Dade County Fire Fighters Insurance Tr Fund
501(c)(9)
100% goes to programs Strong reserves
Dade County Fire Fighters Insurance Tr Fund is a 501(c)(9) organization based in Miami, Florida, registered in 1983, with $62,120,371 in FY2024 revenue. CharityIndex grades it B, and it directs about 100% of spending to programs.
8000 N W 21 Street, Miami, FL, 33122 EIN 59-2185490 Since 1983
Revenue (FY2024)
$62.1M
▲ 7.6% vs prior year
Expenses (FY2024)
$56.9M
Net assets
$84.5M
Employees
4
CharityIndex rating
One independent A+ to F grade from four published criteria, each scored separately from IRS filings and combined by weight.
B
★★★★
Rated on 4 of 4 criteria.
Held down by its weakest criterion — a strong score on one criterion can't hide a weak one.
How the rating works →A+Program efficiency40% of the rating100% to programs
Measures how much of every dollar spent actually reaches programs, plus what it costs to raise $100 of donations. The worse of the two measures sets the letter (85%+ to programs is an A; under $15 to raise $100 is an A), averaged over the three most recent filings. For Dade County Fire Fighters Insurance Tr Fund: 100% to programs earns a A+ on this criterion. See the exact thresholds →
AFinancial health25% of the rating18 mo reserves · +8% margin
Measures whether the organization is built to last: how many months its reserves would cover expenses (3+ months earns an A-range score, but hoarding 5+ years of budget is capped) and whether it runs a surplus or a deficit. For Dade County Fire Fighters Insurance Tr Fund: 18 mo reserves · +8% margin earns a A on this criterion. See the exact thresholds →
CGovernance25% of the rating2 of 6 checks met
Checks how the organization is run, from its own Form 990: an independent board majority, a board of five or more, conflict-of-interest, whistleblower and document-retention policies, and independently audited financials. The share of disclosed checks that pass sets the letter. For Dade County Fire Fighters Insurance Tr Fund: 2 of 6 checks met earns a C on this criterion. See the exact thresholds →
A+Transparency10% of the rating5 of 5 disclosure signals
Counts five disclosure signals: a recent filing, a mission statement, program descriptions, a listed website, and the full expense breakdown. More disclosure, better letter. For Dade County Fire Fighters Insurance Tr Fund: 5 of 5 disclosure signals earns a A+ on this criterion. See the exact thresholds →
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Mission
To provide health, life, vision and dental benefits to fire fighters employed by miami-dade county.
What they do
Claims and administrative expenses incurred to provide health, life, vision and dental benefits to fire fighters employed by miami-dade county.
Contact & location
Financial trends
Revenue grew from $37.4M (FY2013) to $62.1M (FY2024) across 11 reported years.
Financial snapshot
Financial health & position (FY2024)
Liabilities $73.7MNet assets $84.5M
Operating margin
8.4%
Revenue exceeded expenses in the latest fiscal year.
