MARLBORO FACULTY ASSOCIATION BENEFIT TRUST (EIN 141712911) - 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

1988

Legal Domicile

Principal Officer

KIMBERLY HOWLETT

Tax Period

2022-07-01 to 2023-06-30

MARLBORO FACULTY ASSOCIATION BENEFIT TRUST, founded in 1988, is a small nonprofit that reported $668K in total revenue in fiscal year 2022. The organization ran a surplus of $131K, a strong 20% operating margin.

Mission

TO PROVIDE DENTAL, LEGAL, AND OPTICAL BENEFITS WHICH COVER PERSONS EMPLOYED BY THE MARLBORO SCHOOL DISTRICT OR RETIRED FROM THE DISTRICT ON A SELF-INSURED BASIS.

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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 (2022)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $649,777

Investment Income $18,094

Other Revenue $0

TOTAL REVENUE $667,871

Expense Breakdown

Grants Paid $0

Salaries & Benefits $21,375

Fundraising Expenses $0

Program Expenses $537,344

Other Expenses $47,324

TOTAL EXPENSES $537,344

Year-over-Year Comparison

	2022	2021	Change
Revenue	$667,871	$657,376	+0.0%
Expenses	$537,344	$486,188	+0.1%
Net Income	$130,527	$171,188	-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

$8,500

Total Directors

$7,750

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
KIMBERLY HOWLETT	TREASURER	001.00	Director	$7,750	$0	$7,750
ERIN NAGEL	SECRETARY, TRUSTEE	006.00	Officer	$7,750	$0	$7,750
BRIAN BECK	TRUSTEE	004.00	Officer	$750	$0	$750
MARION LYONS	TRUSTEE	001.00	Director	$0	$0	$0
COLEEN SCHAFER	TRUSTEE	001.00		$0	$0	$0
SCOTT DEGEORGE	PRESIDENT, TRUSTEE	001.00	Officer	$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	No data	No data	No data	No data
2024	No data	No data	No data	No data
2023	$667,871	$537,344	$1,386,136	$130,527
2022	$657,376	$486,188	$1,255,609	$171,188
2021	$624,815	$493,761	$1,084,421	$131,054
2020	$559,610	$564,790	$953,367	$-5,180
2019	$585,228	$529,257	$958,547	$55,971

MARLBORO FACULTY ASSOCIATION BENEFIT TRUST