Fire Fighters Of Boca Raton Retiree Insurance Trust Fund
Fire Fighters Of Boca Raton Retiree Insurance Trust Fund consistently grows assets with zero reported officer compensation.
EIN: 204998355 · Delray Beach, FL · NTEE: Y44 · Updated: 2026-03-28
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Fire Fighters Of Boca Raton Retiree Insurance Trust Fund is mapped to EIN 204998355.
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| Metric | Value |
|---|---|
| Total Revenue | $1.4M |
| Total Expenses | $680K |
| Program Spending | 95% |
| CEO/Top Officer Pay | $8.6 |
| Net Assets | $6.9M |
| Transparency Score | 90/100 |
Search Intent Cockpit
Fire Fighters Of Boca Raton Retiree Insurance Trust Fund Form 990, Revenue, CEO Pay, and IRS Filing Signals
Fire Fighters Of Boca Raton Retiree Insurance Trust Fund is surfaced here as a decision-ready nonprofit financial profile, not just a charity listing. The page consolidates IRS Form 990 revenue, expenses, assets, tax-exempt classification, executive compensation, mission score, red flags, and year-by-year filing history so donors, researchers, journalists, and grant teams can answer the common search questions around Fire Fighters Of Boca Raton Retiree Insurance Trust Fund in one place.
Form 990 Filing Summary
11 filing years are available, with latest revenue of $947K and expenses of $680K.
Revenue and Expenses
Fire Fighters Of Boca Raton Retiree Insurance Trust Fund reported $947K in revenue and $680K in expenses, a surplus of $267K.
Executive Compensation
Top officer compensation appears as $8.6 in the stored analysis, with context against revenue and expenses below.
Charity Score and Red Flags
90/100 mission score, 0 red flags, and 4 strengths are shown from structured and AI review.
Is Fire Fighters Of Boca Raton Retiree Insurance Trust Fund Legit?
Appears Legitimate
Assessment based on IRS 990 filings, spending patterns, and AI analysis. Not a guarantee of legitimacy. Full charity check →
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Where the Money Comes From and Where It Goes
Revenue Source Mix
Revenue-source line items are not available on the stored filing yet. Future ingestion now preserves contribution, program-revenue, and investment-income fields when ProPublica provides them.
Expense Deployment
| Program services | $646K (95%) |
Across stored filings, Fire Fighters Of Boca Raton Retiree Insurance Trust Fund shows contribution history pending. Next enrichment targets: revenue-source fields, IRS BMF classification.
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| Decision Lens | Signal | What to Inspect Next |
|---|---|---|
| Legitimacy | Appears Legitimate | Good filing record; no red flags identified |
| Mission spend | 95% to programs | Excellent |
| Financial durability | Grade A | 11 stored filing years |
| Peer context | Compare with Cornelia Warren Community Assn Inc | Florida and Category Y context |
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Fire Fighters Of Boca Raton Retiree Insurance Trust Fund directs 95% of its spending to programs. This exceeds the industry benchmark of 65%, indicating strong mission focus.
About Fire Fighters Of Boca Raton Retiree Insurance Trust Fund
Fire Fighters Of Boca Raton Retiree Insurance Trust Fund (EIN: 204998355) is a nonprofit organization based in Delray Beach, FL, classified under NTEE code Y44. The organization reported total revenue of $1.4M and total assets of $11.2M according to its most recent IRS 990 filing. This transparency report provides an AI-powered analysis of Fire Fighters Of Boca Raton Retiree Insurance Trust Fund's financial health, spending patterns, executive compensation, and overall mission effectiveness based on publicly available IRS data.
Organization Overview
Fire Fighters Of Boca Raton Retiree Insurance Trust Fund is a mid-size nonprofit that has been operating for 19 years, with 11 years of IRS 990 filings on record (2012–2023). Revenue has grown at a compound annual rate of 5.2%.
Key Financial Metrics (2023)
From the most recent IRS 990 filing on record:
| Total Revenue | $947K |
| Total Expenses | $680K |
| Surplus / Deficit | +$267K |
| Total Assets | $8.7M |
| Total Liabilities | $1.8M |
| Net Assets | $6.9M |
| Operating Margin | 28.2% |
| Debt-to-Asset Ratio | 20.9% |
| Months of Reserves | 153.3 months |
Financial Health Grade: A
In 2023, Fire Fighters Of Boca Raton Retiree Insurance Trust Fund reported a surplus of $267K with revenue exceeding expenses, holds 153.3 months of operating reserves (strong position), has a debt-to-asset ratio of 20.9% (moderate leverage).
