St Lucie County Fire District Retirement Health Insurance Trust Fund (EIN 650863176) - 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

1998

Legal Domicile

Phone

7726213322

Tax Period

2024-10-01 to 2025-09-30

St Lucie County Fire District Retirement Health Insurance Trust Fund, founded in 1998, is a community nonprofit in the Mutual Benefit sector that reported $1.3M in total revenue in fiscal year 2024. Revenue fell 62% from the prior year — a significant decline worth monitoring. The organization ran a surplus of $439K, a strong 34% operating margin.

Mission

Health insurance benefits for retirees

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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 $900,086

Investment Income $390,062

Other Revenue $0

TOTAL REVENUE $1,290,148

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Other Expenses $49,655

TOTAL EXPENSES $850,658

Year-over-Year Comparison

	2024	2023	Change
Revenue	$1,290,148	$3,351,303	-0.6%
Expenses	$850,658	$782,954	+0.1%
Net Income	$439,490	$2,568,349	-0.8%

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
Shane Kozac	Chairperson	2.00	Director	$0	$0	$0
Matthew Aponte	Board member	1.00	Director	$0	$0	$0
Vicki Echazabal	Board member	1.00	Director	$0	$0	$0
Richard Hall	Board member	1.00	Director	$0	$0	$0
Thomas Neiman	Board member	1.00	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
2025	$1,290,148	$850,658	$11,474,739	$439,490
2024	$3,351,303	$782,954	$10,032,090	$2,568,349
2023	$1,100,137	$733,307	$8,025,115	$366,830
2022	$824,421	$707,235	$7,229,162	$117,186
2021	$1,134,215	$556,131	$8,707,841	$578,084
2020	$592,428	$477,942	$7,192,290	$114,486
2019	$539,476	$449,826	$6,596,113	$89,650
2018	$553,446	$431,130	$6,521,276	$122,316

St Lucie County Fire District Retirement Health Insurance Trust Fund