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Oregon Fair Plan Association

Beaverton, ORUnknown exempt organization EIN 93-0571699Revenue $2.7M in FY2024Latest return filed Sep 5, 2025

On file with the IRSorfairplan.comBeaverton, OR

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To ensure that all eligible property in the state of Oregon can obtain essential property insurance for those who are unable to qualify for coverage under traditional insurance providers.

Form 990 Part I, line 1, FY2024. The organization’s own words, as filed with the IRS. Find it at the IRS (EIN 93-0571699) · Dispute this line
Run by 5 volunteers and 3 employees.
Mission: Form 990 Part I, line 1 · People: Part I, lines 5–6

Before you give

FY2024 · Form 990Independent: from IRS data, not the org
Download 990
Latest return
FY2024
latest Form 990
The latest return is for FY2024, 2 tax years back.
IRS e-file · Filing history
Surplus or deficit
2 of 5
filings with a surplus
Average deficit $29K a year · 2% of revenue · last 5 filings
A surplus in 2 of the last 5 filings.
Pt I · Ln 19 · 5 filings
Spent on programs
0%
of spending
0% of spending went to programs.
Pt IX · Ln 25 · col B
Pay to officers and key staff
$149K
to officers and key staff · 8% of spending
Pay to officers and key staff is 8% of spending.
Part VII, Section A
Cash reserves
13.7 mo
of spending, in cash
Plus $2.6M in investments, Pt X · Ln 11–13
13.7 months of spending in cash.
Pt X · Ln 1–2 · Pt I · Ln 18
Liabilities
$1.6M
33% of total assets
Liabilities are 33% of assets.
Pt X · Ln 26
Independent board members
5
of 5 voting members
5 of 5 voting members are independent.
Pt VI · Ln 1a–1b
In line with peersDifferent from peersFar from peersNo peer rangeNo data yetTap a box for the reason.
Revenue
$2.7M
+43% vs prior year
Spent
$1.9M
To programs
0%
Net assets
$3.3M
By yearFY2020–FY2024
Revenue
$2.7M
FY2024▲ +43%
Tap a bar for its year
Revenue by fiscal year
FY2020$877K
FY2021$884K
FY2022$1.1M
FY2023$1.9M
FY2024$2.7M
Expenses
$1.9M
FY2024▲ +25%
Tap a bar for its year
Expenses by fiscal year
FY2020$1.6M
FY2021$1.5M
FY2022$1.1M
FY2023$1.5M
FY2024$1.9M
Net assets
$3.3M
FY2024▲ +33%
Tap a bar for its year
Net assets by fiscal year
FY2020$3.0M
FY2021$2.3M
FY2022$2.1M
FY2023$2.5M
FY2024$3.3M

From the FY2024 Form 990 · see the original

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Is it real?

Yes. Never revoked by the IRS. Latest filing on record: FY2024.

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

Who runs it and what they're paid

6 people listed on the 990; $149K paid to officers and key staff (Part VII, Section A).

Part VII, Section A · reportable compensation
Steve Steinbeck
Executive Di
$148,537Pt VII · Sec A
Linda Bombe
Director
$0Pt VII · Sec A
Karen Lang
Director
$0Pt VII · Sec A
Jon Hedegard
Director
$0Pt VII · Sec A
Andrew Davies
Board Chair
$0Pt VII · Sec A
Troy Uselman
Director
$0Pt VII · Sec A

Compensation history total reportable pay by year · 2 named individuals · Part VII

NameFY2024FY2023FY2022FY2021FY2020
Steve Steinbeck$148,537$119,904———
Phil Benson—$85,538$80,492$77,077$75,000

Total reportable compensation (Form 990 Part VII column D / Schedule J column E) by filing year, matched by name within this organization. The Schedule J base / bonus / deferred breakdown is not parsed into this dataset.

See Oregon Fair Plan Association executive salaries →

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

Provides essential property insurance for Oregon properties unable to get traditional coverage.

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1 program · in their own filed words · FY2024
01

To ensure that all eligible property in the state of oregon can obtain essential property insurance for those who are unable to qualify for coverage under traditional insurance providers.

Form 990 Part III, line 4, FY2024. The organization’s own words, as filed with the IRS. Find it at the IRS (EIN 93-0571699) · Dispute this line
Pt IX · Ln 25 · col B

By the numbers

The FY2024 990, line by line.

