Civic Intelligence

Massachusetts Mutual Life Insurance

EIN 84-6036529 • 501(c)6 • Horsham, PA

Profile

Encourage cooperation among general insurance agents and provide a vehicle to share knowledge and experience of the members with each other.

220 Gibraltar Road Suite 350 350Horsham, PA 19044

n/A

Siviq Scores

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

Liabilities / Assets

49th percentile

0.00x

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

501(c)6 • <$500k nonprofits • Source year 2025

Liabilities / Revenue

51st percentile

0.00x

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

501(c)6 • <$500k nonprofits • Source year 2025

Net Margin

14th percentile

-39%

Higher net margin than 14% of similar nonprofits.

501(c)6 • <$500k nonprofits • Source year 2025

Top Officer Pay

77th percentile

$0

Higher top officer pay than 77% of similar nonprofits.

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

501(c)6 • <$500k nonprofits • Source year 2025

Asset Growth

26th percentile

-21%

Faster asset growth than 26% of similar nonprofits.

501(c)6 • <$500k nonprofits • Annualized from 2024 to 2025

Revenue Growth

27th percentile

-18%

Faster revenue growth than 27% of similar nonprofits.

501(c)6 • <$500k nonprofits • Annualized from 2024 to 2025

Balance Sheet
Liabilities / Assets49th percentile

Assets

Down

$173,144

Down $45,764 (-21%) from 2024

Liabilities

Flat

$0

Flat from 2024

Net Assets

Down

$173,144

Down $45,764 (-21%) from 2024

Operations
Liabilities / Revenue51st percentileNet Margin14th percentile

Revenue

Down

$116,866

Down $26,441 (-18%) from 2024

Expenses

Down

$162,630

Down $26,650 (-14%) from 2024

Net Income

Up

-$45,764

Up $209 (+0.5%) from 2024

Trend Graphs

Balance Sheet Trend

Asset Growth26th percentile

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

$300K$200K$100K$0Assets 2010: $80,239Net Assets 2010: $80,2392010Assets 2011: $75,731Liabilities 2011: $02011Assets 2012: $74,944Net Assets 2012: $74,9442012Assets 2013: $96,715Net Assets 2013: $96,7152013Assets 2014: $132,267Net Assets 2014: $132,2672014Assets 2015: $119,226Net Assets 2015: $119,2262015Assets 2016: $162,265Net Assets 2016: $162,2652016Assets 2017: $226,131Net Assets 2017: $226,1312017Assets 2018: $220,151Net Assets 2018: $220,1512018Assets 2019: $231,659Liabilities 2019: $02019Assets 2020: $273,702Net Assets 2020: $273,7022020Assets 2021: $256,616Net Assets 2021: $256,6162021Assets 2022: $229,248Net Assets 2022: $229,2482022Assets 2023: $264,881Liabilities 2023: $0Net Assets 2023: $264,8812023Assets 2024: $218,908Liabilities 2024: $0Net Assets 2024: $218,9082024Assets 2025: $173,144Liabilities 2025: $0Net Assets 2025: $173,1442025

Highlighted filing

2025

Assets$173,144
Liabilities$0
Net Assets$173,144
Open 2025 Filing

Operations Trend

Revenue Growth27th percentile

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

$200K$100K$0-$100KRevenue 2010: $82,262Expenses 2010: $64,111Net Income 2010: $18,1512010Revenue 2011: $86,090Expenses 2011: $90,598Net Income 2011: -$4,5082011Revenue 2012: $83,353Expenses 2012: $84,140Net Income 2012: -$7872012Revenue 2013: $105,079Expenses 2013: $83,309Net Income 2013: $21,7702013Revenue 2014: $146,242Expenses 2014: $110,690Net Income 2014: $35,5522014Revenue 2015: $87,541Expenses 2015: $100,583Net Income 2015: -$13,0422015Revenue 2016: $133,163Expenses 2016: $90,124Net Income 2016: $43,0392016Revenue 2017: $170,033Expenses 2017: $106,168Net Income 2017: $63,8652017Revenue 2018: $113,783Expenses 2018: $119,763Net Income 2018: -$5,9802018Revenue 2019: $139,903Expenses 2019: $128,395Net Income 2019: $11,5082019Revenue 2020: $163,764Expenses 2020: $121,721Net Income 2020: $42,0432020Revenue 2021: $147,004Expenses 2021: $164,090Net Income 2021: -$17,0862021Revenue 2022: $133,504Expenses 2022: $160,872Net Income 2022: -$27,3682022Revenue 2023: $136,999Expenses 2023: $101,366Net Income 2023: $35,6332023Revenue 2024: $143,307Expenses 2024: $189,280Net Income 2024: -$45,9732024Revenue 2025: $116,866Expenses 2025: $162,630Net Income 2025: -$45,7642025

Highlighted filing

2025

Revenue$116,866
Expenses$162,630
Net Income-$45,764
Open 2025 Filing

Filings

Most recent year

2025 • Form 990EZDetailed filing. Detailed filing data is available for this year.

