{"success":true,"data":{"_id":610408077,"filings":[{"Organization":{"value":null,"Person":["LISA HRIC","PAOLO ABELLI","GEORGE MOORE","MIKE DONOVAN","ANNE NOVAK","KRISTEN MELLINGER","ANGIE HASTON","HEATHER MCMAHON","RODNEY SHOCKLEY","STEPHEN HILLIS"],"Title":["DIRECTOR","DIRECTOR","CHAIRPERSON","DIRECTOR","DIRECTOR","DIRECTOR","DIRECTOR","DIRECTOR","VICE-CHAIRPERSON","SECRETARY-TREASURER/EXECUTIVE DIRECTOR"],"Hours":[1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,8.0],"Total Compensation":[0,0,0,0,0,0,0,0,0,84751],"Direct compensation":[0,0,0,0,0,0,0,0,0,39427],"Other compensation":[0,0,0,0,0,0,0,0,0,45324]},"Basic":{"value":null,"mission":"To assist high-risk motorists in obtaining auto insurance and distribute the risk to ky insurers.","year":2017,"name":"KENTUCKY AUTOMOBILE INSURANCE PLAN","phone":5023278909,"website":"WWW.KYINSPLANS.ORG","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"STEPHEN HILLIS","year_formation":1980,"state_legal_domicile":"KY","total_volunteers":0,"tax_period_begin":"2017-01-01T00:00:00","tax_period_end":"2017-12-31T00:00:00","address":"10605 SHELBYVILLE ROAD, LOUISVILLE, KY, 40223, USA","city":"LOUISVILLE","state":"KY","country":"USA","zip_code":40223},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":9,"Number of independent voting members":9,"Number of employees total":12,"Total Gross UBI":0,"Net unrelated business taxable income":0,"Number of employees":12,"Prohibited tax shelter transactions":true,"Taxable party notification":true,"Funds to pay premiums":false,"Premiums Paid":false,"Family or business relationship":true,"Delegation of management duties":true,"Conflict of interest policy":true,"Whistle blower policy":true,"Compensation process for CEO":true,"Compensation process for other employees":true,"Changes to organizing documents":true,"Material diversion or misuse":true,"Members or stockholders":true,"Election of board members":true,"Decisions subject to approval":true,"Minutes of governing body":true,"Local chapters":true,"Form 990 provided to governing body":true,"Document retention policy":true,"Investment in joint venture":true,"Independent audit financial statements":true,"Consolidated audit financial statements":true,"Accountant compile or review":true,"Political activities":true,"Donor advised funds":true,"Conservation easements":true,"Collections of art":true,"School":true,"Hospital":true,"Foreign activities":true,"Foreign office":true,"Gaming":true,"Fundraising activities":true,"Professional fundraising":true,"Loan to officer or DQP":true,"Grant to related person":true,"Business relationship through family member":true,"Business relationship with organization":true},"Revenues":{"value":226756,"Contributions":{"value":0,"Other contributions":0,"Contributions from gifts and grants":0,"Fundraising revenue":0,"Dues":0,"Campaigns":0,"Grant revenue":0,"Related organizations":0},"Program revenue":{"value":226756,"Total revenue":226756,"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":0,"Investment income total":0,"Net investment gain":0,"Income from invest bond proceeds":0},"Other revenues":{"value":0,"Other total":0,"Royalties revenue":0,"Net rental income":0,"Net income from fundraising events":0,"Net income from gaming":0,"Net income":0,"Gross profit from sales of inventory":0,"Gain from sale of assets":0}},"Expenses":{"value":191410,"Grant expense":{"value":0,"Grants to domestic orgs":0,"Grants to domestic individuals":0,"Grants and similar":0,"Foreign grants":0},"Total professional fundraising expense":{"value":0,"Fundraising professional":0,"Fees to independent contractors":0},"Benefits paid to members":{"value":0,"Benefits paid to members Total":0},"Salaries":{"value":126586,"Current officers":49398,"Disqualified persons":0,"Other salaries and wages":48294,"Pension plan contributions":5501,"Other employee benefits":17810,"Payroll taxes":5583},"Other expenses":{"value":64824,"Management services":0,"Legal":561,"Accounting":3195,"Lobbying services":0,"Investment management fees":0,"Other services":207,"Advertising":0,"Office expenses":8992,"Information technology":18666,"Royalties":0,"Occupancy":7789,"Travel":1753,"Conferences and meetings":0,"Interest":0,"Payments to affiliates":0,"Depreciation and depletion":0,"Insurance":6203,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":17458,"AIPSO SERVICE":13169,"MISCELLANEOUS":4289},"All other expenses":0},"Functional Expenses":{"value":null,"Program Service Expenses":0,"Management And General Expenses":0,"Fundraising Expenses":0}},"Assets":{"value":528322,"Non-interest bearing cash":224984,"Savings and temp cash investments":0,"Pledges and grants receivable":0,"Accounts receivable":303338,"Receivables from officers":0,"Receivables from disqual persons":0,"Other net note and loans":0,"Inventories for sale or use":0,"Prepaid expenses deferred charges":0,"Land, building, equipment":0,"Investments publicly traded":0,"Investments other":0,"Investments program related":0,"Intangible assets":0,"Other assets":0},"Liabilities":{"value":35807,"Sum of Total Liabilities":0,"Accounts payable, accrued":35807,"Grants payable":0,"Deferred, revenue":0,"Tax exempt bond liabilities":0,"Escrow account liability":0,"Loans from officers, directors":0,"Secured mortgages and notes payable":0,"Unsecured notes loans payable":0,"Other liabilities":0},"Fund balance":{"value":492515,"Net assets without donor restriction":0,"Net assets with donor restriction":0,"Unrestricted net assets":0,"Temporarily restricted net assets":0,"Permanently restricted net assets":0},"Ratings":{"Program Expense Ratio":{"score":0.0,"percentile":0.4421253816471043},"Fundraising Efficiency":{"score":null,"percentile":null},"Operating Margin":{"score":0.15587680149588104,"percentile":0.7062237003887966},"Liabilities to Assets Ratio":{"score":0.06777495542491133,"percentile":0.3620309783312276},"Operating Reserve Ratio":{"score":2.7601588213781936,"percentile":0.6941019053368064},"Officer Compensation Ratio":{"score":0.4427720599759678,"percentile":0.09371408812593801},"Program Expense Growth":{"score":null,"percentile":null},"Revenue Growth":{"score":null,"percentile":null},"Asset Growth":{"score":null,"percentile":null},"Independent Voting Board Pct":{"score":1.0,"percentile":0.9933392423419786},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.5872999940652727,"percentile":0.5680486874705397}},"source_xml":"201800439349300795_public.xml"},{"Organization":{"value":null,"Person":["CHRISTOPHER MIGLIOZZI","GEORGE MOORE","KRISTEN MELLINGER","ANGIE HASTON","BRAD ERDMAN","STEPHEN HILLIS","RUDY SCHLICH","BERT HACKENBERG"],"Title":["DIRECTOR","CHAIRPERSON","DIRECTOR","DIRECTOR","VICE-CHAIRPERSON","SECRETARY-TREASURER/EXECUTIVE DIRECTOR","DIRECTOR","DIRECTOR"],"Hours":[1.0,1.0,1.0,1.0,1.0,6.0,1.0,1.0],"Total Compensation":[0,0,0,0,0,123790,0,0],"Direct compensation":[0,0,0,0,0,41418,0,0],"Other compensation":[0,0,0,0,0,82372,0,0]},"Basic":{"value":null,"mission":"To assist high-risk motorists in obtaining auto insurance and distribute the risk to ky insurers.","year":2024,"name":"KENTUCKY AUTOMOBILE INSURANCE PLAN","phone":5023278909,"website":"WWW.KYINSPLANS.ORG","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"STEPHEN HILLIS","year_formation":1980,"state_legal_domicile":"KY","total_volunteers":0,"tax_period_begin":"2024-01-01T00:00:00","tax_period_end":"2024-12-31T00:00:00","address":"PO BOX 437249, LOUISVILLE, KY, 40253, USA","city":"LOUISVILLE","state":"KY","country":"USA","zip_code":40253},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":7,"Number of independent voting members":7,"Number of employees total":0,"Total Gross UBI":0,"Net unrelated business taxable income":0,"Number of employees":0,"Prohibited tax shelter transactions":true,"Taxable party notification":true,"Funds to pay premiums":false,"Premiums Paid":false,"Family or business relationship":true,"Delegation of management duties":true,"Conflict of interest policy":true,"Whistle blower policy":true,"Compensation process for CEO":true,"Compensation process for other employees":true,"Changes to organizing