Civic Intelligence

Nevada Insurance Guarantee Association

990 • Fiscal year 2019 • EIN 88-0134332

Jan 01, 2019 to Dec 31, 2019 • Filed on Oct 01, 2020

Organization ProfileWWW.NVIGA-PC.ORG

View Organization Page

3821 West Charleston Boulevard 100Las Vegas, NV 89102

(702) 368-0607

Siviq Scores

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

Liabilities / Assets

99th percentile

1.96x

Higher debt load relative to assets than 99% of similar nonprofits.

2019 filings • 501(c)6 • $10M-$25M nonprofits • Source year 2019

Liabilities / Revenue

97th percentile

4.08x

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

2019 filings • 501(c)6 • $10M-$25M nonprofits • Source year 2019

Net Margin

92nd percentile

36%

Higher net margin than 92% of similar nonprofits.

2019 filings • 501(c)6 • $10M-$25M nonprofits • Source year 2019

Top Officer Pay

14th percentile

$156,038

Higher top officer pay than 14% of similar nonprofits.

Top officer pay equals 1.9% of source-year revenue.

2019 filings • 501(c)6 • $10M-$25M nonprofits • Source year 2019

Asset Growth

88th percentile

24%

Faster asset growth than 88% of similar nonprofits.

2019 filings • 501(c)6 • $10M-$25M nonprofits • Annualized from 2018 to 2019

Revenue Growth

73rd percentile

10%

Faster revenue growth than 73% of similar nonprofits.

2019 filings • 501(c)6 • $10M-$25M nonprofits • Annualized from 2018 to 2019

Balance Sheet
Liabilities / Assets99th percentile

Assets

Up

$17,394,809

Up $3,372,034 (+24%) from 2018

Net Assets

Up

-$16,774,387

Up $4,618,915 (+22%) from 2018

Liabilities

Down

$34,169,196

Down $1,246,881 (-3.5%) from 2018

Revenue And Expenses
Liabilities / Revenue97th percentileNet Margin92nd percentile

Revenue

Up

$8,378,177

Up $780,649 (+10%) from 2018

Expenses

Up

$5,351,150

Up $147,151 (+2.8%) from 2018

Net Income

Up

$3,027,027

Up $633,498 (+26%) from 2018

Historical Trend

Balance Sheet Trend

Asset Growth88th percentile

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

$60M$40M$20M$0-$20M-$40MAssets 2011: $15,603,381Liabilities 2011: $8,655,026Net Assets 2011: $6,948,3552011Assets 2012: $15,404,627Liabilities 2012: $10,540,556Net Assets 2012: $4,864,0712012Assets 2013: $15,778,427Liabilities 2013: $31,741,071Net Assets 2013: -$15,962,6442013Assets 2014: $8,420,203Liabilities 2014: $33,947,242Net Assets 2014: -$25,527,0392014Assets 2015: $9,609,734Liabilities 2015: $25,568,174Net Assets 2015: -$15,958,4402015Assets 2016: $6,200,680Liabilities 2016: $22,722,566Net Assets 2016: -$16,521,8862016Assets 2017: $11,438,387Liabilities 2017: $36,726,237Net Assets 2017: -$25,287,8502017Assets 2018: $14,022,775Liabilities 2018: $35,416,077Net Assets 2018: -$21,393,3022018Assets 2019: $17,394,809Liabilities 2019: $34,169,196Net Assets 2019: -$16,774,3872019Assets 2020: $12,172,724Liabilities 2020: $42,321,295Net Assets 2020: -$30,148,5712020Assets 2021: $8,996,871Liabilities 2021: $38,909,701Net Assets 2021: -$29,912,8302021Assets 2022: $18,546,670Liabilities 2022: $36,089,390Net Assets 2022: -$17,542,7202022Assets 2023: $26,578,978Liabilities 2023: $20,971,446Net Assets 2023: $5,607,5322023Assets 2024: $24,918,038Liabilities 2024: $19,399,022Net Assets 2024: $5,519,0162024

