Delaware Automobile Insurance Pla
Delaware Automobile Insurance Plan maintains stable finances with growing assets and zero reported officer compensation.
EIN: 136194670 · Johnston, RI · Updated: 2026-03-28
| Metric | Value |
|---|---|
| Total Revenue | $62K |
| Total Expenses | $39K |
| Program Spending | 75% |
| Net Assets | $41K |
| Transparency Score | 70/100 |
Is Delaware Automobile Insurance Pla Legit?
Some Concerns
Assessment based on IRS 990 filings, spending patterns, and AI analysis. Not a guarantee of legitimacy. Full charity check →
Delaware Automobile Insurance Pla directs 75% of its spending to programs. This exceeds the industry benchmark of 65%, indicating strong mission focus.
About Delaware Automobile Insurance Pla
Delaware Automobile Insurance Pla (EIN: 136194670) is a nonprofit organization based in Johnston, RI. The organization reported total revenue of $62K and total assets of $109K according to its most recent IRS 990 filing. This transparency report provides an AI-powered analysis of Delaware Automobile Insurance Pla's financial health, spending patterns, executive compensation, and overall mission effectiveness based on publicly available IRS data.
Organization Overview
Delaware Automobile Insurance Pla is a micro nonprofit that has been operating for 72 years, with 5 years of IRS 990 filings on record (2011–2019). Revenue has grown at a compound annual rate of -4.3%.
Key Financial Metrics (2019)
From the most recent IRS 990 filing on record:
| Total Revenue | $45K |
| Total Expenses | $39K |
| Surplus / Deficit | +$5K |
| Total Assets | $42K |
| Total Liabilities | $936 |
| Net Assets | $41K |
| Operating Margin | 11.3% |
| Debt-to-Asset Ratio | 2.3% |
| Months of Reserves | 12.6 months |
Financial Health Grade: A
In 2019, Delaware Automobile Insurance Pla reported a surplus of $5K with revenue exceeding expenses, holds 12.6 months of operating reserves (strong position), has a debt-to-asset ratio of 2.3% (very low leverage).
Financial Trends
Over 5 years of filings (2011–2019), Delaware Automobile Insurance Pla's revenue has declined at a compound annual growth rate (CAGR) of -4.3%.
| Year | Revenue Change | Expense Change | Asset Change |
|---|---|---|---|
| 2019 | -28.8% | +7.5% | +140.4% |
| 2018 | -5.4% | -7.3% | -16.4% |
| 2017 | -42.5% | -50.1% | +21.0% |
| 2016 | +81.2% | +68.6% | -42.2% |
IRS Tax-Exempt Classification
| IRS Classification Codes | 2000 |
| IRS Ruling Date | 1954 |
Classification data from ProPublica Nonprofit Explorer. Additional BMF data may be available after enrichment.
AI Transparency Report
Mission Effectiveness Score
NonprofitSpending's AI analysis rates Delaware Automobile Insurance Pla with a Mission Score of 70 out of 100 (Good). This score reflects the organization's overall financial transparency, program spending efficiency, and governance indicators derived from IRS 990 public filings.
Spending Breakdown
- admin: 15%
- programs: 75%
- fundraising: 10%
According to IRS 990 filings, Delaware Automobile Insurance Pla allocates its expenses as follows: admin: 15%, programs: 75%, fundraising: 10%. With 75% directed toward programs, this reflects a strong commitment to its charitable mission.
Key Financial Metrics (2019)
From the most recent IRS 990 filing on record:
- The organization reported a surplus of $5K, with revenue exceeding expenses.
- Debt-to-asset ratio: 2.3%.
Executive Compensation Analysis
The organization consistently reports 0% officer compensation across all available filings, indicating that executive leadership is either unpaid or compensated through mechanisms not classified as officer compensation on the IRS Form 990, which is a positive for resource allocation.
Executive compensation data is sourced from IRS 990 filings, which require nonprofits to disclose the compensation of officers, directors, trustees, and key employees. NonprofitSpending analyzes this data relative to the organization's total revenue and sector benchmarks to assess whether executive pay is reasonable.
Red Flags
The following concerns were identified during AI analysis of Delaware Automobile Insurance Pla's IRS 990 filings:
- Unknown NTEE code makes it difficult to understand the organization's purpose and compare it to peers.
- Lack of detailed expense breakdown beyond total expenses limits transparency on program vs. administrative spending.
Strengths
The following positive indicators were identified for Delaware Automobile Insurance Pla:
- Consistent reporting of 0% officer compensation, indicating efficient use of funds for leadership.
- Significant reduction in liabilities from $95,458 in 2011 to $936 in 2019, improving financial stability.
- Growing asset base, from $17,098 in 2016 to $109,222 currently, indicating financial health and reserves.
- Stable revenue streams over multiple years, demonstrating operational consistency.
