GOSPEL LIGHT MENNONITE CHURCH MEDICAL AID PLAN INC (EIN 472042581) - 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

DORSEY MORROW

Phone

8555854237

Tax Period

2025-01-01 to 2025-12-31

GOSPEL LIGHT MENNONITE CHURCH MEDICAL AID PLAN INC, founded in 2014, is a major nonprofit in the Religion sector that reported $138.4M in total revenue in fiscal year 2025. Revenue decreased 15% compared to the prior year. The organization ran a surplus of $24.1M, a strong 17% operating margin.

Mission

GOSPEL LIGHT MENNONITE CHURCH MEDICAL AID PLAN, INC. DBA LIBERTY HEALTHSHARE, IS A NOT-FOR-PROFIT HEALTH CARE SHARING MINISTRY. A HEALTH CARE SHARING MINISTRY IS A TAX-EXEMPT ORGANIZATION WHOSE MEMBERS SHARE MEDICAL EXPENSES EVEN AFTER A MEMBER DEVELOPS A MEDICAL CONDITION.

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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 (2025)

Revenue Breakdown

Contributions & Grants $136,276,657

Program Service Revenue $0

Investment Income $1,169,444

Other Revenue $968,459

TOTAL REVENUE $138,414,560

Expense Breakdown

Grants Paid $45,886

Salaries & Benefits $13,096,813

Fundraising Expenses $0

Program Expenses $101,319,808

Other Expenses $13,781,033

TOTAL EXPENSES $114,285,615

Year-over-Year Comparison

	2025	2024	Change
Revenue	$138,414,560	$163,393,864	-0.2%
Expenses	$114,285,615	$166,878,985	-0.3%
Net Income	$24,128,945	$-3,485,121	-7.9%

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

171

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

$725,609

Total Directors

Key Employees

$1,041,151

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
DORSEY MORROW	CEO	40.00	Officer	$454,266	$36,705	$490,971
RANDY FOSTER	VICE PRESIDENT OF FINANCE AND CFO	40.00	Officer	$211,406	$23,232	$234,638
ANDREW BERNAT	LEAD COUNSEL	40.00	Key Emp	$207,777	$21,660	$229,437
MICHAEL FAIRLESS	EXEC VP OF HR AND ADMINIST	40.00	Key Emp	$195,624	$15,621	$211,245
ROBERT KINTIGH	EXEC VP OF IT & OPERATIONS	40.00	Key Emp	$195,405	$12,143	$207,548
TIMOTHY BRYAN	VP OF COMMUNICATIONS & MEM	40.00	Key Emp	$174,308	$22,326	$196,634
AMY HAGEN	VP OF MEDICAL SERVICES	40.00	Key Emp	$173,822	$22,465	$196,287
TROY TARR	DIRECTOR OF IT	40.00	Highest	$154,883	$1,685	$156,568
MITUL RAKHOLIYA	MANAGER OF SOFTWARE ENGINE	40.00	Highest	$147,766	$18,047	$165,813
MARK PIETROW	DIRECTOR OF MEMBER DEVELOP	40.00	Highest	$144,947	$11,377	$156,324
MATTHEW BELLIS	DIRECTOR OF ADVANCEMENT AND PUBLIC AFFAIRS	40.00	Highest	$131,784	$8,010	$139,794
WESLEY HUMBLE	EXEC DIR OF MINISTRY & COM	40.00	Highest	$130,795	$22,804	$153,599
DON BREWER	CHAIRMAN OF THE BOARD	1.00	Officer Director	$0	$0	$0
PAT GREGORY	BOARD MEMBER	1.00	Director	$0	$0	$0
LOVEL MEJIA	BOARD MEMBER	1.00	Director	$0	$0	$0
EVERETT YODER	BOARD MEMBER	1.00	Director	$0	$0	$0
DR ROBERT KLINESTIVER	BOARD MEMBER	1.00	Director	$0	$0	$0
PHYLLIS INGRAM	BOARD MEMBER	1.00	Director	$0	$0	$0
STEPHEN DOUKAS	BOARD MEMBER	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
2025	$138,414,560	$114,285,615	$53,792,279	$24,128,945
2024	$163,393,864	$166,878,985	$29,710,162	$-3,485,121
2023	$196,784,900	$196,152,853	$30,639,897	$632,047
2022	$279,735,525	$271,637,717	$30,201,316	$8,097,808
2021	$52,923,721	$43,304,090	$23,765,488	$9,619,631
2021	$372,680,675	$363,049,759	$24,109,104	$9,630,916
2020	$55,782,788	$53,082,938	$15,003,794	$2,699,850
2019	$54,725,576	$59,875,820	$10,975,575	$-5,150,244
2018	$61,910,746	$58,723,816	$4,975,653	$3,186,930
2017	$64,977,872	$63,883,386	$1,736,422	$1,094,486
2016	$36,436,551	$36,086,759	$1,202,199	$349,792

GOSPEL LIGHT MENNONITE CHURCH MEDICAL AID PLAN INC