Civic Intelligence

Vt Vehicle & Automotive Dist Assoc Dental Life & Disability Instrust

EIN 47-2039531 • 501(c)9 • Montpelier, VT

Profile

The Insurance Trust provides dental and other benefits to eligible employees (and their eligible dependents) of participating employers, who are dealer members of the Vermont Automobile Dealers' Association, Inc.

PO Box 747Montpelier, VT 05601

www.vermontada.org

Siviq Scores

Precomputed percentiles relative to similar nonprofits. These scores are descriptive rather than judgmental.

Liabilities / Assets

87th percentile

0.37x

Higher debt load relative to assets than 87% of similar nonprofits.

501(c)9 • $500k-$1M nonprofits • Source year 2024

Liabilities / Revenue

80th percentile

0.09x

Higher debt load relative to revenue than 80% of similar nonprofits.

501(c)9 • $500k-$1M nonprofits • Source year 2024

Net Margin

61st percentile

7.2%

Higher net margin than 61% of similar nonprofits.

501(c)9 • $500k-$1M nonprofits • Source year 2024

Top Officer Pay

83rd percentile

$65,250

Higher top officer pay than 83% of similar nonprofits.

Top officer pay equals 7.9% of source-year revenue.

501(c)9 • $500k-$1M nonprofits • Source year 2024

Asset Growth

92nd percentile

34%

Faster asset growth than 92% of similar nonprofits.

501(c)9 • $500k-$1M nonprofits • Annualized from 2023 to 2024

Revenue Growth

47th percentile

0.1%

Faster revenue growth than 47% of similar nonprofits.

501(c)9 • $500k-$1M nonprofits • Annualized from 2023 to 2024

Balance Sheet
Liabilities / Assets87th percentile

Assets

Up

$189,842

Up $47,939 (+34%) from 2023

Liabilities

Down

$70,816

Down $11,546 (-14%) from 2023

Net Assets

Up

$119,026

Up $59,485 (+100%) from 2023

Operations
Liabilities / Revenue80th percentileNet Margin61st percentile

Revenue

Up

$821,356

Up $956 (+0.1%) from 2023

Expenses

Down

$761,871

Down $60,631 (-7.4%) from 2023

Net Income

Up

$59,485

Up $61,587 (+2930%) from 2023

Trend Graphs

Balance Sheet Trend

Asset Growth92nd percentile

Grouped bars show assets, liabilities, and net assets across loaded filings.

$400K$300K$200K$100K$0Assets 2017: $190,523Liabilities 2017: $92,388Net Assets 2017: $98,1352017Assets 2018: $242,566Liabilities 2018: $81,207Net Assets 2018: $161,3592018Assets 2019: $282,155Liabilities 2019: $40,132Net Assets 2019: $242,0232019Assets 2021: $382,872Liabilities 2021: $57,402Net Assets 2021: $325,4702021Assets 2022: $143,386Liabilities 2022: $42,381Net Assets 2022: $101,0052022Assets 2023: $141,903Liabilities 2023: $82,362Net Assets 2023: $59,5412023Assets 2024: $189,842Liabilities 2024: $70,816Net Assets 2024: $119,0262024

Highlighted filing

2024

Assets$189,842
Liabilities$70,816
Net Assets$119,026
Open 2024 Filing

Operations Trend

Revenue Growth47th percentile

Revenue, expenses, and net income by year, with the latest filing highlighted.

$1.0M$500K$0-$500KRevenue 2017: $849,412Expenses 2017: $806,621Net Income 2017: $42,7912017Revenue 2018: $851,808Expenses 2018: $788,584Net Income 2018: $63,2242018Revenue 2019: $823,674Expenses 2019: $743,010Net Income 2019: $80,6642019Revenue 2021: $657,724Expenses 2021: $593,151Net Income 2021: $64,5732021Revenue 2022: $485,902Expenses 2022: $710,367Net Income 2022: -$224,4652022Revenue 2023: $820,400Expenses 2023: $822,502Net Income 2023: -$2,1022023Revenue 2024: $821,356Expenses 2024: $761,871Net Income 2024: $59,4852024

Highlighted filing

2024

Revenue$821,356
Expenses$761,871
Net Income$59,485
Open 2024 Filing

Filings

Most recent year

2024 • Form 990Facts available. Structured filing facts are available, but richer extracted sections are limited.

