ALBEDO INSURANCE COMPANY IC

EIN: 851454978 501(c)(3)

BURLINGTON, VT

Total Revenue
$72,738,443
Total Expenses
$37,603,298
Total Assets
$220,904,785
Net Assets
$90,952,123
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Financial Vulnerability Assessment (Tuckman-Chang)

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Financial Trends

Organization Details

Formation Year
2020
Legal Domicile
VT
Principal Officer
JASON BENNETT
Phone
2138211900
Tax Period
2024-07-01 to 2025-06-30

ALBEDO INSURANCE COMPANY IC, founded in 2020, is a mid-sized nonprofit that reported $72.7M in total revenue in fiscal year 2024. Revenue surged 31% from the prior year, signaling strong growth momentum. The organization ran a surplus of $35.1M, a strong 48% operating margin.

Mission

ALBEDO INSURANCE COMPANY, IC (ALBEDO) IS A PUBLIC BENEFIT CORPORATION AND INCORPORATED PROTECTED CELL OF A SPONSORED CAPTIVE INSURANCE COMPANY ORGANIZED IN ACCORDANCE WITH THE VERMONT NONPROFIT CORPORATION ACT AND CHAPTER 141 OF TITLE 8 OF THE VERMONT STATUTES ANNOTATED. ALBEDO IS ORGANIZED AND OPERATED AS A SUPPORTING ORGANIZATION DESCRIBED IN INTERNAL REVENUE CODE SECTION 509(A)(3) TO PROVIDE SERVICES AND RESOURCES FOR THE BENEFIT OF, TO PERFORM FUNCTIONS OF, AND TO CARRY OUT THE PURPOSES OF, THE UNIVERSITY OF SOUTHERN CALIFORNIA (USC) AND USC'S TAX-EXEMPT AFFILIATES, SO LONG AS USC AND SUCH AFFILIATES ARE DESCRIBED IN PARAGRAPHS (1) OR (2) OF SECTION 509(A). SPECIFICALLY, ALBEDO'S SOLE PLANNED ACTIVITY IS TO FACILITATE SELF-INSURANCE WITH RESPECT TO CERTAIN CASUALTY EXPOSURES OF USC AND USC'S TAX EXEMPT AFFILIATES.

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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 $62,505,000
Investment Income $10,233,443
Other Revenue $0
TOTAL REVENUE $72,738,443

Expense Breakdown

Grants Paid $0
Salaries & Benefits $0
Fundraising Expenses $0
Program Expenses $37,603,298
Other Expenses $37,603,298
TOTAL EXPENSES $37,603,298

Year-over-Year Comparison

2024 2023 Change
Revenue $72,738,443 $55,575,759 +0.3%
Expenses $37,603,298 $43,004,484 -0.1%
Net Income $35,135,145 $12,571,275 +1.8%
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
6
Independent Members
N/A
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
4
$2,314,645
Total Directors
6
$10,094,814
Key Employees
0
$0
Highest Compensated
1
reported
Name Title Hours/Week Role Reportable Comp Other Comp Total
STEVEN D SHAPIRO MD DIRECTOR 2.0
Director
$0 $370,964 $3,285,046
ROD HANNERS DIRECTOR 2.0
Director
$0 $146,246 $2,498,697
BEONG-SOO KIM DIRECTOR 2.0
Director
$0 $254,549 $1,592,344
ERIK BRINK DIRECTOR 2.0
Director
$0 $252,727 $1,513,880
CASANDRA PORTER TREASURER (AS OF 4/28/25)/DIR. 2.0
Officer Director
$0 $161,532 $690,330
CAROLYN DOMEN-BROSHEARS SECRETARY 2.0
Officer
$0 $117,076 $588,159
CAROLINE WILHELM TREASURER (UNTIL 04/28/2025) 2.0
Officer
$0 $137,891 $521,639
JASON BENNETT PRESIDENT/DIRECTOR 20.0
Officer Director
$0 $70,234 $514,517
WAJEEHA SHAKEEL FIN/DATA ANALYTICS MANAGER 25.0
Highest
$0 $52,189 $206,269
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 $72,738,443 $37,603,298 $220,904,785 $35,135,145
2024 No data No data No data No data
2023 $42,865,562 $33,068,659 $99,308,663 $9,796,903
2022 $48,020,181 $33,991,526 $61,785,106 $14,028,655
2021 $14,670,004 $7,947,936 $18,663,246 $6,722,068
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