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

$1.6MRevenue

$0Assets

70/100Mission Score (Good)

Y43

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.

AI Transparency Report

Total Risk Management Inc Voluntary Employee Benefits Tr appears to operate as a pass-through entity, given its consistent zero asset reporting in recent years (2017) and the nature of a 'Voluntary Employee Benefits Trust.' The organization's financial health shows a pattern of expenses closely matching or exceeding revenue in most recent periods, such as 2017 where expenses were $1,800,748 against revenues of $1,592,307, indicating a deficit. This trend suggests it's not accumulating significant reserves, which is typical for a benefits trust distributing funds. The lack of reported officer compensation across all filings indicates a lean administrative structure or that compensation is handled outside the scope of what's reported on the 990 for officers, which is a positive for spending efficiency if true. However, without a detailed breakdown of program vs. administrative expenses, a full assessment of spending efficiency is challenging. The organization's transparency is moderate; while it files its 990s, the specific nature of its 'programs' and how funds are distributed as benefits isn't immediately clear from the high-level data provided.

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.

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

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.	PDF
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.

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.