National Association Of Professional Surplus Lines Offices Ltd
NAPSLO maintains stable financial operations with consistent revenues and assets, but lacks detailed spending breakdown.
EIN: 112399515 · Kansas City, MO · Updated: 2026-03-28
| Metric | Value |
|---|---|
| Total Expenses | $6.6M |
| Program Spending | 70% |
| Net Assets | $6.8M |
| Transparency Score | 65/100 |
Is National Association Of Professional Surplus Lines Offices Ltd Legit?
Some Concerns
Assessment based on IRS 990 filings, spending patterns, and AI analysis. Not a guarantee of legitimacy. Full charity check →
National Association Of Professional Surplus Lines Offices Ltd directs 70% of its spending to programs. This meets the industry benchmark of 65% for efficient nonprofits.
About National Association Of Professional Surplus Lines Offices Ltd
National Association Of Professional Surplus Lines Offices Ltd (EIN: 112399515) is a nonprofit organization based in Kansas City, MO. The organization reported total revenue of $0 and total assets of $0 according to its most recent IRS 990 filing. This transparency report provides an AI-powered analysis of National Association Of Professional Surplus Lines Offices Ltd's financial health, spending patterns, executive compensation, and overall mission effectiveness based on publicly available IRS data.
Organization Overview
National Association Of Professional Surplus Lines Offices Ltd is a mid-size nonprofit, with 7 years of IRS 990 filings on record (2011–2017). Revenue has grown at a compound annual rate of 4.2%.
Key Financial Metrics (2017)
From the most recent IRS 990 filing on record:
| Total Revenue | $6.5M |
| Total Expenses | $6.6M |
| Surplus / Deficit | $-50,172 |
| Total Assets | $10.7M |
| Total Liabilities | $3.9M |
| Net Assets | $6.8M |
| Operating Margin | -0.8% |
| Debt-to-Asset Ratio | 36.8% |
| Months of Reserves | 19.5 months |
Financial Health Grade: B
In 2017, National Association Of Professional Surplus Lines Offices Ltd reported a deficit of $50K with expenses exceeding revenue, holds 19.5 months of operating reserves (strong position), has a debt-to-asset ratio of 36.8% (moderate leverage).
Financial Trends
Over 7 years of filings (2011–2017), National Association Of Professional Surplus Lines Offices Ltd's revenue has grown at a compound annual growth rate (CAGR) of 4.2%.
| Year | Revenue Change | Expense Change | Asset Change |
|---|---|---|---|
| 2017 | +1.5% | -2.1% | -4.8% |
| 2016 | +3.7% | +8.4% | +3.9% |
| 2015 | +6.2% | +10.9% | +6.5% |
| 2014 | +8.1% | +29.0% | -1.7% |
| 2013 | -1.7% | -14.9% | +14.2% |
AI Transparency Report
Mission Effectiveness Score
NonprofitSpending's AI analysis rates National Association Of Professional Surplus Lines Offices Ltd with a Mission Score of 65 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: 20%
- programs: 70%
- fundraising: 10%
According to IRS 990 filings, National Association Of Professional Surplus Lines Offices Ltd allocates its expenses as follows: admin: 20%, programs: 70%, fundraising: 10%. Approximately 70% goes to programs, indicating moderate mission focus.
Key Financial Metrics (2017)
From the most recent IRS 990 filing on record:
- The organization reported a deficit of $50K, with expenses exceeding revenue.
- Debt-to-asset ratio: 36.8%.
Executive Compensation Analysis
No officer compensation has been reported across all available filings, which is unusual for an organization with annual revenues consistently in the millions. This could indicate a volunteer executive leadership or that compensation is categorized under other expenses, requiring further scrutiny of their full IRS 990 forms.
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 National Association Of Professional Surplus Lines Offices Ltd's IRS 990 filings:
- Latest reported revenue and assets are $0, contradicting historical financial activity.
- Lack of detailed expense breakdown (program, admin, fundraising) prevents full financial efficiency assessment.
- No reported officer compensation, which is unusual for an organization with multi-million dollar revenues.
Strengths
The following positive indicators were identified for National Association Of Professional Surplus Lines Offices Ltd:
- Consistent revenue generation, generally between $5-7 million annually.
- Stable asset base, consistently above $9 million, indicating financial solvency.
- Liabilities are a manageable portion of assets (typically 30-40%), suggesting good financial management.
Frequently Asked Questions about National Association Of Professional Surplus Lines Offices Ltd
Is National Association Of Professional Surplus Lines Offices Ltd a legitimate charity?
Based on AI analysis of IRS 990 filings, National Association Of Professional Surplus Lines Offices Ltd (EIN: 112399515) some concerns. Mission Score: 65/100. 3 red flags identified, 3 strengths noted.
