Independent Insurance Agents & Brokers of Sacramento (EIN 941736203) - 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

1971

Legal Domicile

Principal Officer

Shirley Rosenberg

Phone

9164190306

Tax Period

2025-01-01 to 2025-12-31

Independent Insurance Agents & Brokers of Sacramento, founded in 1971, is a small nonprofit that reported $227K in total revenue in fiscal year 2025. Revenue decreased 16% compared to the prior year.

Mission

To enable independent insurance agents to promote the insurance industry.

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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 $15,900

Program Service Revenue $189,384

Investment Income $30

Other Revenue $21,905

TOTAL REVENUE $227,219

Expense Breakdown

Grants Paid $5,500

Salaries & Benefits $0

Fundraising Expenses $0

Other Expenses $230,167

TOTAL EXPENSES $235,667

Year-over-Year Comparison

	2025	2024	Change
Revenue	$227,219	$269,748	-0.2%
Expenses	$235,667	$191,155	+0.2%
Net Income	$-8,448	$78,593	-1.1%

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

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

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
Jeremy Parker	President	1.00	Officer Director	$0	$0	$0
Heath Sheppard	past president	1.00	Director	$0	$0	$0
Shirley Rosenberg	Executive Dir.	1.00	Officer Director	$0	$0	$0
Dean Fletcher	president elect	1.00	Director	$0	$0	$0
James Drake	Secretary/treas	1.00	Officer Director	$0	$0	$0
Rachael Rose	Director	0.00	Director	$0	$0	$0
Tony Bozzuto	Director	0.00	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	$227,219	$235,667	$186,875	$-8,448
2024	$269,748	$191,155	$195,323	$78,593
2023	$249,643	$280,206	$116,730	$-30,563
2022	$255,632	$310,979	$147,293	$-55,347
2019	$279,561	$293,217	$265,167	$-13,656
2018	$282,489	$246,388	$278,823	$36,101

Independent Insurance Agents & Brokers of Sacramento