JOINT INSURANCE HEALTH PLAN TRUST FBO N RIDGEVILLE CITY SCHOOL DISTRICT EMPLO (EIN 311619780) - 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

1997

Legal Domicile

Principal Officer

PATRICK EAST

Phone

4403581804

Tax Period

2019-01-01 to 2019-12-31

JOINT INSURANCE HEALTH PLAN TRUST FBO N RIDGEVILLE CITY SCHOOL DISTRICT EMPLO, founded in 1997, is a community nonprofit that reported $1.4M in total revenue in fiscal year 2019. Revenue fell 73% from the prior year — a significant decline worth monitoring. Expenses of $1.6M exceeded revenue, resulting in a 12% operating deficit.

Mission

TO PROVIDE HEALTH COVERAGE FOR EMPLOYEES.

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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 (2019)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $1,161,133

Investment Income $16,835

Other Revenue $229,916

TOTAL REVENUE $1,407,884

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Other Expenses $635,201

TOTAL EXPENSES $1,583,277

Year-over-Year Comparison

	2019	2018	Change
Revenue	$1,407,884	$5,250,910	-0.7%
Expenses	$1,583,277	$5,234,693	-0.7%
Net Income	$-175,393	$16,217	-11.8%

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
AMY MCMILLIAN	TRUSTEE	1.00	Director	$0	$0	$0
JODY YOXTHIMER	TRUST CHAIR	1.00	Officer Director	$0	$0	$0
ROXANN RAMSEY-CASERIO	SUPERINTENDENT	1.00	Director	$0	$0	$0
TRACY ICE	TRUSTEE	1.00	Director	$0	$0	$0
SAM RUFENER	TRUSTEE	1.00	Director	$0	$0	$0
JUDY ANGELINE	TRUSTEE	1.00	Director	$0	$0	$0
CHUCK MAURER	4TH COMMITTEE MEMBER	1.00	Officer Director	$0	$0	$0
MIKE VERLINGO	VICE CHAIR	1.00	Officer Director	$0	$0	$0
MITCH HEFFRON	TRUSTEE	1.00	Director	$0	$0	$0
ANGELA DURBIN	SECRETARY	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
2019	$1,407,884	$1,583,277	No data	$-175,393
2018	$5,250,910	$5,234,693	$962,436	$16,217

JOINT INSURANCE HEALTH PLAN TRUST FBO N RIDGEVILLE CITY SCHOOL DISTRICT EMPLO