Civic Intelligence

Oregon Fair Plan Association

990 • Fiscal year 2013 • EIN 93-0571699

Jan 01, 2013 to Dec 31, 2013 • Filed on Jul 10, 2014

Organization Profilewww.orfairplan.com
8705 SW Nimbus AveBeaverton, OR 97008

(503) 643-5448

Siviq Scores

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

Liabilities / Assets

47th percentile

0.17x

Higher debt load relative to assets than 47% of similar nonprofits.

2013 filings • 501(c)6 • $1M-$5M nonprofits • Source year 2013

Liabilities / Revenue

84th percentile

0.60x

Higher debt load relative to revenue than 84% of similar nonprofits.

2013 filings • 501(c)6 • $1M-$5M nonprofits • Source year 2013

Net Margin

53rd percentile

3.9%

Higher net margin than 53% of similar nonprofits.

2013 filings • 501(c)6 • $1M-$5M nonprofits • Source year 2013

Top Officer Pay

38th percentile

$108,200

Higher top officer pay than 38% of similar nonprofits.

Top officer pay equals 10.5% of source-year revenue.

2013 filings • 501(c)6 • $1M-$5M nonprofits • Source year 2013

Asset Growth

38th percentile

1.3%

Faster asset growth than 38% of similar nonprofits.

2013 filings • 501(c)6 • $1M-$5M nonprofits • Annualized from 2012 to 2013

Revenue Growth

Score unavailable

No value available

No earlier valid filing was available within the previous three public years.

Source year 2013

Balance Sheet
Liabilities / Assets47th percentile

Assets

Up

$3,648,045

Up $47,284 (+1.3%) from 2012

Net Assets

Down

$3,031,663

Down $10,017 (-0.3%) from 2012

Liabilities

Up

$616,382

Up $57,301 (+10%) from 2012

Revenue And Expenses
Liabilities / Revenue84th percentileNet Margin53rd percentile

Revenue

$1,030,374

No earlier filing loaded for comparison.

Expenses

Up

$990,525

Up $231,483 (+30%) from 2012

Net Income

$39,849

No earlier filing loaded for comparison.

Historical Trend

Balance Sheet Trend

Asset Growth38th percentile

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

$6.0M$4.0M$2.0M$0Assets 2010: $3,286,737Liabilities 2010: $673,213Net Assets 2010: $2,613,5242010Assets 2011: $3,323,658Liabilities 2011: $531,374Net Assets 2011: $2,792,2842011Assets 2012: $3,600,761Liabilities 2012: $559,081Net Assets 2012: $3,041,6802012Assets 2013: $3,648,045Liabilities 2013: $616,382Net Assets 2013: $3,031,6632013Assets 2014: $3,869,521Liabilities 2014: $607,430Net Assets 2014: $3,262,0912014Assets 2015: $3,875,188Liabilities 2015: $596,093Net Assets 2015: $3,279,0952015Assets 2016: $4,032,869Liabilities 2016: $821,661Net Assets 2016: $3,211,2082016Assets 2017: $3,896,694Liabilities 2017: $538,006Net Assets 2017: $3,358,6882017Assets 2018: $3,933,114Liabilities 2018: $526,418Net Assets 2018: $3,406,6962018Assets 2019: $4,136,015Liabilities 2019: $507,550Net Assets 2019: $3,628,4652019Assets 2020: $3,500,763Liabilities 2020: $512,400Net Assets 2020: $2,988,3632020Assets 2021: $2,874,839Liabilities 2021: $583,684Net Assets 2021: $2,291,1552021Assets 2022: $2,979,621Liabilities 2022: $886,185Net Assets 2022: $2,093,4362022Assets 2023: $3,569,370Liabilities 2023: $1,086,300Net Assets 2023: $2,483,0702023Assets 2024: $4,926,399Liabilities 2024: $1,617,655Net Assets 2024: $3,308,7442024

