COMMON GROUND HEALTHCARE COOPERATIVE (EIN 453309488) - 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

2011

Legal Domicile

Principal Officer

CATHY MAHAFFEY

Phone

9372243300

Tax Period

2024-01-01 to 2024-12-31

COMMON GROUND HEALTHCARE COOPERATIVE, founded in 2011, is a major nonprofit in the Health Care sector that reported $439.4M in total revenue in fiscal year 2024.

Mission

PROVIDE AFFORDABLE HEALTH INSURANCE SOLUTIONS TO SMALL BUS., INDIVIDUALS & NON-PROFITS IN WI.

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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 $431,946,271

Investment Income $5,920,392

Other Revenue $1,529,021

TOTAL REVENUE $439,395,684

Expense Breakdown

Grants Paid $15,700

Salaries & Benefits $16,813,866

Fundraising Expenses $0

Other Expenses $432,026,772

TOTAL EXPENSES $448,856,338

Year-over-Year Comparison

	2024	2023	Change
Revenue	$439,395,684	$459,376,168	0.0%
Expenses	$448,856,338	$450,360,338	0.0%
Net Income	$-9,460,654	$9,015,830	-2.0%

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

142

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

$2,892,357

Total Directors

$104,340

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
TONNI LARSON	BOARD CHAIR	6.00	Director	$13,320	$0	$13,320
AMY MURPHY	BOARD VICE-CHAIR	1.00	Director	$11,100	$0	$11,100
KEVIN GILLIGAN	SECRETARY/TREASURER	1.00	Director	$8,880	$0	$8,880
BECKY TUCHSCHERER	DIRECTOR	1.00	Director	$8,880	$0	$8,880
CHERYL THOMAS	DIRECTOR	1.00	Director	$8,880	$0	$8,880
DAVID STRAM	DIRECTOR	1.00	Director	$8,880	$0	$8,880
DEAN SCHADRIE	DIRECTOR	1.00	Director	$8,880	$0	$8,880
MICHAEL WINKLER	DIRECTOR	1.00	Director	$8,880	$0	$8,880
WILLIAM KORT	DIRECTOR	1.00	Director	$8,880	$0	$8,880
JAMES WESP	NON-VOTING DIRECTOR	1.00	Director	$8,880	$0	$8,880
JOHN MAGLIO	NON-VOTING DIRECTOR	1.00	Director	$8,880	$0	$8,880
CATHY MAHAFFEY	CEO	40.00	Officer	$991,516	$58,975	$1,050,491
BRIAN DAMIANI	CIO	40.00	Officer	$362,785	$62,741	$425,526
BRIAN GARTNER	CHIEF OF STAFF	40.00	Officer	$337,561	$37,538	$375,099
JESSICA KOTTWITZ	CAO - CHIEF ADMINISTRATIVE OFFICER	40.00	Officer	$290,559	$37,075	$327,634
MELISSA HENDERSON	CCO - CHIEF COMPLIANCE OFFICER	40.00	Officer	$310,104	$19,776	$329,880
TODD HUTCHISON	CFO	40.00	Officer	$320,138	$63,589	$383,727
AARON JACKSON	VP PROVIDER CONTRACTING & STRATEGY	40.00	Highest	$266,555	$20,164	$286,719
JENNIFER WALKOWIAK	VP OF BUSINESS DEVELOPMENT	40.00	Highest	$228,297	$31,551	$259,848
SCOTT BERGMAN	CONTROLLER	40.00	Highest	$180,907	$42,533	$223,440
SHELLY JOHNSON	HEALTH PLAN QUALITY ADMINISTRATOR	40.00	Highest	$219,146	$29,747	$248,893
DAN SCHUMACHER DIR OF	ACTUARIAL & ANALYTICAL SERVICES	40.00	Highest	$220,365	$29,844	$250,209
SCOTT ANDERSON	FORMER CMO - CHIEF MEDICAL OFFICER	0.00		$149,139	$0	$149,139

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	$439,395,684	$448,856,338	$182,722,988	$-9,460,654
2023	$459,376,168	$450,360,338	$262,120,622	$9,015,830
2022	$421,543,751	$439,502,356	$304,410,600	$-17,958,605
2021	$329,524,362	$356,691,684	$311,102,675	$-27,167,322
2020	$482,539,179	$444,318,031	$366,280,384	$38,221,148
2019	$518,709,893	$444,985,911	$361,426,459	$73,723,982
2018	$566,606,451	$430,959,481	$257,535,612	$135,646,970

COMMON GROUND HEALTHCARE COOPERATIVE