AT&T POSTRETIREMENT LIFE INSURANCE AND OTHER BENEFITS TRUST (EIN 043137197) - 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

1991

Legal Domicile

Principal Officer

INGRID BERNER

Phone

2144868949

Tax Period

2023-01-01 to 2023-12-31

AT&T POSTRETIREMENT LIFE INSURANCE AND OTHER BENEFITS TRUST, founded in 1991, is a community nonprofit that reported $2.2M in total revenue in fiscal year 2023. Revenue surged 469% from the prior year, signaling strong growth momentum. Expenses of $5.4M exceeded revenue, resulting in a 145% operating deficit.

Mission

TO FUND BENEFIT EXPENSES.

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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 $0

Investment Income $2,200,058

Other Revenue $0

TOTAL REVENUE $2,200,058

Expense Breakdown

Grants Paid $0

Salaries & Benefits $13,750

Fundraising Expenses $0

Program Expenses $5,227,235

Other Expenses $159,452

TOTAL EXPENSES $5,400,437

Year-over-Year Comparison

	2023	2022	Change
Revenue	$2,200,058	$386,817	+4.7%
Expenses	$5,400,437	$5,712,770	-0.1%
Net Income	$-3,200,379	$-5,325,953	-0.4%

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
MELLON TRUST OF NEW ENGLAND	TRUSTEE	40.0		$13,750	$0	$13,750

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	No data	No data	No data	No data
2023	$2,200,058	$5,400,437	$24,785	$-3,200,379
2022	$386,817	$5,712,770	$127,875,998	$-5,325,953
2021	$702,921	$6,810,977	$133,201,951	$-6,108,056
2020	$710,998	$6,541,780	$139,310,007	$-5,830,782
2019	$77,637,987	$5,990,811	$145,140,789	$71,647,176
2018	$3,155,545	$6,409,215	$73,493,613	$-3,253,670

AT&T POSTRETIREMENT LIFE INSURANCE AND OTHER BENEFITS TRUST