Total assets
$158.1M
Total liabilities
$73.7M
Net assets
$84.5M
Salaries & benefits
$366K
1% of expenses
Board members
3
3 independent
Financials by year
| Fiscal year | Revenue | Expenses | Net assets | Total assets | Form |
|---|---|---|---|---|---|
| 2024 | $62,120,371▲7.6% | $56,930,205▲0.3% | $84,470,036▲14.9% | $158,145,907▲9.0% | 990 |
| 2023 | $57,728,917▼1.3% | $56,748,665▲2.8% | $73,507,450▲15.0% | $145,136,917▲8.3% | 990 |
| 2022 | $58,476,538▼1.6% | $55,178,267▼0.5% | $63,934,824▼4.7% | $134,004,928▼1.1% | 990 |
| 2021 | $59,437,415▼27.5% | $55,454,385▲42.8% | $67,081,674▼12.4% | $135,428,575▼2.9% | 990 |
| 2020 | $81,977,843▲62.9% | $38,821,178▼13.7% | $76,605,656▲105% | $139,507,978▲39.9% | 990 |
| 2019 | $50,310,312▲6.3% | $44,970,611▲1.9% | $37,372,239▲1.0% | $99,690,946▲3.1% | 990 |
| 2018 | $47,321,683▲3.6% | $44,131,050▲6.2% | $36,992,537▲17.4% | $96,663,784▲7.5% | 990 |
| 2017 | $45,671,712▲19.0% | $41,566,732▲3.9% | $31,497,670▲25.0% | $89,901,319▲9.1% | 990 |
| 2016 | $38,392,487▲10.3% | $39,992,612▲1.8% | $25,199,060▲15.1% | $82,365,101▲5.2% | 990 |
| 2015 | $34,815,336▼7.0% | $39,300,338▼3.9% | $21,883,867▼23.7% | $78,260,415▼4.4% | 990 |
| 2013 | $37,449,282 | $40,901,784▲32.7% | $28,689,725▲2.4% | $81,897,452▲5.5% | 990 |
| 2012 | — | $30,812,311▼14.8% | $28,018,586▲50.2% | $77,630,426▲10.2% | 990 |
| 2011 | — | $36,164,861▲4.9% | $18,654,496▼9.0% | $70,423,295▲5.7% | 990 |
| 2010 | — | $34,467,259▲23.6% | $20,503,065▲105% | $66,644,838▲21.6% | 990 |
| 2009 | — | $27,880,846 | $9,991,674 | $54,815,344 | 990 |
Original Form 990 PDFs (the Form column) are served by ProPublica Nonprofit Explorer, as filed with the IRS. Create a free account to download the CSV report.
Leadership & compensation (FY2024)
| Name | Title | Hours/week | Compensation |
|---|---|---|---|
| Brian Lynch | Treasurer | 1 | — |
| Chris Kramer | Trustee | 1 | — |
| Dale Sutton | Adminstrative Mgr | 40 | — |
| Gabe Nemeth | Secretary | 1 | — |
| John Lancaster | Trustee | 1 | — |
| Robert Rojas | Chairman | 1 | — |
| Tim Swick | Trustee | 1 | — |
| William Mcallister | Trustee | 1 | — |
Frequently asked questions
- Is Dade County Fire Fighters Insurance Tr Fund a legitimate nonprofit?
- Yes. Dade County Fire Fighters Insurance Tr Fund is a 501(c)(9) organization registered with the U.S. Internal Revenue Service under EIN 59-2185490, based in Miami, Florida.
- What is Dade County Fire Fighters Insurance Tr Fund's EIN?
- Dade County Fire Fighters Insurance Tr Fund's Employer Identification Number (EIN) is 59-2185490.
- How much revenue does Dade County Fire Fighters Insurance Tr Fund report?
- Dade County Fire Fighters Insurance Tr Fund reported $62,120,371 in total revenue on its fiscal year 2024 IRS Form 990 filing.
- How much of Dade County Fire Fighters Insurance Tr Fund's spending goes to programs?
- Dade County Fire Fighters Insurance Tr Fund spends about 100% of its total expenses on programs, based on its latest IRS Form 990.
- What financial grade does Dade County Fire Fighters Insurance Tr Fund have?
- CharityIndex grades Dade County Fire Fighters Insurance Tr Fund B, based on program efficiency and fundraising cost.
- How much does Dade County Fire Fighters Insurance Tr Fund's highest-paid employee make?
- The highest reported compensation on Dade County Fire Fighters Insurance Tr Fund's latest Form 990 is $0, paid to Brian Lynch (Treasurer).
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Data for Dade County Fire Fighters Insurance Tr Fund (EIN 59-2185490) comes from the IRS Business Master File and e-filed Form 990 returns, via CharityIndex. Figures reflect what the organization reported to the IRS for each fiscal year.