UFCW UNIONS & PARTICIPATING EMPLOYERS HEALTH & WELFARE FUND (EIN 010749311) - Form 990 Financial Analysis & Trantor Score

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Financial Vulnerability Assessment (Tuckman-Chang)

4 risk indicators measuring financial stability and operational resilience

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Financial Trends

Organization Details

Formation Year

2002

Legal Domicile

Principal Officer

SAM FERRAINO

Phone

8567932500

Tax Period

2023-11-01 to 2024-10-31

UFCW UNIONS & PARTICIPATING EMPLOYERS HEALTH & WELFARE FUND, founded in 2002, is a mid-sized nonprofit in the Mutual Benefit sector that reported $49.0M in total revenue in fiscal year 2023. Expenses of $46.7M left a modest 5% surplus.

Mission

TO PAY HEALTH, LIFE AND LIMITED LEGAL BENEFITS FOR PARTICIPANTS.

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Trantor Score

Financial Health Score (300–850) · Liquidity · Solvency · Sustainability · Efficiency

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Liquidity (40%) • Solvency (30%) • Sustainability (20%) • Efficiency (10%)

Financial Overview (2023)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $47,038,527

Investment Income $1,979,207

Other Revenue $0

TOTAL REVENUE $49,017,734

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Other Expenses $5,971,078

TOTAL EXPENSES $46,725,814

Year-over-Year Comparison

	2023	2022	Change
Revenue	$49,017,734	$46,518,782	+0.1%
Expenses	$46,725,814	$47,221,802	0.0%
Net Income	$2,291,920	$-703,020	-4.3%

Key Indicators

✗ Grants to Organizations ✗ Grants to Individuals ✗ Lobbying ✗ Political Activity ✗ Foreign Activities ✗ Donor Advised Fund ✗ Schedule B Required

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Financial Health Indicators

Comprehensive financial analysis: Altman Z-Score, liquidity, solvency, sustainability, efficiency, and growth metrics

Financial Distress Indicator

Liquidity & Cash Position

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Altman Z-Score • Liquidity Ratios • Solvency Analysis • Growth Indicators • Efficiency Metrics

Governance

Voting Members

Independent Members

N/A

Employees

N/A

Volunteers

N/A

Governance Policies

✗ Conflict of Interest Policy

✗ Whistleblower Policy

✗ Document Retention Policy

Special Practices & Reported Activities

✗ Operated a School

✗ Operated a Hospital

✗ Provided First Class Travel

✗ Reported Conflict of Interest

✗ Reported Asset Diversion

✗ Excess Benefit Transaction

✗ Made Political Expenditures

✗ Engaged in Lobbying

✗ Operated Donor Advised Fund

✗ Maintained Art Collections

✗ Filed Form 720

Compensation of Officers, Directors & Key Employees

Total Officers

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
SAM FERRAINO	CHAIR/TRUSTE	N/A	Director	$0	$0	$0
PATRICK J DURNING	SECRETARY/TR	N/A	Director	$0	$0	$0
GENE DEL ROSARIO	TRUSTEE	N/A	Director	$0	$0	$0
DANIEL ROSS	TRUSTEE	N/A	Director	$0	$0	$0
DANIEL KONCZYK	TRUSTEE	N/A	Director	$0	$0	$0
RACHEL CARUSO	TRUSTEE	N/A	Director	$0	$0	$0
ALEXANDER VOITOVICH	TRUSTEE	N/A	Director	$0	$0	$0
TIM TERIFAY	TRUSTEE	N/A	Director	$0	$0	$0

Note: Compensation data is self-reported by the organization on their Form 990. "Reportable Comp" includes salary, bonuses, and other reportable compensation from the organization and related organizations. "Other Comp" includes benefits, deferred compensation, and non-taxable benefits.

Historical Data

Year	Revenue	Expenses	Assets	Net Income
2024	$49,017,734	$46,725,814	$52,746,573	$2,291,920
2023	$46,518,782	$47,221,802	$46,733,989	$-703,020
2022	$45,702,034	$41,176,714	$45,983,131	$4,525,320
2021	$47,301,104	$44,547,268	$44,246,028	$2,753,836
2020	$48,594,820	$41,277,506	$39,971,673	$7,317,314
2019	$48,497,754	$43,575,271	$32,741,384	$4,922,483
2018	$48,250,746	$44,302,818	$28,940,208	$3,947,928

UFCW UNIONS & PARTICIPATING EMPLOYERS HEALTH & WELFARE FUND