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Joint Insurance Association

  • Ellicott City, MD
  • Tax-exempt since Aug. 1974
  • EIN: 52-0983562

Organization summary

Type of Nonprofit

Designated as a Business leagues, chambers of commerce, real estate boards, etc, created for the improvement of business conditions.

Donations to this organization are not tax deductible.

Summary charts: organization finances over time

Revenue
$802k (2023)

Expenses
$1.42M (2023)

Total Assets
$1.84M (2023)

Total Liabilities
$1.5M (2023)

Source: Form 990 tax filings from 2011 to 2023

Tax Filings by Year

Form 990 is an information return that most organizations claiming federal tax-exempt status must file yearly with the IRS. Nonprofit Explorer has IRS digitized Form 990 data for filings processed in 2012 and later. If this organization filed an amended return, it may not be reflected below. Duplicate download links may indicate a resubmission or amendment to this organization's original return. Form 990 data is from the IRS.

Fiscal Year Ending Sept.
2023

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$801,886
Expenses
$1,424,962
Net Income
-$623,076
Net Assets
$341,193
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $629,354
78.5%
Investment Income $0
Bond Proceeds $0
Royalties $0
Rental Property Income $0
Net Fundraising $0
Sales of Assets $0
Net Inventory Sales $0
Other Revenue $172,532
21.5%
Notable Expenses Percent of Total Expenses
Executive Compensation $199,741
14.0%
Professional Fundraising Fees $0
Other Salaries and Wages $274,853
19.3%
Assets/Debt
Total Assets $1,837,151
Total Liabilities $1,495,958
Net Assets $341,193
Compensation
Key Employees and Officers Compensation Related Other
Christopher Dooley (General Manager & Secretar) $199,741 $0 $17,977
Todd Rush (Governing Committee) $0 $0 $0
Patrick Mcdonough (Governing Committee) $0 $0 $0
Frank Folger (Governing Committee) $0 $0 $0
Steven Linkous (Governing Committee) $0 $0 $0
Michael Hernandez (Governing Committee) $0 $0 $0
George Dioguardo (Governing Committee) $0 $0 $0
Michael Pfarr (Governing Committee) $0 $0 $0
James Mulholland (Chairman) $0 $0 $0
Bill Lingenfelter (Vice Chairmain) $0 $0 $0
+ View more people

Document Links

990
Filed on Feb. 16, 2024

Primary tax return for a nonprofit’s activities, finances, and governance

View Filing
PDF XML

Fiscal Year Ending Sept.
2022

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$770,233
Expenses
$1,546,098
Net Income
-$775,865
Net Assets
$855,609
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $643,423
83.5%
Investment Income $0
Bond Proceeds $0
Royalties $0
Rental Property Income $0
Net Fundraising $0
Sales of Assets $0
Net Inventory Sales $0
Other Revenue $126,810
16.5%
Notable Expenses Percent of Total Expenses
Executive Compensation $192,345
12.4%
Professional Fundraising Fees $0
Other Salaries and Wages $268,940
17.4%
Assets/Debt
Total Assets $2,641,203
Total Liabilities $1,785,594
Net Assets $855,609
Compensation
Key Employees and Officers Compensation Related Other
Christopher Dooley (General Manager & Secretar) $192,345 $0 $17,311
Todd Rush (Governing Committee) $0 $0 $0
Matthew Epstein (Governing Committee) $0 $0 $0
Frank Folger (Governing Committee) $0 $0 $0
Steven Linkous (Governing Committee) $0 $0 $0
Michael Hernandez (Governing Committee) $0 $0 $0
George Dioguardo (Governing Committee) $0 $0 $0
Michael Pfarr (Governing Committee) $0 $0 $0
James Mulholland (Chairman) $0 $0 $0
Bill Lingenfelter (Vice Chairmain) $0 $0 $0
+ View more people

