VT Vehicle & Automotive Dist Assoc Dental Life & Disability InsTrust (EIN 472039531) - 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

Matt Cota

Phone

8024612655

Tax Period

2024-01-01 to 2024-12-31

VT Vehicle & Automotive Dist Assoc Dental Life & Disability InsTrust, founded in 2014, is a small nonprofit in the Mutual Benefit sector that reported $821K in total revenue in fiscal year 2024. Expenses of $762K left a modest 7% surplus.

Mission

The Insurance Trust provides dental and other benefits to eligible employees (and their eligible dependents) of participating employers, who are dealer members of the Vermont Automobile Dealers' Association, Inc.

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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 $820,893

Investment Income $463

Other Revenue $0

TOTAL REVENUE $821,356

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $761,871

Other Expenses $200,576

TOTAL EXPENSES $761,871

Year-over-Year Comparison

	2024	2023	Change
Revenue	$821,356	$820,400	+0.0%
Expenses	$761,871	$822,502	-0.1%
Net Income	$59,485	$-2,102	-29.3%

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

$65,250

Total Directors

$65,250

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
Matthew Cota	Managing Dir.	0.00	Officer Director	$0	$0	$65,250
Robert Cody II	Trustee	0.50	Director	$0	$0	$0
Dan Keene	Trustee	0.50	Director	$0	$0	$0
Mitchell Jay	Chairman	0.50	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	$821,356	$761,871	$189,842	$59,485
2023	$820,400	$822,502	$141,903	$-2,102
2022	$485,902	$710,367	$143,386	$-224,465
2021	$657,724	$593,151	$382,872	$64,573

VT Vehicle & Automotive Dist Assoc Dental Life & Disability InsTrust