RURAL IOWA COMMUNITY HEALTH ALLIANCE BENEFITS TRUST (EIN 932883804) - 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

2023

Legal Domicile

Principal Officer

AMY MCDANIEL

Phone

6414445621

Tax Period

2024-01-01 to 2024-12-31

RURAL IOWA COMMUNITY HEALTH ALLIANCE BENEFITS TRUST, founded in 2023, is a mid-sized nonprofit in the Mutual Benefit sector that reported $35.6M in total revenue in fiscal year 2024. The organization ran a surplus of $5.7M, a strong 16% operating margin.

Mission

TO PROVIDE FOR THE PAYMENT OF LIFE, SICK, ACCIDENT AND OTHER PERMISSIBLE BENEFITS OFFERED UNDER THE PLAN TO THE PARTICIPATING EMPLOYEES AND OTHER PARTICIPANTS THROUGH INSURANCE AND OTHER QUALIFYING BENEFITS.

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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 $35,563,581

Investment Income $57,676

Other Revenue $0

TOTAL REVENUE $35,621,257

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Other Expenses $2,946,424

TOTAL EXPENSES $29,913,050

Year-over-Year Comparison

	2024	2023	Change
Revenue	$35,621,257	N/A	N/A
Expenses	$29,913,050	N/A	N/A
Net Income	$5,708,207	N/A	N/A

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

$1,164,832

Total Directors

$2,550,461

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
AMY MCDANIEL	TRUSTEE CHAI	1.00	Officer Director	$0	$49,061	$446,896
BARRY JACOBSEN	TRUSTEE TREA	1.00	Officer Director	$0	$45,249	$408,015
DANETTE KRAMER	TRUSTEE	1.00	Director	$0	$45,992	$401,896
MIKE O'NEAL	TRUSTEE	1.00	Director	$0	$52,584	$337,841
MATT IVES	TRUSTEE SECR	1.00	Officer Director	$0	$50,542	$309,921
LYNN WOLD	TRUSTEE	1.00	Director	$0	$35,899	$292,526
BRENT FEICKERT	TRUSTEE	1.00	Director	$0	$38,164	$223,272
SHANNON FOX	TRUSTEE	1.00	Director	$0	$22,184	$130,094

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	$35,621,257	$29,913,050	$6,451,479	$5,708,207

RURAL IOWA COMMUNITY HEALTH ALLIANCE BENEFITS TRUST