Civic Intelligence

United Policyholders

990 • Fiscal year 2016 • EIN 94-3162024

Jan 01, 2016 to Dec 31, 2016 • Filed on May 15, 2017

Organization Profilewww.uphelp.org
381 Bush Street 8th FlSan Francisco, CA 94104

(415) 393-9990

Siviq Scores

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

Liabilities / Assets

57th percentile

0.07x

Higher debt load relative to assets than 57% of similar nonprofits.

2016 filings • 501(c)3 • $500k-$1M nonprofits • Source year 2016

Liabilities / Revenue

67th percentile

0.12x

Higher debt load relative to revenue than 67% of similar nonprofits.

2016 filings • 501(c)3 • $500k-$1M nonprofits • Source year 2016

Net Margin

4th percentile

-78%

Higher net margin than 4% of similar nonprofits.

2016 filings • 501(c)3 • $500k-$1M nonprofits • Source year 2016

Top Officer Pay

95th percentile

$166,124

Higher top officer pay than 95% of similar nonprofits.

Top officer pay equals 58.3% of source-year revenue.

2016 filings • 501(c)3 • $500k-$1M nonprofits • Source year 2016

Asset Growth

6th percentile

-30%

Faster asset growth than 6% of similar nonprofits.

2016 filings • 501(c)3 • $500k-$1M nonprofits • Annualized from 2015 to 2016

Revenue Growth

26th percentile

-10.0%

Faster revenue growth than 26% of similar nonprofits.

2016 filings • 501(c)3 • $500k-$1M nonprofits • Annualized from 2015 to 2016

Balance Sheet
Liabilities / Assets57th percentile

Assets

Down

$510,963

Down $221,896 (-30%) from 2015

Net Assets

Down

$475,782

Down $232,831 (-33%) from 2015

Liabilities

Up

$35,181

Up $10,935 (+45%) from 2015

Revenue And Expenses
Liabilities / Revenue67th percentileNet Margin4th percentile

Revenue

Down

$285,160

Down $31,648 (-10.0%) from 2015

Expenses

Up

$508,676

Up $6,706 (+1.3%) from 2015

Net Income

Down

-$223,516

Down $38,354 (-21%) from 2015

Historical Trend

Balance Sheet Trend

Asset Growth6th percentile

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

$3.0M$2.0M$1.0M$0Assets 2011: $1,325,257Liabilities 2011: $23,394Net Assets 2011: $1,301,8632011Assets 2012: $1,295,156Liabilities 2012: $48,383Net Assets 2012: $1,246,7732012Assets 2013: $1,273,128Liabilities 2013: $52,258Net Assets 2013: $1,220,8702013Assets 2014: $982,622Liabilities 2014: $33,515Net Assets 2014: $949,1072014Assets 2015: $732,859Liabilities 2015: $24,246Net Assets 2015: $708,6132015Assets 2016: $510,963Liabilities 2016: $35,181Net Assets 2016: $475,7822016Assets 2017: $698,637Liabilities 2017: $53,249Net Assets 2017: $645,3882017Assets 2018: $1,000,812Liabilities 2018: $113,094Net Assets 2018: $887,7182018Assets 2019: $1,194,810Liabilities 2019: $61,240Net Assets 2019: $1,133,5702019Assets 2020: $1,199,888Liabilities 2020: $183,888Net Assets 2020: $1,016,0002020Assets 2021: $1,175,090Liabilities 2021: $85,527Net Assets 2021: $1,089,5632021Assets 2022: $2,663,279Liabilities 2022: $119,635Net Assets 2022: $2,543,6442022Assets 2023: $2,480,993Liabilities 2023: $169,742Net Assets 2023: $2,311,2512023Assets 2024: $1,909,059Liabilities 2024: $226,582Net Assets 2024: $1,682,4772024

Highlighted filing

2016

Assets$510,963
Liabilities$35,181
Net Assets$475,782
Open 2016 Filing

Operations Trend

Revenue Growth26th percentile

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

$3.0M$2.0M$1.0M$0-$1.0MRevenue 2011: $323,194Expenses 2011: $497,337Net Income 2011: -$174,1432011Revenue 2012: $326,360Expenses 2012: $494,319Net Income 2012: -$167,9592012Revenue 2013: $370,591Expenses 2013: $513,149Net Income 2013: -$142,5582013Revenue 2014: $262,928Expenses 2014: $520,418Net Income 2014: -$257,4902014Revenue 2015: $316,808Expenses 2015: $501,970Net Income 2015: -$185,1622015Revenue 2016: $285,160Expenses 2016: $508,676Net Income 2016: -$223,5162016Revenue 2017: $801,015Expenses 2017: $631,410Net Income 2017: $169,6052017Revenue 2018: $897,748Expenses 2018: $661,659Net Income 2018: $236,0892018Revenue 2019: $1,023,985Expenses 2019: $779,736Net Income 2019: $244,2492019Revenue 2020: $897,321Expenses 2020: $1,014,828Net Income 2020: -$117,5072020Revenue 2021: $1,265,932Expenses 2021: $1,192,369Net Income 2021: $73,5632021Revenue 2022: $2,679,886Expenses 2022: $1,225,805Net Income 2022: $1,454,0812022Revenue 2023: $1,304,255Expenses 2023: $1,531,648Net Income 2023: -$227,3932023Revenue 2024: $1,348,420Expenses 2024: $1,970,981Net Income 2024: -$622,5612024