documents":true,"Material diversion or misuse":true,"Members or stockholders":true,"Election of board members":true,"Decisions subject to approval":true,"Minutes of governing body":true,"Local chapters":true,"Form 990 provided to governing body":true,"Document retention policy":true,"Investment in joint venture":true,"Independent audit financial statements":true,"Consolidated audit financial statements":true,"Accountant compile or review":true,"Political activities":true,"Donor advised funds":true,"Conservation easements":true,"Collections of art":true,"School":true,"Hospital":true,"Foreign activities":true,"Foreign office":true,"Gaming":true,"Fundraising activities":true,"Professional fundraising":true,"Loan to officer or DQP":true,"Grant to related person":true,"Business relationship through family member":true,"Business relationship with organization":true},"Revenues":{"value":362216,"Contributions":{"value":0,"Other contributions":0,"Contributions from gifts and grants":0,"Fundraising revenue":0,"Dues":0,"Campaigns":0,"Grant revenue":0,"Related organizations":0},"Program revenue":{"value":323394,"Total revenue":{"value":323394,"ASSESSMENTS":250255,"PREMIUMS":73139},"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":34958,"Investment income total":34958,"Net investment gain":0,"Income from invest bond proceeds":0},"Other revenues":{"value":3864,"Other total":3864,"Royalties revenue":0,"Net rental income":0,"Net income from fundraising events":0,"Net income from gaming":0,"Net income":0,"Gross profit from sales of inventory":0,"Gain from sale of assets":0}},"Expenses":{"value":412352,"Grant expense":{"value":0,"Grants to domestic orgs":0,"Grants to domestic individuals":0,"Grants and similar":0,"Foreign grants":0},"Total professional fundraising expense":{"value":0,"Fundraising professional":0,"Fees to independent contractors":0},"Benefits paid to members":{"value":0,"Benefits paid to members Total":0},"Salaries":{"value":132861,"Current officers":51336,"Disqualified persons":0,"Other salaries and wages":47105,"Pension plan contributions":8945,"Other employee benefits":19400,"Payroll taxes":6075},"Other expenses":{"value":279491,"Management services":37967,"Legal":597,"Accounting":15430,"Lobbying services":0,"Investment management fees":0,"Other services":26952,"Advertising":0,"Office expenses":3354,"Information technology":26811,"Royalties":0,"Occupancy":6400,"Travel":4510,"Conferences and meetings":0,"Interest":0,"Payments to affiliates":0,"Depreciation and depletion":0,"Insurance":3473,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":153997,"ASSESSMENT REAPPORTIONM":87707,"UNDERWRITING EXPENSES":59529,"MISCELLANEOUS":6761},"All other expenses":0},"Functional Expenses":{"value":null,"Program Service Expenses":0,"Management And General Expenses":0,"Fundraising Expenses":0}},"Assets":{"value":1057123,"Non-interest bearing cash":65317,"Savings and temp cash investments":755310,"Pledges and grants receivable":0,"Accounts receivable":7739,"Receivables from officers":0,"Receivables from disqual persons":0,"Other net note and loans":0,"Inventories for sale or use":0,"Prepaid expenses deferred charges":0,"Land, building, equipment":0,"Investments publicly traded":0,"Investments other":0,"Investments program related":0,"Intangible assets":0,"Other assets":228757},"Liabilities":{"value":127710,"Sum of Total Liabilities":0,"Accounts payable, accrued":41969,"Grants payable":0,"Deferred, revenue":0,"Tax exempt bond liabilities":0,"Escrow account liability":0,"Loans from officers, directors":0,"Secured mortgages and notes payable":0,"Unsecured notes loans payable":0,"Other liabilities":85741},"Fund balance":{"value":929413,"Net assets without donor restriction":0,"Net assets with donor restriction":0,"Unrestricted net assets":0,"Temporarily restricted net assets":0,"Permanently restricted net assets":0},"Ratings":{"Program Expense Ratio":{"score":0.0,"percentile":0.4421253816471043},"Fundraising Efficiency":{"score":null,"percentile":null},"Operating Margin":{"score":-0.13841464761357863,"percentile":0.18949517586131068},"Liabilities to Assets Ratio":{"score":0.12080902600738042,"percentile":0.306531070918813},"Operating Reserve Ratio":{"score":2.563642227999379,"percentile":0.6772329419296766},"Officer Compensation Ratio":{"score":0.30020467949712865,"percentile":0.1868411323403077},"Program Expense Growth":{"score":null,"percentile":null},"Revenue Growth":{"score":0.06568208273819173,"percentile":0.6667254597126252},"Asset Growth":{"score":0.07328537952529882,"percentile":0.6082019116710735},"Independent Voting Board Pct":{"score":1.0,"percentile":0.9933392423419786},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.5009596979686435,"percentile":0.32394778559962306}},"source_xml":"202540589349300519_public.xml"},{"Organization":{"value":null,"Person":["CHRISTOPHER MIGLIOZZI","GEORGE MOORE","KRISTEN MELLINGER","ANGIE HASTON","RODNEY SHOCKLEY","STEPHEN HILLIS","RUDY SCHLICH"],"Title":["DIRECTOR","CHAIRPERSON","DIRECTOR","DIRECTOR","VICE-CHAIRPERSON","SECRETARY-TREASURER/EXECUTIVE DIRECTOR","DIRECTOR"],"Hours":[1.0,1.0,1.0,1.0,1.0,6.0,1.0],"Total Compensation":[0,0,0,0,0,111384,0],"Direct compensation":[0,0,0,0,0,42666,0],"Other compensation":[0,0,0,0,0,68718,0]},"Basic":{"value":null,"mission":"To assist high-risk motorists in obtaining auto insurance and distribute the risk to ky insurers.","year":2022,"name":"KENTUCKY AUTOMOBILE INSURANCE PLAN","phone":5023278909,"website":"WWW.KYINSPLANS.ORG","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"STEPHEN HILLIS","year_formation":1980,"state_legal_domicile":"KY","total_volunteers":0,"tax_period_begin":"2022-01-01T00:00:00","tax_period_end":"2022-12-31T00:00:00","address":"PO BOX 437249, LOUISVILLE, KY, 40243, USA","city":"LOUISVILLE","state":"KY","country":"USA","zip_code":40243},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":6,"Number of independent voting members":6,"Number of employees total":0,"Total Gross UBI":0,"Net unrelated business taxable income":0,"Number of employees":0,"Prohibited tax shelter transactions":true,"Taxable party notification":true,"Funds to pay premiums":false,"Premiums Paid":false,"Family or business relationship":true,"Delegation of management duties":true,"Conflict of interest policy":true,"Whistle blower policy":true,"Compensation process for CEO":true,"Compensation process for other employees":true,"Changes to organizing documents":true,"Material diversion or misuse":true,"Members or stockholders":true,"Election of board members":true,"Decisions subject to approval":true,"Minutes of governing body":true,"Local chapters":true,"Form 990 provided to governing body":true,"Document retention policy":true,"Investment in joint venture":true,"Independent audit financial statements":true,"Consolidated audit financial statements":true,"Accountant compile or review":true,"Political activities":true,"Donor advised funds":true,"Conservation easements":true,"Collections of art":true,"School":true,"Hospital":true,"Foreign activities":true,"Foreign office":true,"Gaming":true,"Fundraising activities":true,"Professional fundraising":true,"Loan to officer or DQP":true,"Grant to related person":true,"Business relationship through family member":true,"Business relationship with organization":true},"Revenues":{"value":247624,"Contributions":{"value":0,"Other contributions":0,"Contributions from gifts and grants":0,"Fundraising revenue":0,"Dues":0,"Campaigns":0,"Grant revenue":0,"Related organizations":0},"Program revenue":{"value":238511,"Total revenue":{"value":238511,"ASSESSMENTS":208850,"PREMIUMS":29661},"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":7209,"Investment income total":7209,"Net investment gain":0,"Income from invest bond proceeds":0},"Other revenues":{"value":1904,"Other total":1904,"Royalties revenue":0,"Net rental income":0,"Net income from fundraising events":0,"Net income from gaming":0,"Net income":0,"Gross profit from sales of inventory":0,"Gain from sale of assets":0}},"Expenses":{"value":585418,"Grant expense":{"value":0,"Grants