MISSOURI PRIVATE SECTOR INDIVIDUAL SELF-INSURERS GUARANTY CORPORATION (EIN 431625066) - 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

1992

Legal Domicile

Phone

5734244490

Tax Period

2024-01-01 to 2024-12-31

MISSOURI PRIVATE SECTOR INDIVIDUAL SELF-INSURERS GUARANTY CORPORATION, founded in 1992, is a small nonprofit in the Community Improvement sector that reported $258K in total revenue in fiscal year 2024. Revenue surged 97% from the prior year, signaling strong growth momentum. The organization ran a surplus of $58K, a strong 23% operating margin.

Mission

MANAGES AND DISTRIBUTES WORKERS COMPENSATION PAYMENTS FOR SELF-INSURED COMPANIES, AS REQUIRED BY LAW

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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 $1,792

Program Service Revenue $8,438

Investment Income $247,940

Other Revenue $0

TOTAL REVENUE $258,170

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Other Expenses $199,885

TOTAL EXPENSES $199,885

Year-over-Year Comparison

	2024	2023	Change
Revenue	$258,170	$131,375	+1.0%
Expenses	$199,885	$713,668	-0.7%
Net Income	$58,285	$-582,293	-1.1%

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
TABITHA BONO	Board Member	0.50	Director	$0	$0	$0
DAVID WAUGH	Secretary	0.50	Officer Director	$0	$0	$0
CURTIS BUTRICK	Treasurer	1.00	Officer Director	$0	$0	$0
DOUGLAS LADAGE	Chairman	0.50	Officer Director	$0	$0	$0
CHRISTINA BOSECHERT	Vice Chairman	0.50	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	$258,170	$199,885	$6,586,494	$58,285
2023	$131,375	$713,668	$6,528,209	$-582,293
2022	$92,633	$1,136,014	$7,110,502	$-1,043,381
2021	$461,354	$1,060,183	$8,153,883	$-598,829
2020	$2,033,098	$645,306	$8,752,712	$1,387,792
2019	$120,373	$290,685	$7,364,920	$-170,312
2018	$142,042	$3,556,936	$7,535,232	$-3,414,894

MISSOURI PRIVATE SECTOR INDIVIDUAL SELF-INSURERS GUARANTY CORPORATION