Open filing
Assets
$189,842
Liabilities
$70,816
Net assets
$119,026
Revenue
$821,356
Expenses
$761,871
Net income
$59,485
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Facts available. Structured filing facts are available, but richer extracted sections are limited.$1.90$0.71$1.19$8.21$7.62$0.59
2023Detailed filing. Detailed filing data is available for this year.$1.42$0.82$0.60$8.20$8.23$0.02
2022Detailed filing. Detailed filing data is available for this year.$1.43$0.42$1.01$4.86$7.10$2.24
2021Detailed filing. Detailed filing data is available for this year.$3.83$0.57$3.25$6.58$5.93$0.65
2019Summary only. Only limited summary data is available for this year.$2.82$0.40$2.42$8.24$7.43$0.81
2018Summary only. Only limited summary data is available for this year.$2.43$0.81$1.61$8.52$7.89$0.63
2017Summary only. Only limited summary data is available for this year.$1.91$0.92$0.98$8.49$8.07$0.43
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2024 to Dec 31, 2024
Signed
Sep 20, 2025
Return Version
2024v5.2
Gross Receipts
$821,356
Mission and Program Overview

Mission

The Insurance Trust provides dental and other benefits to eligible employees (and their eligible dependents) of participating employers, who are dealer members of the Vermont Automobile Dealers' Association, Inc.

Balance Sheet Detail
LineBeginningEndChange
Assets
Cash and Non-Interest-Bearing Accounts$139,253$188,653▲ $49,400
Rtn Earn Endowment Incm Other Fnds$59,541$119,026▲ $59,485
Savings and Temporary Cash Investments-$0-
Accounts Receivable-$0-
Other Notes and Loans Receivable, Net-$0-
Pledges and Grants Receivable-$0-
Receivable From Disqualified Prsn-$0-
Receivables From Officers Etc-$0-
Investments Other Securities-$0-
Investments Program Related-$0-
Investments in Publicly Traded Securities-$0-
Land, Buildings, and Equipment, Net-$0-
Intangible Assets-$0-
Inventories for Sale or Use-$0-
Prepaid Expenses and Deferred Charges-$0-
Total Assets$141,903$189,842▲ $47,939
Other Assets Total$2,650$1,189▼ $1,461
Liabilities
Other Liabilities$76,230$65,281▼ $10,949
Accounts Payable and Accrued Expenses$6,132$5,535▼ $597
Total Liabilities$82,362$70,816▼ $11,546
Net Assets / Fund Balance
Total Net Assets Fund Balance$59,541$119,026▲ $59,485
Total Liabilities and Net Assets / Fund Balance$141,903$189,842▲ $47,939
Compensation and Service Providers
Top Officer Pay83rd percentile

Employees

NameTitleOtherTotal
Matthew CotaManaging Director$65,250$65,250

Board Members and Trustees

NameTitle
Mitchell JayChairman
Dan KeeneTrustee
Robert Cody IITrustee
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$820,893
Investment Income
$463
Other Revenue
$0
Change in Net Assets
$59,485

Audited Revenue Reconciliation

Revenue per Audited Statements
$821,356
Total Revenue per Audited Statements
$821,356
Total Revenue per Form 990
$821,356
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$200,576
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Salaries, Compensation, and Employee Benefits$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Benefits to Members$561,295--$561,295
Fees for Services Other$101,497--$101,497
Insurance$74,098--$74,098
Fees for Services Accounting$24,000--$24,000
Other Expenses$981--$981
Total Functional Expenses$761,871$0$0$761,871

