CENTER FOR ACCESS TO QDROS (EIN 920708510) - 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

2022

Legal Domicile

Principal Officer

LOUISE NIXON

Phone

9096861154

Tax Period

2025-01-01 to 2025-12-31

CENTER FOR ACCESS TO QDROS, founded in 2022, is a community nonprofit in the Public & Societal Benefit sector that reported $1.3M in total revenue in fiscal year 2025. Revenue surged 356% from the prior year, signaling strong growth momentum. Expenses of $1.2M left a modest 6% surplus.

Mission

TO PROTECT AND PROMOTE THE RETIREMENT SECURITY OF WORKERS, RETIREES, AND THEIR FAMILIES THROUGH A LOW COST RETIREMENT BENEFITS DIVISION PLATFORM AND FREE LEGAL EDUCATION TO LOW INCOME PERSONS.

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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 (2025)

Revenue Breakdown

Contributions & Grants $1,288,760

Program Service Revenue $0

Investment Income $15,002

Other Revenue $0

TOTAL REVENUE $1,303,762

Expense Breakdown

Grants Paid $0

Salaries & Benefits $1,000,641

Fundraising Expenses $0

Program Expenses $1,127,913

Other Expenses $222,749

TOTAL EXPENSES $1,223,390

Year-over-Year Comparison

	2025	2024	Change
Revenue	$1,303,762	$285,780	+3.6%
Expenses	$1,223,390	$347,720	+2.5%
Net Income	$80,372	$-61,940	-2.3%

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

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

$348,539

Total Directors

$227,088

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
LOUISE NIXON	President	10.00	Officer Director	$122,280	$14,308	$136,588
CARRIE HOLMES	Executive Dir.	35.00	Officer	$105,768	$16,516	$122,284
KELLY RYAN	CFO	35.00	Officer Director	$47,917	$0	$47,917
KRISTEN FRISCH	Secretary	15.00	Officer Director	$41,750	$0	$41,750
ADAM MARTIN	Director	20.00	Director	$833	$0	$833
REBECCA RUIZ	Director	1.00	Director	$0	$0	$0
SANDRA BATTIATA	Director	1.00	Director	$0	$0	$0
DAVE NOWICKI	Director	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
2025	$1,303,762	$1,223,390	$980,601	$80,372
2024	$285,780	$347,720	$473	$-61,940

CENTER FOR ACCESS TO QDROS