Association of Web-Based Health Insurance Brokers (EIN 471792728) - 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

2014

Legal Domicile

Principal Officer

Srinivasan Krishnan

Phone

6506184600

Tax Period

2022-07-01 to 2023-06-30

Association of Web-Based Health Insurance Brokers, founded in 2014, is a small nonprofit that reported $113K in total revenue in fiscal year 2022. The organization ran a surplus of $52K, a strong 46% operating margin.

Mission

to promote the common business interests of web based insurance brokers and the health insurance interests of consumers they serve, including by advocacy before congress, the white house and the department of health and human services , state governments

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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 (2022)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $113,125

Investment Income $0

Other Revenue $0

TOTAL REVENUE $113,125

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $0

Other Expenses $61,584

TOTAL EXPENSES $61,584

Year-over-Year Comparison

	2022	2021	Change
Revenue	$113,125	$106,875	+0.1%
Expenses	$61,584	$92,088	-0.3%
Net Income	$51,541	$14,787	+2.5%

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
Joe Murad	Director	10	Officer	$0	$0	$0
Shane Cruz	President	10	Officer	$0	$0	$0
Srinivasan Krishnan	Treasurer	10	Officer	$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
2023	$113,125	$61,584	$446,672	$51,541
2022	$106,875	$92,088	$395,132	$14,787
2021	$155,625	$81,146	$380,345	$74,479
2020	$95,000	$50,266	$305,866	$44,734
2019	$102,916	$100,870	$273,774	$2,046

Association of Web-Based Health Insurance Brokers