STRATEGIC INSURANCE TRUST (EIN 477303426) - 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

JAMES ALLBAUGH

Phone

8129454063

Tax Period

2022-07-01 to 2023-06-30

STRATEGIC INSURANCE TRUST, founded in 2015, is a community nonprofit in the Mutual Benefit sector that reported $3.7M in total revenue in fiscal year 2022. Revenue decreased 12% compared to the prior year. Expenses of $3.5M left a modest 5% surplus.

Mission

STRATEGIC INSURANCE TRUST IS A MULTIPLE EMPLOYER WELFARE ARRANGEMENT TO PROVIDE HEALTH COVERAGE TO ELIGIBLE EMPLOYEES, SPOUSES, AND DEPENDENTS.

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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 $3,706,083

Investment Income $24,932

Other Revenue $0

TOTAL REVENUE $3,731,015

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Other Expenses $45,531

TOTAL EXPENSES $3,534,928

Year-over-Year Comparison

	2022	2021	Change
Revenue	$3,731,015	$4,216,575	-0.1%
Expenses	$3,534,928	$3,778,182	-0.1%
Net Income	$196,087	$438,393	-0.6%

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

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
JAMES ALLBAUGH	PRESIDENT	1.00	Officer Director	$0	$0	$0
JIMMY RYAN	SECRETARY	1.00	Officer Director	$0	$0	$0
DANIEL LOWE	TREASURER	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
2025	No data	No data	No data	No data
2024	No data	No data	No data	No data
2023	$3,731,015	$3,534,928	$1,897,780	$196,087
2022	$4,216,575	$3,778,182	$1,701,693	$438,393
2021	$3,838,683	$3,896,773	$1,263,300	$-58,090
2020	$4,271,705	$4,236,657	$1,321,390	$35,048
2019	$3,246,054	$3,032,711	$1,286,342	$213,343

STRATEGIC INSURANCE TRUST