DADE COUNTY FIRE FIGHTERS INSURANCE TRUST FUND (EIN 592185490) - 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

1982

Legal Domicile

Principal Officer

ROBERT ROJAS

Phone

3055936100

Tax Period

2024-05-01 to 2025-04-30

DADE COUNTY FIRE FIGHTERS INSURANCE TRUST FUND, founded in 1982, is a mid-sized nonprofit that reported $62.1M in total revenue in fiscal year 2024. Expenses of $56.9M left a modest 8% surplus.

Mission

TO PROVIDE HEALTH, LIFE, VISION AND DENTAL BENEFITS TO FIRE FIGHTERS EMPLOYED BY MIAMI-DADE COUNTY.

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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 $0

Program Service Revenue $55,010,921

Investment Income $7,098,710

Other Revenue $10,740

TOTAL REVENUE $62,120,371

Expense Breakdown

Grants Paid $0

Salaries & Benefits $365,822

Fundraising Expenses $0

Program Expenses $56,930,205

Other Expenses $4,443,531

TOTAL EXPENSES $56,930,205

Year-over-Year Comparison

	2024	2023	Change
Revenue	$62,120,371	$57,728,917	+0.1%
Expenses	$56,930,205	$56,748,665	+0.0%
Net Income	$5,190,166	$980,252	+4.3%

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

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
ROBERT ROJAS	CHAIRMAN	1.00	Officer Director	$0	$0	$0
GABE NEMETH	SECRETARY	1.00	Officer Director	$0	$0	$0
BRIAN LYNCH	TREASURER	1.00	Officer Director	$0	$0	$0
WILLIAM MCALLISTER	TRUSTEE	1.00	Director	$0	$0	$0
JOHN LANCASTER	TRUSTEE	1.00	Director	$0	$0	$0
CHRIS KRAMER	TRUSTEE	1.00	Officer Director	$0	$0	$0
TIM SWICK	TRUSTEE	1.00	Director	$0	$0	$0
DALE SUTTON	ADMINSTRATIVE MGR	40.00	Officer	$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	$62,120,371	$56,930,205	$158,145,907	$5,190,166
2024	$57,728,917	$56,748,665	$145,136,917	$980,252
2023	$58,476,538	$55,178,267	$134,004,928	$3,298,271
2022	$59,437,415	$55,454,385	$135,428,575	$3,983,030
2021	$81,977,843	$38,821,178	$139,507,978	$43,156,665
2020	$50,310,312	$44,970,611	$99,690,946	$5,339,701
2019	$47,321,683	$44,131,050	$96,663,784	$3,190,633
2018	$45,671,712	$41,566,732	$89,901,319	$4,104,980

DADE COUNTY FIRE FIGHTERS INSURANCE TRUST FUND