BRISTOL-MYERS SQUIBB COMPANY LONG TERM DISABILITY MASTER WELFARE BENEFIT TRUST (EIN 132976142) - 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

1989

Legal Domicile

Principal Officer

THE NORTHERN TRUST CO

Phone

2125464196

Tax Period

2021-01-01 to 2021-12-31

BRISTOL-MYERS SQUIBB COMPANY LONG TERM DISABILITY MASTER WELFARE BENEFIT TRUST, founded in 1989, is a community nonprofit that reported $4.7M in total revenue in fiscal year 2021. Revenue grew 18% year-over-year, indicating healthy expansion. Expenses of $33.4M exceeded revenue, resulting in a 612% operating deficit.

Mission

PROVIDING HEALTH & WELFARE BENEFITS FOR MEMBERS.

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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 (2021)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $0

Investment Income $4,686,073

Other Revenue $0

TOTAL REVENUE $4,686,073

Expense Breakdown

Grants Paid $0

Salaries & Benefits $7,290

Fundraising Expenses $0

Program Expenses $33,364,662

Other Expenses $28,769,090

TOTAL EXPENSES $33,364,662

Year-over-Year Comparison

	2021	2020	Change
Revenue	$4,686,073	$3,970,770	+0.2%
Expenses	$33,364,662	$9,416,594	+2.5%
Net Income	$-28,678,589	$-5,445,824	+4.3%

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

N/A

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

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
N/A	TRUSTEE	40.00		$7,290	$0	$7,290

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
2021	$4,686,073	$33,364,662	No data	$-28,678,589
2020	$3,970,770	$9,416,594	$31,910,404	$-5,445,824
2019	$2,459,261	$10,051,301	$35,672,998	$-7,592,040
2018	$8,201,541	$9,336,723	$38,072,539	$-1,135,182

BRISTOL-MYERS SQUIBB COMPANY LONG TERM DISABILITY MASTER WELFARE BENEFIT TRUST