ROSS COUNTY SCHOOL EMPLOYEES INS CONSORTIUM HEALTH & WELFARE (EIN 367394967) - 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

1990

Legal Domicile

Principal Officer

Erin Kirby

Phone

7407023120

Tax Period

2024-07-01 to 2025-06-30

ROSS COUNTY SCHOOL EMPLOYEES INS CONSORTIUM HEALTH & WELFARE, founded in 1990, is a mid-sized nonprofit in the Mutual Benefit sector that reported $17.0M in total revenue in fiscal year 2024. Revenue grew 9% year-over-year, indicating healthy expansion. Expenses of $15.8M left a modest 7% surplus.

Mission

Self funded school insurance consortium

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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 (2024)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $16,889,992

Investment Income $65,245

Other Revenue $0

TOTAL REVENUE $16,955,237

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $0

Other Expenses $15,809,786

TOTAL EXPENSES $15,809,786

Year-over-Year Comparison

	2024	2023	Change
Revenue	$16,955,237	$15,505,256	+0.1%
Expenses	$15,809,786	$14,534,726	+0.1%
Net Income	$1,145,451	$970,530	+0.2%

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

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
Brian Justice	Chair	1.00	Officer	$0	$0	$0
Erin Kirby	Fiscal Agent	5.00	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	$16,955,237	$15,809,786	$2,781,655	$1,145,451
2024	$15,505,256	$14,534,726	$1,636,204	$970,530
2023	$14,774,974	$15,088,801	$665,674	$-313,827
2022	$14,711,499	$15,566,126	$979,501	$-854,627
2021	$13,220,090	$13,728,600	$1,834,128	$-508,510
2020	$12,858,042	$13,074,930	$2,342,638	$-216,888

ROSS COUNTY SCHOOL EMPLOYEES INS CONSORTIUM HEALTH & WELFARE