MISSOURI INSURANCE COALITION

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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

1987

Legal Domicile

Principal Officer

BRANDON KOCH

Phone

5738934241

Tax Period

2024-01-01 to 2024-12-31

MISSOURI INSURANCE COALITION, founded in 1987, is a community nonprofit that reported $1.1M in total revenue in fiscal year 2024. Revenue grew 16% year-over-year, indicating healthy expansion. The organization ran a surplus of $224K, a strong 21% operating margin.

Mission

THE MISSOURI INSURANCE COALITION (MIC) IS A NONPROFIT GOVERNMENTAL AFFAIRS AND CONSUMER EDUCATION ORGANIZATION REPRESENTING THE INSURANCE INDUSTRY. MIC WAS ESTABLISHED TO FOSTER A BETTER UNDERSTANDING OF THE INSURANCE BUSINESS. MIC STRIVES TO IMPROVE THE REGULATORY CLIMATE AND MAINTAIN A FREE ENTERPRISE COMPETITIVE SYSTEM IN THE INSURANCE MARKETPLACE.

Program Service Accomplishments

Program 1

MISSOURI INSURANCE COALITION HOLDS MEETINGS TO INFORM MEMBERS OF MISSOURI LEGISLATIVE ACTIVITIES, REGULATIONS, LAWSUITS, AND OTHER MATTERS THAT MAY AFFECT THEIR BUSINESS.

Program 2

GOVERNMENTAL AFFAIRS INCLUDES A LEGISLATIVE COMMITTEE THAT REVIEWS LEGISLATIVE AND REGULATORY PROPOSALS PERTAINING TO INSURANCE AND ESTABLISHING THE COALITION'S GOVERNMENTAL AFFAIRS AGENDA. THE...

GOVERNMENTAL AFFAIRS INCLUDES A LEGISLATIVE COMMITTEE THAT REVIEWS LEGISLATIVE AND REGULATORY PROPOSALS PERTAINING TO INSURANCE AND ESTABLISHING THE COALITION'S GOVERNMENTAL AFFAIRS AGENDA. THE COALITION ACTIVELY PROMOTES ITS POSITION TO STATE LEGISLATORS AND REGULATORS.

Program 3

OTHER ACTIVITIES THAT PROMOTE THE INSURANCE INDUSTRY.

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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 $1,010,675

Investment Income $37,312

Other Revenue $4,181

TOTAL REVENUE $1,052,168

Expense Breakdown

Grants Paid $0

Salaries & Benefits $413,369

Fundraising Expenses $0

Other Expenses $414,824

TOTAL EXPENSES $828,193

Year-over-Year Comparison

	2024	2023	Change
Revenue	$1,052,168	$908,037	+0.2%
Expenses	$828,193	$778,937	+0.1%
Net Income	$223,975	$129,100	+0.7%

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

$239,450

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
BRANDON KOCH	EXECUTIVE DI	35.00	Officer	$215,738	$23,712	$239,450
JESS ALANIS	BOARD MEMBER	1.00	Director	$0	$0	$0
MARK ARNELL	BOARD MEMBER	1.00	Director	$0	$0	$0
PHIL ARNZEN	BOARD MEMBER	1.00	Director	$0	$0	$0
JACOB BLACK	BOARD MEMBER	1.00	Director	$0	$0	$0
NATALIE BRUNSON-WHEELER	EXEC COMM AT	1.00	Officer Director	$0	$0	$0
ALEX CURCHIN	BOARD MEMBER	1.00	Director	$0	$0	$0
KIM DECKER	VICE CHAIR	1.00	Officer Director	$0	$0	$0
MARK DUNCAN	SECRETARY	1.00	Officer Director	$0	$0	$0
WALTER GONZALES	BOARD MEMBER	1.00	Director	$0	$0	$0
JOSH HAYNES	BOARD MEMBER	1.00	Director	$0	$0	$0
DAVID HILL	TREASURER	1.00	Officer Director	$0	$0	$0
JEFF JUNKAS	BOARD MEMBER	1.00	Director	$0	$0	$0
CHRIS KESPOHL	BOARD MEMBER	1.00	Director	$0	$0	$0
LARRY LAMBERT	BOARD MEMBER	1.00	Director	$0	$0	$0
ANDREA LOCKRIDGE	IMM PAST CHA	1.00	Officer Director	$0	$0	$0
LANCE MAYBERRY	BOARD MEMBER	1.00	Director	$0	$0	$0
CHRIS MEREDITH	BOARD MEMBER	1.00	Director	$0	$0	$0
DAVID MONAGHAN	CHAIR	1.00	Officer Director	$0	$0	$0
ANGIE NELSON	BOARD MEMBER	1.00	Director	$0	$0	$0
CLAIRE OWEN	BOARD MEMBER	1.00	Director	$0	$0	$0
ROGER PECHER	BOARD MEMBER	1.00	Director	$0	$0	$0
LISA PIERCE	BOARD MEMBER	1.00	Director	$0	$0	$0
JASON RUDIS	BOARD MEMBER	1.00	Director	$0	$0	$0
MICHAEL STERN	EXEC COMM AT	1.00	Officer Director	$0	$0	$0
JOE THESING	BOARD MEMBER	1.00	Director	$0	$0	$0
BRIAN WALLER	EXEC COMM AT	1.00	Officer Director	$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
2024	$1,052,168	$828,193	$1,298,824	$223,975
2023	$908,037	$778,937	$1,075,093	$129,100
2022	$807,775	$756,199	$915,340	$51,576
2021	$655,999	$664,382	$859,114	$-8,383
2020	$819,339	$688,576	$866,096	$130,763
2019	$772,376	$880,888	$735,872	$-108,512
2018	$777,863	$1,041,833	$1,085,323	$-263,970