South Florida Dentists Self-Insurance Trust (EIN 596898357) - 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

1986

Legal Domicile

Principal Officer

Burt Redlus

Phone

3053746368

Tax Period

2024-01-01 to 2024-12-31

South Florida Dentists Self-Insurance Trust, founded in 1986, is a small nonprofit that reported $116K in total revenue in fiscal year 2024. The organization ran a surplus of $47K, a strong 41% operating margin.

Mission

Providing malpractice insurance to dentists in South Florida.

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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 $53,533

Investment Income $62,335

Other Revenue $0

TOTAL REVENUE $115,868

Expense Breakdown

Grants Paid $0

Salaries & Benefits $6,000

Fundraising Expenses $0

Program Expenses $68,095

Other Expenses $62,845

TOTAL EXPENSES $68,845

Year-over-Year Comparison

	2024	2023	Change
Revenue	$115,868	$112,174	+0.0%
Expenses	$68,845	$72,936	-0.1%
Net Income	$47,023	$39,238	+0.2%

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

$5,000

Total Directors

$6,000

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
Scott Ross	President	0.50	Officer Director	$2,000	$0	$2,000
Jorge Centurion	Secretary	0.25	Officer Director	$1,000	$0	$1,000
Osvaldo Mayoral	Trustee	0.25	Director	$1,000	$0	$1,000
Rita Dargham	Trustee	0.25	Officer Director	$1,000	$0	$1,000
Stephen Morrow	Treasurer	0.25	Officer Director	$1,000	$0	$1,000

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	$115,868	$68,845	$1,309,163	$47,023
2023	$112,174	$72,936	$1,257,467	$39,238
2022	$71,959	$79,689	$1,218,826	$-7,730
2021	$72,493	$134,555	$1,203,778	$-62,062
2020	$85,519	$63,632	$1,266,528	$21,887
2019	$130,040	$75,804	$1,283,891	$54,236
2018	$100,330	$-91,240	$1,237,966	$191,570

South Florida Dentists Self-Insurance Trust