Nonprofits United

Nonprofit profile at a glance

EIN
680152946
IRS 990 coverage
2022–2025
Forms available
Form 990 2025
Location
Sacramento, CA, USA
Phone
9169939494
Rating
73
Verdict
SUPPORTED
Rating confidence
Moderate
Sector
Business and Industry

Reported finances

Revenue
$11,574,060
Expenses
$12,686,649
Assets
$23,236,312
Liabilities
$15,296,025

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

Leadership & pay

11 people listed

Executive titles in this filing

  • DAN BERRY (CHIEF EXECUTIVE OFFICER)
  • JEFF EINHORN (CHIEF EXECUTIVE OFFICER)
  • MARK SHAFFER (President)

Highest reported compensation

  • ABHAI CHAND (CFO): $230,884 total reported compensation
  • DAN BERRY (CHIEF EXECUTIVE OFFICER): $210,383 total reported compensation
  • JEFF EINHORN (CHIEF EXECUTIVE OFFICER): $182,505 total reported compensation

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

Overview

Mission

Non-profits united vehicle insurance pool purpose is to help non-profits work together to prevent accidents and injuries, control losses, and lower insurance costs.

What it reported doing in 2025

Provision of vehicle insurance pool coverage and low-cost risk sharing by pooling of the members to pay losses and purchase catastrophic insurance coverage. Set up guidelines for risk management program to help members mitigate exposure and establish safer working environments.

Operating model

Revenue model
Earned-program. 96% of the money available for current operations came from fees and other program revenue.
Distribution model
Hybrid. The nonprofit split its reported program spending across 74% for direct work, and 26% for member benefits.

The verdict

SUPPORTED - A large share of available resources goes toward mission work and the filed numbers largely add up. Some filing-based governance responses are negative or unanswered and expenses are high relative to revenue.

Rating breakdown

  • Financial Efficiency: 78
  • Transparency & Controls: 66
  • Accountability: 77
  • Sustainability: 27
  • Growth: 100

Detailed rating inputs

Financial Efficiency

  • Mission deployment rate: 89.6%; rating input score 90
  • Program expense ratio: 84.4%; rating input score 84
  • Fundraising efficiency: Limited

Transparency & Controls

  • Consistency checks: 100%; rating input score 100; 64th percentile among comparable filings
  • Pay-setting controls: 1 of 6 controls in place; rating input score 17
    • Compensation committee: Missing
    • 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: 100%; rating input score 100; 64th percentile among comparable filings
  • Governance controls: 4 of 9 controls in place; rating input score 44
    • Conflict-of-interest policy: Pass
    • Whistleblower policy: Fail
    • Document-retention policy: Fail
    • CEO compensation review process: Fail
    • Other executive compensation review process: Fail
    • Form 990 shared with the board: Fail
    • Board meeting minutes documented: Pass
    • Audit committee oversight: Pass
    • Independent financial-statement audit: Pass

Sustainability

  • Operating margin: -9.6%; rating input score 7; 7th percentile among comparable filings
  • Total-asset coverage ratio: 1.83; rating input score 49; 49th percentile among comparable filings
  • Liabilities to assets ratio: 0.66; rating input score 16; 16th percentile among comparable filings
  • Officer compensation ratio: 4.9%; rating input score 59; 59th percentile among comparable filings

Growth

  • Program expense growth: 35.9% per year; rating input score 100; 96th percentile among comparable filings
  • Revenue growth: 22.5% per year; rating input score 100; 93rd percentile among comparable filings
  • Asset growth: 8.4% per year; rating input score 100; 59th percentile among comparable filings

Details

  • Where the money goes: 89.6% of revenue deployed · 84.4% of spending went to programs
  • Governance: 8 of 8 board members independent · 4 of 9 filing controls reported
  • Programs: 1 filed program accomplishment · $10.7M in reported program spending
  • Leadership: top reported pay $231K · 11 people listed · 1 of 6 pay-setting controls reported
  • Consistency: 28 of 28 current checks pass
  • Schedules: 5 filed schedules · includes executive pay
  • Filing history: 4 filing years from 2022 to 2025
  • Contacts: How to reach this organization
  • Money network: 3 filed money-flow records
  • Related organizations: 1 filed related-organization link
  • 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 — Accountability: Governance controls: 5 of 9 not reported.
  • High — Sustainability: Operating margin scored 7/100.
  • Moderate — Sustainability: Total-asset coverage ratio scored 49/100.
  • High — Sustainability: Liabilities to assets ratio scored 16/100.
  • Review — Sustainability: Officer compensation ratio scored 59/100.