Audited Expense Reconciliation

Line ItemAmount
Total Expenses per Audited Statements$770,304
Total Expenses per Form 990$761,871
Expenses per Audited Statements$739,321
Expenses Not Reported on Form 990$30,983
Expenses Not Reported on Financial Statements$22,550
Other Expense Adjustments$22,550
Fundraising, Events, and Gaming
Fundraising activities
No
Gaming activities
No
Professional fundraiser used
No

Fundraising and Gaming Totals

Line ItemAmount
Professional Fundraising Fees$0
Political and Lobbying Activity
Political campaign activity
No
Subject to proxy tax
No
Insider Transactions and Loans

Loans and Receivables

Line ItemBeginningEndChange
Receivables from Disqualified Persons-$0-
Receivables from Officers, Directors, Trustees, and Key Employees-$0-
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Premiums collected in advance$40,925
Ibnr$12,692
Claims payable$9,858
Due to related party$1,806
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Audit committee
Yes
Backup withholding compliance
No
Business relationship with 35% controlled entity
No
Business relationship with family members
No
Business relationship with organization members
No
Material changes to governing documents
No
Compensation from other sources disclosed
No
CEO compensation reviewed
No
Other officer compensation reviewed
No
Conflict-of-interest policy
No
Audited financial statements prepared
No
Key decisions subject to board approval
No
Management duties delegated
No

Governance Explanations

Form 990, Part VI, Section B, Line 11B

“Form 990 is reviewed by the Managing Director, after which is distributed to the Board of Trustees for review.”

Form 990, Part VI, Section C, Line 19

“The Trust keeps its approved board minutes on file and are made available to the public upon request. The Trust's policies, governing documents and financial statements are made available to the public upon request.”

Filing and Contact Details

Filer

Filer Name
VT Vehicle & Automotive Dist Assoc
EIN
47-2039531
Phone
8024612655
Address
PO Box 747, Montpelier, VT 05601

Signing Officer

Name
Matt Cota
Title
Managing Director
Signed
2025-09-20
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Matt Cota
Formed
2014
Legal Domicile
Vt
Voting Board Members
3
Independent Board Members
3
Employees
0

Preparer

Firm
Grippin Donlan & Pinkham PLC
Address
3 Baldwin Avenue, South Burlington, VT 05403
Preparer
David C Grippin CPA
Phone
8028462000
Supplemental Narrative

Financial Statement Notes

Part X : FIN48 Footnote

“The trust established under the Plan to hold the Plan's assets is intended to qualify pursuant to section 501(c)(9) of the Internal Revenue Code and, accordingly, the trust's net investment income is exempt from income taxes. The trust has obtained a favorable tax exemption letter from the Internal Revenue Service, and the Plan sponsor believes that the trust and the Plan, as amended, continue to qualify and to operate in accordance with applicable provisions of the Internal Revenue Code. Accounting principles generally accepted in the United States of America require the plan administrator to evaluate tax positions taken by the Plan and recognize a tax liability for any uncertain position that more likely than not would not be sustained upon examination by the IRS. The Plan is subject to routine tax audits by tax authorities; however, there are currently no audits for any tax periods in progress.”

Part XII, Line 2D: Other expenses and losses per audited F/S

“Claims payable at beginning of year $30983”

Part XII, Line 4B: Other revenue amounts included on 990 but not included in F/S

“Claims payable at end of year $22550”

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This appendix keeps the raw XML leaves available for debugging and edge-case review. The human report above is the primary experience.