Highlighted filing

2016

Revenue$285,160
Expenses$508,676
Net Income-$223,516
Open 2016 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2016 to Dec 31, 2016
Signed
May 15, 2017
Return Version
2016v3.0
Gross Receipts
$308,000
Mission and Program Overview

Mission

United Policyholders (UP) is a 501(c)(3) non-profit organization founded in 1991 that serves as a voice and an information resource for insurance consumers throughout the country. UP helps people make good decisions when buying insurance and filing insurance claims, and works to maintain legal standards that protect policyholders reasonable expectations of coverage.Through a Roadmap to Recovery program, we empower disaster victims, individuals and businesses to secure fair, full and prompt insurance claim settlements. We do this by creating and disseminating free guidance and tools--including a workshop series, a free online claim guidance library, educational videos, a professional help directory, and volunteers and staff who are experts in personal finance, construction and the law.Through a Roadmap to Preparedness program, UP promotes disaster preparedness and insurance literacy through outreach and education in partnership with civic, faith based, business and other non-profit orga

United Policyholders ("UP") is a voice and an information resource for insurance consumers throughout the country. UP helps people make good decisions when buying insurance and filing insurance claims.

Balance Sheet Detail
LineBeginningEndChange
Assets
Investments in Publicly Traded Securities$577,260$0▼ $577,260
Savings and Temporary Cash Investments$68,855$477,564▲ $408,709
Cash and Non-Interest-Bearing Accounts$66,341$22,943▼ $43,398
Land, Buildings, and Equipment, Net$7,838$5,436▼ $2,402
Prepaid Expenses and Deferred Charges$8,817$2,985▼ $5,832
Accounts Receivable$1,713$0▼ $1,713
Inventories for Sale or Use$235$235→ $0
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-
Intangible Assets-$0-
Total Assets$732,859$510,963▼ $221,896
Other Assets Total$1,800$1,800→ $0
Liabilities
Accounts Payable and Accrued Expenses$24,246$35,181▲ $10,935
Total Liabilities$24,246$35,181▲ $10,935
Net Assets / Fund Balance
Unrestricted Net Assets$708,613$475,782▼ $232,831
Total Net Assets Fund Balance$708,613$475,782▼ $232,831
Total Liabilities and Net Assets / Fund Balance$732,859$510,963▼ $221,896

Asset Categories

AssetBook ValueDepreciationBasis
Equipment$5,436$16,967$22,403
Other Land Buildings-$1,400$1,400
Compensation and Service Providers
Top Officer Pay95th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Amy BachExec DirectorFT$140,000$26,124$166,124

Board Members and Trustees

NameTitle
Pamela SchmitzPresident
William HeddenPresident/Director
Brian KabateckDirector
David BariaDirector
Doug WertheimerDirector
Evangeline Fisher GrossmanDirector
Jennifer RosdailDirector
John SullivanDirector
Laura LevineDirector
Nicholas CasagrandeDirector
Susan PiperDirector
William Chip MerlinDirector
Alice WolfsonSecretary/Director
E Gerard MannionTres/Director
Revenue and Support

Revenue Composition

Contributions and Grants
$249,045
Program Service Revenue
$0
Investment Income
$21,737
Other Revenue
$14,378
All Other Contributions
$191,988
Change in Net Assets
$-223,516
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Salaries, Compensation, and Employee Benefits$376,802
Other Expenses$131,874
Total Fundraising Expense$50,562
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Current Officers, Directors, Trustees, and Key Employees$142,115$2,685$21,324$166,124
Other Salaries and Wages$123,468$12,021$14,313$149,802
Payroll Taxes$38,530-$1,622$40,152
Occupancy-$33,000-$33,000
Fees for Services Other$2,816$19,017$2,500$24,333
Other Employee Benefits$8,725$11,039$960$20,724
All Other Expenses$4,846$6,413$1,357$12,616
Insurance-$8,641-$8,641
Other Expenses$4,302$8,777$555$4,857
Travel-$3,598$211$3,809
Office Expenses-$2,625-$2,625
Depreciation Depletion-$2,402-$2,402
Advertising$1,754--$1,754
Conferences and Meetings-$752$231$983
Total Functional Expenses$347,144$110,970$50,562$508,676
Fundraising, Events, and Gaming
Fundraising activities
Yes
Gaming activities
No
Professional fundraiser used
No

