BENEVOLENT TELEPHONE DEATH BENEFIT FUND INC (EIN 042480299) - 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

1970

Legal Domicile

Principal Officer

PAUL A CHRZAN

Phone

9784756570

Tax Period

2024-01-01 to 2024-12-31

BENEVOLENT TELEPHONE DEATH BENEFIT FUND INC, founded in 1970, is a small nonprofit that reported $513K in total revenue in fiscal year 2024. Revenue surged 105% from the prior year, signaling strong growth momentum. Expenses of $725K exceeded revenue, resulting in a 41% operating deficit.

Mission

A MASSACHUSETTS CORPORATION THAT ENGAGES IN THE PAYMENT OF DEATH BENEFITS TO THE REMAINING MEMBERS OF THE NOW DECERTIFIED INTERNATIONAL BROTHERHOOD OF TELEPHONE WORKERS.

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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 $0

Investment Income $512,523

Other Revenue $0

TOTAL REVENUE $512,523

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Other Expenses $275,990

TOTAL EXPENSES $724,790

Year-over-Year Comparison

	2024	2023	Change
Revenue	$512,523	$250,088	+1.0%
Expenses	$724,790	$664,450	+0.1%
Net Income	$-212,267	$-414,362	-0.5%

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

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
LOUIS LAROCHELLE	TRUSTEE	1.00	Director	$0	$0	$0
JOHN EATON	TRUSTEE	1.00	Director	$0	$0	$0
DAVID DRISCOLL	TRUSTEE	1.00	Director	$0	$0	$0
RONALD S HIGH	TRUSTEE	1.00	Director	$0	$0	$0
ERNEST SULE	TRUSTEE	1.00	Director	$0	$0	$0
PAUL A CHRZAN	PRESIDENT/TR	1.00	Officer Director	$0	$0	$0
JOHN J HARDMAN	TRUSTEE	1.00	Director	$0	$0	$0
DAVID E PAUL JR	TRUSTEE	1.00	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	$512,523	$724,790	$5,716,235	$-212,267
2023	$250,088	$664,450	$5,855,228	$-414,362
2022	$490,193	$654,139	$5,858,035	$-163,946
2021	$535,255	$646,200	$6,644,325	$-110,945
2020	$216,219	$546,529	$5,730,854	$-330,310
2019	$555,847	$575,100	$5,859,376	$-19,253
2018	$300,426	$590,135	$5,314,584	$-289,709

BENEVOLENT TELEPHONE DEATH BENEFIT FUND INC