Highlighted filing

2013

Assets$3,648,045
Liabilities$616,382
Net Assets$3,031,663
Open 2013 Filing

Operations Trend

Revenue GrowthScore unavailable

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

$3.0M$2.0M$1.0M$0-$1.0MExpenses 2010: $1,046,7672010Expenses 2011: $844,5912011Expenses 2012: $759,0422012Revenue 2013: $1,030,374Expenses 2013: $990,525Net Income 2013: $39,8492013Revenue 2014: $910,523Expenses 2014: $705,745Net Income 2014: $204,7782014Revenue 2015: $1,015,595Expenses 2015: $917,487Net Income 2015: $98,1082015Revenue 2016: $1,074,600Expenses 2016: $1,008,019Net Income 2016: $66,5812016Revenue 2017: $1,009,098Expenses 2017: $824,539Net Income 2017: $184,5592017Revenue 2018: $922,115Expenses 2018: $807,166Net Income 2018: $114,9492018Revenue 2019: $849,167Expenses 2019: $740,554Net Income 2019: $108,6132019Revenue 2020: $876,942Expenses 2020: $1,567,473Net Income 2020: -$690,5312020Revenue 2021: $884,405Expenses 2021: $1,497,636Net Income 2021: -$613,2312021Revenue 2022: $1,090,472Expenses 2022: $1,119,430Net Income 2022: -$28,9582022Revenue 2023: $1,892,760Expenses 2023: $1,521,943Net Income 2023: $370,8172023Revenue 2024: $2,710,005Expenses 2024: $1,894,897Net Income 2024: $815,1082024

Highlighted filing

2013

Revenue$1,030,374
Expenses$990,525
Net Income$39,849
Open 2013 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2013 to Dec 31, 2013
Signed
Jul 10, 2014
Return Version
2013v3.1
Gross Receipts
$1,030,374
Mission and Program Overview

Mission

To ensure that all eligible property in the State of Oregon can obtain essential property insurance for those who are unable to qualify for coverage under traditional insurance providers.

Balance Sheet Detail
LineBeginningEndChange
Assets
Rtn Earn Endowment Incm Other Fnds$3,041,680$3,031,663▼ $10,017
Savings and Temporary Cash Investments$667,860$0▼ $667,860
Cash and Non-Interest-Bearing Accounts$2,557,658$341,422▼ $2,216,236
Accounts Receivable-$38,348-
Other Notes and Loans Receivable, Net-$0-
Pledges and Grants Receivable-$0-
Receivable From Disqualified Prsn-$0-
Receivables From Officers Etc-$0-
Investments Other Securities-$0-
Investments Program Related-$0-
Investments in Publicly Traded Securities-$0-
Land, Buildings, and Equipment, Net-$0-
Intangible Assets-$0-
Inventories for Sale or Use-$0-
Prepaid Expenses and Deferred Charges-$0-
Total Assets$3,600,761$3,648,045▲ $47,284
Other Assets Total$375,243$3,268,275▲ $2,893,032
Liabilities
Deferred Revenue$464,712$425,573▼ $39,139
Accounts Payable and Accrued Expenses$94,369$190,809▲ $96,440
Total Liabilities$559,081$616,382▲ $57,301
Net Assets / Fund Balance
Total Net Assets Fund Balance$3,041,680$3,031,663▼ $10,017
Total Liabilities and Net Assets / Fund Balance$3,600,761$3,648,045▲ $47,284
Compensation and Service Providers
Top Officer Pay38th percentile

Employees

NameTitleFull / Part TimeBaseTotal
Phil BensonExecutive DirectorFT$108,200$108,200

Board Members and Trustees

NameTitle
Eric CutlerChairman
Thomas dos RemediosVice Chair
Gary HamDirector
Gary HubbardDirector
Gary WhitingDirector
Jim IgnozzittoDirector
John FolawnDirector
Tom FaurotDirector
Yolanda TobiasenDirector
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$986,659
Investment Income
$43,715
Other Revenue
$0
Change in Net Assets
$39,849

