Quick charity verification for Guthrie Risk Retention Group (EIN: 201090801)
Verdict: Guthrie Risk Retention Group appears trustworthy
75/100Mission Score
$80.9MRevenue
$53.9MAssets
2Red Flags
3Strengths
Red Flags
Lack of detailed functional expense breakdown (program, admin, fundraising) makes traditional nonprofit efficiency analysis difficult.
Consistent zero officer compensation may indicate compensation is paid through a related entity, obscuring full compensation picture.
Strengths
Strong financial health with consistent annual surpluses, such as the $11,037,174 surplus in 2023.
Significant and growing asset base, reaching $61,314,077 in 2023, indicating financial stability.
Very low reported expenses relative to revenue in recent years, suggesting efficient operations or specific financial structure.
Spending Breakdown
How Guthrie Risk Retention Group allocates its funds across programs, administration, and fundraising.
90%
Program Spending
Healthy — majority goes to mission
10%
Admin Costs
Reasonable — admin costs in check
0%
Fundraising
Within typical range
How to read this: Well-run charities typically spend 75% or more on programs, keep admin under 25%, and fundraising under 15%. A high program ratio means more of every dollar goes directly to the mission.
How to Interpret This Report
What Red Flags Mean
Red flags are potential warning signs identified by AI analysis of IRS 990 filings. They may indicate issues like declining revenue, high executive pay relative to program spending, lack of transparency, or governance concerns. A single red flag does not necessarily mean an organization is untrustworthy, but multiple flags warrant further investigation before donating.
What Mission Score Measures
The Mission Score (0-100) evaluates how effectively a nonprofit fulfills its stated purpose. It combines multiple factors: program spending efficiency (how much goes to programs vs. overhead), financial health and sustainability, governance quality, transparency in reporting, and consistency of operations over time. A score of 70+ indicates strong alignment with the organization’s mission.
Using This Data for Donation Decisions
Use this report as one input in your decision. Look at the overall Mission Score for a quick assessment, review red flags and strengths for specific concerns, check the spending breakdown to see where money goes, and compare executive compensation to the organization’s size. Consider viewing the full transparency report for deeper analysis, and always verify tax-exempt status with the IRS before making large donations.
Frequently Asked Questions about Guthrie Risk Retention Group
Is Guthrie Risk Retention Group a legitimate charity?
Based on AI analysis of IRS 990 filings, Guthrie Risk Retention Group (EIN: 201090801) appears trustworthy. Mission Score: 75/100. 2 red flags identified, 3 strengths noted.
Is Guthrie Risk Retention Group a good charity to donate to?
Guthrie Risk Retention Group has a Mission Score of 75/100. Revenue: $80.9M. Assets: $53.9M. Review the full transparency report for detailed spending breakdown and executive compensation analysis.
What is the EIN for Guthrie Risk Retention Group?
The Employer Identification Number (EIN) for Guthrie Risk Retention Group is 201090801. This is the unique tax ID assigned by the IRS.
What is a Mission Score?
The Mission Score is a 0-100 rating that measures how effectively a nonprofit fulfills its stated mission. It factors in program spending efficiency, financial transparency, governance practices, and outcome reporting. Scores above 70 indicate strong mission alignment, 40-69 suggest mixed performance, and below 40 signals potential concerns.
How does Guthrie Risk Retention Group spend its money?
Guthrie Risk Retention Group allocates 90% to programs, 10% to administration, and 0% to fundraising. Healthy nonprofits typically spend 75%+ on programs.
How can I verify Guthrie Risk Retention Group's tax-exempt status?
You can verify Guthrie Risk Retention Group's tax-exempt status using EIN 201090801 on the IRS Tax Exempt Organization Search (TEOS) at apps.irs.gov/app/eos. You can also request copies of their Form 990 directly from the organization, as they are required by law to provide them upon request.
AI Transparency Report
Guthrie Risk Retention Group, as a risk retention group, operates differently from traditional public charities. Its financial health appears robust, with consistent revenue streams averaging around $10 million annually over the past decade. The organization consistently reports zero officer compensation, which is a significant indicator of either volunteer leadership or that compensation is handled through a management company, which would require further investigation to fully understand. The latest filing (202312) shows revenue of $11,481,447 against expenses of only $444,273, indicating a substantial surplus. However, without a detailed functional expense breakdown (program, administrative, fundraising), it's challenging to assess spending efficiency in the typical nonprofit sense. The consistent growth in assets, reaching $61,314,077 in 2023, suggests strong financial management and accumulation of reserves, which is typical for an insurance-related entity.