DELAWARE COMPENSATION RATING BUREAU INC (EIN 510307078) - 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

1917

Legal Domicile

Principal Officer

JOHN ZIMITSKI

Phone

2153204414

Tax Period

2023-01-01 to 2023-12-31

DELAWARE COMPENSATION RATING BUREAU INC, founded in 1917, is a community nonprofit that reported $3.7M in total revenue in fiscal year 2023. Revenue decreased 10% compared to the prior year.

Mission

THE DELAWARE COMPENSATION RATING BUREAU, INC. (DCRB) IS THE LICENSED RATING ORGANIZATION FOR THE PROMULGATION AND DETERMINATION OF THE WORKERS' COMPENSATION INSURANCE RATING VALUES AND CLASSIFICATION SYSTEM USED BY INSURERS, AGENTS, AND EMPLOYERS IN THE STATE OF DELAWARE.

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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 $3,684,827

Program Service Revenue $0

Investment Income $18

Other Revenue $52,590

TOTAL REVENUE $3,737,435

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Other Expenses $3,732,404

TOTAL EXPENSES $3,732,404

Year-over-Year Comparison

	2023	2022	Change
Revenue	$3,737,435	$4,160,717	-0.1%
Expenses	$3,732,404	$4,160,717	-0.1%
Net Income	$5,031	N/A	N/A

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

$1,889,367

Total Directors

Key Employees

$1,169,109

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
BRENT OTTO	VP - ACTUARI	10.00	Officer	$0	$56,097	$465,800
THOMAS CLEARY	SENIOR VP &	10.00	Officer	$0	$17,354	$358,259
WILLIAM V TAYLOR	PRESIDENT	10.00	Officer	$0	$21,228	$342,581
LISA LINDER	VP - IT & CI	10.00	Officer	$0	$34,355	$294,371
PETER YOON	DIR OF ACTUA	10.00	Key Emp	$0	$54,792	$225,327
JOHN ZIMITSKI	VP AND TREAS	10.00	Officer	$0	$18,834	$221,001
ALEXANDER PAGAN	DIRECTOR OF	10.00	Key Emp	$0	$19,621	$216,105
DAWN BELFUS	VP OF DATA S	10.00	Officer	$0	$31,289	$207,355
KERRY ANN LOWE	DIR - RATING	10.00	Key Emp	$0	$33,075	$199,183
RITA ANN LAMB	DIR. DATA MA	10.00	Key Emp	$0	$11,474	$179,718
MICHAEL HENKIN	DIRECTOR OF	10.00	Key Emp	$0	$18,433	$176,169
RAVINDRA SINGH	DIR. OF SOFT	10.00	Key Emp	$0	$15,523	$172,607
NATIONAL FEDERATION OF INDEP BUS	TRUSTEE	1.60		$0	$0	$0
TRAVELERS PROPERTY CASUALTY CO	CHAIR	1.60		$0	$0	$0
ZURICH INSURANCE CO	TRUSTEE	1.60		$0	$0	$0
LIBERTY MUTUAL INSURANCE CO	VICE CHAIR	1.60		$0	$0	$0
PMA INSURANCE CO	TRUSTEE	1.60		$0	$0	$0
AMERICAN HOME ASSURANCE COMPANY	TRUSTEE	1.60		$0	$0	$0
DONEGAL MUTUAL INSURANCE COMPANY	TRUSTEE	1.60		$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	$3,737,435	$3,732,404	$217,407	$5,031
2022	$4,160,717	$4,160,717	$869,584	No data
2021	$3,630,846	$3,622,915	$480,459	$7,931
2020	$3,292,991	$3,312,153	$244,959	$-19,162
2019	$3,233,819	$3,217,589	$333,829	$16,230
2018	$3,218,167	$3,222,410	$446,171	$-4,243

DELAWARE COMPENSATION RATING BUREAU INC