PROPERTY LOSS RESEARCH BUREAU (EIN 361516660) - 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

1977

Legal Domicile

Principal Officer

BRYAN FALCHUK

Phone

6307242200

Tax Period

2023-01-01 to 2023-12-31

PROPERTY LOSS RESEARCH BUREAU, founded in 1977, is a mid-sized nonprofit that reported $13.2M in total revenue in fiscal year 2023. Revenue grew 16% year-over-year, indicating healthy expansion. Expenses of $11.3M left a modest 14% surplus.

Mission

RESOURCING THE PROPERTY AND CASUALTY INSURANCE INDUSTRY THROUGH CONSULTING AND TRAINING.

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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 $857,379

Program Service Revenue $11,598,202

Investment Income $722,428

Other Revenue $5,278

TOTAL REVENUE $13,183,287

Expense Breakdown

Grants Paid $0

Salaries & Benefits $8,072,876

Fundraising Expenses $0

Other Expenses $3,241,237

TOTAL EXPENSES $11,314,113

Year-over-Year Comparison

	2023	2022	Change
Revenue	$13,183,287	$11,373,388	+0.2%
Expenses	$11,314,113	$10,071,995	+0.1%
Net Income	$1,869,174	$1,301,393	+0.4%

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

300

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

$1,566,266

Total Directors

Key Employees

$975,151

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
PAUL EDWARDS	DIRECTOR	1.00	Director	$0	$0	$0
TIM CONSTIEN	DIRECTOR	1.00	Director	$0	$0	$0
BRYON NELSON	DIRECTOR	1.00	Director	$0	$0	$0
SHANNON O'BRIEN	DIRECTOR	1.00	Director	$0	$0	$0
MEG WEIST	DIRECTOR	1.00	Director	$0	$0	$0
SEAN MCSWEENY	DIRECTOR	1.00	Director	$0	$0	$0
BRYAN FALCHUK	PRESIDENT & CEO & INTERIM TREASURER	36.00	Officer	$649,651	$94,204	$743,855
LEONARD MURPHY	SENIOR VP & GENERAL COUNSEL	36.00	Officer	$328,615	$116,094	$444,709
ELIZABETH STERNE	SENIOR VP PROPERTY LEGAL SERVICES & SECRETARY	36.00	Officer	$294,720	$82,982	$377,702
RICHARD LONG	CHAIRMAN	1.00	Officer	$0	$0	$0
JEFFREY KERENSKY	SENIOR VP - MEMBERSHIP	36.00	Key Emp	$296,729	$92,262	$388,991
MICHAEL BRODE	VP MEETINGS & EDUCATION	36.00	Key Emp	$218,565	$78,290	$296,855
PETER BECKER	VP INFORMATION SERVICES	36.00	Key Emp	$248,240	$41,065	$289,305
PAUL DISPENSA	VP - MEMBERSHIP (THRU 4/30/24)	36.00	Highest	$204,421	$19,344	$223,765
THOMAS O' DOWD	SENIOR MARKETING & EXHIBITS MANGER	36.00	Highest	$135,007	$68,189	$203,196
RANSELLA WAGNER	CA COUNSEL & LAW REVIEW EDITOR	36.00	Highest	$126,581	$66,671	$193,252
KATHRYN JENSEN	COUNSEL & SENIOR EDITOR	36.00	Highest	$129,753	$37,723	$167,476
DAVID FOX	COUNSEL	36.00	Highest	$124,278	$36,390	$160,668

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	$13,183,287	$11,314,113	$30,542,376	$1,869,174
2022	$11,373,388	$10,071,995	$31,019,563	$1,301,393
2021	$8,342,411	$8,612,357	$29,282,847	$-269,946
2020	$7,414,821	$8,927,574	$29,093,542	$-1,512,753
2019	$10,399,174	$9,793,368	$29,850,908	$605,806

PROPERTY LOSS RESEARCH BUREAU