to domestic orgs":0,"Grants to domestic individuals":0,"Grants and similar":0,"Foreign grants":0},"Total professional fundraising expense":{"value":0,"Fundraising professional":0,"Fees to independent contractors":0},"Benefits paid to members":{"value":0,"Benefits paid to members Total":0},"Salaries":{"value":119976,"Current officers":49538,"Disqualified persons":0,"Other salaries and wages":36190,"Pension plan contributions":7563,"Other employee benefits":21559,"Payroll taxes":5126},"Other expenses":{"value":465442,"Management services":0,"Legal":112,"Accounting":13696,"Lobbying services":0,"Investment management fees":0,"Other services":26099,"Advertising":0,"Office expenses":4062,"Information technology":13636,"Royalties":0,"Occupancy":6400,"Travel":4925,"Conferences and meetings":0,"Interest":0,"Payments to affiliates":0,"Depreciation and depletion":0,"Insurance":2791,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":393721,"ASSESSMENT REAPPORTIONM":269399,"UNDERWRITING EXPENSES":98497,"MANAGEMENT FEES":22161,"MISCELLANEOUS":3664},"All other expenses":0},"Functional Expenses":{"value":null,"Program Service Expenses":0,"Management And General Expenses":0,"Fundraising Expenses":0}},"Assets":{"value":1272983,"Non-interest bearing cash":220038,"Savings and temp cash investments":981988,"Pledges and grants receivable":0,"Accounts receivable":3294,"Receivables from officers":0,"Receivables from disqual persons":0,"Other net note and loans":0,"Inventories for sale or use":0,"Prepaid expenses deferred charges":0,"Land, building, equipment":0,"Investments publicly traded":0,"Investments other":0,"Investments program related":0,"Intangible assets":0,"Other assets":67663},"Liabilities":{"value":363291,"Sum of Total Liabilities":0,"Accounts payable, accrued":152657,"Grants payable":0,"Deferred, revenue":0,"Tax exempt bond liabilities":0,"Escrow account liability":0,"Loans from officers, directors":0,"Secured mortgages and notes payable":0,"Unsecured notes loans payable":0,"Other liabilities":210634},"Fund balance":{"value":909692,"Net assets without donor restriction":0,"Net assets with donor restriction":0,"Unrestricted net assets":0,"Temporarily restricted net assets":0,"Permanently restricted net assets":0},"Ratings":{"Program Expense Ratio":{"score":0.0,"percentile":0.4421253816471043},"Fundraising Efficiency":{"score":null,"percentile":null},"Operating Margin":{"score":-1.3641407941071948,"percentile":0.03250222808543212},"Liabilities to Assets Ratio":{"score":0.2853855864532362,"percentile":0.20808015135202457},"Operating Reserve Ratio":{"score":2.1744855812428043,"percentile":0.6375167508410534},"Officer Compensation Ratio":{"score":0.1902640506441551,"percentile":0.33079240671886895},"Program Expense Growth":{"score":null,"percentile":null},"Revenue Growth":{"score":0.05536428904932441,"percentile":0.6282389718944044},"Asset Growth":{"score":0.17304724985879552,"percentile":0.8151909245948851},"Independent Voting Board Pct":{"score":1.0,"percentile":0.9933392423419786},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.48097319501927915,"percentile":0.27679719733468416}},"source_xml":"202310619349300511_public.xml"},{"Organization":{"value":null,"Person":["CHRISTOPHER MIGLIOZZI","GEORGE MOORE","KRISTEN MELLINGER","ANGIE HASTON","BRAD ERDMAN","STEPHEN HILLIS","RUDY SCHLICH","BERT HACKENBERG"],"Title":["DIRECTOR","CHAIRPERSON","DIRECTOR","DIRECTOR","VICE-CHAIRPERSON","SECRETARY-TREASURER/EXECUTIVE DIRECTOR","DIRECTOR","DIRECTOR"],"Hours":[1.0,1.0,1.0,1.0,1.0,6.0,1.0,1.0],"Total Compensation":[0,0,0,0,0,104390,0,0],"Direct compensation":[0,0,0,0,0,28209,0,0],"Other compensation":[0,0,0,0,0,76181,0,0]},"Basic":{"value":null,"mission":"To assist high-risk motorists in obtaining auto insurance and distribute the risk to ky insurers.","year":2023,"name":"KENTUCKY AUTOMOBILE INSURANCE PLAN","phone":5023278909,"website":"WWW.KYINSPLANS.ORG","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"STEPHEN HILLIS","year_formation":1980,"state_legal_domicile":"KY","total_volunteers":0,"tax_period_begin":"2023-01-01T00:00:00","tax_period_end":"2023-12-31T00:00:00","address":"PO BOX 437249, LOUISVILLE, KY, 40253, USA","city":"LOUISVILLE","state":"KY","country":"USA","zip_code":40253},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":7,"Number of independent voting members":7,"Number of employees total":0,"Total Gross UBI":0,"Net unrelated business taxable income":0,"Number of employees":0,"Prohibited tax shelter transactions":true,"Taxable party notification":true,"Funds to pay premiums":false,"Premiums Paid":false,"Family or business relationship":true,"Delegation of management duties":true,"Conflict of interest policy":true,"Whistle blower policy":true,"Compensation process for CEO":true,"Compensation process for other employees":true,"Changes to organizing documents":true,"Material diversion or misuse":true,"Members or stockholders":true,"Election of board members":true,"Decisions subject to approval":true,"Minutes of governing body":true,"Local chapters":true,"Form 990 provided to governing body":true,"Document retention policy":true,"Investment in joint venture":true,"Independent audit financial statements":true,"Consolidated audit financial statements":true,"Accountant compile or review":true,"Political activities":true,"Donor advised funds":true,"Conservation easements":true,"Collections of art":true,"School":true,"Hospital":true,"Foreign activities":true,"Foreign office":true,"Gaming":true,"Fundraising activities":true,"Professional fundraising":true,"Loan to officer or DQP":true,"Grant to related person":true,"Business relationship through family member":true,"Business relationship with organization":true},"Revenues":{"value":347004,"Contributions":{"value":0,"Other contributions":0,"Contributions from gifts and grants":0,"Fundraising revenue":0,"Dues":0,"Campaigns":0,"Grant revenue":0,"Related organizations":0},"Program revenue":{"value":320771,"Total revenue":{"value":320771,"ASSESSMENTS":279605,"PREMIUMS":41166},"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":22083,"Investment income total":22083,"Net investment gain":0,"Income from invest bond proceeds":0},"Other revenues":{"value":4150,"Other total":4150,"Royalties revenue":0,"Net rental income":0,"Net income from fundraising events":0,"Net income from gaming":0,"Net income":0,"Gross profit from sales of inventory":0,"Gain from sale of assets":0}},"Expenses":{"value":277147,"Grant expense":{"value":0,"Grants to domestic orgs":0,"Grants to domestic individuals":0,"Grants and similar":0,"Foreign grants":0},"Total professional fundraising expense":{"value":0,"Fundraising professional":0,"Fees to independent contractors":0},"Benefits paid to members":{"value":0,"Benefits paid to members Total":0},"Salaries":{"value":127079,"Current officers":35827,"Disqualified persons":0,"Other salaries and wages":56689,"Pension plan contributions":7891,"Other employee benefits":20742,"Payroll taxes":5930},"Other expenses":{"value":150068,"Management services":0,"Legal":0,"Accounting":14412,"Lobbying services":0,"Investment management fees":0,"Other services":27071,"Advertising":0,"Office expenses":5159,"Information technology":32597,"Royalties":0,"Occupancy":6400,"Travel":5105,"Conferences and meetings":0,"Interest":0,"Payments to affiliates":0,"Depreciation and depletion":0,"Insurance":2990,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":56334,"UNDERWRITING EXPENSES":24377,"MANAGEMENT FEES":21617,"MISCELLANEOUS":5523,"ASSESSMENT REAPPORTIONM":4817},"All other expenses":0},"Functional Expenses":{"value":null,"Program Service Expenses":0,"Management And General Expenses":0,"Fundraising Expenses":0}},"Assets":{"value":1190068,"Non-interest bearing cash":137853,"Savings and temp cash investments":776731,"Pledges and grants receivable":0,"Accounts receivable":23544,"Receivables from officers":0,"Receivables from disqual persons":0,"Other net note and loans":0,"Inventories for sale or use":0,"Prepaid expenses deferred charges":0,"Land, building, equipment":0,"Investments publicly