INDEPENDENT INSURANCE AGENTS AND BROKERS OF SAN DIEGO INC (EIN 956093439) - 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

1934

Legal Domicile

Principal Officer

DANIEL OLSON

Phone

6197495168

Tax Period

2024-01-01 to 2024-12-31

INDEPENDENT INSURANCE AGENTS AND BROKERS OF SAN DIEGO INC, founded in 1934, is a small nonprofit that reported $244K in total revenue in fiscal year 2024. Revenue grew 9% year-over-year, indicating healthy expansion.

Mission

THE ORGANIZATION EDUCATES, INFORMS AND FOSTERS SOUND AND LEGITIMATE PRACTICES IN THE LOCAL 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 (2024)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $218,238

Investment Income $1,165

Other Revenue $24,364

TOTAL REVENUE $243,767

Expense Breakdown

Grants Paid $19,536

Salaries & Benefits $51,222

Fundraising Expenses $0

Other Expenses $173,916

TOTAL EXPENSES $244,674

Year-over-Year Comparison

	2024	2023	Change
Revenue	$243,767	$222,780	+0.1%
Expenses	$244,674	$236,122	+0.0%
Net Income	$-907	$-13,342	-0.9%

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

Total Directors

$47,400

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
DANIEL OLSON	PRESIDENT	1.00	Officer Director	$0	$0	$0
MORGAN HEGE	PRESIDENT-ELECT	1.00	Director	$0	$0	$0
JEREMY HOOLIHAN	SECRETARY/TREASURER	1.00	Officer Director	$0	$0	$0
SUSAN MCMILLON	PAST PRESIDENT	1.00	Director	$0	$0	$0
LORI FENTRESS	EXECUTIVE DIRECTOR	20.00	Director	$47,400	$0	$47,400
WELLA CAMPBELL	BOARD MEMBER	1.00	Director	$0	$0	$0
BRIAN RUIZ	BOARD MEMBER	1.00	Director	$0	$0	$0
JENNIFER JOHNSON	BOARD MEMBER	1.00	Director	$0	$0	$0
JOE HAMILTON	BOARD MEMBER	1.00	Director	$0	$0	$0
DAVID JACOBSON	BOARD MEMBER	1.00	Director	$0	$0	$0
TRAVIS PEARSON	BOARD MEMBER	1.00	Director	$0	$0	$0
OSMAR ESPINOZA	BOARD MEMBER	1.00	Director	$0	$0	$0
RICH SABATOWSKI	BOARD MEMBER	1.00	Director	$0	$0	$0
SANDI GRIGG	BOARD MEMBER	1.00	Director	$0	$0	$0
GIL GEVARIANS	BOARD MEMBER	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	No data	No data	No data	No data
2024	$243,767	$244,674	$58,567	$-907
2023	$222,780	$236,122	$66,141	$-13,342
2022	$208,192	$203,683	$73,001	$4,509
2021	$188,252	$157,484	$67,285	$30,768
2020	$53,539	$76,623	$123,806	$-23,084
2019	$221,003	$214,279	$60,399	$6,724
2018	$202,666	$193,106	$50,677	$9,560

INDEPENDENT INSURANCE AGENTS AND BROKERS OF SAN DIEGO INC