Civic Intelligence

Owners Risk Management Association

990 • Fiscal year 2022 • EIN 81-0820811

Jan 01, 2022 to Dec 31, 2022 • Filed on Mar 23, 2023

Organization ProfileN/A
370 Washington CourtFort Myers Beach, FL 33931

(224) 558-1040

Siviq Scores

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

Liabilities / Assets

12th percentile

0.00x

Higher debt load relative to assets than 12% of similar nonprofits.

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

Liabilities / Revenue

12th percentile

0.00x

Higher debt load relative to revenue than 12% of similar nonprofits.

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

Net Margin

3rd percentile

-58%

Higher net margin than 3% of similar nonprofits.

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

Top Officer Pay

26th percentile

$0

Higher top officer pay than 26% of similar nonprofits.

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

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

Asset Growth

3rd percentile

-29%

Faster asset growth than 3% of similar nonprofits.

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

Revenue Growth

32nd percentile

0.0%

Faster revenue growth than 32% of similar nonprofits.

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

Balance Sheet
Liabilities / Assets12th percentile

Assets

Down

$1,338,585

Down $556,341 (-29%) from 2021

Net Assets

Down

$1,337,827

Down $557,099 (-29%) from 2021

Liabilities

Up

$758

Up $758 from 2021

Revenue And Expenses
Liabilities / Revenue12th percentileNet Margin3rd percentile

Revenue

Up

$952,923

Up $117 (+0.0%) from 2021

Expenses

Up

$1,510,022

Up $644,744 (+75%) from 2021

Net Income

Down

-$557,099

Down $644,627 (-736%) from 2021

Historical Trend

Balance Sheet Trend

Asset Growth3rd percentile

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

$2.0M$1.5M$1.0M$500K$0Assets 2017: $1,991,658Liabilities 2017: $0Net Assets 2017: $1,991,6582017Assets 2020: $1,807,398Liabilities 2020: $0Net Assets 2020: $1,807,3982020Assets 2021: $1,894,926Liabilities 2021: $0Net Assets 2021: $1,894,9262021Assets 2022: $1,338,585Liabilities 2022: $758Net Assets 2022: $1,337,8272022Assets 2024: $1,464,552Liabilities 2024: $14,533Net Assets 2024: $1,450,0192024

Highlighted filing

2022

Assets$1,338,585
Liabilities$758
Net Assets$1,337,827
Open 2022 Filing

Operations Trend

Revenue Growth32nd percentile

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

$3.0M$2.0M$1.0M$0-$1.0MRevenue 2017: $1,628,495Expenses 2017: $544,226Net Income 2017: $1,084,2692017Revenue 2020: $981,089Expenses 2020: $728,655Net Income 2020: $252,4342020Revenue 2021: $952,806Expenses 2021: $865,278Net Income 2021: $87,5282021Revenue 2022: $952,923Expenses 2022: $1,510,022Net Income 2022: -$557,0992022Revenue 2024: $2,213,571Expenses 2024: $1,966,457Net Income 2024: $247,1142024

Highlighted filing

2022

Revenue$952,923
Expenses$1,510,022
Net Income-$557,099
Open 2022 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2022 to Dec 31, 2022
Signed
Mar 23, 2023
Return Version
2022v5.0
Gross Receipts
$952,923
Mission and Program Overview

Mission

Formed for mcdonald's owners/operators orma was founded with an overall goal of providing its membership with state of the art risk management resources including quality property and casualty insurance products and services.

Formed for mcdonald's owners/operators orma was founded with an overall goal of providing its membership with state of the art risk management resources including

Balance Sheet Detail
LineBeginningEndChange
Assets
Rtn Earn Endowment Incm Other Fnds$1,894,926$1,337,827▼ $557,099
Investments in Publicly Traded Securities$1,695,921$1,111,442▼ $584,479
Cash and Non-Interest-Bearing Accounts$109,944$135,082▲ $25,138
Other Notes and Loans Receivable, Net$89,061$92,061▲ $3,000
Total Assets$1,894,926$1,338,585▼ $556,341
Liabilities
Accounts Payable and Accrued Expenses-$758-
Total Liabilities$0$758▲ $758
Net Assets / Fund Balance
Total Net Assets Fund Balance$1,894,926$1,337,827▼ $557,099
Total Liabilities and Net Assets / Fund Balance$1,894,926$1,338,585▼ $556,341
Compensation and Service Providers
Top Officer Pay26th percentile