traded":0,"Investments other":0,"Investments program related":0,"Intangible assets":0,"Other assets":251940},"Liabilities":{"value":210519,"Sum of Total Liabilities":0,"Accounts payable, accrued":34877,"Grants payable":0,"Deferred, revenue":0,"Tax exempt bond liabilities":0,"Escrow account liability":0,"Loans from officers, directors":0,"Secured mortgages and notes payable":0,"Unsecured notes loans payable":0,"Other liabilities":175642},"Fund balance":{"value":979549,"Net assets without donor restriction":0,"Net assets with donor restriction":0,"Unrestricted net assets":0,"Temporarily restricted net assets":0,"Permanently restricted net assets":0},"Ratings":{"Program Expense Ratio":{"score":0.0,"percentile":0.4421253816471043},"Fundraising Efficiency":{"score":null,"percentile":null},"Operating Margin":{"score":0.20131468225150143,"percentile":0.7576116146990663},"Liabilities to Assets Ratio":{"score":0.176896614311115,"percentile":0.2652515514565748},"Operating Reserve Ratio":{"score":4.293995605220334,"percentile":0.7812141603743862},"Officer Compensation Ratio":{"score":0.3766593179792673,"percentile":0.12839900622549813},"Program Expense Growth":{"score":null,"percentile":null},"Revenue Growth":{"score":0.06429321797365019,"percentile":0.6617731254747189},"Asset Growth":{"score":0.11553680411020412,"percentile":0.7187357278612055},"Independent Voting Board Pct":{"score":1.0,"percentile":0.9933392423419786},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.6141608836430441,"percentile":0.6463792873465892}},"source_xml":"202420609349301002_public.xml"},{"Organization":{"value":null,"Person":["CHRISTOPHER MIGLIOZZI","GEORGE MOORE","KRISTEN MELLINGER","RAQUEL VEGA-GASKINS","BRAD ERDMAN","STEPHEN HILLIS","RUDY SCHLICH","BERT HACKENBERG"],"Title":["DIRECTOR","CHAIRPERSON","DIRECTOR","DIRECTOR","VICE-CHAIRPERSON","SECRETARY-TREASURER/PLAN MANAGER","DIRECTOR","DIRECTOR"],"Hours":[1.0,1.0,1.0,1.0,1.0,3.0,1.0,1.0],"Total Compensation":[0,0,0,0,0,91452,0,0],"Direct compensation":[0,0,0,0,0,0,0,0],"Other compensation":[0,0,0,0,0,91452,0,0]},"Basic":{"value":null,"mission":"To assist high-risk motorists in obtaining auto insurance and distribute the risk to ky insurers.","year":2025,"name":"KENTUCKY AUTOMOBILE INSURANCE PLAN","phone":5023278909,"website":"WWW.KYINSPLANS.ORG","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"STEPHEN HILLIS","year_formation":1980,"state_legal_domicile":"KY","total_volunteers":0,"tax_period_begin":"2025-01-01T00:00:00","tax_period_end":"2025-12-31T00:00:00","address":"PO BOX 437249, LOUISVILLE, KY, 40253, USA","city":"LOUISVILLE","state":"KY","country":"USA","zip_code":40253},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":7,"Number of independent voting members":7,"Number of employees total":0,"Total Gross UBI":0,"Net unrelated business taxable income":0,"Number of employees":0,"Prohibited tax shelter transactions":true,"Taxable party notification":true,"Funds to pay premiums":false,"Premiums Paid":false,"Family or business relationship":true,"Delegation of management duties":true,"Conflict of interest policy":true,"Whistle blower policy":true,"Compensation process for CEO":true,"Compensation process for other employees":true,"Changes to organizing documents":true,"Material diversion or misuse":true,"Members or stockholders":true,"Election of board members":true,"Decisions subject to approval":true,"Minutes of governing body":true,"Local chapters":true,"Form 990 provided to governing body":true,"Document retention policy":true,"Investment in joint venture":true,"Independent audit financial statements":true,"Consolidated audit financial statements":true,"Accountant compile or review":true,"Political activities":true,"Donor advised funds":true,"Conservation easements":true,"Collections of art":true,"School":true,"Hospital":true,"Foreign activities":true,"Foreign office":true,"Gaming":true,"Fundraising activities":true,"Professional fundraising":true,"Loan to officer or DQP":true,"Grant to related person":true,"Business relationship through family member":true,"Business relationship with organization":true},"Revenues":{"value":360194,"Contributions":{"value":0,"Other contributions":0,"Contributions from gifts and grants":0,"Fundraising revenue":0,"Dues":0,"Campaigns":0,"Grant revenue":0,"Related organizations":0},"Program revenue":{"value":330874,"Total revenue":{"value":330874,"ASSESSMENTS":289719,"PREMIUMS":41155},"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":26370,"Investment income total":26370,"Net investment gain":0,"Income from invest bond proceeds":0},"Other revenues":{"value":2950,"Other total":2950,"Royalties revenue":0,"Net rental income":0,"Net income from fundraising events":0,"Net income from gaming":0,"Net income":0,"Gross profit from sales of inventory":0,"Gain from sale of assets":0}},"Expenses":{"value":337011,"Grant expense":{"value":0,"Grants to domestic orgs":0,"Grants to domestic individuals":0,"Grants and similar":0,"Foreign grants":0},"Total professional fundraising expense":{"value":0,"Fundraising professional":0,"Fees to independent contractors":0},"Benefits paid to members":{"value":0,"Benefits paid to members Total":0},"Salaries":{"value":0,"Current officers":0,"Disqualified persons":0,"Other salaries and wages":0,"Pension plan contributions":0,"Other employee benefits":0,"Payroll taxes":0},"Other expenses":{"value":337011,"Management services":38409,"Legal":112,"Accounting":15750,"Lobbying services":0,"Investment management fees":0,"Other services":161578,"Advertising":0,"Office expenses":1742,"Information technology":5263,"Royalties":0,"Occupancy":6400,"Travel":0,"Conferences and meetings":0,"Interest":0,"Payments to affiliates":0,"Depreciation and depletion":0,"Insurance":2036,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":105721,"ASSESSMENT REAPPORTIONM":80965,"UNDERWRITING EXPENSES":22443,"MISCELLANEOUS":2313},"All other expenses":0},"Functional Expenses":{"value":null,"Program Service Expenses":0,"Management And General Expenses":0,"Fundraising Expenses":0}},"Assets":{"value":1030129,"Non-interest bearing cash":41125,"Savings and temp cash investments":713541,"Pledges and grants receivable":0,"Accounts receivable":10437,"Receivables from officers":0,"Receivables from disqual persons":0,"Other net note and loans":0,"Inventories for sale or use":0,"Prepaid expenses deferred charges":0,"Land, building, equipment":0,"Investments publicly traded":0,"Investments other":0,"Investments program related":0,"Intangible assets":0,"Other assets":265026},"Liabilities":{"value":77533,"Sum of Total Liabilities":0,"Accounts payable, accrued":25166,"Grants payable":0,"Deferred, revenue":0,"Tax exempt bond liabilities":0,"Escrow account liability":0,"Loans from officers, directors":0,"Secured mortgages and notes payable":0,"Unsecured notes loans payable":0,"Other liabilities":52367},"Fund balance":{"value":952596,"Net assets without donor restriction":0,"Net assets with donor restriction":0,"Unrestricted net assets":0,"Temporarily restricted net assets":0,"Permanently restricted net assets":0},"Ratings":{"Program Expense Ratio":{"score":0.0,"percentile":0.4421253816471043},"Fundraising Efficiency":{"score":null,"percentile":null},"Operating Margin":{"score":0.06436253796565185,"percentile":0.5558415376265698},"Liabilities to Assets Ratio":{"score":0.07526533084691335,"percentile":0.3524792988907516},"Operating Reserve Ratio":{"score":3.0566628388984336,"percentile":0.7163485177311859},"Officer Compensation Ratio":{"score":0.2713620623659168,"percentile":0.21605755569957613},"Program Expense Growth":{"score":null,"percentile":null},"Revenue Growth":{"score":0.06089633273944498,"percentile":0.6494089479096412},"Asset Growth":{"score":0.047073463391280615,"percentile":0.5154331847325367},"Independent Voting Board Pct":{"score":1.0,"percentile":0.9933392423419786},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.5692624583814674,"percentile":0.5146187802014366}},"source_xml":"202620629349300837_public.xml"},{"Organization":{"value":null,"Person":["MATT BOUTEILLIER","DAVID RAU","GEORGE