Five Pointe Professional Liability Insurance Company co Wilmington Trust
Five Pointe Professional Liability Insurance Company co Wilmington Trust reported $129.4 million in revenue and $101.4 million in expenses for the fiscal year ending June 30, 2025. Of every $100 it spent, $98.59 went to program services, $1.41 to management and general costs and $0.00 to fundraising. Its largest source of revenue was program service revenue such as fees, sales and contracts: 69.1% of the total. The highest compensation it reported for one person was $3,302,622 (Director / President & CEO MLH). Revenue rose 205% between FY2020 and FY2025. Source: Form 990, FY2025.
Where $100 of spending went
The fiscal year ending June 30, 2025 · Form 990, Part IX, line 25 · total expenses $101MFor context, the median across 5,634 covered health care charities: $86.19 programs, $13.81 management, $0.00 fundraising (medians computed separately, so they may not sum to $100).
Where $100 of revenue came from
The fiscal year ending June 30, 2025 · Form 990, Part VIII · total revenue $129MThe 990 scorecard · same measures for every charity, no grades
| Measure | FY2025 | Median |
|---|---|---|
| Program services Part IX 25(B) ÷ 25(A) | 98.6% | 85.6% |
| Management & general Part IX 25(C) ÷ 25(A) | 1.4% | 13.7% |
| Fundraising Part IX 25(D) ÷ 25(A) | 0.0% | 0.0% |
| Fundraising cost per $1 of contributions Part IX 25(D) ÷ Part VIII 1h | Not reported | $0.00 |
| Contributions & grants share of revenue Part VIII 1h ÷ 12 | 0.0% | 1.3% |
| Government grants share of revenue Part VIII 1e ÷ 12 | 0.0% | 0.1% |
| Program service revenue share Part VIII 2g ÷ 12 | 69.1% | 93.7% |
| Highest reported compensation Part VII-A, columns D–F | $3,302,622 | $975,831 |
| Highest compensation as share of expenses Part VII-A ÷ Part IX 25(A) | 3.26% | 1.34% |
| People paid over $100,000 Part VII, line 2 | 0 | 27 |
| Net assets, in months of expenses Part X 33(B) ÷ monthly expenses | 15.4 | 6.6 |
| Independent voting board members Part VI 1a–1b | 0 of 10 | 88.9% |
A median is context, not a target: hospitals, universities, food banks and grantmakers spend in very different ways. What these measures can and can't tell you.
What the money paid for, in its own words
FY2025 · Form 990, Part III · the three largest programs by expenseFive Pointe Professional Liability Insurance Company provides reinsurance to mountain laurel risk retention group, inc. ("mlrrg"), a related party through common ownership that provides general Liability and Professional Liability Insurance to its shareholders that are the tax exempt members of Five Pointe. The reinsurance coverages assist with the management and funding of the Professional Liability risk thereby essentially functioning as a self-insurance vehicle for the tax exempt member hospitals and healthcare organizations. A sponsored captive Insurance Company in the state of delaware…
Highest reported compensation
FY2025 · Form 990, Part VII, Section A · roles as filed; names are in the filing, not here| Role | From this org | From related orgs | Other | Total |
|---|---|---|---|---|
| Director / President & CEO MLH Director/trustee, 1.0 hrs/week | $0 | $2,611,084 | $691,538 | $3,302,622 |
| Treasurer (Through 2/18/25) / CFO JH Director/trustee, officer, 1.0 hrs/week | $0 | $2,830,350 | $75,267 | $2,905,617 |
| Director (Beginning 2/19/25) / Executive VP JH Director/trustee, 1.0 hrs/week | $0 | $2,115,804 | $18,741 | $2,134,545 |
| Director / Chief Physician Executive JH Director/trustee, 1.0 hrs/week | $0 | $1,784,177 | $205,252 | $1,989,429 |
| Director / CIO TJU Director/trustee, officer, 1.0 hrs/week | $0 | $1,211,751 | $68,599 | $1,280,350 |
| Director / CFO MLH Director/trustee, 1.0 hrs/week | $0 | $913,866 | $216,067 | $1,129,933 |
| Secretary (Through 11/1/24) / General Counsel MLH Director/trustee, officer, 1.0 hrs/week | $0 | $890,361 | $37,268 | $927,629 |
| Director / SVP Deputy General Counsel JH Director/trustee, 1.0 hrs/week | $0 | $665,388 | $53,082 | $718,470 |
0 people received more than $100,000 in reportable compensation from Five Pointe Professional Liability Insurance Company co Wilmington Trust (Part VII, line 2).
