SOUTH CAROLINA DENTAL ASSOCIATION GROUP INSURANCE TRUST (EIN 816916597) - 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

JOHN P LATHAM

Phone

8037502277

Tax Period

2024-02-01 to 2025-01-31

SOUTH CAROLINA DENTAL ASSOCIATION GROUP INSURANCE TRUST, founded in 2017, is a mid-sized nonprofit in the Mutual Benefit sector that reported $10.8M in total revenue in fiscal year 2024. Revenue decreased 5% compared to the prior year.

Mission

TO PROVIDE GROUP HEALTH INSURANCE AND OTHER WELFARE BENEFITS

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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 $10,826,516

Investment Income $0

Other Revenue $0

TOTAL REVENUE $10,826,516

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Other Expenses $31,161

TOTAL EXPENSES $10,857,677

Year-over-Year Comparison

	2024	2023	Change
Revenue	$10,826,516	$11,399,269	-0.1%
Expenses	$10,857,677	$11,375,398	0.0%
Net Income	$-31,161	$23,871	-2.3%

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
DR CRAIG LITTLE	TRUSTEE	1.00	Director	$0	$0	$0
DR DAVID BABB	TRUSTEE	1.00	Director	$0	$0	$0
DR DAN PENELLA	TRUSTEE	1.00	Director	$0	$0	$0
DR BRADLEY FLOWERS	TRUSTEE	1.00	Director	$0	$0	$0
DR JULIANNE KLECKLEY	TRUSTEE	1.00	Director	$0	$0	$0
JOHN P LATHAM	EXECUTIVE DIRECTOR	1.00	Officer	$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	$10,826,516	$10,857,677	$169,072	$-31,161
2024	$11,399,269	$11,375,398	$136,075	$23,871
2023	$11,785,870	$11,783,283	$177,236	$2,587
2022	$11,725,016	$11,719,461	$362,059	$5,555
2021	$12,132,004	$12,161,166	$152,556	$-29,162
2020	$12,444,735	$12,410,247	$432,323	$34,488
2019	$12,370,055	$12,361,234	$417,976	$8,821

SOUTH CAROLINA DENTAL ASSOCIATION GROUP INSURANCE TRUST