Skip to content
Nonprofiteer
← All organizations

EDUCATORS MUTUAL INSURANCE ASSOCIATION

EIN 87-0189237 SALT LAKE CTY, UT

Largest nonprofits in Utah

Revenue 2023
$58,059,378
Expenses 2023
$54,321,705

Program services were 0.0% of total expenses calculated — Part IX's program-services column over total expenses, both as filed.

As filed

Subsection
09
Classification
1000
Street
5101 S COMMERCE DR

These codes are the IRS's own and are shown exactly as filed. What each one means is in the Business Master File documentation (opens in a new tab).

Other organizations at this address

1 other organization in the IRS Business Master File lists the same street address. matched by us

We match the street line and ZIP code as the IRS gives them, ignoring case and outer spaces and nothing else, so "AVE" and "AVENUE" count as different streets and this list can miss some. A shared address can mean related organizations or a shared office, but it can also be a registered agent, a mail drop or a service provider holding mail for unrelated clients. It is not, by itself, evidence that two organizations are connected.

Mission and programs · 2023

Mission

PROVIDE LIFE, ACCIDENT, & HEALTH INSURANCE TO EDUCATIONAL GROUPS.

  • PROVIDE LIFE, ACCIDENT, AND HEALTH INSURANCE TO EDUCATIONAL GROUPS.

As filed on the 2023 return.

Officers and directors · 2023

As listed in Part VII of the 2023 return, in the order the filer printed them. Each return names its own; this is not a roster the organization keeps with us.

  • Steven C Morrison

    CEO

    Total calculated
    $807,456
    From this org
    $182,268
    From related orgs
    $510,764
    Other
    $114,424
    Hours/week
    11 + 29 related

    Schedule J breakdown matched by us

    Base
    $102,986 + $288,594 related
    Bonus
    $79,282 + $222,170 related
    Other
    not reported
    Deferred
    $24,397 + $68,368 related
    Nontaxable benefits
    $5,696 + $15,963 related
    Filer's total
    $212,361 + $595,095 related
  • Michael Greenhalgh

    CFO

    Total calculated
    $612,928
    From this org
    $135,180
    From related orgs
    $378,813
    Other
    $98,935
    Hours/week
    11 + 29 related

    Schedule J breakdown matched by us

    Base
    $77,152 + $216,203 related
    Bonus
    $58,028 + $162,610 related
    Other
    not reported
    Deferred
    $18,277 + $51,218 related
    Nontaxable benefits
    $7,743 + $21,697 related
    Filer's total
    $161,200 + $451,728 related
  • David Ryan Lowther

    COO & SECRET

    Total calculated
    $451,388
    From this org
    $95,900
    From related orgs
    $268,739
    Other
    $86,749
    Hours/week
    11 + 29 related

    Schedule J breakdown matched by us

    Base
    $63,885 + $179,025 related
    Bonus
    $32,015 + $89,714 related
    Other
    not reported
    Deferred
    $15,134 + $42,411 related
    Nontaxable benefits
    $7,681 + $21,523 related
    Filer's total
    $118,715 + $332,673 related
  • David Scott Wood

    CHIEF ACTUAR

    Total calculated
    $385,951
    From this org
    $81,080
    From related orgs
    $227,210
    Other
    $77,661
    Hours/week
    11 + 29 related

    Schedule J breakdown matched by us

    Base
    $53,991 + $151,299 related
    Bonus
    $27,089 + $75,911 related
    Other
    not reported
    Deferred
    $12,791 + $35,843 related
    Nontaxable benefits
    $7,634 + $21,393 related
    Filer's total
    $101,505 + $284,446 related
  • Cindy Dunnavant

    VP SALES & M

    Total calculated
    $335,397
    From this org
    $73,250
    From related orgs
    $205,267
    Other
    $56,880
    Hours/week
    11 + 29 related

