Civic Intelligence

The American Policyholder Association I

EIN 82-5460082 • 501(c)4 • Toms River, NJ

Profile

Promotion of the social welfare by educating property and casualty policyholders on their rights, and advocating for lasws that protect the rights of such insurance policyholders.

275 Zilg DriveToms River, NJ 08753

apassociation.org

Siviq Scores

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

Liabilities / Assets

59th percentile

0.00x

Tied with the lowest-debt nonprofits in its peer group.

501(c)4 • <$500k nonprofits • Source year 2024

Liabilities / Revenue

61st percentile

0.00x

Tied with the lowest-debt nonprofits in its peer group.

501(c)4 • <$500k nonprofits • Source year 2024

Net Margin

41st percentile

-2.1%

Higher net margin than 41% of similar nonprofits.

501(c)4 • <$500k nonprofits • Source year 2024

Top Officer Pay

89th percentile

$0

Higher top officer pay than 89% of similar nonprofits.

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

501(c)4 • <$500k nonprofits • Source year 2024

Asset Growth

46th percentile

-3.7%

Faster asset growth than 46% of similar nonprofits.

501(c)4 • <$500k nonprofits • Annualized from 2023 to 2024

Revenue Growth

30th percentile

-19%

Faster revenue growth than 30% of similar nonprofits.

501(c)4 • <$500k nonprofits • Annualized from 2023 to 2024

Balance Sheet
Liabilities / Assets59th percentile

Assets

Down

$259,791

Down $9,881 (-3.7%) from 2023

Liabilities

Flat

$0

Flat from 2023

Net Assets

Down

$259,791

Down $9,881 (-3.7%) from 2023

Operations
Liabilities / Revenue61st percentileNet Margin41st percentile

Revenue

Down

$467,294

Down $108,194 (-19%) from 2023

Expenses

Down

$477,175

Down $164,710 (-26%) from 2023

Net Income

Up

-$9,881

Up $56,516 (+85%) from 2023

Trend Graphs

Balance Sheet Trend

Asset Growth46th percentile

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

$600K$400K$200K$0Assets 2018: $52,355Liabilities 2018: $0Net Assets 2018: $52,3552018Assets 2019: $91,501Liabilities 2019: $3,000Net Assets 2019: $88,5012019Assets 2021: $404,531Liabilities 2021: $0Net Assets 2021: $404,5312021Assets 2022: $336,069Liabilities 2022: $0Net Assets 2022: $336,0692022Assets 2023: $269,672Liabilities 2023: $0Net Assets 2023: $269,6722023Assets 2024: $259,791Liabilities 2024: $0Net Assets 2024: $259,7912024

Highlighted filing

2024

Assets$259,791
Liabilities$0
Net Assets$259,791
Open 2024 Filing

Operations Trend

Revenue Growth30th percentile

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

$800K$600K$400K$200K$0-$200KRevenue 2018: $177,310Expenses 2018: $124,955Net Income 2018: $52,3552018Revenue 2019: $437,198Expenses 2019: $401,052Net Income 2019: $36,1462019Revenue 2021: $622,824Expenses 2021: $492,641Net Income 2021: $130,1832021Revenue 2022: $600,468Expenses 2022: $668,930Net Income 2022: -$68,4622022Revenue 2023: $575,488Expenses 2023: $641,885Net Income 2023: -$66,3972023Revenue 2024: $467,294Expenses 2024: $477,175Net Income 2024: -$9,8812024

Highlighted filing

2024

Revenue$467,294
Expenses$477,175
Net Income-$9,881
Open 2024 Filing

Filings

Most recent year

2024 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$259,791
Liabilities
$0
Net assets
$259,791
Revenue
$467,294
Expenses
$477,175
Net income
-$9,881
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Detailed filing. Detailed filing data is available for this year.$2.60$0.00$2.60$4.67$4.77$0.10
2023XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$2.70$0.00$2.70$5.75$6.42$0.66
2022XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$3.36$0.00$3.36$6.00$6.69$0.68
2021Detailed filing. Detailed filing data is available for this year.$4.05$0.00$4.05$6.23$4.93$1.30
2019XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$0.92$0.03$0.89$4.37$4.01$0.36
2018Detailed filing. Detailed filing data is available for this year.$0.52$0.00$0.52$1.77$1.25$0.52
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
$467,294
Mission and Program Overview

Mission

Promotion of the social welfare by educating property and casualty policyholders on their rights, and advocating for lasws that protect the rights of such insurance policyholders.

Balance Sheet Detail
LineBeginningEndChange
Assets
Cash and Non-Interest-Bearing Accounts$269,672$259,791▼ $9,881
Rtn Earn Endowment Incm Other Fnds$269,672$259,791▼ $9,881
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$269,672$259,791▼ $9,881
Liabilities
Total Liabilities$0$0→ $0
Net Assets / Fund Balance
Total Net Assets Fund Balance$269,672$259,791▼ $9,881
Total Liabilities and Net Assets / Fund Balance$269,672$259,791▼ $9,881
Compensation and Service Providers
Top Officer Pay89th percentile

Board Members and Trustees

NameTitle
Douglas QuinnPresident
Amanda Devecka-rinearSecretary
Revenue and Support

Revenue Composition

Contributions and Grants
$467,266
Program Service Revenue
$0
Investment Income
$28
Other Revenue
$0
All Other Contributions
$467,266
Change in Net Assets
$-9,881
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Salaries, Compensation, and Employee Benefits$277,020
Other Expenses$200,155
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages-$241,643-$241,643
Travel-$57,463-$57,463
Office Expenses-$35,715-$35,715
Payroll Taxes-$24,214-$24,214
Advertising-$18,307-$18,307
Other Employee Benefits-$11,163-$11,163
Insurance-$8,836-$8,836
Other Expenses-$5,000-$5,000
Fees for Services Accounting-$4,195-$4,195
All Other Expenses-$2,011-$2,011
Total Functional Expenses$0$477,175$0$477,175
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$5,000
Total Nondeductible Lobbying and Political Cost$5,000
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
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

Governance Explanations

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

“The organization makes its governing documents, conflict of interest policy, and financial statements available to the public upon request.”

Form 990, Part VI, Section C, Line 19

“The organization makes its governing documents, conflict of interest policy, and financial statements available to the public upon request.”

Filing and Contact Details

Filer

Filer Name
The American Policyholder Association I
EIN
82-5460082
Phone
7325812776
Address
275 ZILG DRIVE, TOMS RIVER, NJ 08753

Signing Officer

Name
Douglas Quinn
Title
Executive Director
Phone
7325812776
Signed
2025-11-17
Discuss with paid preparer
No

Organization Details

Principal Officer
Douglas Quinn
Formed
2018
Legal Domicile
La
Voting Board Members
2
Independent Board Members
2
Employees
0
Volunteers
0

Preparer

Firm
Kushner Lagraize LLC
Address
3330 WEST ESPLANADE AVENUE STE 100, METAIRIE, LA 70002
Preparer
ALAN LABBE'
Phone
5048389991
Raw XML Appendix268 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/GrantsToIndividualsInd00
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IRS990/GroupReturnForAffiliatesInd00
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IRS990/IndoorTanningServicesInd00
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ReturnHeader/BusinessOfficerGrp/SignatureDt02025-11-17
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ReturnHeader/ReturnTs02025-11-17T11:17:07-06:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02024-01-01
ReturnHeader/TaxPeriodEndDt02024-12-31
ReturnHeader/TaxYr02024

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