Open filing
Assets
$173,144
Liabilities
$0
Net assets
$173,144
Revenue
$116,866
Expenses
$162,630
Net income
-$45,764
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2025Detailed filing. Detailed filing data is available for this year.$1.73$0.00$1.73$1.17$1.63$0.46
2024XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$2.19$0.00$2.19$1.43$1.89$0.46
2023XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$2.65$0.00$2.65$1.37$1.01$0.36
2022XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$2.29$2.29$1.34$1.61$0.27
2021XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$2.57$2.57$1.47$1.64$0.17
2020Detailed filing. Detailed filing data is available for this year.$2.74$2.74$1.64$1.22$0.42
2019Summary only. Only limited summary data is available for this year.$2.32$0.00$1.40$1.28$0.12
2018XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$2.20$2.20$1.14$1.20$0.06
2017XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$2.26$2.26$1.70$1.06$0.64
2016XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$1.62$1.62$1.33$0.90$0.43
2015XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$1.19$1.19$0.88$1.01$0.13
2014Detailed filing. Detailed filing data is available for this year.$1.32$1.32$1.46$1.11$0.36
2013Detailed filing. Detailed filing data is available for this year.$0.97$0.97$1.05$0.83$0.22
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$0.75$0.75$0.83$0.84$0.01
2011Summary only. Only limited summary data is available for this year.$0.76$0.00$0.86$0.91$0.05
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$0.80$0.80$0.82$0.64$0.18
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2025 to Dec 31, 2025
Signed
Feb 27, 2026
Return Version
2025v4.0
Gross Receipts
$116,866
Mission and Program Overview

Mission

The association's exempt purpose is to encourage cooperation among general insurance agents and provide a vehicle to share knowledge and experience of the members with each other.

Program Services

DescriptionGrantsExpenses
VARIOUS MEETINGS ARE HELD THROUGHOUT THE YEAR TO DISCUSS CURRENT TOPICS RELEVANT TO THE INSURANCE BUSINESS. SUBCOMMITTEES ARE FORMED FOR SPECIFIC INSURANCE PRODUCTS AND/OR BUSINESS NEEDS (SUCH AS LIFE, DISABILITY INCOME, NEW BUSINESS, RECRUITING, TRAINING, ETC).$0$150,420
Compensation and Service Providers
Top Officer Pay77th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
ERIC SPINDTPresident-$0--
JERRY CORLESSVice President-$0--
CHRIS FURRULETreasurer-$0--
MICHAEL LEVINSecretary-$0--
Political and Lobbying Activity
In-house lobbying only
Yes
Filing and Contact Details

Filer

Filer Name
Massachusetts Mutual Life Insurance
EIN
84-6036529
Phone
7578424838
Address
220 GIBRALTAR ROAD SUITE 350 350, HORSHAM, PA 19044

Signing Officer

Name
Christopher Furrule
Title
Treasurer
Phone
7578424838
Signed
2026-02-27
Discuss with paid preparer
Yes

Preparer

Firm
Dunlapslk Pc
Address
1300 HORIZON DRIVE SUITE 106, CHALFONT, PA 18914
Preparer
Stephanie L Krupp
Phone
2675943755
Supplemental Narrative

Additional Explanations

Form 990-ez, Part I, Line 4 - Other Investment Income

“Description: interest income. Amount: 2,190.”

Form 990-ez, Part I, Line 16 - Other Expenses

“Description: travel. Amount: 53,587. Description: gifts recognition. Amount: 30,306. Description: meals and entertainment. Amount: 2,658. Description: quickbooks fees. Amount: 1,950. Description: meeting. Amount: 63,869. Total to form 990-ez, line 16: 152,370.”

