TUFTS UNIVERSITY EMPLOYEE BENEFIT TRUST (EIN 043236078) - 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

1994

Legal Domicile

Phone

6176273816

Tax Period

2024-07-01 to 2025-06-30

TUFTS UNIVERSITY EMPLOYEE BENEFIT TRUST, founded in 1994, is a community nonprofit that reported $1.2M in total revenue in fiscal year 2024. Expenses of $1.1M left a modest 7% surplus.

Mission

TO PROVIDE HEALTH INSURANCE BENEFITS TO RETIREES

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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 $346,676

Investment Income $888,652

Other Revenue $0

TOTAL REVENUE $1,235,328

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $1,145,333

Other Expenses $73,313

TOTAL EXPENSES $1,145,333

Year-over-Year Comparison

	2024	2023	Change
Revenue	$1,235,328	$1,184,059	+0.0%
Expenses	$1,145,333	$1,105,405	+0.0%
Net Income	$89,995	$78,654	+0.1%

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

$1,164,604

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
James M Hurley	CFO,VP-Finance & Treasurer - End Date 6/30/2025	1.0	Director	$0	$53,930	$574,888
Jonathan Pearsall	Assoc. VP & University Controller	1.0	Director	$0	$58,700	$386,509
Robbyn W Dewar	Benefits Programs and Compliance Director	1.0	Director	$0	$40,947	$203,207

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	$1,235,328	$1,145,333	$14,847,890	$89,995
2024	No data	No data	No data	No data
2023	$1,131,202	$1,398,838	$13,260,272	$-267,636
2022	$1,451,389	$1,454,368	$14,093,662	$-2,979
2021	$1,539,960	$1,685,472	$16,777,437	$-145,512
2020	$1,683,338	$2,038,819	$13,947,003	$-355,481
2019	$2,376,329	$1,623,706	$15,099,364	$752,623
2018	$7,336,786	$3,747,465	$17,450,275	$3,589,321

TUFTS UNIVERSITY EMPLOYEE BENEFIT TRUST