm42MARK HESSE
IRS990/Form990PartVIISectionAGrp/PersonNm43PRANAY MITTAL
IRS990/Form990PartVIISectionAGrp/PersonNm44AMY BACH
IRS990/Form990PartVIISectionAGrp/PersonNm45PATRICK MALLOY
IRS990/Form990PartVIISectionAGrp/PersonNm46SCOTT JACKSON
IRS990/Form990PartVIISectionAGrp/PersonNm47THOMAS DONAHUE
IRS990/Form990PartVIISectionAGrp/PersonNm48DELPHA DIGIACOMO
IRS990/Form990PartVIISectionAGrp/PersonNm49CHARLIE ZIEGENBEIN
IRS990/Form990PartVIISectionAGrp/PersonNm50CINDY BELMORE
IRS990/Form990PartVIISectionAGrp/PersonNm51MATTHEW GRIFFIN
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IRS990/Form990PartVIISectionAGrp/PersonNm53BETSY GABBEI
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IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt550
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IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt50
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt60
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IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt90
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IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt110
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt120
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IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt140
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt150
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt160
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IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt190
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IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt240
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt250
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IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt290
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt300
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt310

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