Download 990
from philanthropy.org
1The main four
Money inPt VIII
$2.7M
Ln 12
Fees for servicesLn 2g$2.6M
Investment incomeLn 3$92K
Money outPt IX
$1.9M
Ln 25
Owns and owesPt X
$3.3M
net assets · Ln 32
Cash and savingsLn 1–2$2.2M
Total assetsLn 16$4.9M
LiabilitiesLn 26$1.6M
PeoplePt VI, VII
6
listed · VII A
PaidVII A1
Voting boardVI 1a5
IndependentVI 1b5
2In more detail
Revenue in detailPt VIII
Fees for servicesLn 2g$2.6M
Investment incomeLn 3$92K
Total revenueLn 12$2.7M
Assets in detailPt X, end of year
CashLn 1$2.2M
Cash and savings togetherLn 1–2$2.2M
Accounts receivableLn 4$180K
InvestmentsLn 11–13$2.6M
Total assetsLn 16$4.9M
LiabilitiesLn 26$1.6M
Net assetsLn 32$3.3M
OperationsPt I, VI
EmployeesI 53
VolunteersI 65
Fiscal year endsHeaderDecember
Conflict-of-interest policyVI 12aYes
Whistleblower policyVI 13No
Records policyVI 14Yes
3Year over year
Balance sheet, start vs end of yearPt X · col A, B
LineStart FY24End FY24
Cash and savingsLn 1–2$982K$2.2M
InvestmentsLn 11–13$2.5M$2.6M
Total assetsLn 16$3.6M$4.9M
LiabilitiesLn 26$1.1M$1.6M
Net assetsLn 32$2.5M$3.3M
4Every line
Statement of functional expensesPt IX · every line
LineTotalProgramsManagementFundraising
Pay of officers and key staff (Part IX, line 5)Ln 5$149K
Other salaries and wagesLn 7$136K
Other employee benefitsLn 9$92K
Payroll taxesLn 10$22K
Other fees for servicesLn 11g$59K
Office expensesLn 13$25K
Information technologyLn 14$306K
OccupancyLn 16$49K
InsuranceLn 23$17K
Other expenses (24a–d)Ln 24$1.0M
All other expensesLn 24e$15K
Total functional expensesLn 25$1.9M$0$0$0

Filing history

YearMoney inMoney outIn minus outNet assetsDownload
FY2024 Latest ViewingFiled with the IRS Sep 5, 2025 $2.7M$1.9M$815K$3.3M 990 PDF
FY2023Filed with the IRS Nov 13, 2024 $1.9M$1.5M$371K$2.5M 990 PDF
FY2022Filed with the IRS Nov 13, 2023 $1.1M$1.1M−$29K$2.1M 990 PDF
FY2021Filed with the IRS Nov 15, 2022 $884K$1.5M−$613K$2.3M 990 PDF
FY2020Filed with the IRS Nov 15, 2021 $877K$1.6M−$691K$3.0M 990 PDF

Schedules filed Part IV

I · Grants O · Explanations
See the full FY2024 990
Part I · Summary $2,710,005 revenue, 12 lines filed
I-8 Contributions and grants$0
I-9 Program service revenuePrior year $1,821,448$2,618,238
I-10 Investment incomePrior year $71,312$91,767
I-11 Other revenue$0
I-12 Total revenuePrior year $1,892,760$2,710,005
I-13 Grants and similar amounts paid$0
I-14 Benefits paid to members$0
I-15 Salaries and benefitsPrior year $410,958$397,707
I-16a Professional fundraising fees$0
I-17 Other expensesPrior year $1,110,985$1,497,190
I-18 Total expensesPrior year $1,521,943$1,894,897
I-19 Revenue less expensesPrior year $370,817$815,108
Part VI · Governance 5 of 5 board members independent, 1 to look at
VI-1a Voting members of the governing body5
VI-1b Independent voting members5
VI-13 Written whistleblower policyNo
VI-2 Family or business relationship among officers or directorsNo
VI-12a Written conflict of interest policyYes
VI-14 Document retention and destruction policyYes
VI-15a Process for setting top official's payYes
Part VIII · Statement of revenue $2,710,005 across 3 lines filed
VIII-2a-f Program service revenue, itemized rows (sum of 2a–2f as filed)Related to mission $2,618,238$2,618,238
VIII-3 Investment incomeExcluded from tax $91,767$91,767
VIII-12 Total revenueRelated to mission $2,618,238 · Excluded from tax $91,767$2,710,005
Part IX · Statement of functional expenses $1,894,897 across 11 lines filed
IX-5 Pay of officers and key staff (Part IX, line 5)$148,537
IX-7 Other salaries and wages$135,943
IX-9 Other employee benefits$91,546
IX-10 Payroll taxes$21,681
IX-11g Other fees for services$59,486
IX-13 Office expenses$25,086
IX-14 Information technology$306,222
IX-16 Occupancy$49,232
IX-23 Insurance$17,162
IX-24 Other expenses (24a–d)$1,025,282
IX-24e All other expenses$14,720
IX-25 Total functional expensesPrograms $0 · Management $0 · Fundraising $0$1,894,897
Part X · Balance sheet $4,926,399 assets, 10 lines filed
X-1 Cash, non-interest-bearingStart of year $981,727$2,161,413
X-4 Accounts receivableStart of year $104,743$179,753
X-11 Publicly traded securitiesStart of year $2,482,900$2,585,233
X-16 Total assetsStart of year $3,569,370$4,926,399
X-17 Accounts payable and accrued expensesStart of year $122,031$204,451
X-19 Deferred revenueStart of year $964,269$1,413,204
X-26 Total liabilitiesStart of year $1,086,300$1,617,655
X-31 Retained earnings or endowmentStart of year $2,483,070$3,308,744
X-32 Total net assets or fund balancesStart of year $2,483,070$3,308,744
X-33 Total liabilities and net assetsStart of year $3,569,370$4,926,399
Part XI · Reconciliation of net assets $3,308,744 net assets at year end
XI-1 Total revenue$2,710,005
XI-2 Total expenses$1,894,897
XI-3 Revenue less expenses$815,108
XI-4 Net assets at start of year$2,483,070
XI-5 Net unrealized gains (losses) on investments$31,835
XI-7 Investment expenses−$21,269
XI-10 Net assets at end of year$3,308,744

Form 990 e-file (XML) FY2024 from the IRS · Classification, formation year and address from the IRS Business Master File

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