HEALTH & WELFARE FUND - LOCAL 485 co Daniel H Cook Associates Inc (EIN 112026238) - 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

1963

Legal Domicile

Principal Officer

Louie Luciani

Phone

2125055050

Tax Period

2024-05-01 to 2025-04-30

HEALTH & WELFARE FUND - LOCAL 485 co Daniel H Cook Associates Inc, founded in 1963, is a small nonprofit that reported $737K in total revenue in fiscal year 2024. Revenue surged 33% from the prior year, signaling strong growth momentum. Expenses of $1.1M exceeded revenue, resulting in a 45% operating deficit.

Mission

TO DELIVER HEALTH BENEFITS TO ITS PARTICIPANTS AND DEPENDENTS, WHICH FURTHER THE COMMON INTERESTS OF PARTICIPANTS.

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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 $428,627

Investment Income $308,299

Other Revenue $248

TOTAL REVENUE $737,174

Expense Breakdown

Grants Paid $0

Salaries & Benefits $47,262

Fundraising Expenses $0

Other Expenses $290,051

TOTAL EXPENSES $1,072,204

Year-over-Year Comparison

	2024	2023	Change
Revenue	$737,174	$552,783	+0.3%
Expenses	$1,072,204	$1,057,997	+0.0%
Net Income	$-335,030	$-505,214	-0.3%

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

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
LUIS HUMBERTO LEON	Fmr. Trustee	15.00	Director	$0	$0	$0
STEVEN SUNDBERG	Trustee	1.00	Director	$0	$0	$0
Donald Devine	Fmr. Trustee	1.00	Director	$0	$0	$0
Rafael Ramos	Fmr. Trustee	1.00	Director	$0	$0	$0
Louie Luciani	Trustee	1.00	Director	$0	$0	$0
James Winship	Trustee	1.00	Director	$0	$0	$0
Heather Warren	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	$737,174	$1,072,204	$9,073,960	$-335,030
2024	$552,783	$1,057,997	$8,560,421	$-505,214
2023	$1,375,407	$801,244	$8,912,237	$574,163
2022	$2,734,388	$3,021,305	$5,440,145	$-286,917
2021	$2,806,977	$2,007,710	$6,408,329	$799,267
2020	$2,683,290	$1,830,576	$5,349,702	$852,714
2019	$2,837,590	$2,539,024	$4,413,455	$298,566
2018	$2,601,309	$2,046,041	$4,032,691	$555,268

HEALTH & WELFARE FUND - LOCAL 485 co Daniel H Cook Associates Inc