Civic Intelligence

Western Guaranty Fund Services

EIN 84-0955267 • 501(c)6 • Denver, CO

View Organization Page

Profile

To provide exceptional management and administrative services to member guaranty associations, ensuring their statutory and operational duties are carried out, while managing the financial and operational risks of the member guaranty associations and Western Guaranty Fund Services.

1873 So Bellaire St Ste 920Denver, CO 80222

www.wgfs.org

Siviq Scores

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

Liabilities / Assets

97th percentile

1.00x

Higher debt load relative to assets than 97% of similar nonprofits.

501(c)6 • $1M-$5M nonprofits • Source year 2024

Liabilities / Revenue

71st percentile

0.35x

Higher debt load relative to revenue than 71% of similar nonprofits.

501(c)6 • $1M-$5M nonprofits • Source year 2024

Net Margin

34th percentile

0.0%

Higher net margin than 34% of similar nonprofits.

501(c)6 • $1M-$5M nonprofits • Source year 2024

Top Officer Pay

Score unavailable

No value available

No filing with officer rows is available for this organization yet.

Asset Growth

11th percentile

-13%

Faster asset growth than 11% of similar nonprofits.

501(c)6 • $1M-$5M nonprofits • Annualized from 2023 to 2024

Revenue Growth

73rd percentile

16%

Faster revenue growth than 73% of similar nonprofits.

501(c)6 • $1M-$5M nonprofits • Annualized from 2023 to 2024

Balance Sheet
Liabilities / Assets97th percentile

Assets

Down

$931,547

Down $137,624 (-13%) from 2023

Liabilities

Down

$931,547

Down $137,624 (-13%) from 2023

Net Assets

Flat

$0

Flat from 2023

Operations
Liabilities / Revenue71st percentileNet Margin34th percentile

Revenue

Up

$2,650,520

Up $369,445 (+16%) from 2023

Expenses

Up

$2,650,520

Up $369,445 (+16%) from 2023

Net Income

Flat

$0

Flat from 2023

Trend Graphs

Balance Sheet Trend

Asset Growth11th percentile

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

$1.5M$1.0M$500K$0Assets 2010: $539,499Liabilities 2010: $539,499Net Assets 2010: $02010Assets 2011: $456,283Liabilities 2011: $456,283Net Assets 2011: $02011Assets 2012: $395,900Liabilities 2012: $395,900Net Assets 2012: $02012Assets 2013: $362,545Liabilities 2013: $362,545Net Assets 2013: $02013Assets 2014: $491,728Liabilities 2014: $491,728Net Assets 2014: $02014Assets 2015: $484,002Liabilities 2015: $484,002Net Assets 2015: $02015Assets 2016: $454,926Liabilities 2016: $454,926Net Assets 2016: $02016Assets 2017: $443,174Liabilities 2017: $443,174Net Assets 2017: $02017Assets 2018: $467,317Liabilities 2018: $467,317Net Assets 2018: $02018Assets 2019: $483,965Liabilities 2019: $483,965Net Assets 2019: $02019Assets 2020: $600,126Liabilities 2020: $600,126Net Assets 2020: $02020Assets 2021: $596,416Liabilities 2021: $596,416Net Assets 2021: $02021Assets 2022: $1,198,570Liabilities 2022: $1,198,570Net Assets 2022: $02022Assets 2023: $1,069,171Liabilities 2023: $1,069,171Net Assets 2023: $02023Assets 2024: $931,547Liabilities 2024: $931,547Net Assets 2024: $02024

Highlighted filing

2024

Assets$931,547
Liabilities$931,547
Net Assets$0
Open 2024 Filing

Operations Trend

Revenue Growth73rd percentile

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

$3.0M$2.0M$1.0M$0Expenses 2010: $1,804,5012010Expenses 2011: $1,682,5702011Revenue 2012: $1,741,496Expenses 2012: $1,741,496Net Income 2012: $02012Revenue 2013: $1,714,936Expenses 2013: $1,714,936Net Income 2013: $02013Revenue 2014: $1,762,454Expenses 2014: $1,762,454Net Income 2014: $02014Revenue 2015: $1,926,630Expenses 2015: $1,926,630Net Income 2015: $02015Revenue 2016: $1,864,013Expenses 2016: $1,864,013Net Income 2016: $02016Revenue 2017: $1,783,642Expenses 2017: $1,783,642Net Income 2017: $02017Revenue 2018: $2,015,380Expenses 2018: $2,015,380Net Income 2018: $02018Revenue 2019: $2,058,600Expenses 2019: $2,058,600Net Income 2019: $02019Revenue 2020: $1,836,098Expenses 2020: $1,836,098Net Income 2020: $02020Revenue 2021: $1,878,740Expenses 2021: $1,878,740Net Income 2021: $02021Revenue 2022: $2,129,649Expenses 2022: $2,129,649Net Income 2022: $02022Revenue 2023: $2,281,075Expenses 2023: $2,281,075Net Income 2023: $02023Revenue 2024: $2,650,520Expenses 2024: $2,650,520Net Income 2024: $02024

