SO CAL RETAIL MERCHANTS LEAGUE C/O BENEFITS COORDINATORS (EIN 954104216) - 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

2024-01-01 to 2024-12-31

SO CAL RETAIL MERCHANTS LEAGUE C/O BENEFITS COORDINATORS, founded in 1988, is a micro nonprofit that reported $30K in total revenue in fiscal year 2024. Revenue fell 52% from the prior year — a significant decline worth monitoring. Expenses of $589K exceeded revenue, resulting in a 1841% operating deficit.

Mission

PROVIDING INSURANCE BENEFIT PLANS FOR SMALL BUSINESS 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 (2024)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $0

Investment Income $4,001

Other Revenue $26,344

TOTAL REVENUE $30,345

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Other Expenses $589,094

TOTAL EXPENSES $589,094

Year-over-Year Comparison

	2024	2023	Change
Revenue	$30,345	$63,069	-0.5%
Expenses	$589,094	$19,487	+29.2%
Net Income	$-558,749	$43,582	-13.8%

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		$2,898	$0	$2,898
N/A	PLAN ADMINISTRATOR AND TRU	3.00		$5,973	$0	$5,973

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	$30,345	$589,094	$2,275,265	$-558,749
2023	$63,069	$19,487	$2,828,966	$43,582
2022	$81,015	$16,134	$2,754,921	$64,881
2021	$217,805	$70,139	$2,656,093	$147,666
2020	$236,831	$467,500	$2,469,333	$-230,669
2019	$95,446	$13,458	$2,662,048	$81,988
2018	$120,483	$165,952	$2,560,357	$-45,469

SO CAL RETAIL MERCHANTS LEAGUE C/O BENEFITS COORDINATORS