Document Links

990
Filed on March 8, 2023

Primary tax return for a nonprofit’s activities, finances, and governance

View Filing
XML

Fiscal Year Ending Sept.
2021

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$845,957
Expenses
$1,493,559
Net Income
-$647,602
Net Assets
-$474,982
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $729,364
86.2%
Investment Income $0
Bond Proceeds $0
Royalties $0
Rental Property Income $0
Net Fundraising $0
Sales of Assets $0
Net Inventory Sales $0
Other Revenue $116,593
13.8%
Notable Expenses Percent of Total Expenses
Executive Compensation $188,198
12.6%
Professional Fundraising Fees $0
Other Salaries and Wages $264,344
17.7%
Assets/Debt
Total Assets $1,626,730
Total Liabilities $2,101,712
Net Assets -$474,982
Compensation
Key Employees and Officers Compensation Related Other
Christopher Dooley (General Manager & Secretar) $188,198 $0 $16,933
Todd Rush (Governing Committee) $0 $0 $0
Bill Lingenfelter (Governing Committee) $0 $0 $0
Robert Becker (Governing Committee) $0 $0 $0
Steven Linkous (Governing Committee) $0 $0 $0
Anna Etherington (Governing Committee) $0 $0 $0
George Dioguardo (Governing Committee) $0 $0 $0
Michael Pfarr (Governing Committee) $0 $0 $0
James Mulholland (Chairman) $0 $0 $0
Stavroula Alachnowicz (Vice Chairmain) $0 $0 $0
+ View more people

Document Links

990
Filed on March 15, 2022

Primary tax return for a nonprofit’s activities, finances, and governance

View Filing
XML

Fiscal Year Ending Sept.
2020

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$920,301
Expenses
$1,534,526
Net Income
-$614,225
Net Assets
-$574,872
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $781,024
84.9%
Investment Income $0
Bond Proceeds $0
Royalties $0
Rental Property Income $0
Net Fundraising $0
Sales of Assets $0
Net Inventory Sales $0
Other Revenue $139,277
15.1%
Notable Expenses Percent of Total Expenses
Executive Compensation $170,529
11.1%
Professional Fundraising Fees $0
Other Salaries and Wages $282,939
18.4%
Assets/Debt
Total Assets $2,257,661
Total Liabilities $2,832,533
Net Assets -$574,872
Compensation
Key Employees and Officers Compensation Related Other
Christopher Dooley (General Manager & Secretar) $170,529 $0 $15,161
Todd Rush (Governing Committee) $0 $0 $0
Bill Lingenfelter (Governing Committee) $0 $0 $0
Robert Becker (Governing Committee) $0 $0 $0
Steven Linkous (Governing Committee) $0 $0 $0
Anna Etherington (Governing Committee) $0 $0 $0
George Dioguardo (Governing Committee) $0 $0 $0
Michael Pfarr (Governing Committee) $0 $0 $0
James Mulholland (Chairman) $0 $0 $0
Stavroula Alachnowicz (Vice Chairmain) $0 $0 $0
+ View more people

Document Links

990
Filed on Aug. 3, 2021

Primary tax return for a nonprofit’s activities, finances, and governance

View Filing
XML

Fiscal Year Ending Sept.
2019

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$968,644
Expenses
$1,477,750
Net Income
-$509,106
Net Assets
$217,639
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $852,061
88.0%
Investment Income $0
Bond Proceeds $0
Royalties $0
Rental Property Income $0
Net Fundraising $0
Sales of Assets $0
Net Inventory Sales $0
Other Revenue $116,583
12.0%
Notable Expenses Percent of Total Expenses
Executive Compensation $170,984
11.6%
Professional Fundraising Fees $0
Other Salaries and Wages $275,726
18.7%
Assets/Debt
Total Assets $2,873,972
Total Liabilities $2,656,333
Net Assets $217,639
Compensation
Key Employees and Officers Compensation Related Other
Christopher Dooley (General Manager & Secretary) $170,984 $0 $13,679
Todd Rush (Governing Committee) $0 $0 $0
Bill Lingenfelter (Governing Committee) $0 $0 $0
Robert Becker (Governing Committee) $0 $0 $0
Steven Linkous (Governing Committee) $0 $0 $0
Anna Etherington (Governing Committee) $0 $0 $0
George Dioguardo (Governing Committee) $0 $0 $0
Michael Pfarr (Governing Committee) $0 $0 $0
James Mulholland (Chairman) $0 $0 $0
Stavroula Alachnowicz (Vice Chairmain) $0 $0 $0
+ View more people

