TEAMSTERS UNION LOCAL 25 HEALTH SERVICES & INSURANCE PLAN (EIN 042226511) - 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

1955

Legal Domicile

Principal Officer

THOMAS G MARI

Phone

6172419220

Tax Period

2024-09-01 to 2025-08-31

TEAMSTERS UNION LOCAL 25 HEALTH SERVICES & INSURANCE PLAN, founded in 1955, is a major nonprofit that reported $209.6M in total revenue in fiscal year 2024. Expenses of $180.8M left a modest 14% surplus.

Mission

THE PLAN PROVIDES MEDICAL, HOSPITALIZATION, DENTAL, VISION, HEARING, LIFE INSURANCE, COUNSELING, WEEKLY DISABILITY, AND PRESCRIPTION DRUG BENEFITS FOR ELIGIBLE PARTICIPANTS AND THEIR DEPENDENTS. THE PLAN ALSO PROVIDES A PROGRAM OF BENEFITS FOR ELIGIBLE RETIREES.

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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 (2024)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $189,857,407

Investment Income $19,566,339

Other Revenue $202,945

TOTAL REVENUE $209,626,691

Expense Breakdown

Grants Paid $0

Salaries & Benefits $8,932,525

Fundraising Expenses $0

Other Expenses $2,954,627

TOTAL EXPENSES $180,846,206

Year-over-Year Comparison

	2024	2023	Change
Revenue	$209,626,691	$202,835,150	+0.0%
Expenses	$180,846,206	$169,328,568	+0.1%
Net Income	$28,780,485	$33,506,582	-0.1%

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

Employees

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

$270,836

Total Directors

$1,092,138

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
THOMAS G MARI	UNION TRUSTEE, CO-CHAIRMAN	2.00	Director	$0	$55,954	$255,063
STEVEN J SOUTH	UNION TRUSTEE	2.00	Director	$0	$55,954	$241,771
ANDREW P WALSH	UNION TRUSTEE (P)	2.00	Director	$0	$55,954	$198,568
JOSEPH F FOTI	UNION TRUSTEE	2.00	Director	$0	$55,954	$198,417
JASON LOPES	UNION TRUSTEE	2.00	Director	$0	$55,954	$198,319
MICHAEL SHAUGHNESSY	EMPLOYER TRUSTEE, CO-CHAIR	2.00	Director	$0	$0	$0
ED DEVITO	EMPLOYER TRUSTEE	2.00	Director	$0	$0	$0
MATTHEW LOUGHLIN	EMPLOYER TRUSTEE (P)	2.00	Director	$0	$0	$0
JASON PARADIS	EMPLOYER TRUSTEE	2.00	Director	$0	$0	$0
JOHN WHITE	EMPLOYER TRUSTEE	2.00	Director	$0	$0	$0
MARIA GNERRE	EXECUTIVE DIRECTOR	40.00	Officer	$214,998	$55,838	$270,836
MARK C ANTIDORMI	PHARMACY DIRECTOR	40.00	Highest	$172,517	$55,838	$228,355
LAURIE MURPHY	DENTAL DIRECTOR	40.00	Highest	$173,907	$52,993	$226,900
ANISSA DERROUCHE	DENTAL MANAGER	40.00	Highest	$172,226	$53,851	$226,077
JOANNE SCHULTZ	DENTIST	40.00	Highest	$165,113	$55,838	$220,951
AZITA NEGAHBAN	DENTIST	40.00	Highest	$153,905	$55,838	$209,743

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
2025	$209,626,691	$180,846,206	$452,546,257	$28,780,485
2024	$202,835,150	$169,328,568	$410,298,187	$33,506,582
2023	$199,686,592	$163,801,229	$354,814,661	$35,885,363
2022	$206,440,171	$156,655,133	$308,767,057	$49,785,038
2021	$185,091,429	$147,582,801	$306,088,595	$37,508,628
2020	$163,439,906	$152,603,994	$242,241,744	$10,835,912
2019	$162,237,978	$146,358,765	$211,725,374	$15,879,213
2018	$150,648,540	$141,163,831	$192,102,113	$9,484,709

TEAMSTERS UNION LOCAL 25 HEALTH SERVICES & INSURANCE PLAN