Highlighted filing

2024

Revenue$2,650,520
Expenses$2,650,520
Net Income$0
Open 2024 Filing

Filings

Most recent year

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

Open filing
Assets
$931,547
Liabilities
$931,547
Net assets
$0
Revenue
$2,650,520
Expenses
$2,650,520
Net income
$0
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Detailed filing. Detailed filing data is available for this year.$0.93$0.93$0.00$2.65$2.65$0.00
2023Detailed filing. Detailed filing data is available for this year.$1.07$1.07$0.00$2.28$2.28$0.00
2022Detailed filing. Detailed filing data is available for this year.$1.20$1.20$0.00$2.13$2.13$0.00
2021Detailed filing. Detailed filing data is available for this year.$0.60$0.60$0.00$1.88$1.88$0.00
2020Detailed filing. Detailed filing data is available for this year.$0.60$0.60$0.00$1.84$1.84$0.00
2019Detailed filing. Detailed filing data is available for this year.$0.48$0.48$0.00$2.06$2.06$0.00
2018Detailed filing. Detailed filing data is available for this year.$0.47$0.47$0.00$2.02$2.02$0.00
2017Detailed filing. Detailed filing data is available for this year.$0.44$0.44$0.00$1.78$1.78$0.00
2016Detailed filing. Detailed filing data is available for this year.$0.45$0.45$0.00$1.86$1.86$0.00
2015Detailed filing. Detailed filing data is available for this year.$0.48$0.48$0.00$1.93$1.93$0.00
2014Detailed filing. Detailed filing data is available for this year.$0.49$0.49$0.00$1.76$1.76$0.00
2013Detailed filing. Detailed filing data is available for this year.$0.36$0.36$0.00$1.71$1.71$0.00
2012Summary only. Only limited summary data is available for this year.$0.40$0.40$0.00$1.74$1.74$0.00
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$0.46$0.46$0.00$1.68
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$0.54$0.54$0.00$1.80
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2024 to Dec 31, 2024
Signed
May 30, 2025
Return Version
2024v5.0
Gross Receipts
$2,650,520
Mission and Program Overview

Mission

Western Guaranty Fund Services manages seven property and casualty insurance guaranty associations.

To provide exceptional management and administrative services to member guaranty associations, ensuring their statutory and operational duties are carried out, while managing the financial and operational risks of the member associations and WGFS.

Balance Sheet Detail
LineBeginningEndChange
Assets
Accounts Receivable$330,053$331,471▲ $1,418
Cash and Non-Interest-Bearing Accounts$101,521$106,679▲ $5,158
Prepaid Expenses and Deferred Charges$75,298$74,838▼ $460
Land, Buildings, and Equipment, Net$52,689$37,044▼ $15,645
Total Assets$1,069,171$931,547▼ $137,624
Other Assets Total$509,610$381,515▼ $128,095
Liabilities
Other Liabilities$867,848$737,493▼ $130,355
Accounts Payable and Accrued Expenses$201,323$194,054▼ $7,269
Total Liabilities$1,069,171$931,547▼ $137,624
Net Assets / Fund Balance
Net Assets With Donor Restrictions$0$0→ $0
Net Assets Without Donor Restrictions$0$0→ $0
Total Net Assets Fund Balance$0$0→ $0
Total Liabilities and Net Assets / Fund Balance$1,069,171$931,547▼ $137,624

Asset Categories

AssetBook ValueDepreciationBasis
Equipment$6,420$81,903$88,323
Other Land Buildings$30,624$55,627$86,251
Buildings$0$0$0
Land$0-$0
Leasehold Improvements$0$0$0
Other Assets Org$350,449--
Compensation and Service Providers
Top Officer PayScore unavailable

Employees

NameTitleFull / Part TimeBaseOtherTotal
Chad AndersonPresidentFT$245,140$57,261$302,401
Lorraine SegedieController/CFOFT$189,928$36,367$226,295
Alex RambauIT/Admin ManagerFT$173,911$25,160$199,071
Claudia RenegarClaim ManagerFT$127,775$30,944$158,719

Board Members and Trustees

NameTitle
Chris Brown rep for KSBoard Chair
Kim Decker rep for COBoard Vice-Chair
Brennan Neville rep for NEBoard Member
John Graham rep for IDBoard Member
John Hedegard rep for WABoard Member
Kerri Bekker rep for MTBoard Member
Troy Lumaye rep for WYBoard Member

Highest Paid Contractors

ContractorServicesLocationCompensation
Faegre Drinker Biddle & Reath LLPLegal300 North Meridian Street, Suite 2500, Indianapolis, IN 46204$253,473
Centerra Prime LLCRent3200 E Cherry Creek South, Suite 125, Denver, CO 80209$139,773
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$2,650,520
Investment Income
$0
Other Revenue
$0
Change in Net Assets
$0

