FLORIDA SURPLUS LINES ASSOCIATION INC (EIN 592512705) - 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

1960

Legal Domicile

Principal Officer

JILLIAN HEDDAEUS

Phone

8502240711

Tax Period

2025-01-01 to 2025-12-31

FLORIDA SURPLUS LINES ASSOCIATION INC, founded in 1960, is a small nonprofit that reported $692K in total revenue in fiscal year 2025. Revenue surged 30% from the prior year, signaling strong growth momentum. Expenses of $593K left a modest 14% surplus.

Mission

INSURANCE INDUSTRY LIASION.

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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 $182,750

Program Service Revenue $457,556

Investment Income $36,024

Other Revenue $16,115

TOTAL REVENUE $692,445

Expense Breakdown

Grants Paid $16,000

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $533,475

Other Expenses $577,461

TOTAL EXPENSES $593,461

Year-over-Year Comparison

	2025	2024	Change
Revenue	$692,445	$533,467	+0.3%
Expenses	$593,461	$473,425	+0.3%
Net Income	$98,984	$60,042	+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

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
ALBERT GERACI ARM ASLI	PRESIDENT	1.00	Officer Director	$0	$0	$0
BRESCH MCCARTHY	TREASURER	1.00	Officer Director	$0	$0	$0
TONYA RIVERA	PRESIDENT-ELECT	1.00	Officer Director	$0	$0	$0
DARREN MARSH	DIRECTOR	1.00	Director	$0	$0	$0
AMANDA RUPPEL	DIRECTOR	1.00	Director	$0	$0	$0
CHRIS SIEGEL RPLU CIC CRIS ARM A	SECRETARY	1.00	Director	$0	$0	$0
STEVE KASS	DIRECTOR	1.00	Director	$0	$0	$0
MARIANNE CORREA	DIRECTOR	1.00	Director	$0	$0	$0
JILLIAN HEDDAEUS CMP IOM	EXECUTIVE DIRECTOR	10.00	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	$692,445	$593,461	$1,180,928	$98,984
2024	$533,467	$473,425	$959,020	$60,042
2023	$541,582	$477,744	$795,783	$63,838
2022	$425,721	$392,390	$648,889	$33,331
2021	$349,843	$287,672	$629,153	$62,171
2020	$241,954	$277,036	$499,052	$-35,082
2019	$317,554	$333,944	$367,210	$-16,390
2018	$322,762	$306,991	$357,715	$15,771

FLORIDA SURPLUS LINES ASSOCIATION INC