MOORE","MIKE DONOVAN","ANNE NOVAK","KRISTEN MELLINGER","ANGIE HASTON","HEATHER MCMAHON","RODNEY SHOCKLEY","STEPHEN HILLIS"],"Title":["DIRECTOR","DIRECTOR","CHAIRPERSON","DIRECTOR","DIRECTOR","DIRECTOR","DIRECTOR","DIRECTOR","VICE-CHAIRPERSON","SECRETARY-TREASURER/EXECUTVE DIRECTOR"],"Hours":[1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,6.0],"Total Compensation":[0,0,0,0,0,0,0,0,0,78824],"Direct compensation":[0,0,0,0,0,0,0,0,0,32239],"Other compensation":[0,0,0,0,0,0,0,0,0,46585]},"Basic":{"value":null,"mission":"To assist high-risk motorists in obtaining auto insurance and distribute the risk to ky insurers.","year":2018,"name":"KENTUCKY AUTOMOBILE INSURANCE PLAN","phone":5023278909,"website":"WWW.KYINSPLANS.ORG","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"STEPHEN HILLIS","year_formation":1980,"state_legal_domicile":"KY","total_volunteers":0,"tax_period_begin":"2018-01-01T00:00:00","tax_period_end":"2018-12-31T00:00:00","address":"10605 SHELBYVILLE ROAD, LOUISVILLE, KY, 40223, USA","city":"LOUISVILLE","state":"KY","country":"USA","zip_code":40223},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":9,"Number of independent voting members":9,"Number of employees total":10,"Total Gross UBI":0,"Net unrelated business taxable income":0,"Number of employees":10,"Prohibited tax shelter transactions":true,"Taxable party notification":true,"Funds to pay premiums":false,"Premiums Paid":false,"Family or business relationship":true,"Delegation of management duties":true,"Conflict of interest policy":true,"Whistle blower policy":true,"Compensation process for CEO":true,"Compensation process for other employees":true,"Changes to organizing documents":true,"Material diversion or misuse":true,"Members or stockholders":true,"Election of board members":true,"Decisions subject to approval":true,"Minutes of governing body":true,"Local chapters":true,"Form 990 provided to governing body":true,"Document retention policy":true,"Investment in joint venture":true,"Independent audit financial statements":true,"Consolidated audit financial statements":true,"Accountant compile or review":true,"Political activities":true,"Donor advised funds":true,"Conservation easements":true,"Collections of art":true,"School":true,"Hospital":true,"Foreign activities":true,"Foreign office":true,"Gaming":true,"Fundraising activities":true,"Professional fundraising":true,"Loan to officer or DQP":true,"Grant to related person":true,"Business relationship through family member":true,"Business relationship with organization":true},"Revenues":{"value":113102,"Contributions":{"value":0,"Other contributions":0,"Contributions from gifts and grants":0,"Fundraising revenue":0,"Dues":0,"Campaigns":0,"Grant revenue":0,"Related organizations":0},"Program revenue":{"value":113102,"Total revenue":113102,"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":0,"Investment income total":0,"Net investment gain":0,"Income from invest bond proceeds":0},"Other revenues":{"value":0,"Other total":0,"Royalties revenue":0,"Net rental income":0,"Net income from fundraising events":0,"Net income from gaming":0,"Net income":0,"Gross profit from sales of inventory":0,"Gain from sale of assets":0}},"Expenses":{"value":222966,"Grant expense":{"value":0,"Grants to domestic orgs":0,"Grants to domestic individuals":0,"Grants and similar":0,"Foreign grants":0},"Total professional fundraising expense":{"value":0,"Fundraising professional":0,"Fees to independent contractors":0},"Benefits paid to members":{"value":0,"Benefits paid to members Total":0},"Salaries":{"value":128463,"Current officers":42488,"Disqualified persons":0,"Other salaries and wages":50654,"Pension plan contributions":8785,"Other employee benefits":20104,"Payroll taxes":6432},"Other expenses":{"value":94503,"Management services":0,"Legal":388,"Accounting":3285,"Lobbying services":0,"Investment management fees":0,"Other services":16789,"Advertising":0,"Office expenses":8038,"Information technology":26740,"Royalties":0,"Occupancy":7352,"Travel":7917,"Conferences and meetings":0,"Interest":0,"Payments to affiliates":0,"Depreciation and depletion":0,"Insurance":5952,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":18042,"AIPSO SERVICE":13662,"MISCELLANEOUS":4380},"All other expenses":0},"Functional Expenses":{"value":null,"Program Service Expenses":0,"Management And General Expenses":0,"Fundraising Expenses":0}},"Assets":{"value":418826,"Non-interest bearing cash":131762,"Savings and temp cash investments":0,"Pledges and grants receivable":0,"Accounts receivable":287064,"Receivables from officers":0,"Receivables from disqual persons":0,"Other net note and loans":0,"Inventories for sale or use":0,"Prepaid expenses deferred charges":0,"Land, building, equipment":0,"Investments publicly traded":0,"Investments other":0,"Investments program related":0,"Intangible assets":0,"Other assets":0},"Liabilities":{"value":36175,"Sum of Total Liabilities":0,"Accounts payable, accrued":36175,"Grants payable":0,"Deferred, revenue":0,"Tax exempt bond liabilities":0,"Escrow account liability":0,"Loans from officers, directors":0,"Secured mortgages and notes payable":0,"Unsecured notes loans payable":0,"Other liabilities":0},"Fund balance":{"value":382651,"Net assets without donor restriction":0,"Net assets with donor restriction":0,"Unrestricted net assets":0,"Temporarily restricted net assets":0,"Permanently restricted net assets":0},"Ratings":{"Program Expense Ratio":{"score":0.0,"percentile":0.4421253816471043},"Fundraising Efficiency":{"score":null,"percentile":null},"Operating Margin":{"score":-0.9713709748722392,"percentile":0.042635558592685606},"Liabilities to Assets Ratio":{"score":0.08637238375841041,"percentile":0.33960982936026074},"Operating Reserve Ratio":{"score":1.8784298951409633,"percentile":0.599552691158648},"Officer Compensation Ratio":{"score":0.35352475265287087,"percentile":0.1435468880567821},"Program Expense Growth":{"score":null,"percentile":null},"Revenue Growth":{"score":null,"percentile":null},"Asset Growth":{"score":null,"percentile":null},"Independent Voting Board Pct":{"score":1.0,"percentile":0.9933392423419786},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.43372521879612236,"percentile":0.1798854207767685}},"source_xml":"201920519349300912_public.xml"},{"Organization":{"value":null,"Person":["CHRISTOPHER MIGLIOZZI","GEORGE MOORE","KRISTEN MELLINGER","ANGIE HASTON","RODNEY SHOCKLEY","STEPHEN HILLIS","RUDY SCHLICH","ROBERT KEPPERLING","SHAWN BOGGS"],"Title":["DIRECTOR","CHAIRPERSON","DIRECTOR","DIRECTOR","VICE-CHAIRPERSON","SECRETARY-TREASURER/EXECUTIVE DIRECTOR","DIRECTOR","DIRECTOR","DIRECTOR"],"Hours":[1.0,1.0,1.0,1.0,1.0,8.0,1.0,1.0,1.0],"Total Compensation":[0,0,0,0,0,101943,0,0,0],"Direct compensation":[0,0,0,0,0,47443,0,0,0],"Other compensation":[0,0,0,0,0,54500,0,0,0]},"Basic":{"value":null,"mission":"To assist high-risk motorists in obtaining auto insurance and distribute the risk to ky insurers.","year":2020,"name":"KENTUCKY AUTOMOBILE INSURANCE PLAN","phone":5023278909,"website":"WWW.KYINSPLANS.ORG","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"STEPHEN HILLIS","year_formation":1980,"state_legal_domicile":"KY","total_volunteers":0,"tax_period_begin":"2020-01-01T00:00:00","tax_period_end":"2020-12-31T00:00:00","address":"PO BOX 437249, LOUISVILLE, KY, 40243, USA","city":"LOUISVILLE","state":"KY","country":"USA","zip_code":40243},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":8,"Number of independent voting members":8,"Number of employees total":10,"Total Gross UBI":0,"Net unrelated business taxable income":0,"Number of employees":10,"Prohibited tax shelter transactions":true,"Taxable party notification":true,"Funds to pay premiums":false,"Premiums Paid":false,"Family or business relationship":true,"Delegation of management duties":true,"Conflict of interest policy":true,"Whistle blower policy":true,"Compensation process for CEO":true,"Compensation process for other employees":true,"Changes to organizing documents":true,"Material diversion or misuse":true,"Members or