Missouri Insurance Education Foundation (EIN 431576324) - 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

1991

Legal Domicile

Principal Officer

LEWIS E MELAHN

Phone

5738934234

Tax Period

2020-01-01 to 2020-12-31

Missouri Insurance Education Foundation, founded in 1991, is a micro nonprofit in the Education sector that reported $28K in total revenue in fiscal year 2020. Revenue fell 32% from the prior year — a significant decline worth monitoring. Expenses of $52K exceeded revenue, resulting in a 84% operating deficit.

Mission

EDUCATIONAL ASSISTANCE TO MISSOURI STUDENTS

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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 $19,967

Program Service Revenue $0

Investment Income $7,999

Other Revenue $0

TOTAL REVENUE $27,966

Expense Breakdown

Grants Paid $11,500

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $36,500

Other Expenses $40,056

TOTAL EXPENSES $51,556

Year-over-Year Comparison

	2020	2019	Change
Revenue	$27,966	$41,201	-0.3%
Expenses	$51,556	$37,474	+0.4%
Net Income	$-23,590	$3,727	-7.3%

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

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

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
DIANE KIDWELL	DIRECTOR	0.1	Director	$0	$0	$0
SHELLEY SMITH	DIRECTOR	0.1	Director	$0	$0	$0
LEWIS E MELAHN	TREASURER	0.1	Officer Director	$0	$0	$0
PERRY HECKEMEYER	DIRECTOR	0.1	Director	$0	$0	$0
MIKE PADAWER	DIRECTOR	0.1	Director	$0	$0	$0
RUSSELL K MEEK	DIRECTOR	0.1	Director	$0	$0	$0
DON WILSON	PRESIDENT	0.1	Officer Director	$0	$0	$0
CHRISTOPHER MILLER	DIRECTOR	0.1	Director	$0	$0	$0
ANN MONACO WARREN	VICE PRESIDENT	0.1	Officer Director	$0	$0	$0
KEVIN GAMBLE	DIRECTOR	0.1	Director	$0	$0	$0
TRAVIS FORD	SECRETARY	0.1	Officer Director	$0	$0	$0
STEVE C DIVINE	DIRECTOR	0.1	Director	$0	$0	$0
MATT BARTON	DIRECTOR	0.1	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
2020	$27,966	$51,556	$227,689	$-23,590

Missouri Insurance Education Foundation