INDEPENDENT INSURANCE AGENTS OF SOUTH DAKOTA (EIN 466013413) - Form 990 Financial Analysis & Trantor Score

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Tuckman-Chang Vulnerability Assessment

4 risk indicators measuring financial stability and operational resilience

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Financial Trends

Organization Details

Formation Year

1990

Legal Domicile

Principal Officer

MICHAEL CHRYSLER

Phone

6052246234

Tax Period

2023-01-01 to 2023-12-31

INDEPENDENT INSURANCE AGENTS OF SOUTH DAKOTA, founded in 1990, is a small nonprofit that reported $768K in total revenue in fiscal year 2018. Expenses of $716K left a modest 7% surplus.

Mission

PROMOTE AND SUPPORT SOUND PRINCIPALS IN THE TRANSACTION OF THE BUSINESS OF INSURANCE, PROMOTE AND ENCOURAGE CONFIDENCE AND GOODWILL AMOND ITS MEMBERS, MAINTAIN A HIGH STANDARD OF INTEGRETY AND SERVICE IN SUCH INSURANCE BUSINESS, AND PROMOTE AND SUPPORT GOOD PUBLIC RELATIONS WITH INSURANCE COMPANIES AND THE INSURANCE BUYING PUBLIC.

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Trantor Score

Financial Health & Payment Capacity Assessment (FICO Scale: 300–850)

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Liquidity (40%) • Solvency (30%) • Sustainability (20%) • Efficiency (10%)

Financial Overview (2023)

Revenue Breakdown

Contributions & Grants $480,973

Program Service Revenue $329,005

Investment Income $12,309

Other Revenue $26,036

TOTAL REVENUE $848,323

Expense Breakdown

Grants Paid $0

Salaries & Benefits $376,782

Fundraising Expenses $0

Other Expenses $512,718

TOTAL EXPENSES $889,500

Year-over-Year Comparison

	2023	2022	Change
Revenue	$848,323	$724,600	+0.2%
Expenses	$889,500	$967,535	-0.1%
Net Income	$-41,177	$-242,935	-0.8%

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

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

$167,890

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
MICHAEL CHRYSLER	EXECUTIVE DI	40.00	Officer	$163,000	$4,890	$167,890
AUBRIANA DIAZ	DIRECTOR	1.00	Director	$0	$0	$0
RYAN KARST	DIRECTOR	1.00	Director	$0	$0	$0
DOUG LEIGHTON	PRESIDENT EL	1.00	Officer Director	$0	$0	$0
BARB LENOCKER	DIRECTOR	1.00	Director	$0	$0	$0
DERRICK LINN	DIRECTOR	1.00	Director	$0	$0	$0
DAN MAGUIRE	IIABA NAT'L	1.00	Officer Director	$0	$0	$0
RICH MAGUIRE	VICE PRESIDE	1.00	Officer Director	$0	$0	$0
ELIZABETH NEPODAL	SECRETARY-TR	1.00	Officer Director	$0	$0	$0
MELANIE PARSONS	PAST PRESIDE	1.00	Officer Director	$0	$0	$0
ERIC PAYNE	PRESIDENT	1.00	Officer Director	$0	$0	$0
BRENT ROHL	DIRECTOR	1.00	Director	$0	$0	$0
SHARON WIRTH	DIRECTOR	1.00	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	No data	No data	No data	No data
2023	$848,323	$889,500	$707,941	$-41,177
2022	$724,600	$967,535	$749,985	$-242,935
2021	$686,215	$832,644	$988,411	$-146,429
2020	$631,096	$608,499	$1,134,840	$22,597
2019	$782,511	$794,149	$1,112,243	$-11,638
2018	$767,554	$716,232	$1,123,881	$51,322

INDEPENDENT INSURANCE AGENTS OF SOUTH DAKOTA