SOUTH CAROLINA TRUCKING ASSOCIATION INC GROUP INSURANCE TRUST (EIN 814671151) - 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

2017

Legal Domicile

Principal Officer

J RICHARDS TODD

Phone

8037994306

Tax Period

2023-02-01 to 2024-01-31

SOUTH CAROLINA TRUCKING ASSOCIATION INC GROUP INSURANCE TRUST, founded in 2017, is a community nonprofit in the Mutual Benefit sector that reported $5.7M in total revenue in fiscal year 2023.

Mission

TO PROVIDE GROUP HEALTH INSURANCE AND OTHER WELFARE BENEFITS TO THE EMPLOYEES OF THE SOUTH CAROLINA TRUCKING ASSOCIATION'S (SCTA) MEMBER EMPLOYERS BY ISSUANCE OF ONE OR MORE FULLY INSURED INSURANCE POLICIES.

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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 (2023)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $5,738,640

Investment Income $0

Other Revenue $0

TOTAL REVENUE $5,738,640

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Other Expenses $5,738,962

TOTAL EXPENSES $5,738,962

Year-over-Year Comparison

	2023	2022	Change
Revenue	$5,738,640	$5,352,016	+0.1%
Expenses	$5,738,962	$5,353,880	+0.1%
Net Income	$-322	$-1,864	-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
RONALD COOPER	TRUSTEE	2.00	Director	$0	$0	$0
CHRISTOPHER GARRETT	TRUSTEE	2.00	Director	$0	$0	$0
MARK RANDOLPH	TRUSTEE	2.00	Director	$0	$0	$0
JERRY SMITH	TRUSTEE	2.00	Director	$0	$0	$0
TYLER ANTHONY	TRUSTEE	2.00	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	No data	No data	No data	No data
2024	$5,738,640	$5,738,962	$64,713	$-322
2023	$5,352,016	$5,353,880	$81,920	$-1,864
2022	$5,359,705	$5,352,510	$212,955	$7,195
2021	$5,717,118	$5,718,441	$65,517	$-1,323
2020	$4,929,504	$4,928,819	$263,262	$685
2019	$3,687,158	$3,678,920	$115,016	$8,238
2018	$2,204,984	$2,204,098	$63,695	$886

SOUTH CAROLINA TRUCKING ASSOCIATION INC GROUP INSURANCE TRUST