stockholders":true,"Election of board members":true,"Decisions subject to approval":true,"Minutes of governing body":true,"Local chapters":true,"Form 990 provided to governing body":true,"Document retention policy":true,"Investment in joint venture":true,"Independent audit financial statements":true,"Consolidated audit financial statements":true,"Accountant compile or review":true,"Political activities":true,"Donor advised funds":true,"Conservation easements":true,"Collections of art":true,"School":true,"Hospital":true,"Foreign activities":true,"Foreign office":true,"Gaming":true,"Fundraising activities":true,"Professional fundraising":true,"Loan to officer or DQP":true,"Grant to related person":true,"Business relationship through family member":true,"Business relationship with organization":true},"Revenues":{"value":416393,"Contributions":{"value":0,"Other contributions":0,"Contributions from gifts and grants":0,"Fundraising revenue":0,"Dues":0,"Campaigns":0,"Grant revenue":0,"Related organizations":0},"Program revenue":{"value":411413,"Total revenue":{"value":411413,"ASSESSMENTS":304172,"PREMIUMS":107241},"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":2630,"Investment income total":2630,"Net investment gain":0,"Income from invest bond proceeds":0},"Other revenues":{"value":2350,"Other total":2350,"Royalties revenue":0,"Net rental income":0,"Net income from fundraising events":0,"Net income from gaming":0,"Net income":0,"Gross profit from sales of inventory":0,"Gain from sale of assets":0}},"Expenses":{"value":689376,"Grant expense":{"value":0,"Grants to domestic orgs":0,"Grants to domestic individuals":0,"Grants and similar":0,"Foreign grants":0},"Total professional fundraising expense":{"value":0,"Fundraising professional":0,"Fees to independent contractors":0},"Benefits paid to members":{"value":0,"Benefits paid to members Total":0},"Salaries":{"value":104392,"Current officers":58343,"Disqualified persons":0,"Other salaries and wages":21789,"Pension plan contributions":3028,"Other employee benefits":16335,"Payroll taxes":4897},"Other expenses":{"value":584984,"Management services":0,"Legal":3035,"Accounting":12370,"Lobbying services":0,"Investment management fees":0,"Other services":26163,"Advertising":0,"Office expenses":3193,"Information technology":4704,"Royalties":0,"Occupancy":7676,"Travel":1386,"Conferences and meetings":0,"Interest":0,"Payments to affiliates":0,"Depreciation and depletion":0,"Insurance":2033,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":524424,"UNDERWRITING EXPENSES":491514,"MANAGEMENT FEES":30855,"MISCELLANEOUS":2055},"All other expenses":0},"Functional Expenses":{"value":null,"Program Service Expenses":0,"Management And General Expenses":0,"Fundraising Expenses":0}},"Assets":{"value":1460458,"Non-interest bearing cash":247206,"Savings and temp cash investments":898553,"Pledges and grants receivable":0,"Accounts receivable":207846,"Receivables from officers":0,"Receivables from disqual persons":0,"Other net note and loans":0,"Inventories for sale or use":0,"Prepaid expenses deferred charges":0,"Land, building, equipment":0,"Investments publicly traded":0,"Investments other":0,"Investments program related":0,"Intangible assets":0,"Other assets":106853},"Liabilities":{"value":352263,"Sum of Total Liabilities":0,"Accounts payable, accrued":38540,"Grants payable":0,"Deferred, revenue":0,"Tax exempt bond liabilities":0,"Escrow account liability":0,"Loans from officers, directors":0,"Secured mortgages and notes payable":0,"Unsecured notes loans payable":0,"Other liabilities":313723},"Fund balance":{"value":1108195,"Net assets without donor restriction":0,"Net assets with donor restriction":0,"Unrestricted net assets":0,"Temporarily restricted net assets":0,"Permanently restricted net assets":0},"Ratings":{"Program Expense Ratio":{"score":0.0,"percentile":0.4421253816471043},"Fundraising Efficiency":{"score":null,"percentile":null},"Operating Margin":{"score":-0.6555897913749751,"percentile":0.05916751432078601},"Liabilities to Assets Ratio":{"score":0.24120036317374413,"percentile":0.22882222855859974},"Operating Reserve Ratio":{"score":2.1185216775750826,"percentile":0.6309865752782948},"Officer Compensation Ratio":{"score":0.1478772106948893,"percentile":0.4170595351413179},"Program Expense Growth":{"score":null,"percentile":null},"Revenue Growth":{"score":0.29250877671587594,"percentile":0.9435869525352542},"Asset Growth":{"score":0.39693219203329383,"percentile":0.9538284307032553},"Independent Voting Board Pct":{"score":1.0,"percentile":0.9933392423419786},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.5324525177634077,"percentile":0.40722900625812064}},"source_xml":"202140769349301229_public.xml"},{"Organization":{"value":null,"Person":["CHRISTOPHER MIGLIOZZI","GEORGE MOORE","KRISTEN MELLINGER","ANGIE HASTON","RODNEY SHOCKLEY","STEPHEN HILLIS","RUDY SCHLICH","ROBERT KEPPERLING"],"Title":["DIRECTOR","CHAIRPERSON","DIRECTOR","DIRECTOR","VICE-CHAIRPERSON","SECRETARY-TREASURER/EXECUTIVE DIRECTOR","DIRECTOR","DIRECTOR"],"Hours":[1.0,1.0,1.0,1.0,1.0,4.0,1.0,1.0],"Total Compensation":[0,0,0,0,0,82886,0,0],"Direct compensation":[0,0,0,0,0,24566,0,0],"Other compensation":[0,0,0,0,0,58320,0,0]},"Basic":{"value":null,"mission":"To assist high-risk motorists in obtaining auto insurance and distribute the risk to ky insurers.","year":2021,"name":"KENTUCKY AUTOMOBILE INSURANCE PLAN","phone":5023278909,"website":"WWW.KYINSPLANS.ORG","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"STEPHEN HILLIS","year_formation":1980,"state_legal_domicile":"KY","total_volunteers":0,"tax_period_begin":"2021-01-01T00:00:00","tax_period_end":"2021-12-31T00:00:00","address":"PO BOX 437249, LOUISVILLE, KY, 40243, USA","city":"LOUISVILLE","state":"KY","country":"USA","zip_code":40243},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":7,"Number of independent voting members":7,"Number of employees total":4,"Total Gross UBI":0,"Net unrelated business taxable income":0,"Number of employees":4,"Prohibited tax shelter transactions":true,"Taxable party notification":true,"Funds to pay premiums":false,"Premiums Paid":false,"Family or business relationship":true,"Delegation of management duties":true,"Conflict of interest policy":true,"Whistle blower policy":true,"Compensation process for CEO":true,"Compensation process for other employees":true,"Changes to organizing documents":true,"Material diversion or misuse":true,"Members or stockholders":true,"Election of board members":true,"Decisions subject to approval":true,"Minutes of governing body":true,"Local chapters":true,"Form 990 provided to governing body":true,"Document retention policy":true,"Investment in joint venture":true,"Independent audit financial statements":true,"Consolidated audit financial statements":true,"Accountant compile or review":true,"Political activities":true,"Donor advised funds":true,"Conservation easements":true,"Collections of art":true,"School":true,"Hospital":true,"Foreign activities":true,"Foreign office":true,"Gaming":true,"Fundraising activities":true,"Professional fundraising":true,"Loan to officer or DQP":true,"Grant to related person":true,"Business relationship through family member":true,"Business relationship with organization":true},"Revenues":{"value":232115,"Contributions":{"value":0,"Other contributions":0,"Contributions from gifts and grants":0,"Fundraising revenue":0,"Dues":0,"Campaigns":0,"Grant revenue":0,"Related organizations":0},"Program revenue":{"value":232080,"Total revenue":{"value":232080,"ASSESSMENTS":157738,"PREMIUMS":74342},"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":35,"Investment income total":35,"Net investment gain":0,"Income from invest bond proceeds":0},"Other revenues":{"value":0,"Other total":0,"Royalties revenue":0,"Net rental income":0,"Net income from fundraising events":0,"Net income from gaming":0,"Net income":0,"Gross profit from sales of inventory":0,"Gain from sale of assets":0}},"Expenses":{"value":92824,"Grant expense":{"value":0,"Grants to domestic orgs":0,"Grants to domestic individuals":0,"Grants