WTIA Employee Benefit Trust (EIN 202563188) - 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

2000

Legal Domicile

Principal Officer

Randa Minkarah

Phone

4257717359

Tax Period

2023-01-01 to 2023-12-31

WTIA Employee Benefit Trust, founded in 2000, is a mid-sized nonprofit in the Mutual Benefit sector that reported $67.9M in total revenue in fiscal year 2023. Revenue decreased 18% compared to the prior year.

Mission

To provide qualified health and welfare benefits through group insurance arrangements.

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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 $67,805,142

Investment Income $51,130

Other Revenue $42,118

TOTAL REVENUE $67,898,390

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Other Expenses $9,406,048

TOTAL EXPENSES $67,815,687

Year-over-Year Comparison

	2023	2022	Change
Revenue	$67,898,390	$82,713,613	-0.2%
Expenses	$67,815,687	$82,933,095	-0.2%
Net Income	$82,703	$-219,482	-1.4%

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

$478,160

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
Shannon Jurdana	Board Chair, until 2/13/2023	2.00	Officer Director	$0	$0	$0
Michael Schutzler	Trustee	5.00	Director	$0	$34,867	$478,160
John Cofano	Trustee	2.00	Director	$0	$0	$0
Todd Enos	Trustee	2.00	Director	$0	$0	$0
Randa Minkarah	Board Chair, starting 2/13/2023	2.00	Officer 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	No data	No data	No data	No data
2023	$67,898,390	$67,815,687	$2,484,414	$82,703
2022	$82,713,613	$82,933,095	$3,429,144	$-219,482
2021	$81,165,857	$81,027,552	$4,181,005	$138,305
2020	$74,068,869	$73,930,320	$4,261,135	$138,549
2019	$65,452,621	$65,471,660	$3,866,228	$-19,039
2018	$54,796,974	$54,789,520	$4,062,278	$7,454

WTIA Employee Benefit Trust