Unum Group Employees Short-Term Disability Plan Trust (EIN 202545614) - 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

2005

Legal Domicile

Principal Officer

ROB HECKER

Phone

4232941578

Tax Period

2023-01-01 to 2023-12-31

Unum Group Employees Short-Term Disability Plan Trust, founded in 2005, is a community nonprofit in the Mutual Benefit sector that reported $8.8M in total revenue in fiscal year 2023. Revenue grew 12% year-over-year, indicating healthy expansion.

Mission

THE PLAN PROVIDES DISABILITY BENEFITS FOR EMPLOYEES ON SHORT-TERM DISABILITY ON A BI-WEEKLY BASIS. THIS TAX-EXEMPT TRUST WAS ESTABLISHED UNDER IRC SECTION 501(C)(9) AS A VEBA

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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 $8,796,301

Investment Income $55,885

Other Revenue $-50,000

TOTAL REVENUE $8,802,186

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Other Expenses $22,555

TOTAL EXPENSES $8,588,856

Year-over-Year Comparison

	2023	2022	Change
Revenue	$8,802,186	$7,891,342	+0.1%
Expenses	$8,588,856	$7,915,633	+0.1%
Net Income	$213,330	$-24,291	-9.8%

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
REGIONS BANK	TRUSTEE	0.0		$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	No data	No data	No data	No data
2023	$8,802,186	$8,588,856	$1,381,296	$213,330
2022	$7,891,342	$7,915,633	$1,100,611	$-24,291
2021	$8,019,568	$8,084,945	$1,111,029	$-65,377
2020	$6,317,580	$6,353,037	$863,816	$-35,457
2019	$5,012,960	$4,984,568	$816,775	$28,392
2018	$4,406,290	$4,379,987	$812,242	$26,303

Unum Group Employees Short-Term Disability Plan Trust