Document Links

990
Filed on Aug. 4, 2020

Primary tax return for a nonprofit’s activities, finances, and governance

View Filing
PDF XML

Fiscal Year Ending Sept.
2018

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$1,094,792
Expenses
$1,651,582
Net Income
-$556,790
Net Assets
-$493,192
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $984,749
89.9%
Investment Income $0
Bond Proceeds $0
Royalties $0
Rental Property Income $0
Net Fundraising $0
Sales of Assets $0
Net Inventory Sales $0
Other Revenue $110,043
10.1%
Notable Expenses Percent of Total Expenses
Executive Compensation $164,424
10.0%
Professional Fundraising Fees $0
Other Salaries and Wages $208,686
12.6%
Assets/Debt
Total Assets $1,681,944
Total Liabilities $2,175,136
Net Assets -$493,192
Compensation
Key Employees and Officers Compensation Related Other
Christopher Dooley (General Manager & Secretar) $164,424 $0 $12,621
Todd Rush (Governing Committee Member) $0 $0 $0
Robert J Becker (Governing Committee Member) $0 $0 $0
Amy Archer (Governing Committee Member) $0 $0 $0
Frank Hiser (Governing Committee Member) $0 $0 $0
Joe Evelius (Governing Committee Member) $0 $0 $0
Steven Linkous (Governing Committee Member) $0 $0 $0
Stavroula Alachnowicz (Governing Committee Member) $0 $0 $0
James M Mulholland (Acting Chair) $0 $0 $0
Paulo Abelli (Governing Committee Member) $0 $0 $0
+ View more people

Document Links

990
Filed on Feb. 13, 2019

Primary tax return for a nonprofit’s activities, finances, and governance

View Filing
PDF XML

Fiscal Year Ending Sept.
2017

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$1,245,069
Expenses
$1,913,715
Net Income
-$668,646
Net Assets
-$209,890
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $1,060,171
85.1%
Investment Income $0
Bond Proceeds $0
Royalties $0
Rental Property Income $0
Net Fundraising $0
Sales of Assets $0
Net Inventory Sales $0
Other Revenue $184,898
14.9%
Notable Expenses Percent of Total Expenses
Executive Compensation $155,083
8.1%
Professional Fundraising Fees $0
Other Salaries and Wages $176,891
9.2%
Assets/Debt
Total Assets $2,421,043
Total Liabilities $2,630,933
Net Assets -$209,890
Compensation
Key Employees and Officers Compensation Related Other
Christopher Dooley (General Manager & Secretar) $155,083 $0 $10,623
Todd Rush (Governing Committee Member) $0 $0 $0
Robert J Becker (Governing Committee Member) $0 $0 $0
Amy Archer (Governing Committee Member) $0 $0 $0
Frank Hiser (Governing Committee Member) $0 $0 $0
Charles H Flickinger (Chair) $0 $0 $0
Steven Linkous (Governing Committee Member) $0 $0 $0
Stavroula Alachnowicz (Governing Committee Member) $0 $0 $0
James M Mulholland (Vice Chair) $0 $0 $0
Paulo Abelli (Governing Committee Member) $0 $0 $0
+ View more people

