EDUCATORS DENTAL CONSORTIUM

EIN: 821874721 Mutual Benefit

PITTSBURGH, PA

Total Revenue

$4,711,265

Total Expenses

$4,729,726

Total Assets

$1,910,053

Net Assets

$1,910,053

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Financial Vulnerability Assessment (Tuckman-Chang)

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Financial Trends

Organization Details

Formation Year

2017

Legal Domicile

PA

Principal Officer

DR JOSEPH A GUARINO

Phone

7244635916

Tax Period

2024-07-01 to 2025-06-30

EDUCATORS DENTAL CONSORTIUM, founded in 2017, is a community nonprofit in the Mutual Benefit sector that reported $4.7M in total revenue in fiscal year 2024. Revenue grew 10% year-over-year, indicating healthy expansion.

Mission

THE EDC IS A CONSORTIUM OF PUBLIC SCHOOL ENTITIES WITHIN THE COMMONWEALTH OF PA WHICH POOL THEIR MONEY TO SHARE THE RISK ASSOCIATED WITH DENTAL INSURANCE. BY SPREADING THE RISK, MEMBER SCHOOLS ARE ABLE TO BETTER CONTROL INSURANCE COSTS.

Program Service Accomplishments

Program 1

THE PURPOSE OF THE EDC IS TO PROVIDE FOR THE PAYMENT OF DENTAL BENEFITS FOR THE EMPLOYEES OF PARTICIPANT SCHOOLS AND THEIR ELIGIBLE DEPENDENTS.

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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%)

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Financial Overview (2024)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $4,617,917

Investment Income $93,348

Other Revenue $0

TOTAL REVENUE $4,711,265

Expense Breakdown

Grants Paid $0

Salaries & Benefits $2,500

Fundraising Expenses $0

Other Expenses $351,690

TOTAL EXPENSES $4,729,726

Year-over-Year Comparison

	2024	2023	Change
Revenue	$4,711,265	$4,278,585	+0.1%
Expenses	$4,729,726	$4,056,844	+0.2%
Net Income	$-18,461	$221,741	-1.1%

