CONSULTANTS AND FINANCIAL PLANNERS PROFESSIONAL ASSOC C/O BENEFITS COORD (EIN 954104209) - 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

1988

Legal Domicile

Principal Officer

STEVE ROSEBAUGH

Phone

8186317028

Tax Period

2023-01-01 to 2023-12-31

CONSULTANTS AND FINANCIAL PLANNERS PROFESSIONAL ASSOC C/O BENEFITS COORD, founded in 1988, is a micro nonprofit that reported $84K in total revenue in fiscal year 2023. Revenue fell 48% from the prior year — a significant decline worth monitoring. The organization ran a surplus of $27K, a strong 32% operating margin.

Mission

PROVIDING INSURANCE BENEFIT PLANS FOR SMALL BUSINESSES AND EMPLOYERS

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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 $0

Investment Income $9,789

Other Revenue $74,441

TOTAL REVENUE $84,230

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Other Expenses $57,264

TOTAL EXPENSES $57,264

Year-over-Year Comparison

	2023	2022	Change
Revenue	$84,230	$161,668	-0.5%
Expenses	$57,264	$167,231	-0.7%
Net Income	$26,966	$-5,563	-5.8%

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
N/A	DIRECTED TRUSTEE AND CUSTO	1.00		$8,929	$0	$8,929
N/A	PLAN ADMINISTRATOR AND TRU	3.00		$18,089	$0	$18,089

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	No data	No data	No data	No data
2023	$84,230	$57,264	$8,484,656	$26,966
2022	$161,668	$167,231	$8,356,438	$-5,563
2021	$364,060	$60,557	$8,265,810	$303,503
2020	$380,171	$413,101	$7,939,291	$-32,930
2019	$2,567,862	$113,548	$7,972,134	$2,454,314
2018	$2,272,213	$6,861,427	$5,381,171	$-4,589,214

CONSULTANTS AND FINANCIAL PLANNERS PROFESSIONAL ASSOC C/O BENEFITS COORD