    Schedule J breakdown matched by us

    Base
    $51,830 + $145,244 related
    Bonus
    $21,420 + $60,023 related
    Other
    not reported
    Deferred
    $12,279 + $34,408 related
    Nontaxable benefits
    $2,681 + $7,512 related
    Filer's total
    $88,210 + $247,187 related
  • Jeremy Spencer

    VP OPERATION

    Total calculated
    $305,794
    From this org
    $70,059
    From related orgs
    $196,323
    Other
    $39,412
    Hours/week
    11 + 29 related

    Schedule J breakdown matched by us

    Base
    $63,972 + $179,264 related
    Bonus
    $6,087 + $17,059 related
    Other
    not reported
    Deferred
    $3,838 + $10,756 related
    Nontaxable benefits
    $6,527 + $18,291 related
    Filer's total
    $80,424 + $225,370 related
  • Joseph H Campbell

    CHIEF INFO O

    Total calculated
    $305,126
    From this org
    $60,242
    From related orgs
    $168,817
    Other
    $76,067
    Hours/week
    11 + 29 related

    Schedule J breakdown matched by us

    Base
    $52,239 + $146,390 related
    Bonus
    $8,003 + $22,427 related
    Other
    not reported
    Deferred
    $12,376 + $34,680 related
    Nontaxable benefits
    $7,630 + $21,381 related
    Filer's total
    $80,248 + $224,878 related
  • Brandon L Smart

    CHIEF LEGAL

    Total calculated
    $292,343
    From this org
    $58,272
    From related orgs
    $163,295
    Other
    $70,776
    Hours/week
    11 + 29 related

    Schedule J breakdown matched by us

    Base
    $46,495 + $130,292 related
    Bonus
    $11,777 + $33,003 related
    Other
    not reported
    Deferred
    $11,015 + $30,866 related
    Nontaxable benefits
    $7,599 + $21,296 related
    Filer's total
    $76,886 + $215,457 related
  • Brandon Jorgensen

    SALES MANAGE

    Total calculated
    $262,303
    From this org
    $51,217
    From related orgs
    $143,524
    Other
    $67,562
    Hours/week
    11 + 29 related

    Schedule J breakdown matched by us

    Base
    $41,911 + $117,445 related
    Bonus
    $9,306 + $26,079 related
    Other
    not reported
    Deferred
    $9,929 + $27,823 related
    Nontaxable benefits
    $7,840 + $21,970 related
    Filer's total
    $68,986 + $193,317 related
  • Stephen Clay

    CONTROLLER

    Total calculated
    $245,680
    From this org
    $47,052
    From related orgs
    $131,853
    Other
    $66,775
    Hours/week
    11 + 29 related

    Schedule J breakdown matched by us

    Base
    $42,135 + $118,073 related
    Bonus
    $4,917 + $13,780 related
    Other
    not reported
    Deferred
    $9,982 + $27,972 related
    Nontaxable benefits
    $7,580 + $21,241 related
    Filer's total
    $64,614 + $181,066 related
  • Roger Proctor

    IT DEV. MANA

    Total calculated
    $239,146
    From this org
    $45,653
    From related orgs
    $127,932
    Other
    $65,561
    Hours/week
    11 + 29 related

    Schedule J breakdown matched by us

    Base
    $40,817 + $114,381 related
    Bonus
    $4,836 + $13,551 related
    Other
    not reported
    Deferred
    $9,670 + $27,097 related
    Nontaxable benefits
    $7,573 + $21,221 related
    Filer's total
    $62,896 + $176,250 related
  • Justin Bleazard

    VP UNDERWRIT

    Total calculated
    $234,723
    From this org
    $44,744
    From related orgs
    $125,386
    Other
    $64,593
    Hours/week
    11 + 29 related

    Schedule J breakdown matched by us

    Base
    $39,763 + $111,428 related
    Bonus
    $4,981 + $13,958 related
    Other
    not reported
    Deferred
    $9,420 + $26,397 related
    Nontaxable benefits
    $7,568 + $21,208 related
    Filer's total
    $61,732 + $172,991 related
  • Tiffany Bermingham