Board Members and Trustees

NameTitle
Bill BrownDirector
Chris KassityDirector
Dan HurleyDirector
Denise BenthamDirector
Jared RayDirector
Jeff DescherDirector
Jennifer SmithDirector
Joseph WongDirector
Juan Jc PradoDirector
Matt KadesDirector
Michelle Mann CastonDirector
Steve Killian JrDirector
Suzanne HeadDirector
Tim MorganDirector
Warren SpannDirector

Highest Paid Contractors

ContractorServicesLocationCompensation
Aon InsuranceInsurance200 E RANDOLPH, Chicago, IL 60601$250,000
Navex GlobalRisk Management Consulting5500 MEADOWS RD, Lake Oswego, OR 97035$233,181
Prime SoftwareSoftware4100 CORPORATE CENTER, Springdale, AR 72762$132,000
Oliver WymanActuarial ConsultingPO BOX 5160, New York, NC 10087$107,500
Revenue and Support

Revenue Composition

Contributions and Grants
$952,875
Program Service Revenue
$0
Investment Income
$48
Other Revenue
$0
Change in Net Assets
$-557,099
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$1,510,022
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Salaries, Compensation, and Employee Benefits$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Expenses$0$0$0$250,000
All Other Expenses$0$0$0$239,479
Conferences and Meetings$0$0$0$169,644
Fees for Services Legal$0$0$0$15,657
Fees for Services Accounting$0$0$0$9,465
Insurance$0$0$0$5,863
Office Expenses$0$0$0$124
Total Functional Expenses$0$0$0$1,510,022
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$0
Total Nondeductible Lobbying and Political Cost$0
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
Yes
Audit committee
No
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
No
Other officer compensation reviewed
No
Conflict-of-interest policy
No
Audited financial statements prepared
No
Key decisions subject to board approval
No
Management duties delegated
No
Filing and Contact Details

Filer

Filer Name
Owners Risk Management Association
EIN
81-0820811
Phone
2245581040
Address
370 WASHINGTON COURT, FORT MYERS BEACH, FL 33931

Signing Officer

Name
Jeffrey a Gukenberger
Title
Executive Director
Phone
2245581040
Signed
2023-03-23
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Jeffrey a Gukenberger
Formed
2015
Legal Domicile
Fl
Voting Board Members
15
Independent Board Members
15
Employees
0
Volunteers
0

Preparer

Firm
Robert J Ryan & Associates Inc
Address
1N082 TIMOTHY LN, WHEATON, IL 60188
Preparer
Robert J Ryan
Phone
6306908287
Supplemental Narrative

Additional Explanations

Pt V, Line 3B

“The association has fifteen members.”

Pt VI, Line 7A

“The asssociation has fifteen owner operators as members and an executive director.”

Pt VI, Line 11B

“Federal 990 was provided to executive director and will be available on association dropbox to members.”

Pt VI, Line 19

“Documents will be available upon request to the executive director.”

Pt VI, Line 6

“The association has members that represent the owner operators”

Form 990, Part IX, Line 24E

“Unrealized losses 239479.”