Audited Revenue Reconciliation

Revenue per Audited Statements
$1,030,374
Revenue Not Reported on Form 990
$-49,866
Total Revenue per Audited Statements
$980,508
Total Revenue per Form 990
$1,030,374
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$682,720
Salaries, Compensation, and Employee Benefits$307,805
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Information Technology---$137,845
Other Salaries and Wages---$109,499
Current Officers, Directors, Trustees, and Key Employees---$108,200
Other Employee Benefits---$37,586
Occupancy---$36,080
Pension Plan Contributions---$32,426
Office Expenses---$29,866
Payroll Taxes---$20,094
Other Expenses---$19,465
All Other Expenses---$17,649
Fees for Services Accounting---$12,930
Insurance---$8,715
Fees for Services Other---$3,500
Total Functional Expenses$0$0$0$990,525

Audited Expense Reconciliation

Line ItemAmount
Expenses per Audited Statements$990,525
Total Expenses per Audited Statements$990,525
Total Expenses per Form 990$990,525
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
Lobbying activity
No
Subject to proxy tax
No
Insider Transactions and Loans

Interested-Person Transactions

Interested PartyRelationshipDescriptionShared RevenueAmount
-Relative of EDConsulting servicesNo$19,805

Loans and Receivables

Line ItemBeginningEndChange
Receivables from Disqualified Persons-$0-
Receivables from Officers, Directors, Trustees, and Key Employees-$0-
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 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
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, Part VI, Line 6: Explanation of Classes of Members or Shareholder

“All insurers engaged in writing property insurance in the state of Oregon are members of the Association.”

Form 990, Part VI, Line 11B: Form 990 Review Process

“990 is reviewed by the Board prior to filing”

Form 990, Part VI, Line 12C: Explanation of Monitoring and Enforcement of Conflicts

“Potential conflicts are disclosed to the Board”

Form 990, Part VI, Line 15A: Compensation Review & Approval Process - CEO, Top Management

“Board approves compensation for Executive Director”

Form 990, Part VI, Line 19: Other Organization Documents Publicly Available

“Documents and financial information are available upon request”

Filing and Contact Details

Filer

EIN
93-0571699
Phone
5036435448

Signing Officer

Name
Chuck Katter
Title
Chairman
Signed
2014-07-10
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Eric Cutler
Formed
1971
Legal Domicile
Or
Voting Board Members
9
Independent Board Members
9
Employees
4

