Welfare Benefits Trust for Collectively Bargained Retired Employees of MetLife (EIN 134092516) - 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

1999

Legal Domicile

Principal Officer

KEN LAGUARDIA

Phone

2125783814

Tax Period

2024-01-01 to 2024-12-31

Welfare Benefits Trust for Collectively Bargained Retired Employees of MetLife, founded in 1999, is a community nonprofit in the Mutual Benefit sector that reported $2.1M in total revenue in fiscal year 2024. Revenue surged 597% from the prior year, signaling strong growth momentum. The organization ran a surplus of $1.8M, a strong 86% operating margin.

Mission

TO PROVIDE MEDICAL AND DENTAL BENEFITS ELIGIBLE COLLECTIVELY BARGAINED RETIRED 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 $2,082,372

Other Revenue $0

TOTAL REVENUE $2,082,372

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $0

Other Expenses $7,448

TOTAL EXPENSES $297,023

Year-over-Year Comparison

	2024	2023	Change
Revenue	$2,082,372	$298,587	+6.0%
Expenses	$297,023	$160,987	+0.8%
Net Income	$1,785,349	$137,600	+12.0%

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

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	$2,082,372	$297,023	$43,080,218	$1,785,349
2023	$298,587	$160,987	$41,904,106	$137,600
2022	$1,230,341	$313,905	$38,916,982	$916,436
2021	$1,142,472	$860,875	$45,866,049	$281,597
2020	$2,951,967	$1,015,757	$47,302,519	$1,936,210
2019	$1,270,566	$1,344,888	$44,369,841	$-74,322

Welfare Benefits Trust for Collectively Bargained Retired Employees of MetLife