Highlighted filing

2019

Assets$17,394,809
Liabilities$34,169,196
Net Assets-$16,774,387
Open 2019 Filing

Operations Trend

Revenue Growth73rd percentile

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

$20M$10M$0-$10MRevenue 2011: $1,705,788Expenses 2011: $1,705,036Net Income 2011: $7522011Revenue 2012: $2,618,272Expenses 2012: $2,716,979Net Income 2012: -$98,7072012Revenue 2013: $6,988,802Expenses 2013: $6,615,002Net Income 2013: $373,8002013Revenue 2014: $1,678,240Expenses 2014: $9,036,464Net Income 2014: -$7,358,2242014Revenue 2015: $8,708,004Expenses 2015: $7,514,559Net Income 2015: $1,193,4452015Revenue 2016: $1,066,399Expenses 2016: $4,475,454Net Income 2016: -$3,409,0552016Revenue 2017: $9,760,197Expenses 2017: $4,426,113Net Income 2017: $5,334,0842017Revenue 2018: $7,597,528Expenses 2018: $5,203,999Net Income 2018: $2,393,5292018Revenue 2019: $8,378,177Expenses 2019: $5,351,150Net Income 2019: $3,027,0272019Revenue 2020: $1,432,098Expenses 2020: $6,767,368Net Income 2020: -$5,335,2702020Revenue 2021: $5,521,875Expenses 2021: $8,701,715Net Income 2021: -$3,179,8402021Revenue 2022: $14,989,543Expenses 2022: $5,642,014Net Income 2022: $9,347,5292022Revenue 2023: $10,357,258Expenses 2023: $3,390,039Net Income 2023: $6,967,2192023Revenue 2024: $142,278Expenses 2024: $3,037,248Net Income 2024: -$2,894,9702024

Highlighted filing

2019

Revenue$8,378,177
Expenses$5,351,150
Net Income$3,027,027
Open 2019 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2019 to Dec 31, 2019
Signed
Oct 1, 2020
Return Version
2019v5.0
Gross Receipts
$8,378,177
Mission and Program Overview

Mission

Pay claims of insolvent insurance companies.

Balance Sheet Detail
LineBeginningEndChange
Assets
Savings and Temporary Cash Investments$13,817,789$17,140,680▲ $3,322,891
Cash and Non-Interest-Bearing Accounts$181,224$239,519▲ $58,295
Prepaid Expenses and Deferred Charges$8,533$8,533→ $0
Land, Buildings, and Equipment, Net$15,229$6,077▼ $9,152
Total Assets$14,022,775$17,394,809▲ $3,372,034
Liabilities
Other Liabilities$35,416,077$34,169,196▼ $1,246,881
Total Liabilities$35,416,077$34,169,196▼ $1,246,881
Net Assets / Fund Balance
Net Assets Without Donor Restrictions$-21,393,302$-16,774,387▲ $4,618,915
Total Net Assets Fund Balance$-21,393,302$-16,774,387▲ $4,618,915
Total Liabilities and Net Assets / Fund Balance$14,022,775$17,394,809▲ $3,372,034

Asset Categories

AssetBook ValueDepreciationBasis
Equipment$6,077$178,067$184,144
Compensation and Service Providers
Top Officer Pay14th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Robert LaudermilchExecutive DiFT$139,267$16,771$156,038
Robert LaudermilchExecutive Director-$139,267$16,771$156,038
Joe HernandezSecretary/tr-$3,000-$3,000
Peter M CazzollaChairperson-$2,000-$2,000

Board Members and Trustees

NameTitle
Kurt R StemmlerVice Chairpe
Barry VogtDirector
Cecil AutryDirector
Elizabeth MikesellDirector
John DonahueDirector
Michele BaladyDirector
Randi CigelnikDirector
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$0
Investment Income
$61
Other Revenue
$8,378,116
Change in Net Assets
$3,027,027

