ESTERO FIRE RESCUE RETIREE INS TR FUND (EIN 852778618) - 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

LINDA L CONWAY

Phone

2393908000

Tax Period

2023-10-01 to 2024-09-30

ESTERO FIRE RESCUE RETIREE INS TR FUND, founded in 2020, is a small nonprofit in the Mutual Benefit sector that reported $289K in total revenue in fiscal year 2023. Revenue surged 31% from the prior year, signaling strong growth momentum. The organization ran a surplus of $279K, a strong 97% operating margin.

Mission

THIS FUND HAS BEEN ESTABLISHED TO PROVIDE POST-RETIREMENT HEALTH BENEFITS FOR THE ESTERO FIRE RESCUE DISTRICT, A GOVERNMENTAL UNIT ESTABLISHED UNDER FLORIDA STATUTE.

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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 (2023)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $247,517

Investment Income $41,150

Other Revenue $0

TOTAL REVENUE $288,667

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Other Expenses $9,418

TOTAL EXPENSES $9,418

Year-over-Year Comparison

	2023	2022	Change
Revenue	$288,667	$221,134	+0.3%
Expenses	$9,418	$4,179	+1.3%
Net Income	$279,249	$216,955	+0.3%

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

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

$143,236

Total Directors

$453,768

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
CHRISTOPHER INTARTAGLIO	TRUSTEE	1.00	Officer Director	$0	$0	$143,236
LAURA WHELAN	TRUSTEE	1.00	Director	$0	$0	$127,631
LINDA L CONWAY	CHAIRPERSON	1.00	Director	$0	$0	$106,288
KIM E POLI	TRUSTEE	1.00	Director	$0	$0	$76,613

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
2024	$288,667	$9,418	$1,645,695	$279,249
2023	$221,134	$4,179	$1,162,304	$216,955
2022	$227,184	$3,629	$845,519	$223,555

ESTERO FIRE RESCUE RETIREE INS TR FUND