MISSOURI ASSOCIATION OF MUTUAL INSURANCE COMPANIES (EIN 510241635) - 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

1977

Legal Domicile

Principal Officer

CHRIS KESPOHL

Phone

5734493113

Tax Period

2023-01-01 to 2023-12-31

MISSOURI ASSOCIATION OF MUTUAL INSURANCE COMPANIES, founded in 1977, is a small nonprofit that reported $481K in total revenue in fiscal year 2023. Expenses of $433K left a modest 10% surplus.

Mission

INSURANCE INDUSTRY PROMOTION

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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 $0

Program Service Revenue $454,808

Investment Income $26,513

Other Revenue $0

TOTAL REVENUE $481,321

Expense Breakdown

Grants Paid $0

Salaries & Benefits $169,147

Fundraising Expenses $0

Other Expenses $263,804

TOTAL EXPENSES $432,951

Year-over-Year Comparison

	2023	2022	Change
Revenue	$481,321	$471,354	+0.0%
Expenses	$432,951	$439,544	0.0%
Net Income	$48,370	$31,810	+0.5%

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

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

$111,000

Total Directors

$111,000

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
CHRIS KESPOHL	PRESIDENT/GENERAL MANAGER	40.00	Officer Director	$111,000	$0	$111,000
BRIAN KING	IMMEDIATE PAST CHAIRMAN	1.00	Officer Director	$0	$0	$0
AARON STEWART	CHAIRMAN	1.00	Officer Director	$0	$0	$0
BRIAN GRAHAM	VICE-CHAIRMAN	1.00	Director	$0	$0	$0
DAVID HINKEBEIN	DIRECTOR	1.00	Director	$0	$0	$0
BRAD JAECQUES	DIRECTOR	1.00	Director	$0	$0	$0
WILL SIMMONS	DIRECTOR	1.00	Director	$0	$0	$0
BOBBETTE TUCKER	DIRECTOR	1.00	Director	$0	$0	$0
KIRK MILLER	DIRECTOR	1.00	Director	$0	$0	$0
PAM SPIRE	DIRECTOR	1.00	Director	$0	$0	$0
DERRICK COCHRAN	DIRECTOR	1.00	Director	$0	$0	$0
MATT MORRISON	DIRECTOR	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
2024	No data	No data	No data	No data
2023	$481,321	$432,951	$1,051,231	$48,370
2022	$471,354	$439,544	$1,000,714	$31,810
2021	$431,479	$408,282	$970,884	$23,197
2020	$358,324	$412,023	$945,274	$-53,699
2019	$664,226	$538,429	$1,044,997	$125,797
2018	$595,462	$599,956	$1,097,745	$-4,494

MISSOURI ASSOCIATION OF MUTUAL INSURANCE COMPANIES