AMERICAN WATER WORKS COMPANY INC LIFE INSURANCE TRUST (EIN 043207700) - 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

1983

Legal Domicile

Principal Officer

MARTIN FALKENBERG

Phone

8569554001

Tax Period

2023-01-01 to 2023-12-31

AMERICAN WATER WORKS COMPANY INC LIFE INSURANCE TRUST, founded in 1983, is a community nonprofit that reported $2.6M in total revenue in fiscal year 2023.

Mission

PROVISION FOR LIFE INSURANCE FOR EMPLOYEES OF AMERICAN WATER WORKS CO., INC. (VOLUNTARY EMPLOYEE BENEFICIARY ASSOCIATION)

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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 $2,538,091

Investment Income $63,252

Other Revenue $0

TOTAL REVENUE $2,601,343

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $1,827

Program Expenses $2,641,821

Other Expenses $38,762

TOTAL EXPENSES $2,680,583

Year-over-Year Comparison

	2023	2022	Change
Revenue	$2,601,343	$2,536,404	+0.0%
Expenses	$2,680,583	$2,211,118	+0.2%
Net Income	$-79,240	$325,286	-1.2%

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

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

$2,122,723

Total Directors

$2,122,723

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
LYNDA DIMENNA	BENEFIT COMMITTEE	8.00	Officer Director	$0	$31,514	$486,505
DAVID CHOATE	BENEFIT COMMITTEE	8.00	Officer Director	$0	$24,130	$384,673
MELISSA CIULLO	BENEFIT COMMITTEE	8.00	Officer Director	$0	$23,781	$390,069
RHYAN COHRANE	BENEFIT COMMITTEE	8.00	Officer Director	$0	$14,341	$209,710
NICK FURIA	BENEFIT COMMITTEE	8.00	Officer Director	$0	$21,653	$289,522
MARTY FALKENBERG	BENEFIT COMMITTEE	8.00	Officer Director	$0	$27,241	$362,244

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	$2,601,343	$2,680,583	$1,539,713	$-79,240
2022	$2,536,404	$2,211,118	$1,618,953	$325,286
2021	$3,037,294	$2,761,203	$1,296,790	$276,091
2020	$1,105,704	$1,998,567	$1,071,985	$-892,863
2019	$519,277	$1,146,438	$3,033,020	$-627,161
2018	$696,864	$1,266,544	$3,473,207	$-569,680

AMERICAN WATER WORKS COMPANY INC LIFE INSURANCE TRUST