    VP ENROLLMEN

    Total calculated
    $209,334
    From this org
    $43,452
    From related orgs
    $121,766
    Other
    $44,116
    Hours/week
    11 + 29 related

    Schedule J breakdown matched by us

    Base
    $38,031 + $106,574 related
    Bonus
    $5,421 + $15,192 related
    Other
    not reported
    Deferred
    $9,010 + $25,247 related
    Nontaxable benefits
    $2,593 + $7,266 related
    Filer's total
    $55,055 + $154,279 related
  • Corey Callahan

    DIRECTOR

    Total calculated
    $10,841
    From this org
    $2,840
    From related orgs
    $7,960
    Other
    $41
    Hours/week
    1 + 1 related
  • Scott Thornton

    DIRECTOR

    Total calculated
    $9,641
    From this org
    $2,525
    From related orgs
    $7,075
    Other
    $41
    Hours/week
    1 + 1 related
  • Paul Gottfredson

    DIRECTOR

    Total calculated
    $9,640
    From this org
    $2,525
    From related orgs
    $7,075
    Other
    $40
    Hours/week
    1 + 1 related
  • Wendell Page Bennett

    DIRECTOR

    Total calculated
    $8,441
    From this org
    $2,209
    From related orgs
    $6,191
    Other
    $41
    Hours/week
    1 + 1 related
  • Randall Reid Smart

    DIRECTOR

    Total calculated
    $8,440
    From this org
    $2,209
    From related orgs
    $6,191
    Other
    $40
    Hours/week
    1 + 1 related
  • Jennifer Boehme

    DIRECTOR

    Total calculated
    $7,240
    From this org
    $1,894
    From related orgs
    $5,306
    Other
    $40
    Hours/week
    1 + 1 related
  • Bryan Sprague

    DIRECTOR

    Total calculated
    $7,041
    From this org
    $1,841
    From related orgs
    $5,159
    Other
    $41
    Hours/week
    1 + 1 related
  • Michael R Francis

    DIRECTOR

    Total calculated
    $6,041
    From this org
    $1,578
    From related orgs
    $4,422
    Other
    $41
    Hours/week
    1 + 1 related
  • Clint Halverson

    DIRECTOR

    Total calculated
    $4,840
    From this org
    $1,262
    From related orgs
    $3,538
    Other
    $40
    Hours/week
    1 + 1 related

Compensation is as filed in Part VII: reportable pay from this organization and from related organizations, other compensation, and hours per week. The total, marked calculated, is our sum of the three dollar columns, with a blank column counted as $0; the form itself has no total. On a Form 990-EZ the columns are Part IV's instead, and on a Form 990-PF Part VIII's — compensation, contributions to benefit plans, and expense account — and the total sums those. A Schedule J breakdown is as filed: base pay, bonus, other, deferred compensation and nontaxable benefits from this organization, with any from related organizations beside each, and the filer's own total. It is shown with the Part VII listing of the same name on the same return. The form gives no key between the two, so that pairing is ours, and is marked matched by us. Earlier years are each on their own filing page.

Filings

  • 2023
    Revenue
    $58,059,378
    Expenses
    $54,321,705
    Contributions
    $0
    Grants paid
    $300
  • 2022
    Revenue
    $52,240,394
    Expenses
    $39,386,311
    Contributions
    $0
    Grants paid
    $0

The four totals the IRS asks for on Part I of the Form 990, as filed. A dash means the figure was not present on the return — not that it was zero.

