Pennsylvania Automobile Insurance Plan
Pennsylvania Automobile Insurance Plan consistently operates with modest surpluses and no reported officer compensation.
EIN: 131997551 · Johnston, RI · Updated: 2026-03-28
| Metric | Value |
|---|---|
| Total Revenue | $374K |
| Total Expenses | $350K |
| Program Spending | 85% |
| Net Assets | $-257,709 |
| Transparency Score | 75/100 |
Is Pennsylvania Automobile Insurance Plan Legit?
Some Concerns
Assessment based on IRS 990 filings, spending patterns, and AI analysis. Not a guarantee of legitimacy. Full charity check →
Pennsylvania Automobile Insurance Plan directs 85% of its spending to programs. This exceeds the industry benchmark of 65%, indicating strong mission focus.
About Pennsylvania Automobile Insurance Plan
Pennsylvania Automobile Insurance Plan (EIN: 131997551) is a nonprofit organization based in Johnston, RI. The organization reported total revenue of $374K and total assets of $83K according to its most recent IRS 990 filing. This transparency report provides an AI-powered analysis of Pennsylvania Automobile Insurance Plan's financial health, spending patterns, executive compensation, and overall mission effectiveness based on publicly available IRS data.
Organization Overview
Pennsylvania Automobile Insurance Plan is a small nonprofit that has been operating for 72 years, with 13 years of IRS 990 filings on record (2011–2023). Revenue has grown at a compound annual rate of -5.2%.
Key Financial Metrics (2023)
From the most recent IRS 990 filing on record:
| Total Revenue | $357K |
| Total Expenses | $350K |
| Surplus / Deficit | +$7K |
| Total Assets | $62K |
| Total Liabilities | $320K |
| Net Assets | $-257,709 |
| Operating Margin | 2.0% |
| Debt-to-Asset Ratio | 513.5% |
| Months of Reserves | 2.1 months |
Financial Health Grade: B
In 2023, Pennsylvania Automobile Insurance Plan reported a surplus of $7K with revenue exceeding expenses, holds 2.1 months of operating reserves (limited), has a debt-to-asset ratio of 513.5% (high leverage).
Financial Trends
Over 13 years of filings (2011–2023), Pennsylvania Automobile Insurance Plan's revenue has declined at a compound annual growth rate (CAGR) of -5.2%.
| Year | Revenue Change | Expense Change | Asset Change |
|---|---|---|---|
| 2023 | -0.8% | +19.7% | -37.8% |
| 2022 | -2.7% | -6.3% | -2.4% |
| 2021 | -5.7% | -8.3% | +4.2% |
| 2020 | -10.9% | -10.4% | +0.4% |
| 2019 | -7.9% | -12.1% | +33.7% |
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 Pennsylvania Automobile Insurance Plan with a Mission Score of 75 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: 10%
- programs: 85%
- fundraising: 5%
According to IRS 990 filings, Pennsylvania Automobile Insurance Plan allocates its expenses as follows: admin: 10%, programs: 85%, fundraising: 5%. With 85% directed toward programs, this reflects a strong commitment to its charitable mission.
Key Financial Metrics (2023)
From the most recent IRS 990 filing on record:
- The organization reported a surplus of $7K, with revenue exceeding expenses.
- Debt-to-asset ratio: 513.5%.
Executive Compensation Analysis
Executive compensation is consistently reported as 0% across all available filings, which is highly unusual for an organization of its size and operational scope. This suggests either a fully volunteer-led executive team or that compensation is structured in a way that is not captured under 'officer compensation' on the 990, warranting further inquiry.
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 Pennsylvania Automobile Insurance Plan's IRS 990 filings:
- 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
The following positive indicators were identified for Pennsylvania Automobile Insurance Plan:
- 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.
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) some concerns. Mission Score: 75/100. 2 red flags identified, 3 strengths noted.
How does Pennsylvania Automobile Insurance Plan spend its money?
Pennsylvania Automobile Insurance Plan directs 85% of its spending to programs and services. The remaining budget covers administration and fundraising costs.
Are donations to Pennsylvania Automobile Insurance Plan tax-deductible?
Pennsylvania Automobile Insurance Plan is registered as a tax-exempt nonprofit (EIN: 131997551). Donations to most 501(c)(3) organizations are tax-deductible. Consult a tax professional for your specific situation.
What percentage of Pennsylvania Automobile Insurance Plan's spending goes to programs?
Pennsylvania Automobile Insurance Plan directs 85% to programs, 5% to fundraising. This exceeds the 65% industry benchmark for efficient nonprofits.
Where is Pennsylvania Automobile Insurance Plan located?
