EMPLOYER CONTRIBUTION VEBA TRUST PEPPERDINE UNIVERSITY (EIN 043838449) - 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

2005

Legal Domicile

Principal Officer

GREG G RAMIREZ

Phone

3105064397

Tax Period

2024-01-01 to 2024-12-31

EMPLOYER CONTRIBUTION VEBA TRUST PEPPERDINE UNIVERSITY, founded in 2005, is a small nonprofit in the Mutual Benefit sector that reported $815K in total revenue in fiscal year 2024. Revenue surged 55% from the prior year, signaling strong growth momentum. Expenses of $736K left a modest 10% surplus.

Mission

To provide retiree health benefits to the employer's former employees and their spouses and dependents, although other benefits may be provided as described in the plan document.

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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 $1,525

Investment Income $813,942

Other Revenue $0

TOTAL REVENUE $815,467

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $619,523

Other Expenses $116,633

TOTAL EXPENSES $736,156

Year-over-Year Comparison

	2024	2023	Change
Revenue	$815,467	$525,253	+0.6%
Expenses	$736,156	$547,090	+0.3%
Net Income	$79,311	$-21,837	-4.6%

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

$464,238

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
Greg Ramirez	CFO of Pepperdine University	1.0	Officer	$0	$36,961	$464,238
Hand Benefits and Trust	Trustee	1.0		$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
2024	$815,467	$736,156	$16,346,104	$79,311
2023	$525,253	$547,090	$15,506,742	$-21,837
2022	$1,005,769	$552,043	$14,014,851	$453,726
2021	$180,981	$417,014	$16,177,387	$-236,033
2020	$226,954	$308,819	$16,174,398	$-81,865
2019	$262,246	$410,303	$16,074,611	$-148,057
2018	$917,347	$370,941	$16,026,893	$546,406
2018	$917,347	$370,941	$16,026,893	$546,406

EMPLOYER CONTRIBUTION VEBA TRUST PEPPERDINE UNIVERSITY