BOARD OF REGENTS OF HIGHER EDUCATION MA TEACHERS ASSOC HEALTH & WELFARE FUND (EIN 042901664) - 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

1985

Legal Domicile

Principal Officer

MARC LIBERATORE

Phone

6176968900

Tax Period

2024-07-01 to 2025-06-30

BOARD OF REGENTS OF HIGHER EDUCATION MA TEACHERS ASSOC HEALTH & WELFARE FUND, founded in 1985, is a community nonprofit that reported $7.5M in total revenue in fiscal year 2024. Expenses of $7.2M left a modest 5% surplus.

Mission

TO PROVIDE DENTAL INSURANCE 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 $7,270,589

Investment Income $268,936

Other Revenue $0

TOTAL REVENUE $7,539,525

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $7,070,399

Other Expenses $7,181,839

TOTAL EXPENSES $7,181,839

Year-over-Year Comparison

	2024	2023	Change
Revenue	$7,539,525	$7,607,583	0.0%
Expenses	$7,181,839	$6,761,377	+0.1%
Net Income	$357,686	$846,206	-0.6%

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
ALEXANDER MORR	CO-CHAIR	1.00	Officer Director	$0	$0	$0
JAY BRY	TRUSTEE	1.00	Director	$0	$0	$0
WILLIAM DARING	TRUSTEE	1.00	Director	$0	$0	$0
BRIAN FALTER	TRUSTEE	1.00	Director	$0	$0	$0
CASEY KRONE	TRUSTEE	1.00	Director	$0	$0	$0
KELLY PLEASANT	TRUSTEE	1.00	Director	$0	$0	$0
PAUL ALEXANDER	TRUSTEE	1.00	Director	$0	$0	$0
JOHN CLUVERIUS	TRUSTEE	1.00	Director	$0	$0	$0
PAUL BRUNO	TRUSTEE	1.00	Director	$0	$0	$0
MARC LIBERATORE	CO-CHAIR	1.00	Officer Director	$0	$0	$0
SHERRY HOREANOPOULOS	TRUSTEE	1.00	Director	$0	$0	$0
KATIE TEMPLE	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
2025	$7,539,525	$7,181,839	$8,718,471	$357,686
2024	$7,607,583	$6,761,377	$10,405,382	$846,206
2023	$7,465,795	$6,504,564	$7,254,810	$961,231
2022	$7,705,750	$6,436,678	$6,201,016	$1,269,072
2021	$7,109,684	$6,147,524	$7,210,806	$962,160
2020	$7,366,775	$6,836,868	$5,961,406	$529,907
2019	$7,157,567	$7,080,494	$4,591,998	$77,073
2018	$7,133,180	$7,068,809	$3,378,224	$64,371

BOARD OF REGENTS OF HIGHER EDUCATION MA TEACHERS ASSOC HEALTH & WELFARE FUND