SOUTH CAROLINA ASSOCIATION OF CPAS GROUP INSURANCE TRUST (EIN 846721368) - 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

JACQUELYN M CURTIN CPA

Phone

8037914181

Tax Period

2023-01-01 to 2023-03-31

SOUTH CAROLINA ASSOCIATION OF CPAS GROUP INSURANCE TRUST, founded in 2019, is a micro nonprofit that reported $1K in total revenue in fiscal year 2022. Revenue fell 100% from the prior year — a significant decline worth monitoring. Expenses of $959 left a modest 5% surplus.

Mission

THE TRUST WILL PROVIDE HEALTH AND WELFARE BENEFITS TO MEMBERS OF THE SOUTH CAROLINA ASSOCIATION OF CERTIFIED PUBLIC ACCOUNTANTS (SCACPA). THE TRUST WILL PROVIDE HEALTH, DENTAL, VISION, SHORT-TERM DISABILITY, LONG-TERM DISABILITY AND LIFE INSURANCE TO MEMBER FIRMS AND THEIR EMPLOYEES AND EMPLOYEE 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%)

Financial Overview (2022)

Revenue Breakdown

Contributions & Grants $1,000

Program Service Revenue $0

Investment Income $0

Other Revenue $12

TOTAL REVENUE $1,012

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Other Expenses $959

TOTAL EXPENSES $959

Year-over-Year Comparison

	2022	2021	Change
Revenue	$1,012	$225,341	-1.0%
Expenses	$959	$226,231	-1.0%
Net Income	$53	$-890	-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

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

$40,414

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
JACQUELYN M CURTIN CPA	BOARD MEMBER	1.00	Director	$0	$5,339	$40,414
HARRIS DARVER CPA	BOARD MEMBER	1.00	Director	$0	$0	$0
WAYNE MUSICK SPHR SHRM-CP	BOARD MEMBER	1.00	Director	$0	$0	$0
JOHN W ROBINSON JR CPA	BOARD MEMBER	1.00	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
2023	$1,012	$959	No data	$53
2022	$225,341	$226,231	$292	$-890
2021	$245,094	$246,127	$12,588	$-1,033
2020	$203,267	$201,397	$2,231	$1,870

SOUTH CAROLINA ASSOCIATION OF CPAS GROUP INSURANCE TRUST