Fundraising and Gaming Totals

Line ItemAmount
Fundraising Direct Expenses$19,209
Fundraising Gross Income$19,209
Professional Fundraising Fees$0

Fundraising Events

EventGross ReceiptsGross RevenueDirect ExpensesNet Income
Tee UP$74,895$18,904$18,904$0
Total Events$74,895$18,904$18,904-
Political and Lobbying Activity
Political campaign activity
No
Lobbying activity
Yes
Subject to proxy tax
No
Insider Transactions and Loans

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
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
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, Line 11B: Form 990 Review Process

“Usually the Form 990 is prepared by a tax professional and then reviewed by the organization's management and Board of Directors. The return is discussed and changes are made if necessary. The final version of the 990 is signed by the Executive Director and the return is filed with the I.R.S.”

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

“The Board of Directors reviews all potential conflicts of interest annually. The Executive Director and all Board Members are required to disclose (in writing) potential conflicts of interest and related board affiliations. Any potential conflicts are discussed openly and resolved in accordance with the organizations policies and procedures.”

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

“The Board of Directors reviews the compensation of all high-level personnel annually in accordance with the I.R.S rules and regulations. Efforts are made to research data from industry sources to determine competitiveness of salaries. Every effort is made to comply with I.R.S. guidelines and the organization's policies and procedures to establish transparency in the process.”

Form 990, Part VI, Line 15B: Compensation Review and Approval Process for Officers and Key Employees

“Compensation of other personnel is reviewed annually by the Board of Directors and members of management. Efforts are made by researching industry data to determine the competitiveness of salaries and related benefits.”

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

“All of the organization's governing documents, financial statements and other legal filings are maintained in a secure environment and held available for inspection by tax authorities and the general public. Tax returns are posted annually to www.guidestar.org and are also available at the organization's office in San Francisco, CA.”

Filing and Contact Details

Filer

Filer Name
United Policyholders
EIN
94-3162024
Phone
4153939990
Address
381 Bush Street 8th Fl, San Francisco, CA 94104

Signing Officer

Name
Amy Bach
Title
Exec Director
Signed
2017-05-15
Discuss with paid preparer
No

Organization Details

Principal Officer
Amy Bach
Formed
1991
Legal Domicile
CA
Voting Board Members
15
Independent Board Members
14
Employees
5
Volunteers
528