Audited Revenue Reconciliation

Revenue per Audited Statements
$8,378,177
Revenue Not Reported on Form 990
$345,007
Total Revenue per Audited Statements
$8,723,184
Total Revenue per Form 990
$8,378,177
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$4,977,670
Salaries, Compensation, and Employee Benefits$373,480
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Current Officers, Directors, Trustees, and Key Employees---$161,037
Other Salaries and Wages---$140,349
Information Technology---$93,638
Insurance---$76,014
Occupancy---$72,995
Other Employee Benefits---$42,485
Fees for Services Accounting---$38,729
Payroll Taxes---$22,525
Conferences and Meetings---$21,581
Office Expenses---$20,767
Depreciation Depletion---$15,086
All Other Expenses---$8,785
Pension Plan Contributions---$7,084
Fees for Services Other---$4,588
Fees for Services Legal---$3,205
Travel---$2,227
Other Expenses---$-79,978
Total Functional Expenses$0$0$0$5,351,150

Audited Expense Reconciliation

Line ItemAmount
Expenses per Audited Statements$5,351,150
Total Expenses per Audited Statements$5,351,150
Total Expenses per Form 990$5,351,150
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
Insurance Loss Reserves$34,169,196
Governance and Compliance

Governance Checklist

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

Governance Explanations

Form 990, Page 6, Part VI, Line 11B

“The process is as follows: upon receipt of the return, the executive director and bookkeeper review the documents contained herein. They then verify figures to the best available information from the general ledger for the reporting year. They also review the answers to each of the questions. Once the information meets their approval the documents are remitted with approval for final printing. The return is then printed, signed and submitted to the irs.”

Form 990, Page 6, Part VI, Line 12C

“During every board meeting any conflicts are discussed and recorded in the minutes of the meeting.”

Form 990, Page 6, Part VI, Line 19

“No documents available to the public.”

Filing and Contact Details

Filer

Filer Name
Nevada Insurance Guaranty
EIN
88-0134332
Phone
7023680607
Address
3821 WEST CHARLESTON BOULEVARD 100, LAS VEGAS, NV 89102

Signing Officer

Name
Robert Laudermilch
Title
Executive Director
Phone
7023680607
Signed
2020-10-01

Organization Details

Principal Officer
Robert Laudermilch
Formed
1971
Legal Domicile
Nv
Voting Board Members
8
Independent Board Members
8
Employees
4
Volunteers
7

Preparer

Firm
Larson & Company Pc
Address
11240 S RIVER HEIGHTS DR SUITE 300, SOUTH JORDAN, UT 84095-5123
Preparer
Richard Scoresby CPA
Phone
8013131900
Supplemental Narrative

Additional Explanations

Form 990, Part XI, Line 9

“Change in reserves 1,246,881”

