NATIONAL MUTUAL BENEFIT (EIN 390494090) - 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

1916

Legal Domicile

Principal Officer

Daniel L Shinnick

Phone

6088331936

Tax Period

2020-01-01 to 2020-12-31

NATIONAL MUTUAL BENEFIT, founded in 1916, is a mid-sized nonprofit that reported $36.7M in total revenue in fiscal year 2020.

Mission

Fraternal Benefit Society - As a fraternal benefit insurance society, our mission is to provide meaningful fraternal programs and benefits for our members as well as high quality insurance products and services. We strengthen our members fraternally through charitable, educational and volunteer programs that encourage family values, help improve communities, support patriotism for our country and help others in need.

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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 (2020)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $36,708,977

Investment Income $0

Other Revenue $0

TOTAL REVENUE $36,708,977

Expense Breakdown

Grants Paid $0

Salaries & Benefits $5,658,744

Fundraising Expenses $0

Program Expenses $38,443,654

Other Expenses $8,421,853

TOTAL EXPENSES $38,443,654

Year-over-Year Comparison

	2020	2019	Change
Revenue	$36,708,977	$36,172,507	+0.0%
Expenses	$38,443,654	$35,733,683	+0.1%
Net Income	$-1,734,677	$438,824	-5.0%

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

105

Volunteers

3548

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

$1,669,302

Total Directors

$720,213

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
Daniel L Shinnick	President/CEO	40	Officer Director	$390,087	$91,262	$481,349
Steven G Reindl	SVP-Finance/Secretary/Treasurer	40	Officer	$257,491	$60,208	$317,699
Jared M Bruley	SVP-Member Acquisition	40	Officer	$176,904	$45,097	$222,001
Anne D Rogers	Vice President - Fraternal	40	Officer	$135,267	$76,710	$211,977
Eric D Garland	GM-Independent Agencies	40	Highest	$138,211	$26,650	$164,861
Jenna M Dunker	SVP-Market Development	40	Officer	$114,291	$23,375	$137,666
Brian M Passehl	Sales Director	40	Highest	$111,993	$8,959	$120,952
Michelle M Maffet	VP-Member Services	40	Officer	$101,008	$11,332	$112,340
George F Yanna	Former Director	0		$96,275	$12,236	$108,511
Nicolas O McCullick	VP-Change Champions	40	Officer	$95,532	$8,576	$104,108
John T McHugh Jr	Independent Director	3	Director	$49,453	$43,940	$93,393
Ellie H Roekle	VP-Human Resources	40	Officer	$44,978	$12,597	$57,575
Maureen A O'Hern Hahn	Independent Director	3	Director	$48,928	$0	$48,928
Nancy Nelson Heykes	Independent Director	3	Director	$48,403	$0	$48,403
Thomas R Johnson	Independent Director	3	Director	$48,140	$0	$48,140
John E Rashke	Former Director	0		$34,625	$0	$34,625
Angel L Thomas	SVP-Member Experience	40	Officer	$20,985	$1,679	$22,664
Susan Sachatello	VP-Member Engagement	40	Officer	$1,923	$0	$1,923

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
2020	$36,708,977	$38,443,654	No data	$-1,734,677
2019	$36,172,507	$35,733,683	$344,960,028	$438,824
2018	$37,820,673	$36,028,952	$342,336,050	$1,791,721

NATIONAL MUTUAL BENEFIT