6 years of filings
Form 990, Parts I, VII, IX and X · each row is that year's own filing, linkedGovernance answers, as filed
FY2025 · the organization's own yes/no answers; explanations, if any, are in Schedule O of the filing · what each means- Voting board members, and how many are independent Part VI, lines 1a–1b10 · 0 independent
- Audited financial statements Part XII 2bYes
- Conflict-of-interest policy Part VI 12aYes
- Whistleblower policy Part VI 13Yes
- Document retention policy Part VI 14Yes
- Independent process for top executive pay Part VI 15aNo
- Board given the 990 before filing Part VI 11aYes
- Family or business ties among insiders Part VI 2No
- Aware of a significant diversion of assets Part VI 5No
- Excess benefit transaction with an insider Part IV 25aNo
- Loans to or from insiders outstanding Part IV 26No
- Lobbying, or a 501(h) election in effect Part IV 4No
- Over $15,000 of professional fundraising services Part IV 18No
- Over $10,000 of activity outside the U.S. Part IV 14bYes
- Employees Part I, line 50
Correct a figure or respond
Every number above is copied from Five Pointe Professional Liability Insurance Company co Wilmington Trust's own Form 990. If one doesn't match the filing, that's our error and we'll fix it. If you work for Five Pointe Professional Liability Insurance Company co Wilmington Trust, you can publish a response that is linked from this page.
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Of every $100 Five Pointe Professional Liability Insurance Company co Wilmington Trust spent in FY2025, $98.59 went to programs. The full breakdown, from its IRS Form 990:
Questions people ask
How much of Five Pointe Professional Liability Insurance Company co Wilmington Trust's spending goes to programs?
In the fiscal year ending June 30, 2025, Five Pointe Professional Liability Insurance Company co Wilmington Trust reported that 98.6% of its $101.4 million in expenses went to program services, 1.4% to management and general and 0.0% to fundraising (Form 990, Part IX).
How much does Five Pointe Professional Liability Insurance Company co Wilmington Trust pay its top executive?
The largest total compensation Five Pointe Professional Liability Insurance Company co Wilmington Trust reported for one person in the fiscal year ending June 30, 2025 was $3,302,622, for the role of Director / President & CEO MLH (Form 990, Part VII, including compensation from related organizations and other compensation).
Where does Five Pointe Professional Liability Insurance Company co Wilmington Trust get its money?
Of $129.4 million in revenue in the fiscal year ending June 30, 2025, 0.0% came from contributions and grants and 69.1% from program service revenue (Form 990, Part VIII).
Is Five Pointe Professional Liability Insurance Company co Wilmington Trust a registered charity?
The IRS lists EIN 20-4191006 as a 501(c)(3) organization (supporting organization (509(a)(3))), and its records show contributions as tax-deductible. Form 990 filings on record here cover tax years 2019, 2020, 2021, 2022, 2023, 2024. A filing shows what the organization reported; it doesn't by itself show whether a program works.
Sources
- FY2025: Form 990 for the fiscal year ending June 30, 2025, object 202631359349310278 · read the filing
- FY2024: Form 990 for the fiscal year ending June 30, 2024, object 202531339349306948 · read the filing
- FY2023: Form 990 for the fiscal year ending June 30, 2023, object 202411349349309301 · read the filing
- FY2022: Form 990 for the fiscal year ending June 30, 2022, object 202311329349303416 · read the filing
- FY2021: Form 990 for the fiscal year ending June 30, 2021, object 202201329349304370 · read the filing
- FY2020: Form 990 for the fiscal year ending June 30, 2020, object 202141339349305039 · read the filing
All filings for EIN 20-4191006: ProPublica Nonprofit Explorer · IRS Tax Exempt Organization Search. Figures are as the organization reported them; we have not audited them.