Quick charity verification for Pennsylvania Automobile Insurance Plan (EIN: 131997551)
Verdict: Pennsylvania Automobile Insurance Plan appears trustworthy
75/100Mission Score
$374KRevenue
$83KAssets
2Red Flags
3Strengths
Red Flags
Consistently high liabilities relative to assets, indicating potential reliance on short-term funding or significant operational payables.
0% reported officer compensation across all filings, which is unusual and may obscure the true cost of leadership or indicate a unique operational model.
Strengths
Consistent financial reporting and filing history over many years, indicating good compliance.
Revenues consistently exceed expenses, demonstrating operational sustainability (e.g., $356,760 revenue vs. $349,585 expenses in 2023).
Stable asset base over time, suggesting consistent operational capacity.
Spending Breakdown
How Pennsylvania Automobile Insurance Plan allocates its funds across programs, administration, and fundraising.
85%
Program Spending
Healthy — majority goes to mission
10%
Admin Costs
Reasonable — admin costs in check
5%
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 Pennsylvania Automobile Insurance Plan
Is Pennsylvania Automobile Insurance Plan a legitimate charity?
Based on AI analysis of IRS 990 filings, Pennsylvania Automobile Insurance Plan (EIN: 131997551) appears trustworthy. Mission Score: 75/100. 2 red flags identified, 3 strengths noted.
Is Pennsylvania Automobile Insurance Plan a good charity to donate to?
Pennsylvania Automobile Insurance Plan has a Mission Score of 75/100. Revenue: $374K. Assets: $83K. Review the full transparency report for detailed spending breakdown and executive compensation analysis.
What is the EIN for Pennsylvania Automobile Insurance Plan?
The Employer Identification Number (EIN) for Pennsylvania Automobile Insurance Plan is 131997551. 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 Pennsylvania Automobile Insurance Plan spend its money?
Pennsylvania Automobile Insurance Plan allocates 85% to programs, 10% to administration, and 5% to fundraising. Healthy nonprofits typically spend 75%+ on programs.
How can I verify Pennsylvania Automobile Insurance Plan's tax-exempt status?
You can verify Pennsylvania Automobile Insurance Plan's tax-exempt status using EIN 131997551 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
The Pennsylvania Automobile Insurance Plan demonstrates consistent financial activity over the past decade, with revenues generally exceeding expenses, leading to modest net assets. For instance, in 2023, revenues were $356,760 against expenses of $349,585, indicating a slight surplus. The organization's assets have remained relatively stable, hovering around $100,000, while liabilities are significantly higher, often exceeding $300,000. This structure suggests a reliance on short-term funding or operational liabilities rather than substantial accumulated reserves. The consistent reporting of 0% officer compensation across all available filings indicates a high degree of transparency regarding executive pay, as it suggests either a volunteer-led structure or compensation is not categorized as 'officer compensation' in the traditional sense, which would warrant further investigation to fully understand the compensation structure. The absence of an NTEE code makes it difficult to benchmark against similar organizations, but the consistent filing history and detailed financial reporting contribute to a reasonable level of transparency.