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IRS990ScheduleD/SupplementalInformationDetail/ExplanationTxt0The trust established under the Plan to hold the Plan's assets is intended to qualify pursuant to section 501(c)(9) of the Internal Revenue Code and, accordingly, the trust's net investment income is exempt from income taxes. The trust has obtained a favorable tax exemption letter from the Internal Revenue Service, and the Plan sponsor believes that the trust and the Plan, as amended, continue to qualify and to operate in accordance with applicable provisions of the Internal Revenue Code. Accounting principles generally accepted in the United States of America require the plan administrator to evaluate tax positions taken by the Plan and recognize a tax liability for any uncertain position that more likely than not would not be sustained upon examination by the IRS. The Plan is subject to routine tax audits by tax authorities; however, there are currently no audits for any tax periods in progress.
IRS990ScheduleD/SupplementalInformationDetail/ExplanationTxt1Claims payable at beginning of year $30983
IRS990ScheduleD/SupplementalInformationDetail/ExplanationTxt2Claims payable at end of year $22550
IRS990ScheduleD/SupplementalInformationDetail/FormAndLineReferenceDesc0Part X : FIN48 Footnote
IRS990ScheduleD/SupplementalInformationDetail/FormAndLineReferenceDesc1Part XII, Line 2d: Other expenses and losses per audited F/S
IRS990ScheduleD/SupplementalInformationDetail/FormAndLineReferenceDesc2Part XII, Line 4b: Other revenue amounts included on 990 but not included in F/S
IRS990ScheduleD/TotalExpensesPerForm990Amt0761871
IRS990ScheduleD/TotalLiabilityAmt065281
IRS990ScheduleD/TotalRevenuePerForm990Amt0821356
IRS990ScheduleD/TotalRevEtcAuditedFinclStmtAmt0821356
IRS990ScheduleD/TotExpnsEtcAuditedFinclStmtAmt0770304
IRS990/ScheduleJRequiredInd0false
IRS990/ScheduleORequiredInd0true
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0Form 990 is reviewed by the Managing Director, after which is distributed to the Board of Trustees for review.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1The Trust keeps its approved board minutes on file and are made available to the public upon request. The Trust's policies, governing documents and financial statements are made available to the public upon request.
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0Form 990, Part VI, Section B, Line 11b
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1Form 990, Part VI, Section C, Line 19
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IRS990ScheduleR/IdRelatedOrgTxblCorpTrGrp/DirectControllingNACd0N/A
IRS990ScheduleR/IdRelatedOrgTxblCorpTrGrp/DirectControllingNACd1N/A
IRS990ScheduleR/IdRelatedOrgTxblCorpTrGrp/DirectControllingNACd2N/A
IRS990ScheduleR/IdRelatedOrgTxblCorpTrGrp/DirectControllingNACd3N/A
IRS990ScheduleR/IdRelatedOrgTxblCorpTrGrp/DirectControllingNACd4N/A
IRS990ScheduleR/IdRelatedOrgTxblCorpTrGrp/DirectControllingNACd5N/A
IRS990ScheduleR/IdRelatedOrgTxblCorpTrGrp/DirectControllingNACd6N/A
IRS990ScheduleR/IdRelatedOrgTxblCorpTrGrp/DirectControllingNACd7N/A
IRS990ScheduleR/IdRelatedOrgTxblCorpTrGrp/DirectControllingNACd8N/A
