SERVICE EMPLOYEES BENEFIT FUND (EIN 150613682) - 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

1961

Legal Domicile

Principal Officer

TERRY MOON

Phone

3152186513

Tax Period

2023-11-01 to 2024-10-31

SERVICE EMPLOYEES BENEFIT FUND, founded in 1961, is a mid-sized nonprofit in the Mutual Benefit sector that reported $48.2M in total revenue in fiscal year 2023. Revenue surged 22% from the prior year, signaling strong growth momentum. Expenses of $46.4M left a modest 4% surplus.

Mission

TO PROVIDE HEALTH AND WELFARE SERVICES TO 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 (2023)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $42,791,710

Investment Income $1,612,246

Other Revenue $3,781,289

TOTAL REVENUE $48,185,245

Expense Breakdown

Grants Paid $0

Salaries & Benefits $747,624

Fundraising Expenses $0

Other Expenses $2,047,656

TOTAL EXPENSES $46,381,057

Year-over-Year Comparison

	2023	2022	Change
Revenue	$48,185,245	$39,388,246	+0.2%
Expenses	$46,381,057	$44,818,457	+0.0%
Net Income	$1,804,188	$-5,430,211	-1.3%

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

Independent Members

Employees

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

$146,990

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
ROBERT WOOD	FORMER TRUSTEE	1.00	Director	$0	$0	$0
ELIZABETH GOLEMBESKI	TRUSTEE	1.00	Director	$0	$0	$0
SCOTT PHILLIPSON	TRUSTEE	1.00	Director	$0	$0	$0
LIZ SMITH	TRUSTEE	1.00	Director	$0	$0	$0
JOHN MURRAY	TRUSTEE	1.00	Director	$0	$0	$0
GRACE BONGDANOVE	FORMER TRUSTEE	1.00	Director	$0	$0	$0
KEVIN LOCKHART	TRUSTEE	1.00	Director	$0	$0	$0
LAURA DOWLING	TRUSTEE	1.00	Director	$0	$0	$0
RUSSELL D'AMICO	TRUSTEE	1.00	Director	$0	$0	$0
MARY WILSIE	TRUSTEE	1.00	Director	$0	$0	$0
TERRY MOON	FUND MANAGER	40.00	Officer	$97,927	$49,063	$146,990

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	$48,185,245	$46,381,057	$52,074,243	$1,804,188
2023	$39,388,246	$44,818,457	$46,740,990	$-5,430,211
2022	$43,032,952	$38,297,083	$51,277,450	$4,735,869
2021	$42,030,691	$38,819,978	$52,829,631	$3,210,713
2020	$43,310,490	$36,237,102	$47,131,622	$7,073,388
2019	$40,693,016	$36,218,498	$38,057,785	$4,474,518
2018	$38,418,143	$35,934,156	$31,828,585	$2,483,987

SERVICE EMPLOYEES BENEFIT FUND