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

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Governance

Voting Members

40

Independent Members

39

Employees

N/A

Volunteers

39

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

5

$2,500

Total Directors

40

$2,500

Key Employees

0

$0

Highest Compensated

0

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
DR JOSEPH GUARINO	PRESIDENT	0.01	Officer Director	$0	$0	$0
SIDNEY CLARK	FISCAL AGENT	0.01	Officer Director	$2,500	$0	$2,500
JILL SPENCE	SECRETARY	0.01	Officer Director	$0	$0	$0
JACK HURST	COMMITTEE MEMBER	0.01	Officer Director	$0	$0	$0
LYNN NAUGLE	COMMITTEE MEMBER	0.01	Officer Director	$0	$0	$0
AUTUMN FISCUS HOLIDAYSBURG	AREA SD, PARTICIPANT REPRE	0.01	Director	$0	$0	$0
BARB BEVERAGE NORTH CLARION	COUNTY, PARTICIPANT REPRES	0.01	Director	$0	$0	$0
BRAD WALKERFREEPORT AREA SD	PARTICIPANT REPRESENTATIVE	0.01	Director	$0	$0	$0
BRENDA FLUKE-GARBER TUSSEY	MTN., PARTICIPANT REPRESEN	0.01	Director	$0	$0	$0
BRENDA KRAUSE SALISBURY-ELK	LICK SD, PARTICIPANT REPRE	0.01	Director	$0	$0	$0
CONNIE HARMOTTOBEAVER VALLEY	IU, PARTICIPANT REPRESENTA	0.01	Director	$0	$0	$0
CRISTY LENTZ SHIPPENSBURG	AREA SD, PARTICIPANT REPRE	0.01	Director	$0	$0	$0
DANA KIRK SENECA VALLEY SD	PARTICIPANT REPRESENTATIVE	0.01	Director	$0	$0	$0
DEANNA TURNER APOLLO RIDGE	PARTICIPANT REPRESENTATIVE	0.01	Director	$0	$0	$0
DENA BURKET CLAYSBURG-KIMMEL	PARTICIPANT REPRESENTATIVE	0.01	Director	$0	$0	$0
DENISE MILLS BEDFORD COUNTY	CTC, PARTICIPANT REPRESENT	0.01	Director	$0	$0	$0
GREG GATES BELLWOOD-ANTIS SD	PARTICIPANT REPRESENTATIVE	0.01	Director	$0	$0	$0
JARED CRONAUER INDIANA AREA	SD, PARTICIPANT REPRESENTA	0.01	Director	$0	$0	$0
JENN MELLOTT FULTON COUNTY	AVTS, PARTICIPANT REPRESEN	0.01	Director	$0	$0	$0
JENN MELLOTT SOUTHERN FULTON	SD, PARTICIPANT REPRESENTA	0.01	Director	$0	$0	$0
JENNIFER SLEPPY PENNS MANOR	AREA SD, PARTICIPANT REPRE	0.01	Director	$0	$0	$0
JENNY BOOTH SOMERSET CTC	PARTICIPANT REPRESENTATIVE	0.01	Director	$0	$0	$0
KIM RUSSIAN NORTH STAR SD	PARTICIPANT REPRESENTATIVE	0.01	Director	$0	$0	$0
KRISTEN CLOUSE BUTLER AREA	PARTICIPANT REPRESENTATIVE	0.01	Director	$0	$0	$0
KRISTIE HOHMANFORBES ROAD SD	PARTICIPANT REPRESENTATIVE	0.01	Director	$0	$0	$0
LAURA DELVECCIOBEAVER COUNTY	CTC, PARTICIPANT REPRESENT	0.01	Director	$0	$0	$0
MEGAN HEPLER UNION SCHOOL	DISTRICT, PARTICIPANT REPR	0.01	Director	$0	$0	$0
MIKE KIEHL WARREN COUNTY SD	PARTICIPANT REPRESENTATIVE	0.01	Director	$0	$0	$0
PHILLIP WOODS ALIQUIPPA	PARICIPANT REPRESENTATIVE	0.01	Director	$0	$0	$0
RACHEL HRABOVSKYINDIANA COUNTY	TECH, PARTICIPANT REPRESEN	0.01	Director	$0	$0	$0
RAQUEL RITTER CENTRAL FULTON	PARTICIPANT REPRESENTATIVE	0.01	Director	$0	$0	$0
REBEKAH DAVIS BUTLER COUNTY	AVTS, PARTICIPANT REPRESEN	0.01	Director	$0	$0	$0
SEAN TANNER MIDLAND BOROUGH	SD, PARTICIPANT REPRESENTA	0.01	Director	$0	$0	$0
SERENA PASCARELLA SOUTH SIDE	AREA SD, PARTICIPANT REPRE	0.01	Director	$0	$0	$0
SHANNON WELSH LINCOLN PARK	PARTICIPANT REPRESENTATIVE	0.01	Director	$0	$0	$0
TERESSA EDINGERLEECHBURG AREA	SD, PARTICIPANT REPRESENTA	0.01	Director	$0	$0	$0
TERI BIDDLE NORTHERN BEDFORD	COUNTY, PARTICIPANT REPRES	0.01	Director	$0	$0	$0
THERESA SCHANE SAINT CLAIRE SD	PARTICIPANT REPRESENTATIVE	0.01	Director	$0	$0	$0
THERESA SMITH EVERETT AREA	PARTICIPANT REPRESENTATIVE	0.01	Director	$0	$0	$0
TYLER JAMES HALIFAX	PARTICIPANT REPRESENTATIVE	0.01	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	$4,711,265	$4,729,726	$1,910,053	$-18,461
2024	No data	No data	No data	No data
2023	$3,258,219	$3,097,866	$1,706,773	$160,353
2022	$3,024,461	$2,678,906	$1,546,420	$345,555
2021	$3,004,891	$2,671,909	$1,200,865	$332,982

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