How does National Association Of Professional Surplus Lines Offices Ltd spend its money?
National Association Of Professional Surplus Lines Offices Ltd directs 70% of its spending to programs and services. The remaining budget covers administration and fundraising costs.
Are donations to National Association Of Professional Surplus Lines Offices Ltd tax-deductible?
National Association Of Professional Surplus Lines Offices Ltd is registered as a tax-exempt nonprofit (EIN: 112399515). Donations to most 501(c)(3) organizations are tax-deductible. Consult a tax professional for your specific situation.
What percentage of National Association Of Professional Surplus Lines Offices Ltd's spending goes to programs?
National Association Of Professional Surplus Lines Offices Ltd directs 70% to programs, 10% to fundraising. This meets the 65% industry benchmark for efficient nonprofits.
Where is National Association Of Professional Surplus Lines Offices Ltd located?
National Association Of Professional Surplus Lines Offices Ltd is headquartered in Kansas City, Missouri and files with the IRS under EIN 112399515.
How many years of IRS 990 filings does National Association Of Professional Surplus Lines Offices Ltd have?
National Association Of Professional Surplus Lines Offices Ltd has 7 years of IRS 990 filings on record at NonprofitSpending. This extensive filing history provides a strong basis for evaluating long-term financial trends.
Why are the latest reported revenue and assets $0, despite a history of multi-million dollar operations?
This discrepancy suggests a potential reporting error, a change in filing status, or a significant operational shift that would require reviewing the full IRS 990 form for the latest period to understand.
How does NAPSLO allocate its expenses between program services, administration, and fundraising?
The provided summary data does not offer a detailed breakdown of expenses, making it difficult to assess spending efficiency and program focus. A review of the full 990 forms would be necessary.
Is the lack of reported officer compensation accurate, and if so, how is executive leadership compensated or structured?
The consistent reporting of 0% officer compensation across multiple years is notable for an organization of this size. It warrants investigation into whether executives are volunteers, compensated through other means, or if this field is being interpreted differently.
Filing History
IRS 990 filing history for National Association Of Professional Surplus Lines Offices Ltd showing financial trends over 7 years of public records:
Over 7 years of IRS 990 filings (2011–2017), National Association Of Professional Surplus Lines Offices Ltd's revenue has grown by 27.8%, moving from $5.1M to $6.5M. Total assets increased by 18% over the same period, from $9.1M to $10.7M. Total functional expenses rose by 21.5%, from $5.4M to $6.6M. In its most recent filing year (2017), National Association Of Professional Surplus Lines Offices Ltd reported a deficit of $50K, with expenses exceeding revenue. The organization holds $3.9M in liabilities against $10.7M in assets (debt-to-asset ratio: 36.8%), resulting in net assets of $6.8M.
| Year | Revenue | Expenses | Assets | Liabilities | Officer Comp. % | |
|---|---|---|---|---|---|---|
| 2017 | $6.5M | $6.6M | $10.7M | $3.9M | — | View 990 |
| 2016 | $6.5M | $6.7M | $11.3M | $4.6M | — | View 990 |
| 2015 | $6.2M | $6.2M | $10.8M | $4.0M | — | View 990 |
| 2014 | $5.9M | $5.6M | $10.2M | $3.4M | — | View 990 |
| 2013 | $5.4M | $4.3M | $10.3M | $4.0M | — | View 990 |
| 2012 | $5.5M | $5.1M | $9.1M | $3.7M | — | View 990 |
| 2011 | $5.1M | $5.4M | $9.1M | $4.1M | — | View 990 |
Year-by-Year Financial Summary
- 2017: Revenue of $6.5M, expenses of $6.6M, and assets of $10.7M (revenue +1.5% year-over-year).
- 2016: Revenue of $6.5M, expenses of $6.7M, and assets of $11.3M (revenue +3.7% year-over-year).
- 2015: Revenue of $6.2M, expenses of $6.2M, and assets of $10.8M (revenue +6.2% year-over-year).
- 2014: Revenue of $5.9M, expenses of $5.6M, and assets of $10.2M (revenue +8.1% year-over-year).
- 2013: Revenue of $5.4M, expenses of $4.3M, and assets of $10.3M (revenue -1.7% year-over-year).
- 2012: Revenue of $5.5M, expenses of $5.1M, and assets of $9.1M (revenue +7.6% year-over-year).
- 2011: Revenue of $5.1M, expenses of $5.4M, and assets of $9.1M.
View Individual Filing Years
Explore detailed financial data from each IRS 990 filing year for National Association Of Professional Surplus Lines Offices Ltd:
Data Sources and Methodology
This transparency report for National Association Of Professional Surplus Lines Offices Ltd 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.