SOUTH CAROLINA AUTOMOBILE DEALERS EMPLOYEE BENEFIT TRUST (EIN 576089650) - 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

1983

Legal Domicile

Principal Officer

ESIMS FLOYD

Phone

8032520205

Tax Period

2023-12-01 to 2024-11-30

SOUTH CAROLINA AUTOMOBILE DEALERS EMPLOYEE BENEFIT TRUST, founded in 1983, is a mid-sized nonprofit that reported $15.1M in total revenue in fiscal year 2023.

Mission

TO PROVIDE GROUP LIFE, DENTAL AND HOSPITALIZATION INSURANCE COVERAGE TO ELIGIBLE MEMBERS OF THE S.C. AUTOMOBILE DEALERS ASSOCIATION.

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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 $15,117,563

Investment Income $4,855

Other Revenue $0

TOTAL REVENUE $15,122,418

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Other Expenses $15,129,350

TOTAL EXPENSES $15,129,350

Year-over-Year Comparison

	2023	2022	Change
Revenue	$15,122,418	$15,668,671	0.0%
Expenses	$15,129,350	$15,611,901	0.0%
Net Income	$-6,932	$56,770	-1.1%

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

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
JIM JONES	TRUSTEE	2.00	Director	$0	$0	$0
RICHARD PENDARVIS	TRUSTEE	2.00	Director	$0	$0	$0
SCOTT RIZER	CHAIRMAN	2.00	Officer Director	$0	$0	$0
LANNES PROTHRO III	TRUSTEE	2.00	Director	$0	$0	$0
DOUG MCELVEEN	TRUSTEE	2.00	Director	$0	$0	$0
BILL MCLAUGHLIN	TRUSTEE	2.00	Director	$0	$0	$0
DAVID WALTERSSR	TRUSTEE	2.00	Director	$0	$0	$0
JOE TRAINOR	TRUSTEE	2.00	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	$15,122,418	$15,129,350	$798,557	$-6,932
2023	$15,668,671	$15,611,901	$968,521	$56,770
2022	$14,040,560	$14,049,088	$667,402	$-8,528
2021	$12,853,378	$12,835,579	$615,773	$17,799
2020	$11,917,771	$11,955,797	$658,502	$-38,026
2019	$11,652,712	$11,675,371	$621,964	$-22,659
2018	$13,139,562	$13,118,882	$623,539	$20,680

SOUTH CAROLINA AUTOMOBILE DEALERS EMPLOYEE BENEFIT TRUST