MONTANA AUTOMOBILE DEALERS ASSOCIATION GROUP BENEFITS TRUST (EIN 810380275) - 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

1994

Legal Domicile

Principal Officer

BRUCE KNUDSEN

Phone

4064421233

Tax Period

2024-01-01 to 2024-12-31

MONTANA AUTOMOBILE DEALERS ASSOCIATION GROUP BENEFITS TRUST, founded in 1994, is a community nonprofit that reported $7.4M in total revenue in fiscal year 2024. Expenses of $6.8M left a modest 8% surplus.

Mission

PROVIDE HEALTH INSURANCE, DENTAL, VISION, LIFE AND AD&D TO EMPLOYEES OF MEMBER EMPLOYERS.

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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 $7,000,857

Investment Income $40,906

Other Revenue $381,571

TOTAL REVENUE $7,423,334

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Other Expenses $1,392,727

TOTAL EXPENSES $6,794,692

Year-over-Year Comparison

	2024	2023	Change
Revenue	$7,423,334	$7,388,249	+0.0%
Expenses	$6,794,692	$7,171,361	-0.1%
Net Income	$628,642	$216,888	+1.9%

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

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

$200,516

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
BILL UNDERRINER	CHAIRMAN	1.00	Officer Director	$0	$0	$0
JAMES JOHNSON	TRUSTEE	1.00	Director	$0	$0	$0
ERICK ANDERSON	TRUSTEE	1.00	Director	$0	$0	$0
CRAIG TILLEMAN	TRUSTEE	1.00	Director	$0	$0	$0
ROB DEMAROIS	TRUSTEE	1.00	Director	$0	$0	$0
ERIC HENRICKSEN	TRUSTEE	1.00	Director	$0	$0	$0
BRUCE KNUDSEN	PLAN ADMINISTRATOR	10.00	Officer	$0	$26,551	$200,516

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	No data	No data	No data	No data
2024	$7,423,334	$6,794,692	$1,761,663	$628,642
2023	$7,388,249	$7,171,361	$1,067,366	$216,888
2022	$7,764,193	$7,618,062	$945,874	$146,131
2021	$6,867,313	$7,843,763	$782,366	$-976,450
2020	$5,479,614	$6,729,010	$1,713,239	$-1,249,396
2019	$5,789,466	$5,639,598	$3,952,698	$149,868
2018	$5,787,794	$5,581,330	$3,532,365	$206,464

MONTANA AUTOMOBILE DEALERS ASSOCIATION GROUP BENEFITS TRUST