PROFESSIONAL INDEPENDENT INSURANCE AGENTS OF COLORADO INC (EIN 841203189) - 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

1992

Legal Domicile

Principal Officer

BRYAN BERNIER

Phone

3035120627

Tax Period

2024-11-01 to 2025-10-31

PROFESSIONAL INDEPENDENT INSURANCE AGENTS OF COLORADO INC, founded in 1992, is a community nonprofit that reported $2.2M in total revenue in fiscal year 2024. Revenue grew 14% year-over-year, indicating healthy expansion. Expenses of $1.9M left a modest 12% surplus.

Mission

TO PROMOTE THE AGENCY SYSTEM AMONG THE INDEPENDENT INSURANCE AGENTS THROUGHOUT COLORADO, AND TO PROVIDE EDUCATIONAL AND OTHER RESOURCES TO STRENGTHEN PROFESSIONALISM IN THE INSURANCE INDUSTRY.

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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 $155,545

Program Service Revenue $751,373

Investment Income $73,016

Other Revenue $1,186,053

TOTAL REVENUE $2,165,987

Expense Breakdown

Grants Paid $0

Salaries & Benefits $1,112,406

Fundraising Expenses $0

Other Expenses $788,241

TOTAL EXPENSES $1,900,647

Year-over-Year Comparison

	2024	2023	Change
Revenue	$2,165,987	$1,904,741	+0.1%
Expenses	$1,900,647	$1,598,799	+0.2%
Net Income	$265,340	$305,942	-0.1%

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

Governance

Voting Members

Independent Members

Employees

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

$390,530

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
BRYAN BERNIER	CEO	40.00	Officer	$390,530	$0	$390,530
ANDY ALLAN	DIRECTOR	2.00	Director	$0	$0	$0
KIM BURKHARDT	CHAIR	2.00	Officer Director	$0	$0	$0
ASHLEY CANNY	DIRECTOR	2.00	Director	$0	$0	$0
TONY FERNANDEZ	DIRECTOR	2.00	Director	$0	$0	$0
ANDREW FRITZLER	VICE CHAIR	2.00	Officer Director	$0	$0	$0
ERIC JOHNSON	DIRECTOR	2.00	Director	$0	$0	$0
MICHAEL MCCARRON	STATE NATION	2.00	Director	$0	$0	$0
WHITNEY SHUPE	DIRECTOR	2.00	Director	$0	$0	$0
DAN YOUNG	DIRECTOR	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	$2,165,987	$1,900,647	$3,824,861	$265,340
2024	$1,904,741	$1,598,799	$2,999,593	$305,942
2023	$1,682,245	$1,485,857	$2,777,568	$196,388
2022	$1,509,889	$1,445,834	$2,660,657	$64,055
2021	$1,454,162	$1,345,848	$2,358,066	$108,314
2020	$1,409,239	$1,194,233	$2,129,340	$215,006
2019	$1,507,492	$1,361,466	$1,946,472	$146,026
2018	$1,512,167	$1,273,159	$1,771,731	$239,008

PROFESSIONAL INDEPENDENT INSURANCE AGENTS OF COLORADO INC