Raw XML Appendix356 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/Form990PartVIISectionAGrp/PersonNm1JOE HERNANDEZ
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IRS990/Form990PartVIISectionAGrp/TitleTxt6DIRECTOR
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IRS990ScheduleD/ExpensesSubtotalAmt05351150
IRS990ScheduleD/NetUnrealizedGainsInvstAmt0345007
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt034169196
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0INSURANCE LOSS RESERVES
IRS990ScheduleD/RevenueNotReportedAmt0345007
IRS990ScheduleD/RevenueSubtotalAmt08378177
IRS990ScheduleD/TotalBookValueLandBuildingsAmt06077
IRS990ScheduleD/TotalExpensesPerForm990Amt05351150
IRS990ScheduleD/TotalLiabilityAmt034169196
IRS990ScheduleD/TotalRevenuePerForm990Amt08378177
IRS990ScheduleD/TotalRevEtcAuditedFinclStmtAmt08723184
IRS990ScheduleD/TotExpnsEtcAuditedFinclStmtAmt05351150
IRS990ScheduleJ/EquityBasedCompArrngmInd0false
IRS990/ScheduleJRequiredInd0true
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt0139267
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompensationFlngOrgAmt09730
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsFilingOrgAmt07041
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm0ROBERT LAUDERMILCH
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt0EXECUTIVE DIRECTOR
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationFilingOrgAmt0156038
IRS990ScheduleJ/SeverancePaymentInd0false
IRS990ScheduleJ/SupplementalNonqualRtrPlanInd0false
IRS990/ScheduleORequiredInd0true
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0THE PROCESS IS AS FOLLOWS: UPON RECEIPT OF THE RETURN, THE EXECUTIVE DIRECTOR AND BOOKKEEPER REVIEW THE DOCUMENTS CONTAINED HEREIN. THEY THEN VERIFY FIGURES TO THE BEST AVAILABLE INFORMATION FROM THE GENERAL LEDGER FOR THE REPORTING YEAR. THEY ALSO REVIEW THE ANSWERS TO EACH OF THE QUESTIONS. ONCE THE INFORMATION MEETS THEIR APPROVAL THE DOCUMENTS ARE REMITTED WITH APPROVAL FOR FINAL PRINTING. THE RETURN IS THEN PRINTED, SIGNED AND SUBMITTED TO THE IRS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1DURING EVERY BOARD MEETING ANY CONFLICTS ARE DISCUSSED AND RECORDED IN THE MINUTES OF THE MEETING.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2NO DOCUMENTS AVAILABLE TO THE PUBLIC.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3CHANGE IN RESERVES 1,246,881
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0FORM 990, PAGE 6, PART VI, LINE 11B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1FORM 990, PAGE 6, PART VI, LINE 12C
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2FORM 990, PAGE 6, PART VI, LINE 19
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3FORM 990, PART XI, LINE 9
IRS990/SchoolOperatingInd0false
IRS990/SignificantChangeInd0false
IRS990/SignificantNewProgramSrvcInd0false
IRS990/SubjectToExcsTaxNetInvstIncInd0false
IRS990/SubjectToProxyTaxInd0false
IRS990/SubjToTaxRmnrtnExPrchtPymtInd0false
IRS990/TaxablePartyNotificationInd0false
IRS990/TaxExemptBondsInd0false
IRS990/TerminateOperationsInd0false
IRS990/TotalAssetsBOYAmt014022775
IRS990/TotalAssetsEOYAmt017394809
IRS990/TotalAssetsGrp/BOYAmt014022775
IRS990/TotalAssetsGrp/EOYAmt017394809
IRS990/TotalCompGreaterThan150KInd0true
IRS990/TotalEmployeeCnt04
IRS990/TotalFunctionalExpensesGrp/FundraisingAmt00
IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt00
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt00
IRS990/TotalFunctionalExpensesGrp/TotalAmt05351150
IRS990/TotalGrossUBIAmt00
IRS990/TotalLiabilitiesBOYAmt035416077
IRS990/TotalLiabilitiesEOYAmt034169196
IRS990/TotalLiabilitiesGrp/BOYAmt035416077
IRS990/TotalLiabilitiesGrp/EOYAmt034169196
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt0-21393302
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt0-16774387
IRS990/TotalOtherCompensationAmt016771
IRS990/TotalReportableCompFromOrgAmt0144267
IRS990/TotalRevenueGrp/ExclusionAmt061
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt08378116
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt08378177
IRS990/TotalVolunteersCnt07
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt014022775
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt017394809
IRS990/TravelGrp/TotalAmt02227
IRS990/TypeOfOrganizationCorpInd0X
IRS990/UnrelatedBusIncmOverLimitInd0false
IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine1Txt03821 WEST CHARLESTON BOULEVARD 100
IRS990/USAddress/CityNm0LAS VEGAS
IRS990/USAddress/StateAbbreviationCd0NV
IRS990/USAddress/ZIPCd089102
IRS990/VotingMembersGoverningBodyCnt08
IRS990/VotingMembersIndependentCnt08
IRS990/WebsiteAddressTxt0WWW.NVIGA-PC.ORG
IRS990/WhistleblowerPolicyInd0true
ReturnHeader/BuildTS02021-04-22 16:20:28Z
ReturnHeader/BusinessOfficerGrp/PersonNm0ROBERT LAUDERMILCH
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0EXECUTIVE DIRECTOR
ReturnHeader/BusinessOfficerGrp/PhoneNum07023680607
ReturnHeader/BusinessOfficerGrp/SignatureDt02020-10-01
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0NEVADA INSURANCE GUARANTY
ReturnHeader/Filer/BusinessName/BusinessNameLine2Txt0ASSOCIATION
ReturnHeader/Filer/BusinessNameControlTxt0NEVA
ReturnHeader/Filer/EIN0880134332
ReturnHeader/Filer/PhoneNum07023680607
ReturnHeader/Filer/USAddress/AddressLine1Txt03821 WEST CHARLESTON BOULEVARD 100
ReturnHeader/Filer/USAddress/CityNm0LAS VEGAS
ReturnHeader/Filer/USAddress/StateAbbreviationCd0NV
ReturnHeader/Filer/USAddress/ZIPCd089102
ReturnHeader/FilingSecurityInformation/AtSubmissionCreationDeviceId0EA717641F22549CDBB25332EBA78148409166593
ReturnHeader/FilingSecurityInformation/AtSubmissionFilingDeviceId0D67822A4803BCCFEBC8EBB7FEAC85FA3EE612B9C
ReturnHeader/FilingSecurityInformation/FilingLicenseTypeCd0P
ReturnHeader/FilingSecurityInformation/IPAddress/IPv4AddressTxt0216.194.122.228
ReturnHeader/FilingSecurityInformation/IPDt02020-10-14
ReturnHeader/FilingSecurityInformation/IPTimezoneCd0CD
ReturnHeader/FilingSecurityInformation/IPTm010:16:30
ReturnHeader/PreparerFirmGrp/PreparerFirmEIN0870516083
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt0LARSON & COMPANY PC
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt011240 S RIVER HEIGHTS DR SUITE 300
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm0SOUTH JORDAN
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd0UT
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCd0840955123
ReturnHeader/PreparerPersonGrp/PhoneNum08013131900
ReturnHeader/PreparerPersonGrp/PreparationDt02020-10-02
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0RICHARD SCORESBY CPA
ReturnHeader/ReturnTs02020-10-14T10:16:30-05:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02019-01-01
ReturnHeader/TaxPeriodEndDt02019-12-31
ReturnHeader/TaxYr02019