and similar":0,"Foreign grants":0},"Total professional fundraising expense":{"value":0,"Fundraising professional":0,"Fees to independent contractors":0},"Benefits paid to members":{"value":0,"Benefits paid to members Total":0},"Salaries":{"value":89926,"Current officers":30398,"Disqualified persons":0,"Other salaries and wages":33796,"Pension plan contributions":3393,"Other employee benefits":18309,"Payroll taxes":4030},"Other expenses":{"value":2898,"Management services":0,"Legal":1565,"Accounting":12780,"Lobbying services":0,"Investment management fees":0,"Other services":27864,"Advertising":0,"Office expenses":1357,"Information technology":14859,"Royalties":0,"Occupancy":6400,"Travel":9774,"Conferences and meetings":0,"Interest":0,"Payments to affiliates":0,"Depreciation and depletion":0,"Insurance":2082,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":-73783,"MANAGEMENT FEES":19967,"MISCELLANEOUS":3639,"UNDERWRITING EXPENSES":-97389},"All other expenses":0},"Functional Expenses":{"value":null,"Program Service Expenses":0,"Management And General Expenses":0,"Fundraising Expenses":0}},"Assets":{"value":1414935,"Non-interest bearing cash":237514,"Savings and temp cash investments":601385,"Pledges and grants receivable":0,"Accounts receivable":474148,"Receivables from officers":0,"Receivables from disqual persons":0,"Other net note and loans":0,"Inventories for sale or use":0,"Prepaid expenses deferred charges":0,"Land, building, equipment":0,"Investments publicly traded":0,"Investments other":0,"Investments program related":0,"Intangible assets":0,"Other assets":101888},"Liabilities":{"value":167449,"Sum of Total Liabilities":0,"Accounts payable, accrued":28067,"Grants payable":0,"Deferred, revenue":0,"Tax exempt bond liabilities":0,"Escrow account liability":0,"Loans from officers, directors":0,"Secured mortgages and notes payable":0,"Unsecured notes loans payable":0,"Other liabilities":139382},"Fund balance":{"value":1247486,"Net assets without donor restriction":0,"Net assets with donor restriction":0,"Unrestricted net assets":0,"Temporarily restricted net assets":0,"Permanently restricted net assets":0},"Ratings":{"Program Expense Ratio":{"score":0.0,"percentile":0.4421253816471043},"Fundraising Efficiency":{"score":null,"percentile":null},"Operating Margin":{"score":0.6000947806044418,"percentile":0.942070390176329},"Liabilities to Assets Ratio":{"score":0.1183439521956839,"percentile":0.30866570637772783},"Operating Reserve Ratio":{"score":15.243202189089029,"percentile":0.9273512158518784},"Officer Compensation Ratio":{"score":0.8929371714211842,"percentile":0.017031110885366733},"Program Expense Growth":{"score":null,"percentile":null},"Revenue Growth":{"score":0.11628843148437558,"percentile":0.797288016773376},"Asset Growth":{"score":0.2640752154174419,"percentile":0.899486294120797},"Independent Voting Board Pct":{"score":1.0,"percentile":0.9933392423419786},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.6784817607572782,"percentile":0.8078767166435051}},"source_xml":"202200759349301200_public.xml"},{"Organization":{"value":null,"Person":["MATT BOUTEILLIER","CHRISTOPHER MIGLIOZZI","GEORGE MOORE","MIKE DONOVAN","ANNA ETHERINGTON","KRISTEN MELLINGER","ANGIE HASTON","HEATHER MCMAHON","RODNEY SHOCKLEY","STEPHEN HILLIS"],"Title":["DIRECTOR","DIRECTOR","CHAIRPERSON","DIRECTOR","DIRECTOR","DIRECTOR","DIRECTOR","DIRECTOR","VICE-CHAIRPERSON","SECRETARY-TREASURER/EXECUTIVE DIRECTOR"],"Hours":[1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,10.0],"Total Compensation":[0,0,0,0,0,0,0,0,0,103596],"Direct compensation":[0,0,0,0,0,0,0,0,0,55084],"Other compensation":[0,0,0,0,0,0,0,0,0,48512]},"Basic":{"value":null,"mission":"To assist high-risk motorists in obtaining auto insurance and distribute the risk to ky insurers.","year":2019,"name":"KENTUCKY AUTOMOBILE INSURANCE PLAN","phone":5023278909,"website":"WWW.KYINSPLANS.ORG","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"STEPHEN HILLIS","year_formation":1980,"state_legal_domicile":"KY","total_volunteers":0,"tax_period_begin":"2019-01-01T00:00:00","tax_period_end":"2019-12-31T00:00:00","address":"10605 SHELBYVILLE ROAD, LOUISVILLE, KY, 40223, USA","city":"LOUISVILLE","state":"KY","country":"USA","zip_code":40223},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":9,"Number of independent voting members":9,"Number of employees total":10,"Total Gross UBI":0,"Net unrelated business taxable income":0,"Number of employees":10,"Prohibited tax shelter transactions":true,"Taxable party notification":true,"Funds to pay premiums":false,"Premiums Paid":false,"Family or business relationship":true,"Delegation of management duties":true,"Conflict of interest policy":true,"Whistle blower policy":true,"Compensation process for CEO":true,"Compensation process for other employees":true,"Changes to organizing documents":true,"Material diversion or misuse":true,"Members or stockholders":true,"Election of board members":true,"Decisions subject to approval":true,"Minutes of governing body":true,"Local chapters":true,"Form 990 provided to governing body":true,"Document retention policy":true,"Investment in joint venture":true,"Independent audit financial statements":true,"Consolidated audit financial statements":true,"Accountant compile or review":true,"Political activities":true,"Donor advised funds":true,"Conservation easements":true,"Collections of art":true,"School":true,"Hospital":true,"Foreign activities":true,"Foreign office":true,"Gaming":true,"Fundraising activities":true,"Professional fundraising":true,"Loan to officer or DQP":true,"Grant to related person":true,"Business relationship through family member":true,"Business relationship with organization":true},"Revenues":{"value":361764,"Contributions":{"value":0,"Other contributions":0,"Contributions from gifts and grants":0,"Fundraising revenue":0,"Dues":0,"Campaigns":0,"Grant revenue":0,"Related organizations":0},"Program revenue":{"value":352121,"Total revenue":{"value":352121,"ASSESSMENTS":287842,"PREMIUMS":64279},"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":9578,"Investment income total":9578,"Net investment gain":0,"Income from invest bond proceeds":0},"Other revenues":{"value":65,"Other total":65,"Royalties revenue":0,"Net rental income":0,"Net income from fundraising events":0,"Net income from gaming":0,"Net income":0,"Gross profit from sales of inventory":0,"Gain from sale of assets":0}},"Expenses":{"value":346967,"Grant expense":{"value":0,"Grants to domestic orgs":0,"Grants to domestic individuals":0,"Grants and similar":0,"Foreign grants":0},"Total professional fundraising expense":{"value":0,"Fundraising professional":0,"Fees to independent contractors":0},"Benefits paid to members":{"value":0,"Benefits paid to members Total":0},"Salaries":{"value":113349,"Current officers":64787,"Disqualified persons":0,"Other salaries and wages":21083,"Pension plan contributions":7832,"Other employee benefits":14057,"Payroll taxes":5590},"Other expenses":{"value":233618,"Management services":0,"Legal":1542,"Accounting":7700,"Lobbying services":0,"Investment management fees":0,"Other services":26634,"Advertising":0,"Office expenses":7861,"Information technology":29151,"Royalties":0,"Occupancy":6806,"Travel":7097,"Conferences and meetings":0,"Interest":0,"Payments to affiliates":0,"Depreciation and depletion":0,"Insurance":2134,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":144693,"UNDERWRITING EXPENSES":115488,"MANAGEMENT FEES":23880,"MISCELLANEOUS":5325},"All other expenses":0},"Functional Expenses":{"value":null,"Program Service Expenses":0,"Management And General Expenses":0,"Fundraising Expenses":0}},"Assets":{"value":1507111,"Non-interest bearing cash":240626,"Savings and temp cash investments":933382,"Pledges and grants receivable":0,"Accounts receivable":175616,"Receivables from officers":0,"Receivables from disqual persons":0,"Other net note and loans":0,"Inventories for sale or use":0,"Prepaid expenses deferred charges":0,"Land, building, equipment":0,"Investments publicly traded":0,"Investments