CAMBRIDGE PUBLIC EMPLOYEES DENTAL AND VISION FUND (EIN 042762048) - 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

1984

Legal Domicile

Principal Officer

JILL HEROLD

Phone

6173541110

Tax Period

2024-07-01 to 2025-06-30

CAMBRIDGE PUBLIC EMPLOYEES DENTAL AND VISION FUND, founded in 1984, is a community nonprofit that reported $6.7M in total revenue in fiscal year 2024. Revenue fell 21% from the prior year — a significant decline worth monitoring. Expenses of $6.5M left a modest 4% surplus.

Mission

TO PROVIDE DENTAL & VISION BENEFITS

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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 $6,320,962

Investment Income $376,345

Other Revenue $0

TOTAL REVENUE $6,697,307

Expense Breakdown

Grants Paid $0

Salaries & Benefits $167,517

Fundraising Expenses $0

Program Expenses $6,697,307

Other Expenses $266,584

TOTAL EXPENSES $6,461,256

Year-over-Year Comparison

	2024	2023	Change
Revenue	$6,697,307	$8,459,144	-0.2%
Expenses	$6,461,256	$6,061,522	+0.1%
Net Income	$236,051	$2,397,622	-0.9%

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

Total Directors

$33,250

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
RAY CLARK	TRUSTEE	1.00	Director	$3,000	$0	$3,000
LEONARD SILVA	TRUSTEE	1.00	Director	$2,500	$0	$2,500
PETER MILI	CHAIRPERSON	1.00	Director	$6,000	$0	$6,000
MARY ELLEN CAMPBELL	TRUSTEE	1.00	Director	$2,250	$0	$2,250
DENNIS O'CONNOR	TRUSTEE	1.00	Director	$2,500	$0	$2,500
GERALDINE HEROLD	TREASURER	2.00	Director	$5,750	$0	$5,750
ROBERT TRAVERS JR	TRUSTEE	1.00	Director	$2,750	$0	$2,750
CHRISTINA GIACOBBE	TRUSTEE	1.00	Director	$3,000	$0	$3,000
MICHELE KINCAID	TRUSTEE	1.00	Director	$2,500	$0	$2,500
SHEILA KEADY-RAWSON	TRUSTEE	1.00	Director	$3,000	$0	$3,000

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	$6,697,307	$6,461,256	$14,063,707	$236,051
2024	$8,459,144	$6,061,522	$13,080,231	$2,397,622
2023	$6,634,738	$5,492,781	$11,761,714	$1,141,957
2022	$6,527,168	$5,195,444	$9,868,388	$1,331,724
2021	$6,326,439	$5,270,776	$9,863,852	$1,055,663
2020	$5,808,211	$4,175,475	$7,700,083	$1,632,736
2019	$5,361,882	$5,315,639	$6,227,393	$46,243
2018	$5,190,408	$5,089,468	$5,933,449	$100,940

CAMBRIDGE PUBLIC EMPLOYEES DENTAL AND VISION FUND