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Nabip Michigan

Not tax-deductible

Lansing, MI501(c)(6)Since 2000EIN 38-3122174Revenue $74K in FY2025

On file with the IRSPo Box 10060, 48901-0060 · Lansing, MITax-exempt since Feb 1994

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Organize A Membership Of Educated And Ethical Health Insurance Professionals To Improve The Health Care System In The State Of Michigan.

49¢ of each $1 spent went to programs.
Run by 15 volunteers.
Mission: Form 990 Part I, line 1 · Programs: Part IX · People: Part I, lines 5–6

Before you give

FY2025 · Form 990Independent: from IRS data, not the org
Download 990
IRS status
501(c)(6)
not on the IRS revocation list
Looks good: listed by the IRS and not on the revocation list.
IRS BMF · Auto-Revocation List
Tax-deductible gifts
No
Donations are not tax-deductible
Worth a look: the IRS does not list gifts to it as deductible.
IRS Pub. 78 · IRS BMF
Latest return
FY2025
latest Form 990
Looks good: the latest return is for FY2025, 1 tax year back; within 2 tax years.
IRS e-file · Filing history
Surplus or deficit
2 of 6
filings with a surplus
Average deficit $4K a year · 5% of revenue · last 6 filings
Concern: a surplus in 2 of the last 6 filings.
Pt I · Ln 19 · 6 filings
Spent on programs
49%
of spending
Concern: 49% of spending went to programs; under 50%.
Pt IX · Ln 25 · col B
Cash reserves
6 mo
of spending, in cash
Looks good: 6.1 months of spending in cash; 3 or more.
Pt X · Ln 1–2 · Pt I · Ln 18
Liabilities
$30K
61% of total assets
Fine: liabilities are 61% of assets; 50% to 65%.
Pt X · Ln 26
Independent board members
15
of 15 voting members
Looks good: 15 of 15 voting members are independent, a majority.
Pt VI · Ln 1a–1b
Looks goodFineWorth a lookConcernNo data yetTap a box for the reason.
Revenue
$74K
-7% vs prior year
Spent
$77K
To programs
49%
Net assets
$19K
By yearFY2020–FY2025
Revenue
$74K
FY2025▼ -7%
Tap a bar for its year
Revenue by fiscal year
FY2020$73K
FY2021$65K
FY2022$82K
FY2023$87K
FY2024$79K
FY2025$74K
Expenses
$77K
FY2025▼ -25%
Tap a bar for its year
Expenses by fiscal year
FY2020$69K
FY2021$68K
FY2022$86K
FY2023$81K
FY2024$103K
FY2025$77K
Net assets
$19K
FY2025▼ -14%
Tap a bar for its year
Net assets by fiscal year
FY2020$47K
FY2021$44K
FY2022$40K
FY2023$45K
FY2024$22K
FY2025$19K

From the FY2025 Form 990 · see the original

Form 990 (PDF) Claim

Is it real?

Yes. Never revoked by the IRS. Latest filing on record: FY2025. IRS ruling in Feb 1994.

IRS Pub. 78 · IRS Auto-Revocation List · IRS Business Master File

Where the money goes

49 cents of each dollar spent went to programs.

Program services 49% · $37K Management & general 51% · $40K

Form 990 Part IX, line 25, columns B–D. Every line is in By the numbers.

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Who runs it and what they're paid

14 people listed on the 990.

Part VII, Section A · reportable compensation
Catherine L Cooper
Legislative Co Chair
$0Pt VII · Sec A
Val Cramer
Dei Membership Co Chair
$0Pt VII · Sec A
Jeff Romback
Legislative Co Chair
$0Pt VII · Sec A
Jared Rodriguez
Executive Director
$0Pt VII · Sec A
Lisa Maxwell
Secretary
$0Pt VII · Sec A
Ryan Combs
Membership Chair
$0Pt VII · Sec A
Ruben Rodriguez
Membership Experience Chair
$0Pt VII · Sec A
Lauren Glover
West Mi Local Chapter
$0Pt VII · Sec A
See Nabip Michigan executive salaries →

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Questions the 990 asks

The form asks each of these directly. These are the filed answers.

  • Family or business ties among officersPt VI · Ln 2No
  • Top official's pay set by an independent reviewPt VI · Ln 15aYes

Programs and updates

Unites educated, ethical health insurance professionals to improve Michigan's healthcare system.

Questions for Nabip Michigan

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Provided by the organization

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1 program · $37K · in their own filed words · FY2025
01

Selling, Servicing & Distribution Of Disability Income And Health Insurance Plans As A Profession And A Public Trust.

$37Kprogram expense

By the numbers

The FY2025 990, line by line.

