INS AGENTS & BROKERS OF PENNSYLVANIA INC (EIN 231582076) - Form 990 Financial Analysis & Trantor Score

🔒

Financial Vulnerability Assessment (Tuckman-Chang)

4 risk indicators measuring financial stability and operational resilience

Sign in with your work email to view Tuckman-Chang indicators

Financial Trends

Organization Details

Formation Year

1945

Legal Domicile

Principal Officer

JASON F ERNEST

Phone

7177959100

Tax Period

2024-04-01 to 2025-03-31

INS AGENTS & BROKERS OF PENNSYLVANIA INC, founded in 1945, is a community nonprofit that reported $2.6M in total revenue in fiscal year 2024. Revenue grew 12% year-over-year, indicating healthy expansion. Expenses of $2.5M left a modest 5% surplus.

Mission

THE PURPOSE OF THE CORPORATION IS TO PROMOTE THE INTEREST, WELFARE AND COMMON GOOD OF THE INSURANCE AGENCY BUSINESS AND THE AMERICAN AGENCY SYSTEM.

🔒

Trantor Score

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

Sign in to view Trantor Score and financial metrics

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

Financial Overview (2024)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $1,573,567

Investment Income $200,625

Other Revenue $853,511

TOTAL REVENUE $2,627,703

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $1,025,252

Other Expenses $2,506,750

TOTAL EXPENSES $2,506,750

Year-over-Year Comparison

	2024	2023	Change
Revenue	$2,627,703	$2,352,737	+0.1%
Expenses	$2,506,750	$2,247,467	+0.1%
Net Income	$120,953	$105,270	+0.1%

Key Indicators

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

🔒

Financial Health Indicators

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

Financial Distress Indicator

Liquidity & Cash Position

Sign in to view all financial metrics

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

Governance

Voting Members

Independent Members

Employees

N/A

Volunteers

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

$638,356

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
JASON F ERNEST	PRESIDENT &	12.00	Officer	$0	$30,052	$362,102
KEITH E FOSTER	TREASURER &	12.00	Officer	$0	$19,017	$138,925
TIMOTHY A WONDER	SECRETARY	12.00	Officer	$0	$19,651	$137,329
CHRIS MILLER	CHAIR OF BOA	1.00	Director	$0	$0	$0
SARAH K DAWSON	DIRECTOR	1.00	Director	$0	$0	$0
BRUCE D KRAFT	DIRECTOR	1.00	Director	$0	$0	$0
SHAYNE MCINTOSH	DIRECTOR	1.00	Director	$0	$0	$0
BILL PURDY	DIRECTOR	1.00	Director	$0	$0	$0
DONNA ROPER	DIRECTOR	1.00	Director	$0	$0	$0
LISA PARRY BECKER	DIRECTOR	1.00	Director	$0	$0	$0
DAVID RIVELL	DIRECTOR	1.00	Director	$0	$0	$0
MICHAEL P GAETANO	DIRECTOR	1.00	Director	$0	$0	$0
MICHAEL MCGROARTY JR	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
2025	$2,627,703	$2,506,750	$6,935,207	$120,953
2024	$2,352,737	$2,247,467	$6,756,482	$105,270
2023	$2,170,730	$2,255,034	$6,042,204	$-84,304
2022	$2,426,813	$2,281,878	$6,872,120	$144,935
2021	$2,194,788	$2,025,004	$6,415,182	$169,784
2020	$2,824,718	$2,629,542	$5,774,583	$195,176
2019	$2,791,781	$2,787,362	$6,826,271	$4,419
2018	$2,707,598	$2,600,077	$6,596,563	$107,521

INS AGENTS & BROKERS OF PENNSYLVANIA INC