other":0,"Investments program related":0,"Intangible assets":0,"Other assets":157487},"Liabilities":{"value":125933,"Sum of Total Liabilities":0,"Accounts payable, accrued":32559,"Grants payable":0,"Deferred, revenue":0,"Tax exempt bond liabilities":0,"Escrow account liability":0,"Loans from officers, directors":0,"Secured mortgages and notes payable":0,"Unsecured notes loans payable":0,"Other liabilities":93374},"Fund balance":{"value":1381178,"Net assets without donor restriction":0,"Net assets with donor restriction":0,"Unrestricted net assets":0,"Temporarily restricted net assets":0,"Permanently restricted net assets":0},"Ratings":{"Program Expense Ratio":{"score":0.0,"percentile":0.4421253816471043},"Fundraising Efficiency":{"score":null,"percentile":null},"Operating Margin":{"score":0.040902356232239805,"percentile":0.5042149690248741},"Liabilities to Assets Ratio":{"score":0.08355920698608131,"percentile":0.34272994905224724},"Operating Reserve Ratio":{"score":4.343672452999853,"percentile":0.7831883900984165},"Officer Compensation Ratio":{"score":0.29857594526280595,"percentile":0.18837467467169253},"Program Expense Growth":{"score":null,"percentile":null},"Revenue Growth":{"score":0.288634050813686,"percentile":0.9423080638022134},"Asset Growth":{"score":0.5982186476651404,"percentile":0.9826327433318185},"Independent Voting Board Pct":{"score":1.0,"percentile":0.9933392423419786},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.6199103383641644,"percentile":0.6624638552686865}},"source_xml":"202000659349301025_public.xml"}],"Latest":{"Organization":{"value":null,"Person":["CHRISTOPHER MIGLIOZZI","GEORGE MOORE","KRISTEN MELLINGER","RAQUEL VEGA-GASKINS","BRAD ERDMAN","STEPHEN HILLIS","RUDY SCHLICH","BERT HACKENBERG"],"Title":["DIRECTOR","CHAIRPERSON","DIRECTOR","DIRECTOR","VICE-CHAIRPERSON","SECRETARY-TREASURER/PLAN MANAGER","DIRECTOR","DIRECTOR"],"Hours":[1.0,1.0,1.0,1.0,1.0,3.0,1.0,1.0],"Total Compensation":[0,0,0,0,0,91452,0,0],"Direct compensation":[0,0,0,0,0,0,0,0],"Other compensation":[0,0,0,0,0,91452,0,0]},"Basic":{"value":null,"mission":"To assist high-risk motorists in obtaining auto insurance and distribute the risk to ky insurers.","year":2025,"name":"KENTUCKY AUTOMOBILE INSURANCE PLAN","phone":5023278909,"website":"WWW.KYINSPLANS.ORG","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"STEPHEN HILLIS","year_formation":1980,"state_legal_domicile":"KY","total_volunteers":0,"tax_period_begin":"2025-01-01T00:00:00","tax_period_end":"2025-12-31T00:00:00","address":"PO BOX 437249, LOUISVILLE, KY, 40253, USA","city":"LOUISVILLE","state":"KY","country":"USA","zip_code":40253},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":7,"Number of independent voting members":7,"Number of employees total":0,"Total Gross UBI":0,"Net unrelated business taxable income":0,"Number of employees":0,"Prohibited tax shelter transactions":true,"Taxable party notification":true,"Funds to pay premiums":false,"Premiums Paid":false,"Family or business relationship":true,"Delegation of management duties":true,"Conflict of interest policy":true,"Whistle blower policy":true,"Compensation process for CEO":true,"Compensation process for other employees":true,"Changes to organizing documents":true,"Material diversion or misuse":true,"Members or stockholders":true,"Election of board members":true,"Decisions subject to approval":true,"Minutes of governing body":true,"Local chapters":true,"Form 990 provided to governing body":true,"Document retention policy":true,"Investment in joint venture":true,"Independent audit financial statements":true,"Consolidated audit financial statements":true,"Accountant compile or review":true,"Political activities":true,"Donor advised funds":true,"Conservation easements":true,"Collections of art":true,"School":true,"Hospital":true,"Foreign activities":true,"Foreign office":true,"Gaming":true,"Fundraising activities":true,"Professional fundraising":true,"Loan to officer or DQP":true,"Grant to related person":true,"Business relationship through family member":true,"Business relationship with organization":true},"Revenues":{"value":360194,"Contributions":{"value":0,"Other contributions":0,"Contributions from gifts and grants":0,"Fundraising revenue":0,"Dues":0,"Campaigns":0,"Grant revenue":0,"Related organizations":0},"Program revenue":{"value":330874,"Total revenue":{"value":330874,"ASSESSMENTS":289719,"PREMIUMS":41155},"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":26370,"Investment income total":26370,"Net investment gain":0,"Income from invest bond proceeds":0},"Other revenues":{"value":2950,"Other total":2950,"Royalties revenue":0,"Net rental income":0,"Net income from fundraising events":0,"Net income from gaming":0,"Net income":0,"Gross profit from sales of inventory":0,"Gain from sale of assets":0}},"Expenses":{"value":337011,"Grant expense":{"value":0,"Grants to domestic orgs":0,"Grants to domestic individuals":0,"Grants and similar":0,"Foreign grants":0},"Total professional fundraising expense":{"value":0,"Fundraising professional":0,"Fees to independent contractors":0},"Benefits paid to members":{"value":0,"Benefits paid to members Total":0},"Salaries":{"value":0,"Current officers":0,"Disqualified persons":0,"Other salaries and wages":0,"Pension plan contributions":0,"Other employee benefits":0,"Payroll taxes":0},"Other expenses":{"value":337011,"Management services":38409,"Legal":112,"Accounting":15750,"Lobbying services":0,"Investment management fees":0,"Other services":161578,"Advertising":0,"Office expenses":1742,"Information technology":5263,"Royalties":0,"Occupancy":6400,"Travel":0,"Conferences and meetings":0,"Interest":0,"Payments to affiliates":0,"Depreciation and depletion":0,"Insurance":2036,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":105721,"ASSESSMENT REAPPORTIONM":80965,"UNDERWRITING EXPENSES":22443,"MISCELLANEOUS":2313},"All other expenses":0},"Functional Expenses":{"value":null,"Program Service Expenses":0,"Management And General Expenses":0,"Fundraising Expenses":0}},"Assets":{"value":1030129,"Non-interest bearing cash":41125,"Savings and temp cash investments":713541,"Pledges and grants receivable":0,"Accounts receivable":10437,"Receivables from officers":0,"Receivables from disqual persons":0,"Other net note and loans":0,"Inventories for sale or use":0,"Prepaid expenses deferred charges":0,"Land, building, equipment":0,"Investments publicly traded":0,"Investments other":0,"Investments program related":0,"Intangible assets":0,"Other assets":265026},"Liabilities":{"value":77533,"Sum of Total Liabilities":0,"Accounts payable, accrued":25166,"Grants payable":0,"Deferred, revenue":0,"Tax exempt bond liabilities":0,"Escrow account liability":0,"Loans from officers, directors":0,"Secured mortgages and notes payable":0,"Unsecured notes loans payable":0,"Other liabilities":52367},"Fund balance":{"value":952596,"Net assets without donor restriction":0,"Net assets with donor restriction":0,"Unrestricted net assets":0,"Temporarily restricted net assets":0,"Permanently restricted net assets":0},"Ratings":{"Program Expense Ratio":{"score":0.0,"percentile":0.4421253816471043},"Fundraising Efficiency":{"score":null,"percentile":null},"Operating Margin":{"score":0.06436253796565185,"percentile":0.5558415376265698},"Liabilities to Assets Ratio":{"score":0.07526533084691335,"percentile":0.3524792988907516},"Operating Reserve Ratio":{"score":3.0566628388984336,"percentile":0.7163485177311859},"Officer Compensation Ratio":{"score":0.2713620623659168,"percentile":0.21605755569957613},"Program Expense Growth":{"score":null,"percentile":null},"Revenue Growth":{"score":0.06089633273944498,"percentile":0.6494089479096412},"Asset Growth":{"score":0.047073463391280615,"percentile":0.5154331847325367},"Independent Voting Board Pct":{"score":1.0,"percentile":0.9933392423419786},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.5692624583814674,"percentile":0.5146187802014366}},"source_xml":"202620629349300837_public.xml"},"sector":"","donation_categories":[],"zakat_policy":null},"error":null}