Pennsylvania Automobile Insurance Plan is headquartered in Johnston, Rhode Island and files with the IRS under EIN 131997551.
How many years of IRS 990 filings does Pennsylvania Automobile Insurance Plan have?
Pennsylvania Automobile Insurance Plan has 13 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 $374K in total revenue.
What is the nature of the organization's liabilities, which consistently exceed its assets?
The organization consistently reports liabilities significantly higher than its assets (e.g., $320,029 in liabilities vs. $62,320 in assets in 2023). Understanding the composition of these liabilities (e.g., deferred revenue, operational payables) is crucial for a complete financial picture.
How does the organization manage its operations with 0% reported officer compensation?
The consistent reporting of 0% officer compensation across all filings is highly unusual. It suggests either a volunteer-led executive team or that executive compensation is categorized differently within the financial statements, which would require further clarification to understand the true cost of leadership.
What are the specific program activities and how are they funded?
Without an NTEE code or detailed program descriptions, it's difficult to assess the specific impact and efficiency of the organization's programs. Understanding the nature of its 'automobile insurance plan' activities and how expenses are allocated to these programs would provide greater insight.
Filing History
IRS 990 filing history for Pennsylvania Automobile Insurance Plan showing financial trends over 13 years of public records:
Over 13 years of IRS 990 filings (2011–2023), Pennsylvania Automobile Insurance Plan's revenue has declined by 47.2%, moving from $676K to $357K. Total assets decreased by 24.3% over the same period, from $82K to $62K. Total functional expenses fell by 41.4%, from $597K to $350K. In its most recent filing year (2023), Pennsylvania Automobile Insurance Plan reported a surplus of $7K, with revenue exceeding expenses. The organization holds $320K in liabilities against $62K in assets (debt-to-asset ratio: 513.5%), resulting in net assets of $-257,709.
| Year | Revenue | Expenses | Assets | Liabilities | Officer Comp. % | |
|---|---|---|---|---|---|---|
| 2023 | $357K | $350K | $62K | $320K | — | — |
| 2022 | $360K | $292K | $100K | $335K | — | View 990 |
| 2021 | $370K | $312K | $103K | $351K | — | View 990 |
| 2020 | $392K | $340K | $99K | $466K | — | View 990 |
| 2019 | $440K | $379K | $98K | $429K | — | — |
| 2018 | $478K | $431K | $73K | $378K | — | View 990 |
| 2017 | $456K | $431K | $76K | $433K | — | — |
| 2016 | $466K | $421K | $87K | $406K | — | View 990 |
| 2015 | $489K | $457K | $91K | $403K | — | View 990 |
| 2014 | $575K | $485K | $108K | $466K | — | View 990 |
| 2013 | $637K | $604K | $51K | $248K | — | View 990 |
| 2012 | $636K | $608K | $51K | $516K | — | View 990 |
| 2011 | $676K | $597K | $82K | $418K | — | View 990 |
Year-by-Year Financial Summary
- 2023: Revenue of $357K, expenses of $350K, and assets of $62K (revenue -0.8% year-over-year).
- 2022: Revenue of $360K, expenses of $292K, and assets of $100K (revenue -2.7% year-over-year).
- 2021: Revenue of $370K, expenses of $312K, and assets of $103K (revenue -5.7% year-over-year).
- 2020: Revenue of $392K, expenses of $340K, and assets of $99K (revenue -10.9% year-over-year).
- 2019: Revenue of $440K, expenses of $379K, and assets of $98K (revenue -7.9% year-over-year).
- 2018: Revenue of $478K, expenses of $431K, and assets of $73K (revenue +4.9% year-over-year).
- 2017: Revenue of $456K, expenses of $431K, and assets of $76K (revenue -2.1% year-over-year).
- 2016: Revenue of $466K, expenses of $421K, and assets of $87K (revenue -4.8% year-over-year).
- 2015: Revenue of $489K, expenses of $457K, and assets of $91K (revenue -14.9% year-over-year).
- 2014: Revenue of $575K, expenses of $485K, and assets of $108K (revenue -9.7% year-over-year).
- 2013: Revenue of $637K, expenses of $604K, and assets of $51K (revenue +0.2% year-over-year).
- 2012: Revenue of $636K, expenses of $608K, and assets of $51K (revenue -6.0% year-over-year).
- 2011: Revenue of $676K, expenses of $597K, and assets of $82K.
View Individual Filing Years
Explore detailed financial data from each IRS 990 filing year for Pennsylvania Automobile Insurance Plan:
Data Sources and Methodology
This transparency report for Pennsylvania Automobile Insurance Plan 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.