Preparer

Preparer
Richard Winkel
Phone
5033326750
Raw XML Appendix387 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/ProfessionalFundraisingInd0false
IRS990/ProgramServiceRevenueGrp/Desc0Basic Insurance Cover
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt0986659
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt0986659
IRS990/ProhibitedTaxShelterTransInd0false
IRS990/PYExcessBenefitTransInd0false
IRS990/PYInvestmentIncomeAmt015298
IRS990/PymtTravelEntrtnmntPubOfclGrp/TotalAmt00
IRS990/PYOtherExpensesAmt0447960
IRS990/PYProgramServiceRevenueAmt0959278
IRS990/PYRevenuesLessExpensesAmt0215534
IRS990/PYSalariesCompEmpBnftPaidAmt0311082
IRS990/PYTotalExpensesAmt0759042
IRS990/PYTotalRevenueAmt0974576
IRS990/RcvblFromDisqualifiedPrsnGrp/EOYAmt00
IRS990/ReceivablesFromOfficersEtcGrp/EOYAmt00
IRS990/ReconcilationRevenueExpnssAmt039849
IRS990/RegularMonitoringEnfrcInd0true
IRS990/RelatedEntityInd0false
IRS990/RelatedOrganizationCtrlEntInd0false
IRS990/ReportInvestmentsOtherSecInd0false
IRS990/ReportLandBuildingEquipmentInd0false
IRS990/ReportOtherAssetsInd0true
IRS990/ReportOtherLiabilitiesInd0false
IRS990/ReportProgramRelatedInvstInd0false
IRS990/RoyaltiesGrp/TotalAmt00
IRS990/RoyaltiesRevenueGrp/TotalRevenueColumnAmt00
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt03041680
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt03031663
IRS990/SavingsAndTempCashInvstGrp/BOYAmt0667860
IRS990/SavingsAndTempCashInvstGrp/EOYAmt00
IRS990/ScheduleBRequiredInd0false
IRS990ScheduleD/ExpensesSubtotalAmt0990525
IRS990ScheduleD/NetUnrealizedGainsInvstAmt0-49866
IRS990ScheduleD/RevenueNotReportedAmt0-49866
IRS990ScheduleD/RevenueSubtotalAmt01030374
IRS990ScheduleD/TotalBookValueOtherAssetsAmt03268275
IRS990ScheduleD/TotalExpensesPerForm990Amt0990525
IRS990ScheduleD/TotalRevenuePerForm990Amt01030374
IRS990ScheduleD/TotalRevEtcAuditedFinclStmtAmt0980508
IRS990ScheduleD/TotExpnsEtcAuditedFinclStmtAmt0990525
IRS990/ScheduleJRequiredInd0false
IRS990ScheduleL/BusTrInvolveInterestedPrsnGrp/NameOfInterested/BusinessName/BusinessNameLine10GeeksAKnockin
IRS990ScheduleL/BusTrInvolveInterestedPrsnGrp/RelationshipDescriptionTxt0Relative of ED
IRS990ScheduleL/BusTrInvolveInterestedPrsnGrp/SharingOfRevenuesInd0false
IRS990ScheduleL/BusTrInvolveInterestedPrsnGrp/TransactionAmt019805
IRS990ScheduleL/BusTrInvolveInterestedPrsnGrp/TransactionDesc0Consulting services
IRS990ScheduleL/SupplementalInformationDetail/ExplanationTxt0Hired company owned by family member of the Executive Director for consulting work.
IRS990ScheduleL/SupplementalInformationDetail/FormAndLineReferenceDesc0Schedule L, Part V Supplemental Information
IRS990/ScheduleORequiredInd0true
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0All insurers engaged in writing property insurance in the state of Oregon are members of the Association.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1990 is reviewed by the Board prior to filing
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2Potential conflicts are disclosed to the Board
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3Board approves compensation for Executive Director
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4Documents and financial information are available upon request
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0Form 990, Part VI, Line 6: Explanation of Classes of Members or Shareholder
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1Form 990, Part VI, Line 11b: Form 990 Review Process
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2Form 990, Part VI, Line 12c: Explanation of Monitoring and Enforcement of Conflicts
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3Form 990, Part VI, Line 15a: Compensation Review & Approval Process - CEO, Top Management
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4Form 990, Part VI, Line 19: Other Organization Documents Publicly Available
IRS990/SchoolOperatingInd0false
IRS990/SignificantChangeInd0false
IRS990/SignificantNewProgramSrvcInd0false
IRS990/SubjectToProxyTaxInd0false
IRS990/TaxableDistributionsInd0false
IRS990/TaxablePartyNotificationInd0false
IRS990/TaxExemptBondsInd0false
IRS990/TempOrPermanentEndowmentsInd0false
IRS990/TerminateOperationsInd0false
IRS990/TotalAssetsBOYAmt03600761
IRS990/TotalAssetsEOYAmt03648045
IRS990/TotalAssetsGrp/BOYAmt03600761
IRS990/TotalAssetsGrp/EOYAmt03648045
IRS990/TotalCompGreaterThan150KInd0false
IRS990/TotalContributionsAmt00
IRS990/TotalEmployeeCnt04
IRS990/TotalFunctionalExpensesGrp/FundraisingAmt00
IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt00
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt00
IRS990/TotalFunctionalExpensesGrp/TotalAmt0990525
IRS990/TotalGrossUBIAmt00
IRS990/TotalLiabilitiesBOYAmt0559081
IRS990/TotalLiabilitiesEOYAmt0616382
IRS990/TotalLiabilitiesGrp/BOYAmt0559081
IRS990/TotalLiabilitiesGrp/EOYAmt0616382
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt03041680
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt03031663
IRS990/TotalProgramServiceRevenueAmt0986659
IRS990/TotalReportableCompFromOrgAmt0108200
IRS990/TotalRevenueGrp/ExclusionAmt043715
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt0986659
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt01030374
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt03600761
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt03648045
IRS990/TransactionWithControlEntInd0false
IRS990/TravelGrp/TotalAmt00
IRS990/TrnsfrExmptNonChrtblRltdOrgInd0false
IRS990/TypeOfOrganizationAssocInd0X
IRS990/UnrelatedBusIncmOverLimitInd0false
IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine108705 SW Nimbus Ave Suite 360
IRS990/USAddress/City0Beaverton
IRS990/USAddress/State0OR
IRS990/USAddress/ZIPCode097008
IRS990/VotingMembersGoverningBodyCnt09
IRS990/VotingMembersIndependentCnt09
IRS990/WebsiteAddressTxt0www.orfairplan.com
IRS990/WhistleblowerPolicyInd0false
ReturnHeader/BuildTS02015-11-30 17:44:51Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd0true
ReturnHeader/BusinessOfficerGrp/PersonNm0Chuck Katter
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0Chairman
ReturnHeader/BusinessOfficerGrp/SignatureDt02014-07-10
ReturnHeader/Filer/BusinessName/BusinessNameLine10Oregon FAIR Plan Association
ReturnHeader/Filer/BusinessNameControlTxt0OREG
ReturnHeader/Filer/EIN0930571699
ReturnHeader/Filer/PhoneNum05036435448
ReturnHeader/Filer/USAddress/AddressLine108705 SW Nimbus Ave
ReturnHeader/Filer/USAddress/City0Beaverton
ReturnHeader/Filer/USAddress/State0OR
ReturnHeader/Filer/USAddress/ZIPCode097008
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine10Richard Winkel CPA INC
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine10PO Box 91637
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/City0Portland
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/State0OR
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCode097291
ReturnHeader/PreparerPersonGrp/PhoneNum05033326750
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0Richard Winkel
ReturnHeader/PreparerPersonGrp/SelfEmployedInd0X
ReturnHeader/ReturnTs02014-07-19T08:51:21-07:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02013-01-01
ReturnHeader/TaxPeriodEndDt02013-12-31
ReturnHeader/TaxYr02013

