Quartz
Legal name: Quartz Health Plan Corporation
Nonprofit profile at a glance
- EIN
- 391807071
- IRS 990 coverage
- 2010–2024
- Official website data refreshed
- Sep 2026
- Forms available
- Form 990 2024
- Location
- Fitchburg, WI, USA
- Phone
- (800) 362-3310; (608) 644-3430; TTY 711 or (800) 877-8973
- Rating
- 78
- Verdict
- SUPPORTED
- Rating confidence
- Moderate
Reported finances
- Revenue
- $477,344,539
- Expenses
- $477,878,478
- Assets
- $129,054,071
- Liabilities
- $72,676,514
Source: IRS Form 990. Selected filing: tax year 2024. Amounts in USD.
Leadership & pay
19 people listed
Executive titles in this filing
- CHRISTINE C SENTY JD (PRESIDENT & CEO)
Highest reported compensation
- CHRISTINE C SENTY JD (PRESIDENT & CEO): $1,131,377 total reported compensation
- JEFFREY A BUTCHER (SENIOR VP, TREASURER & CFO): $600,245 total reported compensation
- JAMI J BERGER (SENIOR VP & CHIEF CLINICAL OFFICER): $468,946 total reported compensation
Source: IRS Form 990. Selected filing: tax year 2024. Names and roles reflect this filing, not necessarily current officeholders.
Overview
Mission
To promote social welfare by operation of a health maintenance organization and other activities incidental thereto. Thank you for considering a career with Quartz. If you want to make a difference and support our vision of ensuring that a future where well-living is always in reach for all our communities, we invite you to join our team. As a Quartz employee, you will have the opportunity to carry out this vision by working directly with our customers and partners to provide proactive solutions and find your spark. Careers Center At Quartz, all employees — regardless of specific role — are valued for the personal contributions they provide in fulfilling our mission and making a positive impact on our customers. Review our open positions and submit your online application.
What it reported doing in 2024
Provision of health care services provided for 75,979 members.
Operating model
- Revenue model
- Earned-program. 99% of the money available for current operations came from fees and other program revenue.
- Distribution model
- Direct operator. The filing allocates 100% of reported program-service expenses outside its grant, affiliate-payment, and member-benefit lines. This expense classification does not rule out separately announced grant awards.
The verdict
SUPPORTED - A large share of available resources goes toward mission work and the filed numbers largely add up. Few specific pay-setting methods are documented in the filing; unanswered boxes are not proof of absence and some filing-based governance responses are negative or unanswered.
Rating breakdown
- Financial Efficiency: 84
- Transparency & Controls: 67
- Accountability: 91
- Sustainability: 30
- Growth: 100
Detailed rating inputs
Financial Efficiency
- Mission deployment rate: 93.9%; rating input score 94
- Program expense ratio: 94.4%; rating input score 94
- Fundraising efficiency: Limited
Transparency & Controls
- Consistency checks: 100%; rating input score 100; 68th percentile among comparable filings
- Pay-setting controls: 0 of 6 controls in place; rating input score 0
- Compensation committee: Missing
- Independent consultant: Missing
- Other Form 990s reviewed: Missing
- Written employment contract: Missing
- Compensation survey or study: Missing
- Board or committee approval: Missing
- Foreign activity oversight: Limited
- Grant itemization coverage: Limited
- Major donor itemization: Limited
- Related-party transparency: Yes; rating input score 100
Accountability
- Independent voting board: 100%; rating input score 100; 77th percentile among comparable filings
- Governance controls: 7 of 9 controls in place; rating input score 78
- Conflict-of-interest policy: Pass
- Whistleblower policy: Pass
- Document-retention policy: Pass
- CEO compensation review process: Fail
- Other executive compensation review process: Fail
- Form 990 shared with the board: Pass
- Board meeting minutes documented: Pass
- Audit committee oversight: Pass
- Independent financial-statement audit: Pass
Sustainability
- Operating margin: -0.1%; rating input score 27; 27th percentile among comparable filings
- Total-asset coverage ratio: 0.27; rating input score 9; 9th percentile among comparable filings
- Liabilities to assets ratio: 0.56; rating input score 31; 31st percentile among comparable filings
- Officer compensation ratio: 0.1%; rating input score 94; 94th percentile among comparable filings
Growth
- Program expense growth: 4.4% per year; rating input score 100; 34th percentile among comparable filings
- Revenue growth: 3.8% per year; rating input score 100; 30th percentile among comparable filings
- Asset growth: 7.3% per year; rating input score 100; 54th percentile among comparable filings
Details
- What they do: Mission, programs, and operating context captured from the official website.
- Where the money goes: 93.9% of revenue deployed · 94.4% of spending went to programs
- Governance: 12 of 12 board members independent · 7 of 9 filing controls reported
- Programs: 1 filed program accomplishment · $451.1M in reported program spending
- Leadership: top reported pay $1.1M · 19 people listed · 0 of 6 pay-setting controls reported
- Highest-paid contractors: 5 contractors listed · $340M reported
- Consistency: 32 of 32 current checks pass
- Schedules: 4 filed schedules · includes executive pay and related organizations
- Filing history: 13 filing years from 2010 to 2024
- Contacts: How to reach this organization
- Related organizations: 5 filed related-organization links
- 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.
- High — Transparency & Controls: Pay-setting controls scored 0/100.
- Review — Accountability: Governance controls: 2 of 9 not reported.
- High — Sustainability: Operating margin scored 27/100.
- High — Sustainability: Total-asset coverage ratio scored 9/100.
- Moderate — Sustainability: Liabilities to assets ratio scored 31/100.