Total Risk Management Inc Voluntary Employee Benefits Tr
Voluntary Employee Benefits Trust consistently spends near or above its revenue with no reported officer compensation.
EIN: 204462361 · Kansas City, MO · NTEE: Y43 · Updated: 2026-03-28
Source Check Matrix
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Total Risk Management Inc Voluntary Employee Benefits Tr is mapped to EIN 204462361.
IRS BMF exempt record needs review
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IRS Form 990 index verified
8 stored filing years available.
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8 stored filing years available.
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8 stored filing years plus ProPublica source
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90% program spend, health grade C
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| Metric | Value |
|---|---|
| Total Revenue | $1.6M |
| Total Expenses | $1.8M |
| Program Spending | 90% |
| Transparency Score | 70/100 |
Search Intent Cockpit
Total Risk Management Inc Voluntary Employee Benefits Tr Form 990, Revenue, CEO Pay, and IRS Filing Signals
Total Risk Management Inc Voluntary Employee Benefits Tr 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 Total Risk Management Inc Voluntary Employee Benefits Tr in one place.
Form 990 Filing Summary
8 filing years are available, with latest revenue of $1.6M and expenses of $1.8M.
Revenue and Expenses
Total Risk Management Inc Voluntary Employee Benefits Tr reported $1.6M in revenue and $1.8M in expenses, a deficit of $208K.
Executive Compensation
Officer, director, trustee, and key employee pay is reviewed from IRS 990 compensation disclosures when present.
Charity Score and Red Flags
70/100 mission score, 2 red flags, and 3 strengths are shown from structured and AI review.
Is Total Risk Management Inc Voluntary Employee Benefits Tr Legit?
Some Concerns
Assessment based on IRS 990 filings, spending patterns, and AI analysis. Not a guarantee of legitimacy. Full charity check →
IRS 990 Data Cockpit
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 | $1.6M (90%) |
Across stored filings, Total Risk Management Inc Voluntary Employee Benefits Tr shows contribution history pending. Next enrichment targets: revenue-source fields, IRS BMF classification.
Decision Cockpit
One-Stop Donor, Research, and Peer Context Hub
| Decision Lens | Signal | What to Inspect Next |
|---|---|---|
| Legitimacy | Some Concerns | Good filing record; 2 red flags identified |
| Mission spend | 90% to programs | Excellent |
| Financial durability | Grade C | 8 stored filing years |
| Peer context | Compare with National Rural Health Association | Missouri and Category Y context |
Trust Check
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Kansas City, MO nonprofitsCategory Y in Missouri
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Request a concise report for Total Risk Management Inc Voluntary Employee Benefits Tr with revenue, expenses, executive compensation, red flags, peer context, and IRS source links. You can also request CSV exports or watchlist updates for future filings.
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Total Risk Management Inc Voluntary Employee Benefits Tr directs 90% of its spending to programs. This exceeds the industry benchmark of 65%, indicating strong mission focus.
About Total Risk Management Inc Voluntary Employee Benefits Tr
Total Risk Management Inc Voluntary Employee Benefits Tr (EIN: 204462361) is a nonprofit organization based in Kansas City, MO, classified under NTEE code Y43. The organization reported total revenue of $1.6M and total assets of $0 according to its most recent IRS 990 filing. This transparency report provides an AI-powered analysis of Total Risk Management Inc Voluntary Employee Benefits Tr's financial health, spending patterns, executive compensation, and overall mission effectiveness based on publicly available IRS data.
Organization Overview
Total Risk Management Inc Voluntary Employee Benefits Tr is a mid-size nonprofit that has been operating for 19 years, with 8 years of IRS 990 filings on record (2010–2017). Revenue has grown at a compound annual rate of 0.5%.
Key Financial Metrics (2017)
From the most recent IRS 990 filing on record:
| Total Revenue | $1.6M |
| Total Expenses | $1.8M |
| Surplus / Deficit | $-208,441 |
| Total Assets | $0 |
| Net Assets | $0 |
| Operating Margin | -13.1% |
| Months of Reserves | 0.0 months |
Financial Health Grade: C
In 2017, Total Risk Management Inc Voluntary Employee Benefits Tr reported a deficit of $208K with expenses exceeding revenue, holds 0.0 months of operating reserves (limited).
