HEALTH & WELFARE TRUST FUND UNITED PAPER WORKERS INTL UNION (EIN 135661101) - 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

1955

Legal Domicile

Principal Officer

JOSEPH ARICO

Phone

9089174000

Tax Period

2024-04-01 to 2025-03-31

HEALTH & WELFARE TRUST FUND UNITED PAPER WORKERS INTL UNION, founded in 1955, is a small nonprofit that reported $162K in total revenue in fiscal year 2024. Revenue surged 22% from the prior year, signaling strong growth momentum. Expenses of $182K exceeded revenue, resulting in a 12% operating deficit.

Mission

TO PROVIDE DENTAL BENEFITS FOR ITS 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 $132,428

Investment Income $29,987

Other Revenue $0

TOTAL REVENUE $162,415

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Other Expenses $72,163

TOTAL EXPENSES $182,362

Year-over-Year Comparison

	2024	2023	Change
Revenue	$162,415	$133,064	+0.2%
Expenses	$182,362	$159,242	+0.1%
Net Income	$-19,947	$-26,178	-0.2%

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

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
JOSEPH ARICO	UNION TRUSTEE	1.00	Director	$0	$0	$0
DANIEL FREEMAN	EMPLOYER 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	$162,415	$182,362	$756,883	$-19,947
2024	$133,064	$159,242	$787,188	$-26,178
2023	$137,184	$148,537	$725,973	$-11,353
2022	$139,446	$146,150	$805,974	$-6,704
2021	$126,327	$139,016	$821,601	$-12,689
2020	$66,980	$150,689	$697,582	$-83,709
2019	$94,525	$134,619	$826,607	$-40,094
2018	$121,623	$159,456	$875,631	$-37,833

HEALTH & WELFARE TRUST FUND UNITED PAPER WORKERS INTL UNION