NATIONAL ASSOC OF BENEFITS AND INSURANCE PROFESSIONALS-MARYLAND CHAPTER INC (EIN 521383966) - 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

1985

Legal Domicile

Principal Officer

MELISSA COLES

Phone

4107715670

Tax Period

2024-07-01 to 2025-06-30

NATIONAL ASSOC OF BENEFITS AND INSURANCE PROFESSIONALS-MARYLAND CHAPTER INC, founded in 1985, is a micro nonprofit that reported $96K in total revenue in fiscal year 2024. Expenses of $112K exceeded revenue, resulting in a 17% operating deficit.

Mission

BUSINESS LEAGUE FOR MARYLAND HEALTH INSURANCE UNDERWRITERS.

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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 (2024)

Revenue Breakdown

Contributions & Grants $107,285

Program Service Revenue $18,577

Investment Income $1,078

Other Revenue $-30,891

TOTAL REVENUE $96,049

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $112,349

Other Expenses $112,349

TOTAL EXPENSES $112,349

Year-over-Year Comparison

	2024	2023	Change
Revenue	$96,049	$89,543	+0.1%
Expenses	$112,349	$117,150	0.0%
Net Income	$-16,300	$-27,607	-0.4%

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

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
MELISSA COLES	PRESIDENT	2.00	Officer Director	$0	$0	$0
NANCY COLAIANNE	IMMEDIATE PAST PRESIDENT	2.00	Officer Director	$0	$0	$0
CANDACE FALLIN	SECRETARY	2.00	Officer Director	$0	$0	$0
MICHELE SARGENT	TREASURER	2.00	Officer Director	$0	$0	$0
MATTHEW BRASHEARS	PROFESSIONAL DEV. CHAIR	1.00	Officer Director	$0	$0	$0
KEVIN O'TOOLE	LEGISLATIVE CHAIR	1.00	Officer Director	$0	$0	$0
ALYSSA SINAGRA	DIRECTOR	1.00	Director	$0	$0	$0
ERNEST GLENN ARRINGTON	DIRECTOR	1.00	Director	$0	$0	$0
COLLEEN NICHOLS	AWARD CHAIR	1.00	Officer Director	$0	$0	$0
CHASE NATORI	MEDIA RELATIONS CHAIR	1.00	Officer Director	$0	$0	$0
ERIC SILVERMAN	PAC CHAIR	1.00	Officer Director	$0	$0	$0
NIKKI POZARO	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
2025	$96,049	$112,349	$213,131	$-16,300
2024	No data	No data	No data	No data
2023	$87,647	$104,028	$245,773	$-16,381
2022	$348,937	$93,057	$262,154	$255,880

NATIONAL ASSOC OF BENEFITS AND INSURANCE PROFESSIONALS-MARYLAND CHAPTER INC