Document Links

990
Filed on June 28, 2018

Primary tax return for a nonprofit’s activities, finances, and governance

View Filing
PDF XML

Fiscal Year Ending Sept.
2016

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$1,343,565
Expenses
$1,794,944
Net Income
-$451,379
Net Assets
-$66,271
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $1,199,442
89.3%
Investment Income $0
Bond Proceeds $0
Royalties $0
Rental Property Income $0
Net Fundraising $0
Sales of Assets $0
Net Inventory Sales $0
Other Revenue $144,123
10.7%
Notable Expenses Percent of Total Expenses
Executive Compensation $148,446
8.3%
Professional Fundraising Fees $0
Other Salaries and Wages $193,115
10.8%
Assets/Debt
Total Assets $3,198,330
Total Liabilities $3,264,601
Net Assets -$66,271
Compensation
Key Employees and Officers Compensation Related Other
Christopher Dooley (General Manager & Secretar) $148,446 $0 $8,005
Darnelle L Phillips (Governing Committee Member) $0 $0 $0
Robert J Becker (Governing Committee Member) $0 $0 $0
Amy Archer (Governing Committee Member) $0 $0 $0
Frank Hiser (Governing Committee Member) $0 $0 $0
Charles H Flickinger (Chair) $0 $0 $0
Michael Foster (Governing Committee Member) $0 $0 $0
Stavroula Alachnowicz (Governing Committee Member) $0 $0 $0
James M Mulholland (Governing Committee Member) $0 $0 $0
Robert F Ohler (Vice Chair) $0 $0 $0
+ View more people

Document Links

990
Filed on May 10, 2017

Primary tax return for a nonprofit’s activities, finances, and governance

View Filing
PDF XML

Fiscal Year Ending Sept.
2015

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$1,443,437
Expenses
$1,778,194
Net Income
-$334,757
Net Assets
$338,568
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $1,301,578
90.2%
Investment Income $0
Bond Proceeds $0
Royalties $0
Rental Property Income $0
Net Fundraising $0
Sales of Assets $0
Net Inventory Sales $0
Other Revenue $141,859
9.8%
Notable Expenses Percent of Total Expenses
Executive Compensation $141,890
8.0%
Professional Fundraising Fees $0
Other Salaries and Wages $241,431
13.6%
Assets/Debt
Total Assets $3,496,836
Total Liabilities $3,158,268
Net Assets $338,568
Compensation
Key Employees and Officers Compensation Related Other
Christopher Dooley (General Manager & Secretar) $141,890 $0 $8,004
Darnelle L Phillips (Governing Committee Member) $0 $0 $0
Robert J Becker (Governing Committee Member) $0 $0 $0
Amy Archer (Governing Committee Member) $0 $0 $0
Frank Hiser (Governing Committee Member) $0 $0 $0
Charles H Flickinger (Governing Committee Member) $0 $0 $0
Michael Foster (Governing Committee Member) $0 $0 $0
Stavroula Alachnowicz (Governing Committee Member) $0 $0 $0
James M Mulholland (Vice Chair) $0 $0 $0
Robert F Ohler (Chair) $0 $0 $0
+ View more people

Document Links

990
Filed on Feb. 11, 2016

Primary tax return for a nonprofit’s activities, finances, and governance

View Filing
PDF XML
PDF (2 of 2)

Fiscal Year Ending Sept.
2014

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$1,535,375
Expenses
$1,667,558
Net Income
-$132,183
Net Assets
-$1,103,214
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $1,385,546
90.2%
Investment Income $0
Bond Proceeds $0
Royalties $0
Rental Property Income $0
Net Fundraising $0
Sales of Assets $0
Net Inventory Sales $0
Other Revenue $149,829
9.8%
Notable Expenses Percent of Total Expenses
Executive Compensation $140,079
8.4%
Professional Fundraising Fees $0
Other Salaries and Wages $232,411
13.9%
Assets/Debt
Total Assets $1,907,724
Total Liabilities $3,010,938
Net Assets -$1,103,214
Compensation
Key Employees and Officers Compensation Related Other
Christopher Dooley (General Manager & Secretary) $140,079 $0 $8,345
Darnelle L Phillips (Governing Committee Member) $0 $0 $0
David Bonenfant (Governing Committee Member) $0 $0 $0
Robert J Becker (Governing Committee Member) $0 $0 $0
James M Mulholland (Governing Committee Member) $0 $0 $0
Amy Carlisle (Governing Committee Member) $0 $0 $0
Chet Swisher (Governing Committee Member) $0 $0 $0
Frank Hiser (Governing Committee Member) $0 $0 $0
Charles H Flickinger (Chair) $0 $0 $0
Robert F Ohler (Vice Chair) $0 $0 $0
+ View more people

