HOME BUILDERS ASSOCIATION OF SOUTH CAROLINA GROUP TRUST INSURANCE (EIN 846513736) - 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

2019

Legal Domicile

Principal Officer

MARK NIX

Phone

8037717408

Tax Period

2024-08-01 to 2025-07-31

HOME BUILDERS ASSOCIATION OF SOUTH CAROLINA GROUP TRUST INSURANCE, founded in 2019, is a community nonprofit in the Mutual Benefit sector that reported $6.3M in total revenue in fiscal year 2024. Revenue decreased 9% 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 $6,305,866

Investment Income $0

Other Revenue $0

TOTAL REVENUE $6,305,866

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Other Expenses $140,993

TOTAL EXPENSES $6,322,332

Year-over-Year Comparison

	2024	2023	Change
Revenue	$6,305,866	$6,920,282	-0.1%
Expenses	$6,322,332	$6,957,467	-0.1%
Net Income	$-16,466	$-37,185	-0.6%

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
MARK NIX	EXECUTIVE DIRECTOR	5.00	Director	$0	$0	$0
ROB CLEMONS	TRUSTEE	0.25	Director	$0	$0	$0
EDDIE YANDIE	TRUSTEE	0.25	Director	$0	$0	$0
DOUG JAMES	TRUSTEE	0.25	Director	$0	$0	$0
RYAN KAISER	TRUSTEE	0.25	Director	$0	$0	$0
JAY PINER	TRUSTEE	0.25	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	$6,305,866	$6,322,332	$132,562	$-16,466
2024	No data	No data	No data	No data
2023	$6,420,123	$6,401,491	$197,080	$18,632
2022	$5,534,573	$5,479,537	$181,067	$55,036

HOME BUILDERS ASSOCIATION OF SOUTH CAROLINA GROUP TRUST INSURANCE