MSO INC

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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

1991

Legal Domicile

Principal Officer

JANICE SCITES

Phone

2014476900

Tax Period

2025-01-01 to 2025-12-31

MSO INC, founded in 1991, is a community nonprofit that reported $4.3M in total revenue in fiscal year 2025. Revenue grew 14% year-over-year, indicating healthy expansion. The organization ran a surplus of $961K, a strong 22% operating margin.

Mission

THE ORGANIZATION PROVIDES ITS MEMBER COMPANIES WITH A HIGH LEVEL OF VALUE AND INDIVIDUAL SERVICES. ITS MISSION IS TO FULFILL TO ITS MEMBER INSURANCE COMPANIES A DESIRED LEVEL OF CUSTOMIZED SERVICE. THE ORGANIZATION IS LICENSED TO PROVIDE PREMIUM INSURANCE RATING, INSPECTION, AND OTHER INSURANCE RELATED SERVICES FOR SUBSCRIBING PROPERTY AND LIABILITY INSURANCE COMPANIES IN ALL STATES AND WASHINGTON, DC. FEES FOR SUCH SERVICES, WHICH ARE GENERALLY BASED UPON PREMIUMS WRITTEN BY THE INSURANCE COMPANIES, ARE BILLED QUARTERLY AND ARE RECOGNIZED AS INCOME OVER THE ASSESSMENT PERIOD. IN ADDITION, THE ORGANIZATION PROVIDES EDUCATIONAL SERVICES TO THE PROPERTY AND CASUALTY INDUSTRY FOR THE CONTINUED EDUCATION OF INSUREDS, AGENTS/BROKERS, AND INSURANCE CARRIERS AND THEIR STAFFS.

Program Service Accomplishments

Program 1

THE ORGANIZATION PROVIDED ITS 31 MEMBERS WITH A VARIETY OF INSURANCE RELATED SERVICES INCLUDING: -PROVIDING RATING, STATISTICAL, ACTUARIAL, POLICY FORMS AND RELATED SERVICES; -STATISTICAL INFORMATION PERTAINING TO RISKS; -TO WORK FOR THE BETTERMENT OF THE INSURANCE INDUSTRY AND BEHALF OF ITS MEMBERS.

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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 (2025)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $4,258,798

Investment Income $62,443

Other Revenue $7,171

TOTAL REVENUE $4,328,412

Expense Breakdown

Grants Paid $0

Salaries & Benefits $2,352,253

Fundraising Expenses $0

Other Expenses $1,014,737

TOTAL EXPENSES $3,366,990

Year-over-Year Comparison

	2025	2024	Change
Revenue	$4,328,412	$3,785,740	+0.1%
Expenses	$3,366,990	$3,182,192	+0.1%
Net Income	$961,422	$603,548	+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

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

$1,255,326

Total Directors

$378,444

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
MICHAEL L FARON	TRUSTEE	1.00	Director	$7,000	$0	$7,000
BRIAN P LYTWYNEC	TRUSTEE	1.00	Director	$7,000	$0	$7,000
EDWARD D AROVAS	TRUSTEE	1.00	Director	$6,000	$0	$6,000
ERIC P SCHMADER	TRUSTEE	1.00	Director	$6,000	$0	$6,000
KAREN S FULTON	TRUSTEE	1.00	Director	$4,500	$0	$4,500
DONALD SCOTT ST ANGEL	CHAIRMAN	1.00	Officer Director	$12,500	$0	$12,500
ALLEN RAY SORENSEN	VICE CHAIRMAN	1.00	Officer Director	$8,250	$0	$8,250
JAMES R DOHERTY	TREASURER	1.00	Officer Director	$6,000	$0	$6,000
JANICE SCITES	PRESIDENT & CEO	40.00	Officer Director	$309,159	$12,035	$321,194
JAN KOZLOWSKI	SR VICE PRESIDENT	40.00	Officer	$71,371	$2,869	$74,240
RICHARD PELKOFSKY	ASSISTANT VICE PRESIDENT	40.00	Officer	$115,530	$14,772	$130,302
DEBRA KLINE	ASSISTANT VICE PRESIDENT,OPERATIONS	40.00	Officer	$117,005	$14,692	$131,697
LEOPOLD BLACK	VICE PRESIDENT, ACTUARIAL SERVICES	40.00	Officer	$129,556	$15,277	$144,833
MARY BEEGLE	VICE PRESIDENT, NATIONAL PROGRAMS	40.00	Officer	$110,789	$21,371	$132,160
SUE QUIMBY	SR. VICE PRESIDENT, MEDIA EDITOR	40.00	Officer	$136,654	$15,500	$152,154
PATRICE RIGGIO	VICE PRESIDENT OF COMPLINACE SERVICES	40.00	Officer	$127,290	$14,706	$141,996

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	$4,328,412	$3,366,990	$3,377,940	$961,422
2024	$3,785,740	$3,182,192	$2,385,386	$603,548
2023	$3,320,617	$2,850,176	$1,776,742	$470,441
2022	$2,818,417	$2,821,116	$1,236,161	$-2,699
2021	$3,078,456	$2,827,839	$1,212,682	$250,617
2020	$2,510,858	$2,769,337	$1,141,446	$-258,479
2019	$2,566,563	$2,831,703	$1,460,587	$-265,140
2018	$2,595,224	$2,815,298	$1,537,972	$-220,074