Other returns filed

  • 2021 · 990

    Revenue
    $54,287,384
    Expenses
    $40,530,090
    Assets (EOY)
    $192,680,781
  • 2020 · 990

    Revenue
    $81,626,178
    Expenses
    $70,099,990
    Assets (EOY)
    $189,850,376
  • 2019 · 990

    Revenue
    $89,903,968
    Expenses
    $75,840,736
    Assets (EOY)
    $170,515,820
  • 2018 · 990

    Revenue
    $93,334,890
    Expenses
    $82,488,479
    Assets (EOY)
    $159,285,953
  • 2017 · 990

    Revenue
    $45,568,016
    Expenses
    $37,618,606
    Assets (EOY)
    $118,700,003
  • 2016 · 990

    Revenue
    $48,384,829
    Expenses
    $39,112,062
    Assets (EOY)
    $104,142,589
  • 2015 · 990

    Revenue
    $47,131,375
    Expenses
    $43,422,423
    Assets (EOY)
    $91,723,134
  • 2014 · 990

    Revenue
    $44,967,190
    Expenses
    $37,023,260
    Assets (EOY)
    $86,731,224
  • 2013 · 990

    Revenue
    $48,163,064
    Expenses
    $44,084,101
    Assets (EOY)
    $75,850,338
  • 2012 · 990

    Revenue
    not reported
    Expenses
    $44,754,923
    Assets (EOY)
    $68,177,951

Nonprofiteer parses Forms 990, 990-EZ and 990-PF, in a window of recent tax years. These returns are recorded from the IRS e-file index, so their figures were extracted by that index rather than read from the return here — treat them as a different source from the filings above, not as more of the same record. A dash means the index carries no figure; Form 990-T listings carry none at all. Showing the 10 most recent; the API carries the rest.

Grants made

No itemized grants to organizations. Schedule I is filed only by organizations that granted more than $5,000 to a recipient, so most filers have none.

Grants received

No itemized grant names this organization as a recipient. Only grants over $5,000 are itemized, and only by filers of the full Form 990.

Related organizations

From Schedule R Part II, where a filer lists the tax-exempt organizations it is related to by control. It does not record shared board members or money.

Declared on its 2023 return

Taxable family

From Schedule R Parts I, III and IV: entities that legally are the filer, and taxable partnerships, corporations and trusts it is related to. These record ownership and control, not shared board members or money.

Related corporations and trusts on its 2023 return

  • EDUCATORS HEALTH PLANS LIFE ACCIDEN

    INSURANCE · UT · controlled entity

  • TOTAL DENTAL ADMINISTRATORS OF UTAH

    INSURANCE · UT · controlled entity

  • TOTAL DENTAL ADMINISTRATORS HEALTH

    ADMIN SERV · UT · controlled entity

  • TOTAL DENTAL ADMINISTRATORS INC

    ADMIN SERV · UT · controlled entity

  • DENTAL MANAGEMENT ADMINISTRATORS

    ADMIN SERV · UT · controlled entity

  • RISK ALLIANCE INC

    C CORP · INSURANCE · UT · 82% owned · share of assets $603,604 · controlled entity

  • T1 CELL OF RISK ALLIANCE INC

    C CORP · INSURANCE · UT · 82% owned · share of assets $205,000 · controlled entity

  • U1 CELL OF RISK ALLIANCE INC

    C CORP · INSURANCE · UT · 82% owned · share of assets $205,000 · controlled entity

Other IRS files

Auto-Revocation List

Not listed. The IRS publishes this list for organizations whose exemption was automatically revoked for failing to file for three consecutive years.

Publication 78

Not present in the most recent drop.

These are two separate IRS files on two separate schedules, shown as published and not reconciled with each other. Neither is a statement about whether a contribution is deductible today: 19,245 organizations appear in Publication 78 while the IRS's own revocation file lists them as currently revoked, more than half of those revoked before 2019. Absence from Publication 78 is evidence of nothing, and presence is not evidence either. Verify current status with the IRS before relying on it.

What this page reflects

The registration facts above come from the IRS Business Master File published 13 October 2026 and read 1 November 2026, for every organization at once. Returns through tax year 2023, the newest we have parsed for this organization.