Financial Trends
Over 8 years of filings (2010–2017), Total Risk Management Inc Voluntary Employee Benefits Tr's revenue has grown at a compound annual growth rate (CAGR) of 0.5%.
| Year | Revenue Change | Expense Change | Asset Change |
|---|---|---|---|
| 2017 | -13.5% | -2.2% | -100.0% |
| 2016 | +33.8% | +34.0% | +1.2% |
| 2015 | +32.0% | +28.1% | -9.7% |
| 2014 | +15.3% | -3.7% | -2.6% |
| 2013 | +130.3% | -1.4% | -46.2% |
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 Total Risk Management Inc Voluntary Employee Benefits Tr with a Mission Score of 70 out of 100 (Good). This score reflects the organization's overall financial transparency, program spending efficiency, and governance indicators derived from IRS 990 public filings.
Spending Breakdown
- admin: 10%
- programs: 90%
- fundraising: 0%
According to IRS 990 filings, Total Risk Management Inc Voluntary Employee Benefits Tr allocates its expenses as follows: admin: 10%, programs: 90%, fundraising: 0%. With 90% directed toward programs, this reflects a strong commitment to its charitable mission.
Key Financial Metrics (2017)
From the most recent IRS 990 filing on record:
- The organization reported a deficit of $208K, with expenses exceeding revenue.
Executive Compensation Analysis
The organization consistently reports 0% officer compensation across all available filings, suggesting that executive compensation is either non-existent, paid by a related entity, or falls under a different reporting category, which is a positive indicator for minimizing overhead.
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.
Red Flags
The following concerns were identified during AI analysis of Total Risk Management Inc Voluntary Employee Benefits Tr's IRS 990 filings:
- Consistent operating deficits in recent years (e.g., $208,441 in 2017), which could indicate reliance on prior reserves or other funding sources not immediately apparent.
- Lack of detailed program expense breakdown in the provided data makes it difficult to fully assess spending efficiency.
Strengths
The following positive indicators were identified for Total Risk Management Inc Voluntary Employee Benefits Tr:
- No reported officer compensation across all filings, indicating a potentially very lean administrative structure.
- Operates as a benefits trust, suggesting direct distribution of funds to beneficiaries.
- Consistent filing of IRS 990 forms, demonstrating compliance and transparency in reporting.
Frequently Asked Questions about Total Risk Management Inc Voluntary Employee Benefits Tr
Is Total Risk Management Inc Voluntary Employee Benefits Tr a legitimate charity?
Total Risk Management Inc Voluntary Employee Benefits Tr (EIN: 204462361) is a registered tax-exempt nonprofit based in Missouri. Our AI analysis gives it a Mission Score of 70/100. It has 8 years of IRS 990 filings on record. Total revenue: $1.6M. 2 red flags identified. 3 strengths noted. Financial health grade: C.
How does Total Risk Management Inc Voluntary Employee Benefits Tr spend its money?
Total Risk Management Inc Voluntary Employee Benefits Tr directs 90% of its spending to programs and services. This exceeds the 65% industry benchmark.
Are donations to Total Risk Management Inc Voluntary Employee Benefits Tr tax-deductible?
Total Risk Management Inc Voluntary Employee Benefits Tr is registered as a tax-exempt nonprofit (EIN: 204462361). Donations to most 501(c)(3) organizations are tax-deductible. Consult a tax professional for your specific situation.
How does Total Risk Management Inc Voluntary Employee Benefits Tr compare to similar nonprofits?
With a transparency score of 70/100 (Good), Total Risk Management Inc Voluntary Employee Benefits Tr is above average for NTEE category Y43 nonprofits. The score reflects financial transparency, program spending efficiency, and governance quality based on IRS 990 data.