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IRS990/OtherExpensesGrp/FundraisingAmt10
IRS990/OtherExpensesGrp/FundraisingAmt20
IRS990/OtherExpensesGrp/FundraisingAmt30
IRS990/OtherExpensesGrp/ManagementAndGeneralAmt00
IRS990/OtherExpensesGrp/ManagementAndGeneralAmt10
IRS990/OtherExpensesGrp/ManagementAndGeneralAmt20
IRS990/OtherExpensesGrp/ManagementAndGeneralAmt30
IRS990/OtherExpensesGrp/ProgramServicesAmt00
IRS990/OtherExpensesGrp/ProgramServicesAmt10
IRS990/OtherExpensesGrp/ProgramServicesAmt20
IRS990/OtherExpensesGrp/ProgramServicesAmt30
IRS990/OtherExpensesGrp/TotalAmt0627056
IRS990/OtherExpensesGrp/TotalAmt1178122
IRS990/OtherExpensesGrp/TotalAmt214612
IRS990/OtherExpensesGrp/TotalAmt3250000
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt089061
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt092061
IRS990/PartialLiquidationInd0false
IRS990/PayPremiumsPrsnlBnftCntrctInd0false
IRS990/PoliticalCampaignActyInd0false
IRS990/PrincipalOfficerNm0JEFFREY A GUKENBERGER
IRS990/ProfessionalFundraisingInd0false
IRS990/ProhibitedTaxShelterTransInd0false
IRS990/PYContributionsGrantsAmt0952800
IRS990/PYInvestmentIncomeAmt06
IRS990/PYOtherExpensesAmt0865278
IRS990/PYRevenuesLessExpensesAmt087528
IRS990/PYTotalExpensesAmt0865278
IRS990/PYTotalRevenueAmt0952806
IRS990/QuidProQuoContributionsInd0false
IRS990/RcvFndsToPayPrsnlBnftCntrctInd0false
IRS990/ReconcilationRevenueExpnssAmt0-557099
IRS990/RelatedEntityInd0false
IRS990/RelatedOrganizationCtrlEntInd0false
IRS990/ReportInvestmentsOtherSecInd0false
IRS990/ReportLandBuildingEquipmentInd0false
IRS990/ReportOtherAssetsInd0false
IRS990/ReportOtherLiabilitiesInd0false
IRS990/ReportProgramRelatedInvstInd0false
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt01894926
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt01337827
IRS990/ScheduleBRequiredInd0false
IRS990ScheduleC/AgreeCarryoverPriorYearInd0false
IRS990ScheduleC/DuesAssessmentsAmt0952875
IRS990ScheduleC/NonDeductibleLbbyngPltclCYAmt00
IRS990ScheduleC/NonDeductibleLbbyngPltclTotAmt00
IRS990ScheduleC/OnlyInHouseLobbyingInd0false
IRS990ScheduleC/SubstantiallyAllDuesNondedInd0false
IRS990ScheduleC/SupplementalInformationDetail/ExplanationTxt0THE ASSOCIATION DOES NOT HAVE ANY DIRECT OR INDIRECT POLITICAL ACTIVITIES. THE ASSOCIATIONS ENTIRE PURPOSES IS PROVIDING INSURANCE RISK SERVICES TO ITS MEMBERS.
IRS990ScheduleC/SupplementalInformationDetail/FormAndLineReferenceDesc0Pt I-A Line 1
IRS990ScheduleC/TaxableAmt00
IRS990/ScheduleJRequiredInd0false
IRS990/ScheduleORequiredInd0false
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0THE ASSOCIATION HAS FIFTEEN MEMBERS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1THE ASSSOCIATION HAS FIFTEEN OWNER OPERATORS AS MEMBERS AND AN EXECUTIVE DIRECTOR.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2FEDERAL 990 WAS PROVIDED TO EXECUTIVE DIRECTOR AND WILL BE AVAILABLE ON ASSOCIATION DROPBOX TO MEMBERS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3DOCUMENTS WILL BE AVAILABLE UPON REQUEST TO THE EXECUTIVE DIRECTOR.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4THE ASSOCIATION HAS MEMBERS THAT REPRESENT THE OWNER OPERATORS
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5UNREALIZED LOSSES 239479.
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0Pt V, Line 3b
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1Pt VI, Line 7a
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2Pt VI, Line 11b
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3Pt VI, Line 19
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4Pt VI, Line 6
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5Form 990, Part IX, Line 24e
IRS990/SchoolOperatingInd0false
IRS990/SignificantChangeInd0false