Raw XML Appendix114 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
IRS990EZ/ActivitiesNotPreviouslyRptInd00
IRS990EZ/BooksInCareOfDetail/BusinessName/BusinessNameLine1Txt0MARYANN LUTZ
IRS990EZ/BooksInCareOfDetail/PhoneNum02152939307
IRS990EZ/BooksInCareOfDetail/USAddress/AddressLine1Txt01480 GULF BLVD 112
IRS990EZ/BooksInCareOfDetail/USAddress/CityNm0CLEARWATER
IRS990EZ/BooksInCareOfDetail/USAddress/StateAbbreviationCd0FL
IRS990EZ/BooksInCareOfDetail/USAddress/ZIPCd033767
IRS990EZ/CashSavingsAndInvestmentsGrp/BOYAmt0218908
IRS990EZ/CashSavingsAndInvestmentsGrp/EOYAmt0173144
IRS990EZ/ChgMadeToOrgnzngDocNotRptInd00
IRS990EZ/DirectIndirectPltclExpendAmt00
IRS990EZ/DonorAdvisedFndsInd00
IRS990EZ/ExcessOrDeficitForYearAmt0-45764
IRS990EZ/FeesAndOtherPymtToIndCntrctAmt010260
IRS990EZ/ForeignFinancialAccountInd00
IRS990EZ/ForeignOfficeInd00
IRS990EZ/Form990TotalAssetsGrp/BOYAmt0218908
IRS990EZ/Form990TotalAssetsGrp/EOYAmt0173144
IRS990EZ/GrossReceiptsAmt0116866
IRS990EZ/InfoInScheduleOPartIIIInd0X
IRS990EZ/InfoInScheduleOPartIInd0X
IRS990EZ/InfoInScheduleOPartVInd0X
IRS990EZ/InvestmentIncomeAmt02190
IRS990EZ/MadeLoansToFromOfficersInd00
IRS990EZ/MembershipDuesAmt0114676
IRS990EZ/MethodOfAccountingCashInd0X
IRS990EZ/NetAssetsOrFundBalancesBOYAmt0218908
IRS990EZ/NetAssetsOrFundBalancesEOYAmt0173144
IRS990EZ/NetAssetsOrFundBalancesGrp/BOYAmt0218908
IRS990EZ/NetAssetsOrFundBalancesGrp/EOYAmt0173144
IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt02.00
IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt12.00
IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt22.00
IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt32.00
IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt00
IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt10
IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt20
IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt30
IRS990EZ/OfficerDirectorTrusteeEmplGrp/EmployeeBenefitProgramAmt00
IRS990EZ/OfficerDirectorTrusteeEmplGrp/EmployeeBenefitProgramAmt10
IRS990EZ/OfficerDirectorTrusteeEmplGrp/EmployeeBenefitProgramAmt20
IRS990EZ/OfficerDirectorTrusteeEmplGrp/EmployeeBenefitProgramAmt30
IRS990EZ/OfficerDirectorTrusteeEmplGrp/ExpenseAccountOtherAllwncAmt00
IRS990EZ/OfficerDirectorTrusteeEmplGrp/ExpenseAccountOtherAllwncAmt10
IRS990EZ/OfficerDirectorTrusteeEmplGrp/ExpenseAccountOtherAllwncAmt20
IRS990EZ/OfficerDirectorTrusteeEmplGrp/ExpenseAccountOtherAllwncAmt30
IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm0ERIC SPINDT
IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm1JERRY CORLESS
IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm2CHRIS FURRULE
IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm3MICHAEL LEVIN
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt0PRESIDENT
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt1VICE PRESIDENT
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt2TREASURER
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt3SECRETARY
IRS990EZ/OperateHospitalInd00
IRS990EZ/Organization501cInd0X
IRS990EZ/OrganizationDissolvedEtcInd00
IRS990EZ/OrganizationHadUBIInd00
IRS990EZ/OtherChangesInNetAssetsAmt00
IRS990EZ/OtherExpensesTotalAmt0152370
IRS990EZ/PoliticalCampaignActyInd00
IRS990EZ/PrimaryExemptPurposeTxt0THE ASSOCIATION'S EXEMPT PURPOSE IS TO ENCOURAGE COOPERATION AMONG GENERAL INSURANCE AGENTS AND PROVIDE A VEHICLE TO SHARE KNOWLEDGE AND EXPERIENCE OF THE MEMBERS WITH EACH OTHER.