IRS990ScheduleR/IdRelatedOrgTxblCorpTrGrp/DirectControllingNACd9N/A
IRS990ScheduleR/IdRelatedOrgTxblCorpTrGrp/DirectControllingNACd10N/A
IRS990ScheduleR/IdRelatedOrgTxblCorpTrGrp/DirectControllingNACd11N/A
IRS990ScheduleR/IdRelatedOrgTxblCorpTrGrp/DirectControllingNACd12N/A
IRS990ScheduleR/IdRelatedOrgTxblCorpTrGrp/DirectControllingNACd13N/A
IRS990ScheduleR/IdRelatedOrgTxblCorpTrGrp/DirectControllingNACd14N/A
IRS990ScheduleR/IdRelatedOrgTxblCorpTrGrp/DirectControllingNACd15N/A
IRS990ScheduleR/IdRelatedOrgTxblCorpTrGrp/DirectControllingNACd16N/A
IRS990ScheduleR/IdRelatedOrgTxblCorpTrGrp/DirectControllingNACd17N/A
IRS990ScheduleR/IdRelatedOrgTxblCorpTrGrp/DirectControllingNACd18N/A
IRS990ScheduleR/IdRelatedOrgTxblCorpTrGrp/DirectControllingNACd19N/A
IRS990ScheduleR/IdRelatedOrgTxblCorpTrGrp/DirectControllingNACd20N/A
IRS990ScheduleR/IdRelatedOrgTxblCorpTrGrp/DirectControllingNACd21N/A
IRS990ScheduleR/IdRelatedOrgTxblCorpTrGrp/DirectControllingNACd22N/A
IRS990ScheduleR/IdRelatedOrgTxblCorpTrGrp/DirectControllingNACd23N/A
IRS990ScheduleR/IdRelatedOrgTxblCorpTrGrp/DirectControllingNACd24N/A
IRS990ScheduleR/IdRelatedOrgTxblCorpTrGrp/DirectControllingNACd25N/A
IRS990ScheduleR/IdRelatedOrgTxblCorpTrGrp/DirectControllingNACd26N/A
IRS990ScheduleR/IdRelatedOrgTxblCorpTrGrp/DirectControllingNACd27N/A
IRS990ScheduleR/IdRelatedOrgTxblCorpTrGrp/DirectControllingNACd28N/A
IRS990ScheduleR/IdRelatedOrgTxblCorpTrGrp/DirectControllingNACd29N/A
IRS990ScheduleR/IdRelatedOrgTxblCorpTrGrp/DirectControllingNACd30N/A
IRS990ScheduleR/IdRelatedOrgTxblCorpTrGrp/DirectControllingNACd31N/A
IRS990ScheduleR/IdRelatedOrgTxblCorpTrGrp/DirectControllingNACd32N/A
IRS990ScheduleR/IdRelatedOrgTxblCorpTrGrp/DirectControllingNACd33N/A
IRS990ScheduleR/IdRelatedOrgTxblCorpTrGrp/DirectControllingNACd34N/A
IRS990ScheduleR/IdRelatedOrgTxblCorpTrGrp/DirectControllingNACd35N/A
IRS990ScheduleR/IdRelatedOrgTxblCorpTrGrp/DirectControllingNACd36N/A
IRS990ScheduleR/IdRelatedOrgTxblCorpTrGrp/DirectControllingNACd37N/A
IRS990ScheduleR/IdRelatedOrgTxblCorpTrGrp/DirectControllingNACd38N/A
IRS990ScheduleR/IdRelatedOrgTxblCorpTrGrp/DirectControllingNACd39N/A
IRS990ScheduleR/IdRelatedOrgTxblCorpTrGrp/DirectControllingNACd40N/A
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IRS990ScheduleR/IdRelatedOrgTxblCorpTrGrp/DirectControllingNACd46N/A
IRS990ScheduleR/IdRelatedOrgTxblCorpTrGrp/DirectControllingNACd47N/A
IRS990ScheduleR/IdRelatedOrgTxblCorpTrGrp/DirectControllingNACd48N/A
IRS990ScheduleR/IdRelatedOrgTxblCorpTrGrp/DirectControllingNACd49N/A
IRS990ScheduleR/IdRelatedOrgTxblCorpTrGrp/DirectControllingNACd50N/A
IRS990ScheduleR/IdRelatedOrgTxblCorpTrGrp/DirectControllingNACd51N/A
IRS990ScheduleR/IdRelatedOrgTxblCorpTrGrp/DirectControllingNACd52N/A
IRS990ScheduleR/IdRelatedOrgTxblCorpTrGrp/DirectControllingNACd53N/A
IRS990ScheduleR/IdRelatedOrgTxblCorpTrGrp/DirectControllingNACd54N/A
IRS990ScheduleR/IdRelatedOrgTxblCorpTrGrp/DirectControllingNACd55N/A
IRS990ScheduleR/IdRelatedOrgTxblCorpTrGrp/DirectControllingNACd56N/A
IRS990ScheduleR/IdRelatedOrgTxblCorpTrGrp/DirectControllingNACd57N/A
IRS990ScheduleR/IdRelatedOrgTxblCorpTrGrp/DirectControllingNACd58N/A

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