Medical and Dental Benefits Trust … - Form 990 Financial Data

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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

1999

Legal Domicile

Principal Officer

KEN LAGUARDIA

Phone

2125783814

Tax Period

2024-01-01 to 2024-12-31

Medical and Dental Benefits Trust for Employees of MetLife, founded in 1999, is a small nonprofit in the Mutual Benefit sector that reported $594K in total revenue in fiscal year 2024. Revenue grew 15% year-over-year, indicating healthy expansion. The organization ran a surplus of $587K, a strong 99% operating margin.

Mission

TO PROVIDE MEDICAL AND DENTAL BENEFITS TO ELIGIBLE ACTIVE EMPLOYEES OF METLIFE GROUP, INC. AND PARTICIPATING AFFILIATES.

Program Service Accomplishments

Program 1

Expenses: $0 Revenue: $0

TO PROVIDE MEDICAL AND DENTAL BENEFITS TO ELIGIBLE ACTIVE EMPLOYEES OF METLIFE GROUP, INC. AND PARTICIPATING AFFILIATES.

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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 $0

Investment Income $594,134

Other Revenue $0

TOTAL REVENUE $594,134

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $0

Other Expenses $7,448

TOTAL EXPENSES $7,448

Year-over-Year Comparison

	2024	2023	Change
Revenue	$594,134	$517,008	+0.1%
Expenses	$7,448	$5,771	+0.3%
Net Income	$586,686	$511,237	+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

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
JUDITH RUBINSTEIN	TRUSTEE	0.5	Director	$0	$0	$0
CASEY HUMPHREYS	TRUSTEE	0.5	Director	$0	$0	$0
KEN LAGUARDIA	TRUSTEE	0.5	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
2024	$594,134	$7,448	$15,580,272	$586,686
2023	$517,008	$5,771	$15,321,202	$511,237
2022	$343,594	$5,513	$14,488,334	$338,081
2021	$451,557	$12,505,409	$16,430,630	$-12,053,852
2020	$646,667	$570	$29,232,226	$646,097
2019	$725,537	$4,913	$27,306,849	$720,624

Medical and Dental Benefits Trust for Employees of MetLife