Financial Trends
Over 11 years of filings (2012–2023), Fire Fighters Of Boca Raton Retiree Insurance Trust Fund's revenue has grown at a compound annual growth rate (CAGR) of 5.2%.
| Year | Revenue Change | Expense Change | Asset Change |
|---|---|---|---|
| 2023 | -64.5% | +11.7% | +18.8% |
| 2022 | +124.5% | +12.6% | -17.9% |
| 2021 | +47.6% | +5.4% | +20.7% |
| 2020 | +10.6% | +26.4% | +19.3% |
| 2018 | +12.2% | +8.0% | +10.7% |
IRS Tax-Exempt Classification
| IRS Classification Codes | 1000 |
| IRS Ruling Date | 2007 |
Classification data from ProPublica Nonprofit Explorer. Additional BMF data may be available after enrichment.
AI Transparency Report
Mission Effectiveness Score
NonprofitSpending's AI analysis rates Fire Fighters Of Boca Raton Retiree Insurance Trust Fund with a Mission Score of 90 out of 100 (Excellent). This score reflects the organization's overall financial transparency, program spending efficiency, and governance indicators derived from IRS 990 public filings.
Spending Breakdown
- admin: 5%
- programs: 95%
- fundraising: 0%
According to IRS 990 filings, Fire Fighters Of Boca Raton Retiree Insurance Trust Fund allocates its expenses as follows: admin: 5%, programs: 95%, fundraising: 0%. With 95% directed toward programs, this reflects a strong commitment to its charitable mission.
Key Financial Metrics (2023)
From the most recent IRS 990 filing on record:
- The organization reported a surplus of $267K, with revenue exceeding expenses.
- Debt-to-asset ratio: 20.9%.
Executive Compensation Analysis
Executive compensation is reported as 0% across all available filings, indicating that no officers or key employees receive compensation from the organization. This is highly efficient for an organization of its size, with assets exceeding $8.6 million in 2023.
Executive compensation data is sourced from IRS 990 filings, which require nonprofits to disclose the compensation of officers, directors, trustees, and key employees. NonprofitSpending analyzes this data relative to the organization's total revenue and sector benchmarks to assess whether executive pay is reasonable.
Strengths
The following positive indicators were identified for Fire Fighters Of Boca Raton Retiree Insurance Trust Fund:
- Consistent asset growth: Assets have grown from $3.6 million in 2013 to $8.6 million in 2023, demonstrating strong financial management.
- Zero officer compensation: No compensation is reported for officers, directors, trustees, or key employees across all filings, indicating high efficiency.
- Low administrative overhead: The nature of a trust fund with no officer compensation suggests very low administrative costs, maximizing resources for beneficiaries.
- Stable expense management: Despite fluctuating revenues, expenses have remained relatively controlled and consistent, ensuring financial stability.
Frequently Asked Questions about Fire Fighters Of Boca Raton Retiree Insurance Trust Fund
Is Fire Fighters Of Boca Raton Retiree Insurance Trust Fund a legitimate charity?
Fire Fighters Of Boca Raton Retiree Insurance Trust Fund (EIN: 204998355) is a registered tax-exempt nonprofit based in Florida. Our AI analysis gives it a Mission Score of 90/100. It has 11 years of IRS 990 filings on record. Total revenue: $1.4M. No red flags identified. 4 strengths noted. Financial health grade: A.
How does Fire Fighters Of Boca Raton Retiree Insurance Trust Fund spend its money?
Fire Fighters Of Boca Raton Retiree Insurance Trust Fund directs 95% of its spending to programs and services. This exceeds the 65% industry benchmark.
Are donations to Fire Fighters Of Boca Raton Retiree Insurance Trust Fund tax-deductible?
Fire Fighters Of Boca Raton Retiree Insurance Trust Fund is registered as a tax-exempt nonprofit (EIN: 204998355). Donations to most 501(c)(3) organizations are tax-deductible. Consult a tax professional for your specific situation.
How much does the Fire Fighters Of Boca Raton Retiree Insurance Trust Fund CEO make?
Fire Fighters Of Boca Raton Retiree Insurance Trust Fund's highest-compensated officer earns $8.6 annually. The organization reported $1.4M in total revenue. Executive compensation data is disclosed in IRS 990 filings.
How does Fire Fighters Of Boca Raton Retiree Insurance Trust Fund compare to similar nonprofits?
With a transparency score of 90/100 (Excellent), Fire Fighters Of Boca Raton Retiree Insurance Trust Fund is above average for NTEE category Y44 nonprofits. The score reflects financial transparency, program spending efficiency, and governance quality based on IRS 990 data.
Where is Fire Fighters Of Boca Raton Retiree Insurance Trust Fund located?
Fire Fighters Of Boca Raton Retiree Insurance Trust Fund is headquartered in Delray Beach, Florida and files with the IRS under EIN 204998355. It is classified under NTEE code Y44.
How many years of IRS 990 filings does Fire Fighters Of Boca Raton Retiree Insurance Trust Fund have?
Fire Fighters Of Boca Raton Retiree Insurance Trust Fund has 11 years of IRS 990 filings on record at NonprofitSpending. This extensive filing history provides a strong basis for evaluating long-term financial trends. The most recent filing shows $1.4M in total revenue.
What specific insurance benefits does the trust provide?
