BOSTON MEDICAL CENTER INSURANCE CO LTD OF VERMONT (EIN 201810549) - 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

2004

Legal Domicile

Principal Officer

SCOTT FRIEDMAN

Phone

8028601958

Tax Period

2018-10-01 to 2019-09-30

BOSTON MEDICAL CENTER INSURANCE CO LTD OF VERMONT, founded in 2004, is a micro nonprofit in the Health Care sector that reported $1K in total revenue in fiscal year 2018. Revenue fell 100% from the prior year — a significant decline worth monitoring. Expenses of $13K exceeded revenue, resulting in a 995% operating deficit.

Mission

TO PROVIDE REINSURANCE COVERAGE FOR BOSTON MEDICAL CENTER CORPORATION AND BOSTON MEDICAL CENTER HEALTH PLAN, INC.

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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 (2018)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $0

Investment Income $1,175

Other Revenue $0

TOTAL REVENUE $1,175

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Other Expenses $12,869

TOTAL EXPENSES $12,869

Year-over-Year Comparison

	2018	2017	Change
Revenue	$1,175	$4,538,071	-1.0%
Expenses	$12,869	$-1,005,823	-1.0%
Net Income	$-11,694	$5,543,894	-1.0%

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

$1,518,958

Total Directors

$3,137,074

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
SUSAN COAKLEY	PRESIDENT (TO FEB '19)	1.00	Officer Director	$0	$50,103	$696,546
SCOTT FRIEDMAN	PRESIDENT, TREASURER	1.00	Officer Director	$0	$51,762	$238,243
DAVID BECK	SECRETARY	1.00	Officer Director	$0	$87,198	$584,169
WILLIAM CREEVY	DIRECTOR	1.00	Director	$0	$57,759	$1,192,333
MICHAEL GUERRIERE	DIRECTOR	1.00	Director	$0	$32,960	$425,783
DAVID LITTLEHALE	DIRECTOR	1.00	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
2019	$1,175	$12,869	$73,469	$-11,694
2018	$4,538,071	$-1,005,823	$5,065,320	$5,543,894

BOSTON MEDICAL CENTER INSURANCE CO LTD OF VERMONT