M3 INSURANCE FOUNDATION INC (EIN 474842422) - 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

2015

Legal Domicile

Principal Officer

ELIZABETH DETTMAN

Phone

8002722443

Tax Period

2023-01-01 to 2023-12-31

M3 INSURANCE FOUNDATION INC, founded in 2015, is a small nonprofit in the Philanthropy & Grantmaking sector that reported $479K in total revenue in fiscal year 2023. The organization ran a surplus of $150K, a strong 31% operating margin.

Mission

THE FOUNDATION WAS ORGANIZED TO PROMOTE THE CHARITABLE ATTITUDES OF THE EMPLOYEES AT M3 SOLUTIONS, INC. THE FOUNDATION WILL FOCUS ON THE AREAS OF HEALTH CARE, SAFETY IMPROVEMENT, CATASTROPHIC EVENT RELIEF, FINANCIAL EDUCATION AND LITERACY, AND THE PROMOTION OF CAREERS IN THE INSURANCE INDUSTRY.

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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 (2023)

Revenue Breakdown

Contributions & Grants $465,458

Program Service Revenue $0

Investment Income $13,755

Other Revenue $0

TOTAL REVENUE $479,213

Expense Breakdown

Grants Paid $309,733

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $309,733

Other Expenses $18,980

TOTAL EXPENSES $328,713

Year-over-Year Comparison

	2023	2022	Change
Revenue	$479,213	$457,888	+0.0%
Expenses	$328,713	$527,724	-0.4%
Net Income	$150,500	$-69,836	-3.2%

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
BEC KURZYNSKE	SECRETARY	0.60	Officer Director	$0	$0	$0
CANDICE ROTH	DIRECTOR	0.60	Director	$0	$0	$0
JESSE MAAS	DIRECTOR	0.60	Director	$0	$0	$0
KELSEY STACKS	DIRECTOR	0.60	Director	$0	$0	$0
AMBER SEITZ	DIRECTOR	0.60	Director	$0	$0	$0
MEGAN BELTER	DIRECTOR	0.60	Director	$0	$0	$0
JUSTIN RIXIE	DIRECTOR	0.60	Director	$0	$0	$0
ELIZABETH DETTMAN	PRESIDENT	0.60	Officer	$0	$0	$0
KEVIN MILLER TERMED IN '23	SECRETARY	0.60	Officer	$0	$0	$0
MELISSA SEYFFER	TREASURER	0.60	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
2024	No data	No data	No data	No data
2023	$479,213	$328,713	$929,179	$150,500
2022	$457,888	$527,724	$863,330	$-69,836
2021	$386,523	$213,601	$676,549	$172,922
2020	$339,993	$337,840	$522,233	$2,153
2019	$326,059	$261,409	$545,649	$64,650
2018	$544,612	$199,343	$455,430	$345,269

M3 INSURANCE FOUNDATION INC