IRS990EZ/ProgramSrvcAccomplishmentGrp/DescriptionProgramSrvcAccomTxt0VARIOUS MEETINGS ARE HELD THROUGHOUT THE YEAR TO DISCUSS CURRENT TOPICS RELEVANT TO THE INSURANCE BUSINESS. SUBCOMMITTEES ARE FORMED FOR SPECIFIC INSURANCE PRODUCTS AND/OR BUSINESS NEEDS (SUCH AS LIFE, DISABILITY INCOME, NEW BUSINESS, RECRUITING, TRAINING, ETC).
IRS990EZ/ProgramSrvcAccomplishmentGrp/GrantsAndAllocationsAmt00
IRS990EZ/ProgramSrvcAccomplishmentGrp/ProgramServiceExpensesAmt0150420
IRS990EZ/ProhibitedTaxShelterTransInd00
IRS990EZ/RelatedOrganizationCtrlEntInd00
IRS990EZ/ScheduleBNotRequiredInd0X
IRS990EZ/SubjectToProxyTaxInd01
IRS990EZ/SumOfTotalLiabilitiesGrp/BOYAmt00
IRS990EZ/SumOfTotalLiabilitiesGrp/EOYAmt00
IRS990EZ/TanningServicesProvidedInd00
IRS990EZ/TotalExpensesAmt0162630
IRS990EZ/TotalProgramServiceExpensesAmt0150420
IRS990EZ/TotalRevenueAmt0116866
IRS990EZ/TypeOfOrganizationAssocInd0X
IRS990EZ/WebsiteAddressTxt0N/A
IRS990ScheduleC/AgreeCarryoverPriorYearInd00
IRS990ScheduleC/OnlyInHouseLobbyingInd01
IRS990ScheduleC/SubstantiallyAllDuesNondedInd01
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0DESCRIPTION: INTEREST INCOME. AMOUNT: 2,190.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1DESCRIPTION: TRAVEL. AMOUNT: 53,587. DESCRIPTION: GIFTS RECOGNITION. AMOUNT: 30,306. DESCRIPTION: MEALS AND ENTERTAINMENT. AMOUNT: 2,658. DESCRIPTION: QUICKBOOKS FEES. AMOUNT: 1,950. DESCRIPTION: MEETING. AMOUNT: 63,869. TOTAL TO FORM 990-EZ, LINE 16: 152,370.
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0FORM 990-EZ, PART I, LINE 4 - OTHER INVESTMENT INCOME
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1FORM 990-EZ, PART I, LINE 16 - OTHER EXPENSES
TransferPrsnlBnftContractsDecl/DeclarationDesc0THE ORGANIZATION DID NOT, DURING THE YEAR, RECEIVE ANY FUNDS, DIRECTLY,OR INDIRECTLY, TO PAY PREMIUMS ON A PERSONAL BENEFIT CONTRACT.THE ORGANIZATION, DID NOT, DURING THE YEAR, PAY ANY PREMIUMS, DIRECTLY,OR INDIRECTLY, ON A PERSONAL BENEFIT CONTRACT.
ReturnHeader/BuildTS02025-03-06 01:10:19Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd01
ReturnHeader/BusinessOfficerGrp/PersonNm0CHRISTOPHER FURRULE
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0TREASURER
ReturnHeader/BusinessOfficerGrp/PhoneNum07578424838
ReturnHeader/BusinessOfficerGrp/SignatureDt02026-02-27
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0MASSACHUSETTS MUTUAL LIFE INSURANCE
ReturnHeader/Filer/BusinessName/BusinessNameLine2Txt0GENERAL AGENTS ASSOCIATION
ReturnHeader/Filer/BusinessNameControlTxt0MASS
ReturnHeader/Filer/EIN0846036529
ReturnHeader/Filer/PhoneNum07578424838
ReturnHeader/Filer/USAddress/AddressLine1Txt0220 GIBRALTAR ROAD SUITE 350 350
ReturnHeader/Filer/USAddress/CityNm0HORSHAM
ReturnHeader/Filer/USAddress/StateAbbreviationCd0PA
ReturnHeader/Filer/USAddress/ZIPCd019044
ReturnHeader/PreparerFirmGrp/PreparerFirmEIN0233018514
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt0DUNLAPSLK PC
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt01300 HORIZON DRIVE SUITE 106
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm0CHALFONT
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd0PA
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCd018914
ReturnHeader/PreparerPersonGrp/PhoneNum02675943755
ReturnHeader/PreparerPersonGrp/PreparationDt02026-02-27
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0STEPHANIE L KRUPP
ReturnHeader/ReturnTs02026-03-09T10:37:49-05:00
ReturnHeader/ReturnTypeCd0990EZ
ReturnHeader/TaxPeriodBeginDt02025-01-01
ReturnHeader/TaxPeriodEndDt02025-12-31
ReturnHeader/TaxYr02025

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