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

Displayed year

2019 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$17,394,809
Liabilities
$34,169,196
Net assets
-$16,774,387
Revenue
$8,378,177
Expenses
$5,351,150
Net income
$3,027,027
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Detailed filing. Detailed filing data is available for this year.$24.9$19.4$5.52$0.14$3.04$2.89
2023Detailed filing. Detailed filing data is available for this year.$26.6$21.0$5.61$10.4$3.39$6.97
2022Detailed filing. Detailed filing data is available for this year.$18.5$36.1$17.5$15.0$5.64$9.35
2021Detailed filing. Detailed filing data is available for this year.$9.00$38.9$29.9$5.52$8.70$3.18
2020Detailed filing. Detailed filing data is available for this year.$12.2$42.3$30.1$1.43$6.77$5.34
2019Detailed filing. Detailed filing data is available for this year.$17.4$34.2$16.8$8.38$5.35$3.03
2018Detailed filing. Detailed filing data is available for this year.$14.0$35.4$21.4$7.60$5.20$2.39
2017Detailed filing. Detailed filing data is available for this year.$11.4$36.7$25.3$9.76$4.43$5.33
2016Detailed filing. Detailed filing data is available for this year.$6.20$22.7$16.5$1.07$4.48$3.41
2015Detailed filing. Detailed filing data is available for this year.$9.61$25.6$16.0$8.71$7.51$1.19
2014Detailed filing. Detailed filing data is available for this year.$8.42$33.9$25.5$1.68$9.04$7.36
2013Detailed filing. Detailed filing data is available for this year.$15.8$31.7$16.0$6.99$6.62$0.37
2012Summary only. Only limited summary data is available for this year.$15.4$10.5$4.86$2.62$2.72$0.10
2011Summary only. Only limited summary data is available for this year.$15.6$8.66$6.95$1.71$1.71$0.00