Document Links

990
Filed on Aug. 10, 2015

Primary tax return for a nonprofit’s activities, finances, and governance

View Filing
PDF XML

Fiscal Year Ending Sept.
2013

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$1,654,269
Expenses
$2,294,565
Net Income
-$640,296
Net Assets
-$98,660
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $1,467,018
88.7%
Investment Income $0
Bond Proceeds $0
Royalties $0
Rental Property Income $0
Net Fundraising $0
Sales of Assets $0
Net Inventory Sales $0
Other Revenue $187,251
11.3%
Notable Expenses Percent of Total Expenses
Executive Compensation $139,221
6.1%
Professional Fundraising Fees $0
Other Salaries and Wages $313,155
13.6%
Assets/Debt
Total Assets $2,319,996
Total Liabilities $2,418,656
Net Assets -$98,660

Document Links

990
Filed on Aug. 15, 2014

Primary tax return for a nonprofit’s activities, finances, and governance

View Filing
PDF XML

Fiscal Year Ending Sept.
2012

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$1,722,181
Expenses
$1,682,478
Net Income
$39,703
Net Assets
-$171,712
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $1,541,244
89.5%
Investment Income $0
Bond Proceeds $0
Royalties $0
Rental Property Income $0
Net Fundraising $0
Sales of Assets $0
Net Inventory Sales $0
Other Revenue $180,937
10.5%
Notable Expenses Percent of Total Expenses
Executive Compensation $257,328
15.3%
Professional Fundraising Fees $0
Other Salaries and Wages $306,030
18.2%
Assets/Debt
Total Assets $2,929,698
Total Liabilities $3,101,410
Net Assets -$171,712

Document Links

990

Primary tax return for a nonprofit’s activities, finances, and governance

PDF

Fiscal Year Ending Sept.
2011

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$1,937,246
Expenses
$3,199,230
Net Income
-$1,261,984
Net Assets
-$2,013,051
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $1,759,469
90.8%
Investment Income $0
Bond Proceeds $0
Royalties $0
Rental Property Income $0
Net Fundraising $0
Sales of Assets $0
Net Inventory Sales $0
Other Revenue $177,777
9.2%
Notable Expenses Percent of Total Expenses
Executive Compensation $152,177
4.8%
Professional Fundraising Fees $0
Other Salaries and Wages $406,845
12.7%
Assets/Debt
Total Assets $1,666,402
Total Liabilities $3,679,453
Net Assets -$2,013,051

Document Links

990

Primary tax return for a nonprofit’s activities, finances, and governance

PDF

Fiscal Year Ending Sept.
2010

No Extracted Financial Data

Extracted financial data is not available for the forms filed in this tax period, but Form 990 documents are available for download.

Document Links

990

Primary tax return for a nonprofit’s activities, finances, and governance

PDF

Fiscal Year Ending Sept.
2009

No Extracted Financial Data

Extracted financial data is not available for the forms filed in this tax period, but Form 990 documents are available for download.

Document Links

990

Primary tax return for a nonprofit’s activities, finances, and governance

PDF

Fiscal Year Ending Sept.
2008

No Extracted Financial Data

Extracted financial data is not available for the forms filed in this tax period, but Form 990 documents are available for download.

