Community Health Choice Inc (EIN 760495152) - 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

1996

Legal Domicile

Principal Officer

LISA WRIGHT

Phone

7132952222

Tax Period

2022-01-01 to 2022-12-31

Community Health Choice Inc, founded in 1996, is a major nonprofit that reported $898.4M in total revenue in fiscal year 2022. Revenue grew 13% year-over-year, indicating healthy expansion.

Mission

THE OPERATION OF A HEALTH MAINTENANCE ORGANIZATION OFFERING HEALTH INSURANCE EXCHANGE THAT PROVIDES PRE-PAID MEDICAL & DENTAL CARE.

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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 (2022)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $897,606,544

Investment Income $820,435

Other Revenue $0

TOTAL REVENUE $898,426,979

Expense Breakdown

Grants Paid $183,356

Salaries & Benefits $13,810,164

Fundraising Expenses $0

Program Expenses $889,986,388

Other Expenses $880,867,531

TOTAL EXPENSES $894,861,051

Year-over-Year Comparison

	2022	2021	Change
Revenue	$898,426,979	$794,944,240	+0.1%
Expenses	$894,861,051	$810,535,690	+0.1%
Net Income	$3,565,928	$-15,591,450	-1.2%

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

142

Volunteers

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

$3,485,320

Total Directors

Key Employees

$689,611

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
LISA WRIGHT	PRESIDENT & CEO	8.0	Officer	$128,930	$22,579	$667,226
JOHN HALEY	CHIEF OPERATIONS OFFICER	8.0	Officer	$89,742	$47,189	$495,902
LAURIE LEVERMANN	CHIEF INFORMATION OFFICER	8.0	Officer	$80,768	$22,214	$426,056
SONYA MADDOX	CHIEF GROWTH OFFICER	8.0	Officer	$74,646	$43,746	$416,978
ANNA MATEJA	CHIEF FINANCIAL OFFICER	8.0	Officer	$59,603	$32,918	$330,933
VALERIE BAHAR	ASSOCIATE MEDICAL DIRECTOR	8.0	Highest	$64,110	$8,933	$329,486
RAY MCCOMB	CHIEF HR/ADMIN OFFICER	8.0	Officer	$54,223	$38,058	$309,174
TUNG MAI	ASSOCIATE MEDICAL DIRECTOR	8.0	Highest	$54,434	$11,533	$283,703
RACHAEL ROBERTS	ASSOCIATE MEDICAL DIRECTOR	8.0	Highest	$55,184	$2,516	$278,435
DANIEL BARZMAN	CHIEF COMPLIANCE OFFICER	8.0	Officer	$44,764	$31,941	$255,759
RYAN SORRELL	VP NETWORK MANAGEMENT	8.0	Key Emp	$48,061	$10,805	$251,112
LURLEAN HUNT	SR DIR IT STRGY & INNOVATION	8.0	Highest	$44,347	$29,180	$250,917
ENDIA RICHARDSON	CHIEF OF STAFF - THRU 9/7/22	8.0	Officer	$45,753	$15,153	$243,919
DAISY MORALES	VP SALES & MKTG - THRU 12/1/22	8.0	Key Emp	$45,095	$13,420	$238,895
CAREY DEATON	DIRECTOR OF PROJECT MGMT OFC	8.0	Highest	$43,569	$20,250	$238,097
FRED BUCKWOLD	INTERIM CMO - THRU 12/9/2022	8.0	Officer	$45,248	$0	$226,238
DEILASHEUN RICHARDSON	VP PRODUCT AND BUSINESS DEVEL	8.0	Key Emp	$36,258	$18,315	$199,604
SEBRINA ALLISON - THRU 7122	VP, MEDICAL AFFAIRS	8.0		$25,954	$4,024	$133,795
PAMELA HELLSTROM	CCO - THRU 2/2/2022	8.0	Officer	$22,152	$2,376	$113,135
RAYMOND J KHOURY	BOARD MEMBER	1.0	Director	$0	$0	$0
JOSE GARCIA JR	SECRETARY OF THE BOARD	1.0	Officer Director	$0	$0	$0
ELENA M MARKS	BOARD MEMBER	1.0	Director	$0	$0	$0
VIVIAN HO	BOARD MEMBER	1.0	Director	$0	$0	$0
STEPHEN MCKERNAN	BOARD MEMBER	1.0	Director	$0	$0	$0
VICKI KEISER	CHAIRMAN OF THE BOARD	2.0	Officer Director	$0	$0	$0
ANNE CLUTTERBUCK	VICE CHAIRMAN OF THE BOARD	1.0	Officer Director	$0	$0	$0
DR ARTHUR BRACEY	BOARD MEMBER	1.0	Director	$0	$0	$0
RODNEY LENFANT	BOARD MEMBER	1.0	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
2022	$898,426,979	$894,861,051	$280,552,121	$3,565,928
2021	$794,944,240	$810,535,690	$271,208,373	$-15,591,450
2021	$794,944,240	$810,535,690	$271,208,373	$-15,591,450
2020	$706,161,754	$696,622,553	$220,623,046	$9,539,201
2019	$748,382,087	$720,913,355	$179,853,538	$27,468,732
2018	$719,245,691	$683,826,076	$175,071,407	$35,419,615

Community Health Choice Inc