FLORIDA MARKET ASSISTANCE PLAN (EIN 592621839) - 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

1985

Legal Domicile

Principal Officer

Carlos Beruff

Phone

8005249023

Tax Period

2025-01-01 to 2025-12-31

FLORIDA MARKET ASSISTANCE PLAN, founded in 1985, is a small nonprofit that reported $266K in total revenue in fiscal year 2025. The organization ran a surplus of $92K, a strong 35% operating margin.

Mission

To implement Florida statute section 627.3515 and to assist consumers who are unable to procure property and casualty insurance coverage from authorized insurers in the private market.

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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 $265,500

Investment Income $0

Other Revenue $0

TOTAL REVENUE $265,500

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $173,296

Other Expenses $173,296

TOTAL EXPENSES $173,296

Year-over-Year Comparison

	2025	2024	Change
Revenue	$265,500	$263,700	+0.0%
Expenses	$173,296	$208,557	-0.2%
Net Income	$92,204	$55,143	+0.7%

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	Role	Reportable Comp	Other Comp	Total
Carlos Beruff	Chairman	Director	$0	$0	$0
Josh Becksmith	Board Member	Director	$0	$0	$0
Jason Butts	Board Member	Director	$0	$0	$0
LeAnna Cumber	Board Member	Director	$0	$0	$0
Erin Knight	Board Member	Director	$0	$0	$0
Charlie Lydecker	Board Member	Director	$0	$0	$0
Jamie Shelton	Board Member	Director	$0	$0	$0
Robert Spottswood	Board Member	Director	$0	$0	$0
Frank White	Board Member	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
2025	$265,500	$173,296	$1,015,839	$92,204
2024	$263,700	$208,557	$921,309	$55,143
2023	$260,100	$240,173	$872,683	$19,927
2022	$260,550	$196,299	$877,103	$64,251
2021	$256,500	$167,182	$801,632	$89,318
2020	$253,350	$177,845	$721,145	$75,505

FLORIDA MARKET ASSISTANCE PLAN