HARMONY PROTECTION GROUP (EIN 852377219) - 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

2020

Legal Domicile

Principal Officer

Keith Frndak CEO

Phone

7243521571

Tax Period

2024-07-01 to 2025-06-30

HARMONY PROTECTION GROUP, founded in 2020, is a community nonprofit in the Mutual Benefit sector that reported $4.6M in total revenue in fiscal year 2024. Revenue grew 16% year-over-year, indicating healthy expansion. The organization ran a surplus of $2.0M, a strong 42% operating margin.

Mission

Harmony Protection Group's charitable purpose is to provide insurance coverage to affiliate 501(c)(3) organizations.

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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 $4,212,584

Investment Income $390,443

Other Revenue $0

TOTAL REVENUE $4,603,027

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $2,649,177

Other Expenses $2,651,448

TOTAL EXPENSES $2,651,448

Year-over-Year Comparison

	2024	2023	Change
Revenue	$4,603,027	$3,953,939	+0.2%
Expenses	$2,651,448	$2,819,397	-0.1%
Net Income	$1,951,579	$1,134,542	+0.7%

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

N/A

Employees

N/A

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

$1,263,959

Total Directors

$3,182,926

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
Keith Frndak-See Schedule O	Chair/President	5	Officer Director	$0	$37,218	$905,273
Brian Hortert-See Schedule O	Board Member	1	Director	$0	$36,679	$551,892
Michael Falbo-See Schedule O	Treasurer	1	Officer Director	$0	$33,072	$358,686
Cristen Fiffik-See Schedule O	Board Member	1	Director	$0	$17,981	$348,737
Tammy Young-See Schedule O	Board Member	1	Director	$0	$15,421	$274,253
Misty Ingram-See Schedule O	Board Member	1	Director	$0	$23,844	$191,549
Stacy Mathers-See Schedule O	Board Member	1	Director	$0	$12,059	$186,617
Becky Bloom-See Schedule O	Board Member	1	Director	$0	$14,267	$132,727
Tim Temple-See Schedule O	Board Member	1	Director	$0	$15,146	$121,981
Charla Oesterling-See Schedule O	Board Member	1	Director	$0	$13,375	$111,211

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	$4,603,027	$2,651,448	$22,418,468	$1,951,579
2024	No data	No data	No data	No data
2023	$3,481,895	$1,938,378	$14,604,302	$1,543,517
2022	$1,567,003	$496,186	$11,727,039	$1,070,817
2021	$10,002,040	$54,656	$10,892,234	$9,947,384

HARMONY PROTECTION GROUP