Alliance Member Services Inc
Nonprofit profile at a glance
- EIN
- 061555318
- IRS 990 coverage
- 2010–2024
- Forms available
- Form 990 2024
- Location
- Santa Cruz, CA, USA
- Phone
- 8314590980
- Rating
- 85
- Verdict
- STRONG
- Rating confidence
- Moderate
- Sector
- Real Estate Associations
Reported finances
- Revenue
- $38,486,764
- Expenses
- $37,778,229
- Assets
- $250,802,939
- Liabilities
- $250,094,404
Source: IRS Form 990. Selected filing: tax year 2024. Amounts in USD.
Leadership & pay
23 people listed
Executive titles in this filing
- PAMELA DAVIS (CEO, PRESIDENT)
Highest reported compensation
- PAMELA DAVIS (CEO, PRESIDENT): $524,492 total reported compensation
- CHRIS REED (CHIEF RISK OFFICER & GENERAL COUNSEL): $401,161 total reported compensation
- DAVID GIBSON (CHIEF CLAIMS OFFICER): $385,562 total reported compensation
Source: IRS Form 990. Selected filing: tax year 2024. Names and roles reflect this filing, not necessarily current officeholders.
Overview
Mission
Alliance member services, inc. ("ams") is a supporting organization for the following charitable risk pools: nonprofits insurance alliance of California (niac), alliance of nonprofits for insurance risk retention group (ani), and national alliance of nonprofits for insurance (nani). Ams provides all staff and manages all other business relationships to provide excellent products and services to the members of the supported organizations at its cost. Services include underwriting, policy issuance and servicing, claims handling, loss control services, marketing, accounting, investment management, reinsurance placement and all other administrative and management services as required.
What it reported doing in 2024
Provided management and operational services to affiliates including policy services, claims management, member services, reinsurance negotiations, marketing, accounting and financial management, and general and administrative management.
Operating model
- Revenue model
- Earned-program. 97% of the money available for current operations came from fees and other program revenue.
- Distribution model
- Direct operator. The filing allocates 100% of reported program-service expenses outside its grant, affiliate-payment, and member-benefit lines. This expense classification does not rule out separately announced grant awards.
The verdict
STRONG - A large share of available resources goes toward mission work and the filed numbers largely add up. Expenses are high relative to revenue and liabilities are high compared with assets.
Rating breakdown
- Financial Efficiency: 85
- Transparency & Controls: 82
- Accountability: 93
- Sustainability: 48
- Growth: 100
Detailed rating inputs
Financial Efficiency
- Mission deployment rate: 94.6%; rating input score 95
- Program expense ratio: 97.7%; rating input score 98
- Fundraising efficiency: Limited
Transparency & Controls
- Consistency checks: 100%; rating input score 100; 62nd percentile among comparable filings
- Pay-setting controls: 3 of 6 controls in place; rating input score 50
- Compensation committee: Pass
- Independent consultant: Missing
- Other Form 990s reviewed: Missing
- Written employment contract: Missing
- Compensation survey or study: Pass
- Board or committee approval: Pass
- Foreign activity oversight: Limited
- Grant itemization coverage: Limited
- Major donor itemization: Limited
- Related-party transparency: Limited
Accountability
- Independent voting board: 87.5%; rating input score 88; 20th percentile among comparable filings
- Governance controls: 9 of 9 controls in place; rating input score 100
- Conflict-of-interest policy: Pass
- Whistleblower policy: Pass
- Document-retention policy: Pass
- CEO compensation review process: Pass
- Other executive compensation review process: Pass
- Form 990 shared with the board: Pass
- Board meeting minutes documented: Pass
- Audit committee oversight: Pass
- Independent financial-statement audit: Pass
Sustainability
- Operating margin: 1.8%; rating input score 42; 42nd percentile among comparable filings
- Total-asset coverage ratio: 6.64; rating input score 88; 88th percentile among comparable filings
- Liabilities to assets ratio: 1; rating input score 6; 6th percentile among comparable filings
- Officer compensation ratio: 11.5%; rating input score 15; 15th percentile among comparable filings
Growth
- Program expense growth: 11.6% per year; rating input score 100; 76th percentile among comparable filings
- Revenue growth: 10.7% per year; rating input score 100; 76th percentile among comparable filings
- Asset growth: 13.8% per year; rating input score 100; 78th percentile among comparable filings
Details
- Where the money goes: 94.6% of revenue deployed · 97.7% of spending went to programs
- Governance: 7 of 8 board members independent · 9 of 9 filing controls reported
- Programs: 1 filed program accomplishment · $36.9M in reported program spending
- Leadership: top reported pay $524K · 23 people listed · 3 of 6 pay-setting controls reported
- Highest-paid contractors: 5 contractors listed · $5.8M reported
- Consistency: 30 of 30 current checks pass
- Schedules: 5 filed schedules · includes executive pay
- Filing history: 14 filing years from 2010 to 2024
- Contacts: How to reach this organization
- Money network: 14 filed money-flow records
- Related organizations: 4 filed related-organization links
- Grant readiness: Federal tax and exclusion status, award history, and grant-maker relationships.
- People: Everyone the filings name, and which of them the filings identify by more than a name.
- Staff and benefit plans: Retirement and health plans the organization files with the Department of Labor, and the people in them.
Key Signals
Signals prioritize questions for review. They are not findings of misconduct.
- Moderate — Sustainability: Operating margin scored 42/100.
- High — Sustainability: Liabilities to assets ratio scored 6/100.
- High — Sustainability: Officer compensation ratio scored 15/100.