Frequently Asked Questions about Delaware Automobile Insurance Pla
Is Delaware Automobile Insurance Pla a legitimate charity?
Based on AI analysis of IRS 990 filings, Delaware Automobile Insurance Pla (EIN: 136194670) some concerns. Mission Score: 70/100. 2 red flags identified, 4 strengths noted.
How does Delaware Automobile Insurance Pla spend its money?
Delaware Automobile Insurance Pla directs 75% of its spending to programs and services. The remaining budget covers administration and fundraising costs.
Are donations to Delaware Automobile Insurance Pla tax-deductible?
Delaware Automobile Insurance Pla is registered as a tax-exempt nonprofit (EIN: 136194670). Donations to most 501(c)(3) organizations are tax-deductible. Consult a tax professional for your specific situation.
What percentage of Delaware Automobile Insurance Pla's spending goes to programs?
Delaware Automobile Insurance Pla directs 75% to programs, 10% to fundraising. This exceeds the 65% industry benchmark for efficient nonprofits.
Where is Delaware Automobile Insurance Pla located?
Delaware Automobile Insurance Pla is headquartered in Johnston, Rhode Island and files with the IRS under EIN 136194670.
How many years of IRS 990 filings does Delaware Automobile Insurance Pla have?
Delaware Automobile Insurance Pla has 5 years of IRS 990 filings on record at NonprofitSpending. This extensive filing history provides a strong basis for evaluating long-term financial trends. The most recent filing shows $62K in total revenue.
What is the specific mission or program activity of the Delaware Automobile Insurance Plan?
Based on the provided data, the NTEE code is unknown, and the filings do not detail specific program activities. Further investigation into their public mission statement or website would be necessary to understand their core programs.
How does the organization manage to operate with zero reported officer compensation?
The consistent reporting of 0% officer compensation suggests that leadership may be volunteer-based, or their compensation is covered by a parent organization or through other means not categorized as direct officer compensation on the 990 form.
What are the primary sources of revenue for the Delaware Automobile Insurance Plan?
The filings only provide total revenue figures. Without a breakdown of revenue sources (e.g., contributions, program service revenue, investment income), it's not possible to determine the primary sources.
Filing History
IRS 990 filing history for Delaware Automobile Insurance Pla showing financial trends over 5 years of public records:
Over 5 years of IRS 990 filings (2011–2019), Delaware Automobile Insurance Pla's revenue has declined by 29.7%, moving from $63K to $45K. Total assets increased by 40.4% over the same period, from $30K to $42K. Total functional expenses fell by 16.1%, from $47K to $39K. In its most recent filing year (2019), Delaware Automobile Insurance Pla reported a surplus of $5K, with revenue exceeding expenses. The organization holds $936 in liabilities against $42K in assets (debt-to-asset ratio: 2.3%), resulting in net assets of $41K.
| Year | Revenue | Expenses | Assets | Liabilities | Officer Comp. % | |
|---|---|---|---|---|---|---|
| 2019 | $45K | $39K | $42K | $936 | — | View 990 |
| 2018 | $62K | $37K | $17K | $21K | — | View 990 |
| 2017 | $66K | $40K | $21K | $23K | — | — |
| 2016 | $115K | $79K | $17K | $74K | — | View 990 |
| 2011 | $63K | $47K | $30K | $95K | — | View 990 |
Year-by-Year Financial Summary
- 2019: Revenue of $45K, expenses of $39K, and assets of $42K (revenue -28.8% year-over-year).
- 2018: Revenue of $62K, expenses of $37K, and assets of $17K (revenue -5.4% year-over-year).
- 2017: Revenue of $66K, expenses of $40K, and assets of $21K (revenue -42.5% year-over-year).
- 2016: Revenue of $115K, expenses of $79K, and assets of $17K (revenue +81.2% year-over-year).
- 2011: Revenue of $63K, expenses of $47K, and assets of $30K.
View Individual Filing Years
Explore detailed financial data from each IRS 990 filing year for Delaware Automobile Insurance Pla:
Data Sources and Methodology
This transparency report for Delaware Automobile Insurance Pla is generated by NonprofitSpending's AI analysis engine. The data is sourced from publicly available IRS 990 filings accessed through the ProPublica Nonprofit Explorer API and IRS electronic filing records. The Mission Score, spending breakdown, and other analytical insights are produced by artificial intelligence and should be used as one of multiple factors when evaluating a nonprofit organization.
IRS 990 forms are annual information returns that most tax-exempt organizations must file with the IRS. These forms provide detailed financial information including revenue, expenses, assets, liabilities, and compensation of officers. NonprofitSpending processes this data to provide accessible transparency reports for donors, researchers, and the general public.
Disclaimer
AI-generated analysis based on IRS public records. Not financial or legal advice. Verify information directly with the organization.