The NTEE code Y44 suggests 'Pension, Retirement & Post-Employment Benefit Plans,' indicating the trust likely provides health, life, or other insurance benefits to retired firefighters of Boca Raton, though specific details would require reviewing the full 990 forms or organizational documents.
How does the trust manage its investment assets?
With assets growing from $3.6 million to over $8.6 million in a decade, the trust appears to have a robust investment strategy. However, the specific types of investments and management strategies are not detailed in the summary data provided and would require reviewing the full 990 forms.
What causes the significant fluctuations in annual revenue?
Revenue has varied widely, from $538,377 in 2013 to $2,664,637 in 2022. This could be due to investment gains/losses, varying contributions from the city or union, or other specific funding mechanisms related to retiree benefits. Further investigation into the revenue sources on the 990 forms would be needed.
Filing History
IRS 990 filing history for Fire Fighters Of Boca Raton Retiree Insurance Trust Fund showing financial trends over 11 years of public records:
Over 11 years of IRS 990 filings (2012–2023), Fire Fighters Of Boca Raton Retiree Insurance Trust Fund's revenue has grown by 74%, moving from $544K to $947K. Total assets increased by 202.7% over the same period, from $2.9M to $8.7M. Total functional expenses rose by 447.3%, from $124K to $680K. In its most recent filing year (2023), Fire Fighters Of Boca Raton Retiree Insurance Trust Fund reported a surplus of $267K, with revenue exceeding expenses. The organization holds $1.8M in liabilities against $8.7M in assets (debt-to-asset ratio: 20.9%), resulting in net assets of $6.9M.
| Year | Revenue | Expenses | Assets | Liabilities | Officer Comp. % | |
|---|---|---|---|---|---|---|
| 2023 | $947K | $680K | $8.7M | $1.8M | — | — |
| 2022 | $2.7M | $609K | $7.3M | $1.4M | — | View 990 |
| 2021 | $1.2M | $541K | $8.9M | $1.6M | — | View 990 |
| 2020 | $804K | $513K | $7.4M | $1.5M | — | View 990 |
| 2018 | $727K | $406K | $6.2M | $977K | — | View 990 |
| 2017 | $649K | $375K | $5.6M | $832K | — | View 990 |
| 2016 | $1.4M | $317K | $4.9M | $836K | — | View 990 |
| 2015 | $619K | $268K | $4.4M | $882K | — | View 990 |
| 2014 | $557K | $206K | $4.3M | $929K | — | View 990 |
| 2013 | $538K | $171K | $3.6M | $849K | — | View 990 |
| 2012 | $544K | $124K | $2.9M | $737K | — | View 990 |
Year-by-Year Financial Summary
- 2023: Revenue of $947K, expenses of $680K, and assets of $8.7M (revenue -64.5% year-over-year).
- 2022: Revenue of $2.7M, expenses of $609K, and assets of $7.3M (revenue +124.5% year-over-year).
- 2021: Revenue of $1.2M, expenses of $541K, and assets of $8.9M (revenue +47.6% year-over-year).
- 2020: Revenue of $804K, expenses of $513K, and assets of $7.4M (revenue +10.6% year-over-year).
- 2018: Revenue of $727K, expenses of $406K, and assets of $6.2M (revenue +12.2% year-over-year).
- 2017: Revenue of $649K, expenses of $375K, and assets of $5.6M (revenue -55.1% year-over-year).
- 2016: Revenue of $1.4M, expenses of $317K, and assets of $4.9M (revenue +133.1% year-over-year).
- 2015: Revenue of $619K, expenses of $268K, and assets of $4.4M (revenue +11.2% year-over-year).
- 2014: Revenue of $557K, expenses of $206K, and assets of $4.3M (revenue +3.4% year-over-year).
- 2013: Revenue of $538K, expenses of $171K, and assets of $3.6M (revenue -1.1% year-over-year).
- 2012: Revenue of $544K, expenses of $124K, and assets of $2.9M.
View Individual Filing Years
Explore detailed financial data from each IRS 990 filing year for Fire Fighters Of Boca Raton Retiree Insurance Trust Fund:
Data Sources and Methodology
This transparency report for Fire Fighters Of Boca Raton Retiree Insurance Trust Fund is generated by NonprofitSpending's AI analysis engine. The data is sourced from publicly available IRS 990 filings accessed through the ProPublica Nonprofit Explorer API and IRS electronic filing records. The Mission Score, spending breakdown, and other analytical insights are produced by artificial intelligence and should be used as one of multiple factors when evaluating a nonprofit organization.
IRS 990 forms are annual information returns that most tax-exempt organizations must file with the IRS. These forms provide detailed financial information including revenue, expenses, assets, liabilities, and compensation of officers. NonprofitSpending processes this data to provide accessible transparency reports for donors, researchers, and the general public.
Disclaimer
AI-generated analysis based on IRS public records. Not financial or legal advice. Verify information directly with the organization.