Audited Revenue Reconciliation

Revenue per Audited Statements
$2,650,520
Revenue Not Reported on Financial Statements
$0
Revenue Not Reported on Form 990
$0
Other Revenue Adjustments
$0
Total Revenue per Audited Statements
$2,650,520
Total Revenue per Form 990
$2,650,520
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Salaries, Compensation, and Employee Benefits$1,916,492
Other Expenses$734,028
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages$929,317$103,257$0$1,032,574
Current Officers, Directors, Trustees, and Key Employees$475,826$52,870$0$528,696
Information Technology$215,402$23,934$0$239,336
Other Employee Benefits$155,294$17,255$0$172,549
Occupancy$126,623$14,069$0$140,692
Fees for Services Other$109,509$12,168$0$121,677
Payroll Taxes$102,095$11,344$0$113,439
Pension Plan Contributions$62,311$6,923$0$69,234
Conferences and Meetings$49,306$5,478$0$54,784
Insurance$41,120$4,569$0$45,689
Travel$35,000$3,889$0$38,889
Office Expenses$28,986$3,221$0$32,207
Depreciation Depletion$18,187$2,021$0$20,208
Fees for Services Accounting$14,144$1,572$0$15,716
Other Expenses$6,374$707$0$7,081
Fees for Services Legal$4,032$448$0$4,480
Total Functional Expenses$2,385,468$265,052$0$2,650,520

Audited Expense Reconciliation

Line ItemAmount
Expenses per Audited Statements$2,650,520
Total Expenses per Audited Statements$2,650,520
Total Expenses per Form 990$2,650,520
Expenses Not Reported on Financial Statements$0
Expenses Not Reported on Form 990$0
Other Expense Adjustments$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
Operating Advances from Members$378,766
Operating Lease - Long Term$239,313
Operating Lease - Short Term$119,414
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
Yes
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
Yes
Conflict-of-interest policy
Yes
Audited financial statements prepared
No
Key decisions subject to board approval
No
Management duties delegated
No

Governance Explanations

Form 990, Part VI, Section A, Line 6

“The following seven state not-for-profit guaranty associations are members of Western Guaranty Fund Services: -Colorado Insurance Guaranty Association -Idaho Insurance Guaranty Association -Kansas Insurance Guaranty Association -Montana Insurance Guaranty Association -Nebraska Property and Liability Insurance Guaranty Association -Washington Insurance Guaranty Association -Wyoming Insurance Guaranty Association.”

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

“Western Guaranty Fund Services is governed by a board of directors consisting of one representative from each member guaranty association's board of directors. These representatives are elected to their state boards by insurance companies that are members of their state association. This board also serves as the executive committee.”

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

“The form 990 for Western Guaranty Fund Services was prepared by the Controller and the return was emailed to the board of directors for review prior to filing. Outside tax professionals are consulted as needed.”

Form 990, Part VI, Section B, Line 12C

“At the beginning of every board meeting, members of the board are reminded about the potential for conflicts of interest and given the opportunity to discuss any conflicts. On an annual basis, board members are asked to sign that they understand and comply with the conflict-of-interest policy.”

Form 990, Part VI, Section B, Line 15

“Compensation of the President is determined by the board of directors. The average percentage raise for other employees is also approved by the board. A look back at the previous three years are reviewed and occasionally salary studies are performed. Compensation discussion last took place at the board of directors meeting held on December 3, 2024.”

Form 990, Part VI, Section C, Line 19

“Western Guaranty Fund Service's governing documentation and financial statements are available to the public upon request.”

Filing and Contact Details

Filer

Filer Name
Western Guaranty Fund Services
EIN
84-0955267
Phone
3037595066
Address
1873 So Bellaire St Ste 920, Denver, CO 80222

Signing Officer

Name
Chad Anderson
Title
President
Phone
3037595066
Signed
2025-05-30

Organization Details

Principal Officer
Chad Anderson
Formed
1986
Legal Domicile
Co
Voting Board Members
7
Independent Board Members
7
Employees
14
Volunteers
0
Raw XML AppendixShowing 400 of 575 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.

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IRS990/Desc0Western Guaranty Fund Services provides accounting, administration and management for seven property and casualty insurance guaranty associations. In total, over 8,400 checks were issued paying over $13 million to claimants and providers during 2024. At year end, there were 486 open claims with over $96 million in estimated future claim obligations.
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IRS990/Form990PartVIISectionAGrp/PersonNm1Lorraine Segedie
IRS990/Form990PartVIISectionAGrp/PersonNm2Alex Rambau
IRS990/Form990PartVIISectionAGrp/PersonNm3Claudia Renegar
IRS990/Form990PartVIISectionAGrp/PersonNm4Chris Brown rep for KS
IRS990/Form990PartVIISectionAGrp/PersonNm5Kim Decker rep for CO
IRS990/Form990PartVIISectionAGrp/PersonNm6Brennan Neville rep for NE
IRS990/Form990PartVIISectionAGrp/PersonNm7John Graham rep for ID
IRS990/Form990PartVIISectionAGrp/PersonNm8Kerri Bekker rep for MT
IRS990/Form990PartVIISectionAGrp/PersonNm9John Hedegard rep for WA
IRS990/Form990PartVIISectionAGrp/PersonNm10Troy Lumaye rep for WY
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