Preparer

Firm
Fontanello Duffield & Otake LLP
Address
44 Montgomery Street Suite 1305, San Francisco, CA 94104
Preparer
Carol Duffield
Phone
4159830200
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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/Desc0ROADMAP TO RECOVERY HIGHLIGHTS 2016 Guided over 475,000 consumers on property, auto, health, disability, long-term care, life, title and commercial insurance matters via phone, email and www.uphelp.orgHosted Roadmap to Recovery workshops and provided long term recovery services to help individuals and families whose homes were damaged or destroyed in wildfires in Lake County (Valley Fire and Clayton Fire), Calaveras County (Butte Fire), Kern County (Erskine Fire) and Santa Clara County (Loma Fire) in California, and in Lewis County, Idaho.Conducted trainings for employees of entities and organizations providing Case Management services to individuals and families whose home were damaged or destroyed in Idaho wildfires.Distributed Roadmap to Recovery Toolkits to disaster victims throughout the country and in bulk in California in Lake County (Clayton Fire), and in Idaho in Lewis County.Distributed free copies of The Disaster Recovery Handbook and Household Inventory Guide, Roadmap to Recovery Organizers and Roadmap to Recovery flash drives to catastrophic loss victims throughout the U.S. including Tennessee, Maryland and New Jersey.Established dedicated online help libraries for victims of floods in Louisiana and Texas, wildfires in California and Tennessee and hurricane/storm events in Hawaii, Florida, Georgia, North and South Carolina.Partnered with the American Red Cross to distribute our First Steps After a Home Fire handout. Provided Roadmap to Recovery trainings to American Red Cross Disaster Case Managers and Disaster Action Team Volunteers.Answered questions and processed consumer complaints on the Ask an Expert online forum. The forum is hosted by UP and staffed by expert volunteers that include construction, claim, forensic, and legal professionals as well as laypeople with personal expertise in disaster recovery.Supported over 150 volunteers that serve as recovery mentors through a Disaster Survivor Support Network program.Distributed client help materials to NGO, faith-based and government agency partners.Expanded our national Find Professional Help and State-by-State Assistance directories.
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IRS990/MissionDesc0United Policyholders (UP) is a 501(c)(3) non-profit organization founded in 1991 that is a voice and an information resource for insurance consumers throughout the country. UP helps people make good decisions when buying insurance and filing insurance claims. UP is committed to promoting and preserving integrity in the marketplace so insurance delivers on the promise of asset protection and financial security. Through a Roadmap to Preparedness program, UP promotes disaster preparedness and insurance literacy through outreach and education in partnership with civic, faith based, business and other non-profit organizations.Through a Roadmap to Recovery program, we empower disaster victims, individuals and businesses to secure fair, full and prompt insurance claim settlements. We do by creating and disseminating free guidance and tools. These include a workshop series, a free online claim guidance library, educational videos, a professional help directory, and volunteers and staff who are
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IRS990/ProgSrvcAccomActy2Grp/Desc0ROADMAP TO PREPAREDNESS 2016Published our second book Wise UP: The Savvy Consumers Guide to Buying Insurance. Educated homeowners and renters throughout California on earthquake insurance and financial preparedness. Conducted preparedness workshops and participated in preparedness fairs throughout California and Colorado for homeowners and renters.Created new resources to help homeowners who have been dropped by their insurance company.Partnered with the American Red Cross to distribute Whats UP with Renters Insurance? handouts as part of their Home Fire Campaign.Distributed hundreds of home inventory tools throughout California and Colorado.Served as expert presenters at disaster preparedness events throughout the country.Partnered with faith-based and other non-profit organizations to broadcast preparedness messages and distribute materials and tools.Expanded resources in the Roadmap to Preparedness section of www.uphelp.org.Participated in regional and local Voluntary Organizations Active in Disaster meetings and formed alliances with other organizations.Worked with vendors of products that improve home safety and increase disaster resilience.Published print and online newsletters and monthly consumer tips.
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IRS990/ProgSrvcAccomActy3Grp/Desc0ADVOCACY AND ACTION HIGHLIGHTS 2016 Launched a national Essential Protections for Policyholders project with the Rutgers Center for Risk and Responsibility at Rutgers Law School.Filed 24 "friend of the court" legal briefs advocating for insurance consumers in the U.S Supreme Court and appellate courts throughout the 50 states.Convened a Long Term Care Insurance Working Group to guide consumers and provide input to regulators on marketplace options.Appointed to the Federal Advisory Committee on Insurance. Addressed the National Conference of Insurance Legislators, American Society of Actuaries, International Bar Association and other entities on matters that impact insurance consumers. Provided comments and participated in the Advisory Council to the American Law Institutes Restatement of the Law of Liability Insurance Project.Collaborated with public officials and firefighting agencies to help homeowners in brush areas maintain affordable insurance.Served as a Consumer Representative and on the Consumer Participation Board of Trustees at the National Association of Insurance Commissioners.Submitted support and opposition letters to State and Federal legislators to promote and protect insurance consumer interests in public policy matters. Responded to more than 60 information and interview requests from media professionals.Conducted surveys to gather data, disseminated the results.Provided consumers perspectives at professional conferences of actuaries, regulators, lawmakers and insurance industry representatives.Launched a continuing education webinar series for policyholder advocates titled Catch UP.Intervened on behalf of consumers to challenge a rate increase filing by a California home insurance company.Activated volunteers to help residents of California Wildland Urban Interface Zones find and maintain insurance on their homes. Issued press releases/media advisories and published research reports on a variety of important insurance issues.
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Document Assets

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Filings

Displayed year

2016 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$510,963
Liabilities
$35,181
Net assets
$475,782
Revenue
$285,160
Expenses
$508,676
Net income
-$223,516
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$1.91$0.23$1.68$1.35$1.97$0.62
2023Summary only. Only limited summary data is available for this year.$2.48$0.17$2.31$1.30$1.53$0.23
2022Facts available. Structured filing facts are available, but richer extracted sections are limited.$2.66$0.12$2.54$2.68$1.23$1.45
2021XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$1.18$0.09$1.09$1.27$1.19$0.07
2020XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$1.20$0.18$1.02$0.90$1.01$0.12
2019XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$1.19$0.06$1.13$1.02$0.78$0.24
2018XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$1.00$0.11$0.89$0.90$0.66$0.24
2017XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$0.70$0.05$0.65$0.80$0.63$0.17
2016Detailed filing. Detailed filing data is available for this year.$0.51$0.04$0.48$0.29$0.51$0.22
2015XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$0.73$0.02$0.71$0.32$0.50$0.19
2014Detailed filing. Detailed filing data is available for this year.$0.98$0.03$0.95$0.26$0.52$0.26
2013Summary only. Only limited summary data is available for this year.$1.27$0.05$1.22$0.37$0.51$0.14
2012Summary only. Only limited summary data is available for this year.$1.30$0.05$1.25$0.33$0.49$0.17
2011Summary only. Only limited summary data is available for this year.$1.33$0.02$1.30$0.32$0.50$0.17