Bucks and Montgomery County Schools Health Care Consortium

Nonprofit profile at a glance

EIN
461020794
IRS 990 coverage
2013–2024
Official website data refreshed
Sep 2026
Forms available
Form 990 2024
Location
Doylestown, PA, USA
Phone
2153482940
Rating
82
Verdict
STRONG
Rating confidence
Moderate
Sector
Voluntary Employees Beneficiary Associations (Non-Government)

Official website

Reported finances

Revenue
$129,053,561
Expenses
$132,686,376
Assets
$41,878,171
Liabilities
$16,893,933

Source: IRS Form 990. Selected filing: tax year 2024. Amounts in USD.

Leadership & pay

25 people listed

People named in this filing

  • REBECCA MALAMIS (TRUSTEE, CHAIR)
  • WILLIAM SENAVAITIS (TRUSTEE, VICE-CHAIR)
  • CHAD MURRAY (TRUSTEE)

Selected names, not a complete roster or a statement of current roles. Open leadership details for the complete filed list.

Source: IRS Form 990. Selected filing: tax year 2024. Names and roles reflect this filing, not necessarily current officeholders.

Overview

Mission

The Bucks and Montgomery County Schools (BMCS) Health Care Consortium offers medical insurance, prescription coverage, and wellness programs to participating educational institutions; it currently covers 6,200 employees and over 16,000 total members. Your heart does a lot for you! This incredible organ beats over 100,000 times a day, pumping nearly 2,000 gallons of blood through 60,000 miles of blood vessels to nourish every cell in your body. In the United States, heart disease remains the leading cause of death, and about half of all adults live with high blood pressure. This month, take a moment to focus on small, sustainable steps that support your heart health for the long run. Even simple lifestyle changes can lead to lasting improvements in energy, mood, and overall well-being. Here Are a Few Simple Ways to Give Your Heart What It Needs.

What it reported doing in 2024

The bucks and montgomery county schools health care consortium trust purchased health benefits at a reduced cost on behalf of participating public school districts, intermediate units and technology schools in bucks and montgomery counties, Pennsylvania. The consortium purchased health benefits for twelve school entities during the fiscal year ended june 30, 2025.

Operating model

Revenue model
Earned-program. 99% of the money available for current operations came from fees and other program revenue.
Distribution model
Member-benefit provider. The nonprofit used 98% of its reported program spending for member benefits.

The verdict

STRONG - A large share of available resources goes toward mission work and the filed numbers largely add up. Some filing-based governance responses are negative or unanswered and revenue has declined or grown slowly.

Rating breakdown

  • Financial Efficiency: 89
  • Transparency & Controls: 90
  • Accountability: 82
  • Sustainability: 28
  • Growth: 40

Detailed rating inputs

Financial Efficiency

  • Mission deployment rate: 100%; rating input score 100
  • Program expense ratio: 100%; rating input score 100
  • Fundraising efficiency: Limited

Transparency & Controls

  • Consistency checks: 100%; rating input score 100; 68th percentile among comparable filings
  • Pay-setting controls: Limited
  • Foreign activity oversight: Limited
  • Grant itemization coverage: Limited
  • Major donor itemization: Limited
  • Related-party transparency: Limited

Accountability

  • Independent voting board: 100%; rating input score 100; 77th percentile among comparable filings
  • Governance controls: 4 of 7 controls in place; rating input score 57
    • Conflict-of-interest policy: Fail
    • Whistleblower policy: Fail
    • Document-retention policy: Fail
    • CEO compensation review process: NotApplicable
    • Other executive compensation review process: NotApplicable
    • Form 990 shared with the board: Pass
    • Board meeting minutes documented: Pass
    • Audit committee oversight: Pass
    • Independent financial-statement audit: Pass

Sustainability

  • Operating margin: -2.8%; rating input score 17; 17th percentile among comparable filings
  • Total-asset coverage ratio: 0.32; rating input score 10; 10th percentile among comparable filings
  • Liabilities to assets ratio: 0.4; rating input score 45; 45th percentile among comparable filings
  • Officer compensation ratio: 0%; rating input score 98; 98th percentile among comparable filings

Growth

  • Program expense growth: 1% per year; rating input score 100; 11th percentile among comparable filings
  • Revenue growth: -2.4% per year; rating input score 0; 2nd percentile among comparable filings
  • Asset growth: -0.3% per year; rating input score 0; 7th percentile among comparable filings

Details

  • What they do: Mission, programs, and operating context captured from the official website.
  • Where the money goes: 100% of revenue deployed · 100% of spending went to programs
  • Governance: 25 of 25 board members independent · 4 of 7 filing controls reported
  • Programs: 1 filed program accomplishment · $132.7M in reported program spending
  • Leadership: top reported pay $0 · 25 people listed
  • Highest-paid contractors: 3 contractors listed · $757K reported
  • Consistency: 18 of 18 current checks pass
  • Schedules: 2 filed schedules
  • Filing history: 10 filing years from 2013 to 2024
  • Contacts: How to reach this organization
  • Grant readiness: Federal tax and exclusion status, award history, and grant-maker relationships.
  • People: Everyone the filings name, and which of them the filings identify by more than a name.

Key Signals

Signals prioritize questions for review. They are not findings of misconduct.

  • Review — Accountability: Governance controls: 3 of 7 not reported.
  • High — Growth: Revenue growth scored 0/100.
  • High — Sustainability: Operating margin scored 17/100.
  • High — Sustainability: Total-asset coverage ratio scored 10/100.
  • High — Growth: Asset growth scored 0/100.
  • Moderate — Sustainability: Liabilities to assets ratio scored 45/100.