Berry & Roxbury Mutual Insurance Company (EIN 391052956) - 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

1905

Legal Domicile

Principal Officer

L Peter Wolf

Phone

6087984766

Tax Period

2022-01-01 to 2022-12-31

Berry & Roxbury Mutual Insurance Company, founded in 1905, is a small nonprofit that reported $284K in total revenue in fiscal year 2022. Revenue surged 29% from the prior year, signaling strong growth momentum. The organization ran a surplus of $49K, a strong 17% operating margin.

Mission

Insurance company with gross receipts not exceeding 600,000, more than 50 percent of which consist of premiums.

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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 (2022)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $248,570

Investment Income $26,221

Other Revenue $8,803

TOTAL REVENUE $283,594

Expense Breakdown

Grants Paid $0

Salaries & Benefits $128,938

Fundraising Expenses $0

Other Expenses $105,975

TOTAL EXPENSES $234,913

Year-over-Year Comparison

	2022	2021	Change
Revenue	$283,594	$219,671	+0.3%
Expenses	$234,913	$177,988	+0.3%
Net Income	$48,681	$41,683	+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

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

$53,956

Total Directors

$95,032

Key Employees

$21,667

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
L Peter Wolf	Secretary - Treasurer	015.00	Officer Director	$38,501	$0	$38,501
Paul Endres	Director	001.00	Director	$26,676	$0	$26,676
Karen Wolf	Employee	001.00	Key Emp	$21,667	$0	$21,667
Gary Wipperfurth	President	001.00	Officer Director	$10,520	$0	$10,520
Robert Clason	Vice President	001.00	Officer Director	$4,935	$0	$4,935
Marvin Frey	Director	001.00	Director	$3,600	$0	$3,600
Carl Ketelbeoter	Director	001.00	Director	$3,300	$0	$3,300
Roger Kahl	Director	001.00	Director	$2,850	$0	$2,850
Nicholas Wipperfurth	Director	001.00	Director	$2,700	$0	$2,700
Richard Wipperfurth	Director	001.00	Director	$1,950	$0	$1,950

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
2022	$283,594	$234,913	$1,992,729	$48,681
2021	$219,671	$177,988	$2,030,689	$41,683
2020	$233,131	$193,493	$1,961,739	$39,638

Berry & Roxbury Mutual Insurance Company