ASSOCIATION FOR ADVANCED LIFE UNDERWRITING (EIN 522118793) - 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

1998

Legal Domicile

Principal Officer

MARC CADIN

Phone

7036419400

Tax Period

2020-01-01 to 2020-12-31

ASSOCIATION FOR ADVANCED LIFE UNDERWRITING, founded in 1998, is a community nonprofit that reported $7.8M in total revenue in fiscal year 2020. Revenue surged 389% from the prior year, signaling strong growth momentum. Expenses of $6.8M left a modest 13% surplus.

Mission

SEE PART III, LINE 1.

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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 (2020)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $7,689,719

Investment Income $-4,609

Other Revenue $139,257

TOTAL REVENUE $7,824,367

Expense Breakdown

Grants Paid $0

Salaries & Benefits $3,237,026

Fundraising Expenses $0

Other Expenses $3,545,433

TOTAL EXPENSES $6,782,459

Year-over-Year Comparison

	2020	2019	Change
Revenue	$7,824,367	$1,600,623	+3.9%
Expenses	$6,782,459	$3,692,436	+0.8%
Net Income	$1,041,908	$-2,091,813	-1.5%

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

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

$714,678

Total Directors

Key Employees

$659,646

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
MARC CADIN	CEO	40.00	Officer	$502,498	$52,984	$555,482
DAVID STERTZER	SENIOR EXECUTIVE ADVISOR	40.00	Key Emp	$347,229	$54,359	$401,588
SUZANNE JACOBS	SVP, BUSINESS DEVELOPMENT	40.00	Key Emp	$217,515	$40,543	$258,058
MARILYN MATICIC	VP, MEMBER EXPERIENCE	40.00	Highest	$236,717	$17,297	$254,014
ARMSTRONG ROBINSON	VP, LEGISLATIVE AFFAIRS	40.00	Highest	$192,346	$34,773	$227,119
MATTHEW DERRICK	SVP, MEMBER SERVICES	40.00	Highest	$167,895	$23,781	$191,676
CHRISTOPHER MORTON	EVP, GOV'T AFFAIRS & BUS. STRATEGY	40.00	Highest	$141,752	$21,667	$163,419
TRACY MAWYER	CFO	40.00	Officer	$128,344	$30,852	$159,196
DAVID HOLLINGSWORTH	SR. DIR. OF PUBLIC POLICY & CONTENT DEV.	40.00	Highest	$111,764	$11,775	$123,539
RAYMOND L BENING	PRESIDENT	3.00	Officer Director	$0	$0	$0
JERI TURLEY	PRESIDENT-ELECT - AS OF 2/2020	3.00	Officer Director	$0	$0	$0
DAVID BYERS	IMMEDIATE PAST PRESIDENT	3.00	Officer Director	$0	$0	$0
RICH VAN BENSCHOTEN	VP/SECRETARY/TREASURER	3.00	Officer Director	$0	$0	$0
BERKELY ARRANTS	DIRECTOR	1.00	Director	$0	$0	$0
KRISTI BARENS	DIRECTOR	1.00	Director	$0	$0	$0
LUIS CHIAPPY	DIRECTOR	1.00	Director	$0	$0	$0
ROBERT EICHLER	DIRECTOR	1.00	Director	$0	$0	$0
DAVID FRITZ	DIRECTOR	1.00	Director	$0	$0	$0
JAMES HEBETS	DIRECTOR	1.00	Director	$0	$0	$0
MICHAEL JAMES	DIRECTOR	1.00	Director	$0	$0	$0
JAMES JOYCE	DIRECTOR	1.00	Director	$0	$0	$0
DON LIPPENCOTT	DIRECTOR	1.00	Director	$0	$0	$0
TOM LOVE	DIRECTOR	1.00	Director	$0	$0	$0
RICHARD MAUS	DIRECTOR	1.00	Director	$0	$0	$0
CARL PETERSON	DIRECTOR	1.00	Director	$0	$0	$0
MARGUERITE RANGEL	DIRECTOR	1.00	Director	$0	$0	$0
JULIE SCHNEIDER	DIRECTOR	1.00	Director	$0	$0	$0
CHET SCHWARTZ	DIRECTOR	1.00	Director	$0	$0	$0
CHIP VAN DUSEN	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
2020	$7,824,367	$6,782,459	No data	$1,041,908
2019	$10,794,120	$11,079,297	$6,084,182	$-285,177
2018	$11,940,041	$12,591,416	$7,955,522	$-651,375

ASSOCIATION FOR ADVANCED LIFE UNDERWRITING