Mso Inc

Nonprofit profile at a glance

EIN
521755454
IRS 990 coverage
2010–2025
Forms available
Form 990 2025
Location
Glen Rock, NJ, USA
Phone
2014476900
Rating confidence
Limited

Official website

Reported finances

Revenue
$4,328,412
Expenses
$3,366,990
Assets
$3,377,940
Liabilities
$192,230

Source: IRS Form 990. Selected filing: tax year 2025. Amounts in USD.

Leadership & pay

16 people listed

Executive titles in this filing

  • JANICE SCITES (PRESIDENT & CEO)
  • JAN KOZLOWSKI (SR VICE PRESIDENT)
  • RICHARD PELKOFSKY (ASSISTANT VICE PRESIDENT)
  • DEBRA KLINE (ASSISTANT VICE PRESIDENT,OPERATIONS)
  • LEOPOLD BLACK (VICE PRESIDENT, ACTUARIAL SERVICES)
  • MARY BEEGLE (VICE PRESIDENT, NATIONAL PROGRAMS)

Highest reported compensation

  • JANICE SCITES (PRESIDENT & CEO): $321,194 total reported compensation
  • SUE QUIMBY (SR. VICE PRESIDENT, MEDIA EDITOR): $152,154 total reported compensation
  • LEOPOLD BLACK (VICE PRESIDENT, ACTUARIAL SERVICES): $144,833 total reported compensation

Source: IRS Form 990. Selected filing: tax year 2025. Names and roles reflect this filing, not necessarily current officeholders.

Overview

Mission

The organization provides its member companies with a high level of value and individual services. Its mission is to fulfill to its member insurance companies a desired level of customized service. The organization is licensed to provide premium insurance rating, inspection, and other insurance related services for subscribing property and liability insurance companies in all states and Washington, dc. Fees for such services, which are generally based upon premiums written by the insurance companies, are billed quarterly and are recognized as income over the assessment period. In addition, the organization provides educational services to the property and casualty industry for the continued education of insureds, agents/brokers, and insurance carriers and their staffs.

What it reported doing in 2025

The organization provided its 31 members with a variety of insurance related services including: -providing rating, statistical, actuarial, policy forms and related services; -statistical information pertaining to risks; -to work for the betterment of the insurance industry and behalf of its members.

Operating model

Revenue model
Earned-program. 99% of the money available for current operations came from fees and other program revenue.
Distribution model
Cannot be determined from the filing. The filing does not provide enough consistent spending detail to tell whether the nonprofit works directly or through others.

The verdict

- The available evidence is not sufficient to produce an overall rating for this filing. This is not a warning sign.

Rating breakdown

  • Financial Efficiency: NotEnoughData
  • Transparency & Controls: 71
  • Accountability: 94
  • Sustainability: 53
  • Growth: 60

Detailed rating inputs

Financial Efficiency

  • Mission deployment rate: Limited
  • Program expense ratio: Limited
  • Fundraising efficiency: Limited

Transparency & Controls

  • Consistency checks: 100%; rating input score 100; 63rd percentile among comparable filings
  • Pay-setting controls: 2 of 6 controls in place; rating input score 33
    • Compensation committee: Pass
    • Independent consultant: Missing
    • Other Form 990s reviewed: Missing
    • Written employment contract: Missing
    • Compensation survey or study: Missing
    • 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: 88.9%; rating input score 89; 21st 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: 22.2%; rating input score 75; 75th percentile among comparable filings
  • Total-asset coverage ratio: 1; rating input score 34; 34th percentile among comparable filings
  • Liabilities to assets ratio: 0.06; rating input score 58; 58th percentile among comparable filings
  • Officer compensation ratio: 38.2%; rating input score 4; 4th percentile among comparable filings

Growth

  • Program expense growth: Limited
  • Revenue growth: 2.3% per year; rating input score 100; 18th percentile among comparable filings
  • Asset growth: 1.5% per year; rating input score 100; 15th percentile among comparable filings

Details

  • Where the money goes: Financial trends and filed revenue, expense, asset, and liability detail
  • Governance: 8 of 9 board members independent · 9 of 9 filing controls reported
  • Programs: 1 filed program accomplishment
  • Leadership: top reported pay $321K · 16 people listed · 2 of 6 pay-setting controls reported
  • Consistency: 13 of 13 current checks pass
  • Schedules: 3 filed schedules · includes executive pay
  • Filing history: 16 filing years from 2010 to 2025
  • Contacts: How to reach this organization
  • Money network: 16 filed money-flow records
  • 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: Total-asset coverage ratio scored 34/100.
  • High — Sustainability: Officer compensation ratio scored 4/100.
  • Review — Sustainability: Liabilities to assets ratio scored 58/100.