BD OF TRUSTEES AMC & RFSEU GROUP LEGAL SERVICES FUND (EIN 112547525) - 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

1981

Legal Domicile

Principal Officer

DEBRA DUNN

Phone

5167475980

Tax Period

2023-01-01 to 2023-12-31

BD OF TRUSTEES AMC & RFSEU GROUP LEGAL SERVICES FUND, founded in 1981, is a community nonprofit that reported $1.2M in total revenue in fiscal year 2023. Revenue grew 18% year-over-year, indicating healthy expansion. Net assets of $3.8M represent 37 months of operating reserves.

Mission

TO PROVIDE PREPAID LEGAL BENEFITS TO ELIGIBLE PARTICIPANTS AND THEIR DEPENDENTS.

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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 $1,098,513

Investment Income $117,342

Other Revenue $0

TOTAL REVENUE $1,215,855

Expense Breakdown

Grants Paid $0

Salaries & Benefits $531,836

Fundraising Expenses $0

Other Expenses $184,256

TOTAL EXPENSES $1,203,364

Year-over-Year Comparison

	2023	2022	Change
Revenue	$1,215,855	$1,031,109	+0.2%
Expenses	$1,203,364	$758,894	+0.6%
Net Income	$12,491	$272,215	-1.0%

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

Total Directors

$450,944

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
JACK SQUICCIARINI	EMPLOYER TRUSTEE	2.00	Director	$1,000	$0	$1,000
TENISHA WILLIAMSON	LABOR TRUSTEE	2.00	Director	$0	$28,360	$196,284
DEBRA DUNN	LABOR TRUSTEE	2.00	Director	$0	$28,360	$253,660

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	$1,215,855	$1,203,364	$3,807,674	$12,491
2022	$1,031,109	$758,894	$3,659,174	$272,215
2021	$993,844	$708,812	$3,391,972	$285,032
2020	$943,314	$648,878	$3,114,043	$294,436
2019	$924,313	$720,367	$2,820,866	$203,946
2018	$876,880	$708,276	$2,612,774	$168,604

BD OF TRUSTEES AMC & RFSEU GROUP LEGAL SERVICES FUND