Document Assets

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Filings

Displayed year

2013 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$3,648,045
Liabilities
$616,382
Net assets
$3,031,663
Revenue
$1,030,374
Expenses
$990,525
Net income
$39,849
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Detailed filing. Detailed filing data is available for this year.$4.93$1.62$3.31$2.71$1.89$0.82
2023Detailed filing. Detailed filing data is available for this year.$3.57$1.09$2.48$1.89$1.52$0.37
2022Detailed filing. Detailed filing data is available for this year.$2.98$0.89$2.09$1.09$1.12$0.03
2021Detailed filing. Detailed filing data is available for this year.$2.87$0.58$2.29$0.88$1.50$0.61
2020Detailed filing. Detailed filing data is available for this year.$3.50$0.51$2.99$0.88$1.57$0.69
2019Detailed filing. Detailed filing data is available for this year.$4.14$0.51$3.63$0.85$0.74$0.11
2018Detailed filing. Detailed filing data is available for this year.$3.93$0.53$3.41$0.92$0.81$0.11
2017Detailed filing. Detailed filing data is available for this year.$3.90$0.54$3.36$1.01$0.82$0.18
2016Detailed filing. Detailed filing data is available for this year.$4.03$0.82$3.21$1.07$1.01$0.07
2015Detailed filing. Detailed filing data is available for this year.$3.88$0.60$3.28$1.02$0.92$0.10
2014Detailed filing. Detailed filing data is available for this year.$3.87$0.61$3.26$0.91$0.71$0.20
2013Detailed filing. Detailed filing data is available for this year.$3.65$0.62$3.03$1.03$0.99$0.04
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$3.60$0.56$3.04$0.76
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$3.32$0.53$2.79$0.84
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$3.29$0.67$2.61$1.05