DAKOTA COUNTY UNITED EDUCATORS DEN… - Form 990 Financial Data

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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

1996

Legal Domicile

Principal Officer

KATE SCHMIDT

Phone

9524324033

Tax Period

2024-09-01 to 2025-08-31

DAKOTA COUNTY UNITED EDUCATORS DENTAL REIMBURSEMENT FUND, founded in 1996, is a community nonprofit that reported $2.5M in total revenue in fiscal year 2024. Expenses of $2.4M left a modest 4% surplus.

Mission

DENTAL REIMBURSEMENT FUND

Program Service Accomplishments

Program 1

THE FUND PROVIDES REIMBURSEMENT FOR CERTAIN DENTAL CARE EXPENSES THAT ARE NOT OTHERWISE COVERED BY THE EMPLOYEE'S MEDICAL OR OTHER DENTAL INSURANCE PLAN FOR ELIGIBLE EMPLOYEES AND ELIGIBLE DEPENDENTS OF EMPLOYEES. THE FUND PROVIDES REIMBURSEMENT BENEFITS FOR FULL-TIME EMPLOYEES OF INDEPENDENT SCHOOL DISTRICT 196 AND ALSO PROVIDES REIMBURSEMENT BENEFITS TO PART-TIME EMPLOYEES, EMPLOYEES ON LEAVE OF ABSENCE, DISABILITY AND RETIREES, BUT REQUIRES THAT THE EMPLOYEE PAY ALL OR PART OF THE MONTHLY PREMIUM OUT-OF- POCKET. TERMINATED EMPLOYEES ARE ALSO PROVIDED REIMBURSEMENT BENEFITS FOR A PERIOD AFTER THE DATE OF TERMINATION.

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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 $2,473,029

Investment Income $52,274

Other Revenue $0

TOTAL REVENUE $2,525,303

Expense Breakdown

Grants Paid $0

Salaries & Benefits $170,035

Fundraising Expenses $0

Other Expenses $37,035

TOTAL EXPENSES $2,432,045

Year-over-Year Comparison

	2024	2023	Change
Revenue	$2,525,303	$2,478,088	+0.0%
Expenses	$2,432,045	$2,363,420	+0.0%
Net Income	$93,258	$114,668	-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

$92,714

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
KATE SCHMIDT	PRESIDENT	1.00	Officer Director	$0	$0	$0
JENIFER STEHR	TRUSTEE	0.10	Director	$0	$0	$0
SHAUN LINDQUIST	TRUSTEE	0.10	Director	$0	$0	$0
ANGELA MAHOWALD	TRUSTEE	0.10	Director	$0	$0	$0
THOMAS GALLAHER	TRUSTEE	0.10	Director	$0	$0	$0
PEGGY RINGGENBERG	TRUSTEE	0.10	Director	$0	$0	$0
EMMA RYAN	TRUSTEE	0.10	Director	$0	$0	$0
JUSTINE KOLB	FUND ADMINIS	40.00	Officer	$72,474	$20,240	$92,714

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	$2,525,303	$2,432,045	$1,707,510	$93,258
2024	$2,478,088	$2,363,420	$1,611,177	$114,668
2023	$2,399,636	$2,245,675	$1,592,678	$153,961
2022	$2,308,019	$2,137,773	$1,427,501	$170,246
2021	$2,253,288	$2,177,697	$1,310,164	$75,591
2020	$2,090,641	$1,942,251	$1,244,831	$148,390
2019	$1,850,020	$2,153,752	$1,118,175	$-303,732
2018	$1,809,489	$2,178,807	$1,431,063	$-369,318

DAKOTA COUNTY UNITED EDUCATORS DENTAL REIMBURSEMENT FUND