Five Pointe Professional Liability Insurance Company co Wilmington Trust (EIN 204191006) - 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

2006

Legal Domicile

Phone

8028642037

Tax Period

2022-07-01 to 2023-06-30

Five Pointe Professional Liability Insurance Company co Wilmington Trust, founded in 2006, is a major nonprofit in the Health Care sector that reported $135.4M in total revenue in fiscal year 2022. Revenue surged 183% from the prior year, signaling strong growth momentum.

Mission

THE COMPANY IS A NON-PROFIT SPONSORED CAPTIVE INSURANCE COMPANY ORGANIZED AND OPERATED EXCLUSIVELY FOR THE CHARITABLE PURPOSES FOR THE BENEFIT OF ITS MEMBER ORGANIZATIONS. THE CORPORATION SERVES AS AN INTEGRAL PART OF AND FURTHERS THE EXEMPT PURPOSES OF its members, charitable HOSPITALS and RELATED healthcare organizations BY PROVIDING "SELF-INSURANCE" PROFESSIONAL LIABILITY COVERAGE FOR CERTAIN HOSPITALS AND HEALTHCARE ENTITIES DESCRIBED IN IRC SECTION 501(C)(3). THE MEMBERS ARE MAIN LINE HOSPITALS, INC., Riddle Memorial Hospital, THOMAS JEFFERSON UNIVERSITY HOSPITALS, INC., AND Magee REHABILITATION HOSPITAL.

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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 (2022)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $129,685,250

Investment Income $5,681,294

Other Revenue $0

TOTAL REVENUE $135,366,544

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $137,948,071

Other Expenses $138,953,031

TOTAL EXPENSES $138,953,031

Year-over-Year Comparison

	2022	2021	Change
Revenue	$135,366,544	$47,889,541	+1.8%
Expenses	$138,953,031	$59,240,667	+1.3%
Net Income	$-3,586,487	$-11,351,126	-0.7%

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

$5,903,424

Total Directors

$10,279,908

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
N/A	DIRECTOR, SECRETARY	1.0	Officer Director	$0	$150,998	$871,651
N/A	DIRECTOR, PRESIDENT	10.0	Officer Director	$0	$28,098	$464,795
N/A	Director, Treasurer (Beginning 6/29/23)	1.0	Officer Director	$0	$0	$0
N/A	DIRECTOR, CHAIRMAN	1.0	Officer Director	$0	$161,630	$1,110,735
N/A	DIRECTOR, TREASURER (Through 3/31/23)	1.0	Officer Director	$0	$230,324	$2,407,915
N/A	DIRECTOR	1.0	Director	$0	$194,896	$1,569,842
N/A	DIRECTOR	1.0	Director	$0	$597,253	$2,602,428
N/A	DIRECTOR	1.0	Director	$0	$0	$0
N/A	Director	1.0	Director	$0	$47,717	$399,888
N/A	DIRECTOR	1.0	Director	$0	$34,929	$852,654
N/A	CHIEF INVESTMENT OFFICER	1.0	Officer	$0	$59,929	$1,048,328
N/A	Assistant Secretary (beginning 7/1/22)	1.0	Officer	$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
2025	No data	No data	No data	No data
2024	No data	No data	No data	No data
2023	$135,366,544	$138,953,031	$393,050,212	$-3,586,487
2022	$47,889,541	$59,240,667	$232,485,102	$-11,351,126
2021	$45,761,537	$46,277,350	$241,906,004	$-515,813
2020	$42,434,830	$30,232,201	$212,943,544	$12,202,629
2019	$38,509,637	$25,237,588	$219,953,751	$13,272,049
2018	$39,397,947	$16,283,921	$217,042,683	$23,114,026

Five Pointe Professional Liability Insurance Company co Wilmington Trust