IRS990/SignificantNewProgramSrvcInd0false
IRS990/StatesWhereCopyOfReturnIsFldCd0IL
IRS990/SubjectToProxyTaxInd0true
IRS990/TaxableDistributionsInd0false
IRS990/TaxablePartyNotificationInd0false
IRS990/TaxExemptBondsInd0false
IRS990/TerminateOperationsInd0false
IRS990/TotalAssetsBOYAmt01894926
IRS990/TotalAssetsEOYAmt01338585
IRS990/TotalAssetsGrp/BOYAmt01894926
IRS990/TotalAssetsGrp/EOYAmt01338585
IRS990/TotalCompGreaterThan150KInd0false
IRS990/TotalContributionsAmt0952875
IRS990/TotalEmployeeCnt00
IRS990/TotalFunctionalExpensesGrp/FundraisingAmt00
IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt00
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt00
IRS990/TotalFunctionalExpensesGrp/TotalAmt01510022
IRS990/TotalGrossUBIAmt00
IRS990/TotalLiabilitiesEOYAmt0758
IRS990/TotalLiabilitiesGrp/BOYAmt00
IRS990/TotalLiabilitiesGrp/EOYAmt0758
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt01894926
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt01337827
IRS990/TotalRevenueGrp/ExclusionAmt00
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt048
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt0952923
IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt00
IRS990/TotalVolunteersCnt00
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt01894926
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt01338585
IRS990/TypeOfOrganizationCorpInd0X
IRS990/UnrelatedBusIncmOverLimitInd0false
IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine1Txt0370 WASHINGTON COURT
IRS990/USAddress/CityNm0FORT MYERS BEACH
IRS990/USAddress/StateAbbreviationCd0FL
IRS990/USAddress/ZIPCd033931
IRS990/VotingMembersGoverningBodyCnt015
IRS990/VotingMembersIndependentCnt015
IRS990/WebsiteAddressTxt0N/A
IRS990/WhistleblowerPolicyInd0false
ReturnHeader/AdditionalFilerInformation/TrustedCustomerGrp/AuthenticationAssuranceLevelCd0AAL1
ReturnHeader/AdditionalFilerInformation/TrustedCustomerGrp/FederatedAssuranceLevelCd0FAL1
ReturnHeader/AdditionalFilerInformation/TrustedCustomerGrp/IdentityAssuranceLevelCd0IAL1
ReturnHeader/AdditionalFilerInformation/TrustedCustomerGrp/TrustedCustomerCd03
ReturnHeader/BuildTS02023-04-26 12:10:37Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd0true
ReturnHeader/BusinessOfficerGrp/PersonNm0JEFFREY A GUKENBERGER
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0EXECUTIVE DIRECTOR
ReturnHeader/BusinessOfficerGrp/PhoneNum02245581040
ReturnHeader/BusinessOfficerGrp/SignatureDt02023-03-23
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0OWNERS RISK MANAGEMENT ASSOCIATION
ReturnHeader/Filer/BusinessNameControlTxt0OWNE
ReturnHeader/Filer/EIN0810820811
ReturnHeader/Filer/PhoneNum02245581040
ReturnHeader/Filer/USAddress/AddressLine1Txt0370 WASHINGTON COURT
ReturnHeader/Filer/USAddress/CityNm0FORT MYERS BEACH
ReturnHeader/Filer/USAddress/StateAbbreviationCd0FL
ReturnHeader/Filer/USAddress/ZIPCd033931

Document Assets

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Filings

Displayed year

2022 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$1,338,585
Liabilities
$758
Net assets
$1,337,827
Revenue
$952,923
Expenses
$1,510,022
Net income
-$557,099
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Facts available. Structured filing facts are available, but richer extracted sections are limited.$1.46$0.01$1.45$2.21$1.97$0.25
2022Detailed filing. Detailed filing data is available for this year.$1.34$0.00$1.34$0.95$1.51$0.56
2021XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$1.89$0.00$1.89$0.95$0.87$0.09
2020Facts available. Structured filing facts are available, but richer extracted sections are limited.$1.81$0.00$1.81$0.98$0.73$0.25
2017Summary only. Only limited summary data is available for this year.$1.99$0.00$1.99$1.63$0.54$1.08