Saginaw Health Plan (EIN 020618677) - Form 990 Financial Analysis & Trantor Score

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Financial Vulnerability Assessment (Tuckman-Chang)

4 risk indicators measuring financial stability and operational resilience

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Financial Trends

Organization Details

Formation Year

2002

Legal Domicile

Phone

9893413900

Tax Period

2017-10-01 to 2018-09-30

Saginaw Health Plan, founded in 2002, is a micro nonprofit that reported $92K in total revenue in fiscal year 2017. Revenue fell 63% from the prior year — a significant decline worth monitoring. Expenses of $472K exceeded revenue, resulting in a 410% operating deficit.

Mission

Assisted with low income persons becoming insured for health care

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Trantor Score

Financial Health Score (300–850) · Liquidity · Solvency · Sustainability · Efficiency

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Liquidity (40%) • Solvency (30%) • Sustainability (20%) • Efficiency (10%)

Financial Overview (2017)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $44,892

Investment Income $29,407

Other Revenue $18,122

TOTAL REVENUE $92,421

Expense Breakdown

Grants Paid $0

Salaries & Benefits $262,487

Fundraising Expenses $0

Program Expenses $147,602

Other Expenses $209,239

TOTAL EXPENSES $471,726

Year-over-Year Comparison

	2017	2016	Change
Revenue	$92,421	$249,487	-0.6%
Expenses	$471,726	$496,528	0.0%
Net Income	$-379,305	$-247,041	+0.5%

Key Indicators

✗ Grants to Organizations ✗ Grants to Individuals ✗ Lobbying ✗ Political Activity ✗ Foreign Activities ✗ Donor Advised Fund ✗ Schedule B Required

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Financial Health Indicators

Comprehensive financial analysis: Altman Z-Score, liquidity, solvency, sustainability, efficiency, and growth metrics

Financial Distress Indicator

Liquidity & Cash Position

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Altman Z-Score • Liquidity Ratios • Solvency Analysis • Growth Indicators • Efficiency Metrics

Governance

Voting Members

Independent Members

Employees

Volunteers

N/A

Governance Policies

✗ Conflict of Interest Policy

✗ Whistleblower Policy

✗ Document Retention Policy

Special Practices & Reported Activities

✗ Operated a School

✗ Operated a Hospital

✗ Provided First Class Travel

✗ Reported Conflict of Interest

✗ Reported Asset Diversion

✗ Excess Benefit Transaction

✗ Made Political Expenditures

✗ Engaged in Lobbying

✗ Operated Donor Advised Fund

✗ Maintained Art Collections

✗ Filed Form 720

Compensation of Officers, Directors & Key Employees

Total Officers

$43,352

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
Ken Streeter	Treasurer	0.00	Director	$0	$0	$0
Koren Thurston	Director	0.00	Director	$0	$0	$0
Collen Sproul	Chairman	0.00	Director	$0	$0	$0
Dr Toby Long	Director	0.00	Director	$0	$0	$0
Gayle Biederman	Director	0.00	Director	$0	$0	$0
Christina Harrington	Director	0.00	Director	$0	$0	$0
Jeanne Visuri	Director	0.00	Director	$0	$0	$0
Barbara MacGregor	Executive Dir.	40.00	Officer	$43,352	$0	$43,352

Note: Compensation data is self-reported by the organization on their Form 990. "Reportable Comp" includes salary, bonuses, and other reportable compensation from the organization and related organizations. "Other Comp" includes benefits, deferred compensation, and non-taxable benefits.

Historical Data

Year	Revenue	Expenses	Assets	Net Income
2018	$92,421	$471,726	$1,508,886	$-379,305

Saginaw Health Plan