Business Insurance Foundation Inc

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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

2014

Legal Domicile

Tax Period

2019-01-01 to 2019-12-31

Business Insurance Foundation Inc, founded in 2014, is a small nonprofit in the Employment sector that reported $276K in total revenue in fiscal year 2019. Revenue fell 36% from the prior year — a significant decline worth monitoring. The organization ran a surplus of $130K, a strong 47% operating margin.

Mission

To raise awareness, pool talents and networks and mobilize resources towards programs that elevate the livelihood, health and advancement of women and girls.

Program Service Accomplishments

Program 1

Expenses: $143,595 Revenue: $275,537

The organization held seminars and events for the advancement of women in the insurance business and for the encouragement and implementation of diversity and inclusiveness in insurers hiring...

The organization held seminars and events for the advancement of women in the insurance business and for the encouragement and implementation of diversity and inclusiveness in insurers hiring processes.

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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 (2019)

Revenue Breakdown

Contributions & Grants $275,537

Program Service Revenue $0

Investment Income $0

Other Revenue $0

TOTAL REVENUE $275,537

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $143,595

Other Expenses $145,918

TOTAL EXPENSES $145,918

Year-over-Year Comparison

	2019	2018	Change
Revenue	$275,537	$428,599	-0.4%
Expenses	$145,918	$353,896	-0.6%
Net Income	$129,619	$74,703	+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

N/A

Volunteers

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
Stephen Acunto	President	1.00	Officer Director	$0	$0	$0
Stephen Acunto Jr	Vice President	1.00	Officer Director	$0	$0	$0
Claudia Palmira Acunto	Vice President	1.00	Officer Director	$0	$0	$0
Deborah Jane Hamilton	Treasurer	1.00	Officer Director	$0	$0	$0
Carole Haarmann Acunto	Secretary	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
2019	$275,537	$145,918	$208,861	$129,619