Where is Total Risk Management Inc Voluntary Employee Benefits Tr located?
Total Risk Management Inc Voluntary Employee Benefits Tr is headquartered in Kansas City, Missouri and files with the IRS under EIN 204462361. It is classified under NTEE code Y43.
How many years of IRS 990 filings does Total Risk Management Inc Voluntary Employee Benefits Tr have?
Total Risk Management Inc Voluntary Employee Benefits Tr has 8 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 $1.6M in total revenue.
What specific benefits does Total Risk Management Inc Voluntary Employee Benefits Tr provide?
The provided data does not detail the specific voluntary employee benefits offered by the trust. Further investigation into their operational documents or website would be necessary.
How does the organization manage its consistent operating deficits, such as the $208,441 deficit in 2017?
The consistent deficits, like the $208,441 in 2017 (Expenses $1,800,748 - Revenue $1,592,307), suggest that the trust may be drawing down on prior year surpluses or receiving contributions not categorized as revenue in these specific line items, or that the trust is designed to distribute all available funds, even if it means a temporary deficit covered by reserves or future contributions.
Why are assets consistently reported as $0 in recent years (2017)?
The consistent reporting of $0 assets in 2017, following periods with reported assets, suggests that the trust is designed to distribute all incoming funds as benefits, rather than accumulating significant reserves or holding assets long-term. This is common for pass-through benefit trusts.
Filing History
IRS 990 filing history for Total Risk Management Inc Voluntary Employee Benefits Tr showing financial trends over 8 years of public records:
Over 8 years of IRS 990 filings (2010–2017), Total Risk Management Inc Voluntary Employee Benefits Tr's revenue has grown by 3.7%, moving from $1.5M to $1.6M. Total assets decreased by 100% over the same period, from $107K to $0. Total functional expenses rose by 21.1%, from $1.5M to $1.8M. In its most recent filing year (2017), Total Risk Management Inc Voluntary Employee Benefits Tr reported a deficit of $208K, with expenses exceeding revenue.
| Year | Revenue | Expenses | Assets | Liabilities | Officer Comp. % | |
|---|---|---|---|---|---|---|
| 2017 | $1.6M | $1.8M | $0 | $0 | — | View 990 |
| 2016 | $1.8M | $1.8M | $208K | $0 | — | View 990 |
| 2015 | $1.4M | $1.4M | $206K | $0 | — | View 990 |
| 2014 | $1.0M | $1.1M | $228K | $22K | — | View 990 |
| 2013 | $903K | $1.1M | $234K | $0 | — | View 990 |
| 2012 | $392K | $1.1M | $435K | $0 | — | View 990 |
| 2011 | $2.6M | $1.6M | $1.1M | $0 | — | View 990 |
| 2010 | $1.5M | $1.5M | $107K | $0 | — | View 990 |
Year-by-Year Financial Summary
- 2017: Revenue of $1.6M, expenses of $1.8M, and assets of $0 (revenue -13.5% year-over-year).
- 2016: Revenue of $1.8M, expenses of $1.8M, and assets of $208K (revenue +33.8% year-over-year).
- 2015: Revenue of $1.4M, expenses of $1.4M, and assets of $206K (revenue +32.0% year-over-year).
- 2014: Revenue of $1.0M, expenses of $1.1M, and assets of $228K (revenue +15.3% year-over-year).
- 2013: Revenue of $903K, expenses of $1.1M, and assets of $234K (revenue +130.3% year-over-year).
- 2012: Revenue of $392K, expenses of $1.1M, and assets of $435K (revenue -84.9% year-over-year).
- 2011: Revenue of $2.6M, expenses of $1.6M, and assets of $1.1M (revenue +68.7% year-over-year).
- 2010: Revenue of $1.5M, expenses of $1.5M, and assets of $107K.
View Individual Filing Years
Explore detailed financial data from each IRS 990 filing year for Total Risk Management Inc Voluntary Employee Benefits Tr:
Data Sources and Methodology
This transparency report for Total Risk Management Inc Voluntary Employee Benefits Tr 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.