SHELTERED WORKSHOP INSURANCE OF MISSOURI C/O ARTHUR J GALLAGHER MGM (EIN 431589616) - 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

LAUREN HALL

Phone

3148002245

Tax Period

2024-01-01 to 2024-12-31

SHELTERED WORKSHOP INSURANCE OF MISSOURI C/O ARTHUR J GALLAGHER MGM, founded in 1991, is a community nonprofit that reported $1.6M in total revenue in fiscal year 2024. Revenue decreased 19% compared to the prior year. Expenses of $2.0M exceeded revenue, resulting in a 24% operating deficit.

Mission

MANAGE A WORKER'S COMPENSATION RISK POOL FOR TAX EXEMPT SHELTERED WORKSHOPS AND VOCATIONAL REHABILITATION ORGANIZATIONS.

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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 $1,393,436

Investment Income $187,787

Other Revenue $0

TOTAL REVENUE $1,581,223

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $1,576,690

Other Expenses $938,414

TOTAL EXPENSES $1,964,586

Year-over-Year Comparison

	2024	2023	Change
Revenue	$1,581,223	$1,957,352	-0.2%
Expenses	$1,964,586	$1,347,602	+0.5%
Net Income	$-383,363	$609,750	-1.6%

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
ROB LIBERA	VICE CHAIRMA	N/A	Officer Director	$0	$0	$0
JAMI WASHBURN	SECRETARY	N/A	Officer Director	$0	$0	$0
BRUCE YOUNG	TREASURER	N/A	Officer Director	$0	$0	$0
LAUREN HALL	CHAIRMAN	N/A	Officer Director	$0	$0	$0
ANGELA HUDGENS	DIRECTOR	N/A	Director	$0	$0	$0
TIM POEPSEL	DIRECTOR	N/A	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	$1,581,223	$1,964,586	$6,525,178	$-383,363
2023	$1,957,352	$1,347,602	$6,551,845	$609,750
2022	$1,661,827	$1,408,821	$5,790,968	$253,006
2021	$1,613,420	$1,053,911	$5,828,569	$559,509
2020	$1,570,849	$1,090,280	$5,622,822	$480,569
2019	$1,690,371	$1,380,756	$4,965,148	$309,615
2018	$1,714,199	$1,477,508	$4,780,776	$236,691

SHELTERED WORKSHOP INSURANCE OF MISSOURI C/O ARTHUR J GALLAGHER MGM