Document Links

990

Primary tax return for a nonprofit’s activities, finances, and governance

PDF

Fiscal Year Ending Sept.
2007

No Extracted Financial Data

Extracted financial data is not available for the forms filed in this tax period, but Form 990 documents are available for download.

Document Links

990

Primary tax return for a nonprofit’s activities, finances, and governance

PDF

Fiscal Year Ending Sept.
2006

No Extracted Financial Data

Extracted financial data is not available for the forms filed in this tax period, but Form 990 documents are available for download.

Document Links

990

Primary tax return for a nonprofit’s activities, finances, and governance

PDF

Fiscal Year Ending Sept.
2005

No Extracted Financial Data

Extracted financial data is not available for the forms filed in this tax period, but Form 990 documents are available for download.

Document Links

990

Primary tax return for a nonprofit’s activities, finances, and governance

PDF

Fiscal Year Ending Sept.
2004

No Extracted Financial Data

Extracted financial data is not available for the forms filed in this tax period, but Form 990 documents are available for download.

Document Links

990

Primary tax return for a nonprofit’s activities, finances, and governance

PDF

About This Data

Nonprofit Explorer includes summary data for nonprofit tax returns and full Form 990 documents, in both PDF and digital formats.

The summary data contains information processed by the IRS during the 2012-2019 calendar years; this generally consists of filings for the 2011-2018 fiscal years, but may include older records. This data release includes only a subset of what can be found in the full Form 990s.

In addition to the raw summary data, we link to PDFs and digital copies of full Form 990 documents wherever possible. This consists of separate releases by the IRS of Form 990 documents processed by the agency, which we update regularly.

We also link to copies of audits nonprofit organizations that spent $750,000 or more in Federal grant money in a single fiscal year since 2016. These audits are copied from the Federal Audit Clearinghouse.

Which Organizations Are Here?

Every organization that has been recognized as tax exempt by the IRS has to file Form 990 every year, unless they make less than $200,000 in revenue and have less than $500,000 in assets, in which case they have to file form 990-EZ. Organizations making less than $50,000 don’t have to file either form but do have to let the IRS they’re still in business via a Form 990N "e-Postcard."

Nonprofit Explorer has organizations claiming tax exemption in each of the 27 subsections of the 501(c) section of the tax code, and which have filed a Form 990, Form 990EZ or Form 990PF. Taxable trusts and private foundations that are required to file a form 990PF are also included. Small organizations filing a Form 990N "e-Postcard" are not included in this data.

Types of Nonprofits

There are 27 nonprofit designations based on the numbered subsections of section 501(c) of the tax code. See the list »

Get the Data

For those interested in acquiring the original data from the source, here’s where our data comes from:

  • Raw filing data. Includes EINs and summary financials as structured data.
  • Exempt Organization profiles. Includes organization names, addresses, etc. You can merge this with the raw filing data using EIN numbers.
  • Form 990 documents. Prior to 2017, these documents were obtained and processed by Public.Resource.org and ProPublica. Bulk PDF downloads since 2017 are available from the IRS.
  • Form 990 documents as XML files. Includes complete filing data (financial details, names of officers, tax schedules, etc.) in machine-readable format. Only available for electronically filed documents. Electronic data released prior to October 2021 is also available through Amazon Web Services.
  • Audits. PDFs of single or program-specific audits for nonprofit organizations that spent $750,000 or more in Federal grant money in a single fiscal year. Available for fiscal year 2015 and later.

API

The data powering this website is available programmatically, via an API. Read the API documentation »

Byline

By Andrea Suozzo, Alec Glassford and Ash Ngu, ProPublica, and Brandon Roberts, Special to ProPublica.
Design by Jeff Frankl. Additional development by Ken Schwencke, Mike Tigas, and Sisi Wei.

E-file viewer adapted from IRS e-File Viewer by Ben Getson. Code for scraping audit documents adapated from Govwiki.

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