Vermont Insurance Agents Assoc Inc (EIN 030213935) - 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

1958

Legal Domicile

Principal Officer

Mark Male

Phone

8022295884

Tax Period

2024-01-01 to 2024-12-31

Vermont Insurance Agents Assoc Inc, founded in 1958, is a small nonprofit that reported $303K in total revenue in fiscal year 2024. Expenses of $281K left a modest 7% surplus.

Mission

To promote and represent the common business interest of independent insurance agents within industry and before government and the public, consistent with the best interest of the insurance buying public.

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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 (2024)

Revenue Breakdown

Contributions & Grants $80,025

Program Service Revenue $192,219

Investment Income $14,664

Other Revenue $16,273

TOTAL REVENUE $303,181

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Other Expenses $281,459

TOTAL EXPENSES $281,459

Year-over-Year Comparison

	2024	2023	Change
Revenue	$303,181	$310,541	0.0%
Expenses	$281,459	$291,569	0.0%
Net Income	$21,722	$18,972	+0.1%

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

N/A

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

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
Mark Male	Managing Dir.	15.00	Director	$0	$0	$0
Jessica Fleury	Past President	1.00	Director	$0	$0	$0
Aislyn Allen	Vice President	1.00	Officer Director	$0	$0	$0
Pat Cahoon	Treasurer	1.00	Officer Director	$0	$0	$0
Laurie Audy	Secretary	1.00	Officer Director	$0	$0	$0
Audrey Macie	Director	1.00	Director	$0	$0	$0
Michael Barrett	Director	1.00	Director	$0	$0	$0
Ian Sutherland	President	1.00	Officer Director	$0	$0	$0

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
2024	$303,181	$281,459	$647,095	$21,722
2023	$310,541	$291,569	$639,203	$18,972
2022	$351,583	$349,833	$612,583	$1,750
2021	$348,597	$295,186	$614,306	$53,411
2021	No data	$662	$548,608	No data
2020	$397,931	$295,943	$570,603	$101,988
2019	$499,829	$457,104	$454,191	$42,725
2018	$601,712	$540,375	$454,466	$61,337

Vermont Insurance Agents Assoc Inc