Download 990
from philanthropy.org
1The main four
Money inPt VIII
$74K
Ln 12
Gifts and grantsLn 1h$43K
Fees for servicesLn 2g$31K
Other incomeLn 4–11$750
Money outPt IX
$77K
Ln 25
Programscol B$37K
Managementcol C$40K
Owns and owesPt X
$19K
net assets · Ln 32
Cash and savingsLn 1–2$39K
Total assetsLn 16$49K
LiabilitiesLn 26$30K
PeoplePt VI, VII
14
listed · VII A
PaidVII A0
Voting boardVI 1a15
IndependentVI 1b15
2In more detail
Revenue in detailPt VIII
Gifts and grantsLn 1h$43K
Fees for servicesLn 2g$31K
Investment incomeLn 3$6
Other incomeLn 4–11$750
Total revenueLn 12$74K
Assets in detailPt X, end of year
CashLn 1$39K
Cash and savings togetherLn 1–2$39K
Total assetsLn 16$49K
LiabilitiesLn 26$30K
Net assetsLn 32$19K
OperationsPt I, VI
EmployeesI 50
VolunteersI 615
Fiscal year endsHeaderDecember
Conflict-of-interest policyVI 12aYes
Whistleblower policyVI 13No
Records policyVI 14No
3Year over year
Balance sheet, start vs end of yearPt X · col A, B
LineStart FY25End FY25
Cash and savingsLn 1–2$22K$39K
Total assetsLn 16$22K$49K
LiabilitiesLn 26$0$30K
Net assetsLn 32$22K$19K
4Every line
Statement of functional expensesPt IX · every line
LineTotalProgramsManagementFundraising
Management feesLn 11a$33K$16K$16K
Accounting feesLn 11c$560$560
Office expensesLn 13$326$326
TravelLn 17$296$296
Conferences, conventions and meetingsLn 19$2K$2K
InsuranceLn 23$2K$2K
Other expenses (24a–d)Ln 24$39K$19K$20K
All other expensesLn 24e$45$45
Total functional expensesLn 25$77K$37K$40K$0

Filing history

YearMoney inMoney outIn minus outNet assetsDownload
FY2025 Latest Viewing $74K$77K−$3K$19K 990 PDF
FY2024 $79K$103K−$23K$22K 990 PDF
FY2023 $87K$81K$5K$45K 990 PDF
FY2022 $82K$86K−$4K$40K 990 PDF
FY2021 $65K$68K−$3K$44K 990 PDF
FY2020 $73K$69K$4K$47K 990 PDF

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Schedules filed Part IV

III · Programs I · Grants R · Related orgs G · Fundraising L · Interested persons A · Public support F · Foreign M · Noncash
See the full FY2025 990 (6 parts)
Part I · Summary $73,886 revenue, 12 lines filed
I-8 Contributions and grantsPrior year $44,790$42,530
I-9 Program service revenuePrior year $33,845$30,600
I-10 Investment incomePrior year $21$6
I-11 Other revenuePrior year $827$750
I-12 Total revenuePrior year $79,483$73,886
I-13 Grants and similar amounts paid$0
I-14 Benefits paid to members$0
I-15 Salaries and benefits$0
I-16a Professional fundraising fees$0
I-17 Other expensesPrior year $102,816$76,959
I-18 Total expensesPrior year $102,816$76,959
I-19 Revenue less expensesPrior year −$23,333−$3,073
Part VI · Governance 15 of 15 board members independent, 2 to look at
VI-1a Voting members of the governing body15
VI-1b Independent voting members15
VI-13 Written whistleblower policyNo
VI-14 Document retention and destruction policyNo
VI-2 Family or business relationship among officers or directorsNo
VI-12a Written conflict of interest policyYes
VI-15a Process for setting top official's payYes
Part VIII · Statement of revenue $73,886 across 7 lines filed
VIII-1b Membership dues$42,530
VIII-1h Total contributions, gifts and grants$42,530
VIII-2a-f Program service revenue, itemized rows (sum of 2a–2f as filed)Related to mission $30,600$30,600
VIII-3 Investment incomeExcluded from tax $6$6
VIII-8 Net income from fundraising events$0
VIII-11a-d Other revenue, itemized rows (sum of 11a–11d as filed)Excluded from tax $750$750
VIII-12 Total revenueRelated to mission $30,600 · Unrelated business $0 · Excluded from tax $756$73,886
Part IX · Statement of functional expenses $76,959 across 8 lines filed
IX-11a Management feesPrograms $16,500 · Management $16,500$33,000
IX-11c Accounting feesManagement $560$560
IX-13 Office expensesManagement $326$326
IX-17 TravelManagement $296$296
IX-19 Conferences, conventions and meetingsManagement $2,096$2,096
IX-23 InsurancePrograms $1,973$1,973
IX-24 Other expenses (24a–d)Programs $18,887 · Management $19,776$38,663
IX-24e All other expensesManagement $45$45
IX-25 Total functional expensesPrograms $37,360 · Management $39,599 · Fundraising $0$76,959
Part X · Balance sheet $49,015 assets, 8 lines filed
Asset lines not itemized here account for $9,750; see the IRS return.
X-1 Cash, non-interest-bearingStart of year $21,980$39,265
X-16 Total assetsStart of year $21,980$49,015
X-17 Accounts payable and accrued expenses$23,308
X-19 Deferred revenue$6,800
X-26 Total liabilitiesStart of year $0$30,108
X-27 Net assets without donor restrictionsStart of year $21,980$18,907
X-32 Total net assets or fund balancesStart of year $21,980$18,907
X-33 Total liabilities and net assetsStart of year $21,980$49,015
Part XI · Reconciliation of net assets $18,907 net assets at year end
XI-1 Total revenue$73,886
XI-2 Total expenses$76,959
XI-3 Revenue less expenses−$3,073
XI-4 Net assets at start of year$21,980
XI-9 Other changes in net assets$0
XI-10 Net assets at end of year$18,907

Form 990 e-file (XML) FY2025 from the IRS · Classification, formation year and address from the IRS Business Master File

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