PENNSYLVANIA SURPLUS LINES ASSOCIATION (EIN 232209285) - 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

1982

Legal Domicile

Principal Officer

MARIE E RUDERT

Phone

6105941340

Tax Period

2023-01-01 to 2023-12-31

PENNSYLVANIA SURPLUS LINES ASSOCIATION, founded in 1982, is a community nonprofit that reported $2.9M in total revenue in fiscal year 2023. Revenue grew 8% year-over-year, indicating healthy expansion. The organization ran a surplus of $680K, a strong 23% operating margin.

Mission

REPRESENT INTERESTS OF RESIDENT AND NON-RESIDENT SURPLUS LINES LICENSEES TRANSACTING BUSINESS IN PA

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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 (2023)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $2,799,470

Investment Income $125,469

Other Revenue $0

TOTAL REVENUE $2,924,939

Expense Breakdown

Grants Paid $141,080

Salaries & Benefits $988,923

Fundraising Expenses $0

Program Expenses $2,244,895

Other Expenses $1,114,892

TOTAL EXPENSES $2,244,895

Year-over-Year Comparison

	2023	2022	Change
Revenue	$2,924,939	$2,697,401	+0.1%
Expenses	$2,244,895	$1,978,599	+0.1%
Net Income	$680,044	$718,802	-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

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

$385,573

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
LINDA BOBRO	PRESIDENT	2.00	Officer Director	$0	$0	$0
MISSY GREENBERG	VICE PRESIDENT	2.00	Officer Director	$0	$0	$0
GERALD HENNER	TREASURER	2.00	Officer Director	$0	$0	$0
MARY MARINES	SECRETARY	2.00	Officer Director	$0	$0	$0
BARRY KAUFFMANN	BOARD MEMBER	2.00	Director	$0	$0	$0
HARRY KING IV	BOARD MEMBER	2.00	Director	$0	$0	$0
JUDITH KLINGERMAN	BOARD MEMBER	2.00	Director	$0	$0	$0
DIANNE SPRAGUE	BOARD MEMBER	2.00	Director	$0	$0	$0
MARIE RUDERT	EXECUTIVE DIRECTOR	37.50	Officer	$191,761	$29,314	$221,075
MEGAN STINE	CHIEF FINANCIAL OFFICER	37.50	Officer	$148,811	$15,687	$164,498

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	No data	No data	No data	No data
2023	$2,924,939	$2,244,895	$8,763,320	$680,044
2022	$2,697,401	$1,978,599	$8,302,613	$718,802
2021	$2,501,288	$1,858,906	$6,996,866	$642,382
2020	$2,358,445	$1,867,856	$6,353,987	$490,589
2019	$2,373,992	$2,048,145	$5,858,287	$325,847
2018	$2,205,298	$2,092,745	$5,504,804	$112,553

PENNSYLVANIA SURPLUS LINES ASSOCIATION