NonProfits United

Legal name: Nonprofits United Workers Comp Group

Nonprofit profile at a glance

EIN
680590352
IRS 990 coverage
2010–2025
Official website data refreshed
Aug 2026
Forms available
Form 990 2025
Location
Sacramento, CA, US
Phone
(800) 442-4742
Rating
71
Verdict
SUPPORTED
Rating confidence
Moderate
Sector
Mutual/Membership Benefit N.E.C.

Official website

Reported finances

Revenue
$29,276,148
Expenses
$25,537,217
Assets
$107,092,730
Liabilities
$49,938,700

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

Leadership & pay

11 people listed

Executive titles in this filing

  • DAN BERRY (EXECUTIVE DIRECTOR)
  • JEFF EINHORN (EXECUTIVE DIRECTOR)

Highest reported compensation

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

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What it reported doing in 2025

Provision of workers compensation insurance 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. 84% of the money available for current operations came from fees and other program revenue.
Distribution model
Member-benefit provider. The nonprofit used 71% of its reported program spending 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 liabilities are high compared with assets.

Rating breakdown

  • Financial Efficiency: 70
  • Transparency & Controls: 66
  • Accountability: 77
  • Sustainability: 55
  • Growth: 100

Detailed rating inputs

Financial Efficiency

  • Mission deployment rate: 70.5%; rating input score 70
  • Program expense ratio: 91.6%; rating input score 92
  • 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: 12.8%; rating input score 64; 64th percentile among comparable filings
  • Total-asset coverage ratio: 4.19; rating input score 75; 75th percentile among comparable filings
  • Liabilities to assets ratio: 0.47; rating input score 28; 28th percentile among comparable filings
  • Officer compensation ratio: Limited

Growth

  • Program expense growth: 0.8% per year; rating input score 100; 12th percentile among comparable filings
  • Revenue growth: 4.4% per year; rating input score 100; 36th percentile among comparable filings
  • Asset growth: 10.6% per year; rating input score 100; 69th percentile among comparable filings

Details

  • What they do: 2 programs and campaigns described on the official site · 1 operating location identified
  • Where the money goes: 70.5% of revenue deployed · 91.6% of spending went to programs
  • Governance: 8 of 8 board members independent · 4 of 9 filing controls reported
  • Programs: 1 filed program accomplishment · $23.4M in reported program spending
  • Leadership: top reported pay $231K · 11 people listed · 1 of 6 pay-setting controls reported
  • Highest-paid contractors: 2 contractors listed · $1.9M reported
  • Consistency: 17 of 17 current checks pass
  • Schedules: 5 filed schedules · includes executive pay
  • Filing history: 16 filing years from 2010 to 2025
  • Contacts: How to reach this organization
  • Related organizations: Filed and resolved organization relationships.
  • 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.

Key Signals

Signals prioritize questions for review. They are not findings of misconduct.

  • Moderate — Accountability: Governance controls: 5 of 9 not reported.
  • High — Sustainability: Liabilities to assets ratio scored 28/100.