RETIREMENT SECURITY INITIATIVE

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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

2015

Legal Domicile

Principal Officer

PETER M CONSTANT

Phone

4086499500

Tax Period

2019-01-01 to 2019-12-31

RETIREMENT SECURITY INITIATIVE, founded in 2015, is a community nonprofit that reported $1.2M in total revenue in fiscal year 2019. Revenue fell 41% from the prior year — a significant decline worth monitoring. Expenses of $1.3M exceeded revenue, resulting in a 14% operating deficit.

Mission

FURTHER THE COMMON GOOD OF THE CITIZENS OF THE UNITED STATES BY INFORMING ANDEDUCATING THE PUBLIC AND POLICY LEADERS REGARDING THE IMPORTANCE AND FAIRSUSTAINABLE PUBLIC SECTOR RETIREMENT PLAN AND TO ORGANIZE AND SUPPORT POLICY ANDDEVELOPMENT AND ADVOCACY EFFORT AT THE FEDERAL, STATE COUNTY AND MUNICIPAL LEVELS.

Program Service Accomplishments

Program 1

Expenses: $263,233

CONDUCT EDUCATIONAL OUTREACH TO THE PUBLIC AND TO PUBLIC OFFICIALS ABOUT ISSUESRELATED TO PUBLIC PENSION STABILITY, INCLUDING STATE LOBBYING

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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 $1,159,615

Program Service Revenue $0

Investment Income $13

Other Revenue $0

TOTAL REVENUE $1,159,628

Expense Breakdown

Grants Paid $44,268

Salaries & Benefits $859,449

Fundraising Expenses $0

Program Expenses $263,233

Other Expenses $418,592

TOTAL EXPENSES $1,322,309

Year-over-Year Comparison

	2019	2018	Change
Revenue	$1,159,628	$1,960,025	-0.4%
Expenses	$1,322,309	$1,680,180	-0.2%
Net Income	$-162,681	$279,845	-1.6%

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

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

$336,025

Total Directors

$414,547

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
PETER M CONSTANT	CEO	40.00	Officer Director	$269,250	$36,775	$306,025
CHARLES CHUCK REED	Chairman	5.00	Director	$56,250	$0	$56,250
DAN LILJENQUIST	President	5.00	Officer Director	$30,000	$0	$30,000
Rebekah Rook CPA	Treasurer	1.00	Director	$22,272	$0	$22,272
RICHARD RAVITCH	Director	1.00	Director	$0	$0	$0
JAMES SPIOTTO	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	$1,159,628	$1,322,309	$302,775	$-162,681
2018	$1,960,025	$1,680,180	$464,143	$279,845