MASSACHUSETTS ST LOTTERY COMM-SEIU LOCAL 888 HEALTH & WELFARE FUND (EIN 202815766) - 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

1985

Legal Domicile

Principal Officer

JOHN KALLMERTEN

Phone

6172413367

Tax Period

2025-01-01 to 2025-12-31

MASSACHUSETTS ST LOTTERY COMM-SEIU LOCAL 888 HEALTH & WELFARE FUND, founded in 1985, is a small nonprofit that reported $620K in total revenue in fiscal year 2025. Expenses of $549K left a modest 11% surplus.

Mission

PAYMENT OF DENTAL & VISION BENEFITS ON BEHALF OF PARTICIPANTS AND THEIR BENEFICIARIES.

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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 (2025)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $585,801

Investment Income $33,821

Other Revenue $0

TOTAL REVENUE $619,622

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $549,184

Other Expenses $77,933

TOTAL EXPENSES $549,184

Year-over-Year Comparison

	2025	2024	Change
Revenue	$619,622	$592,738	+0.0%
Expenses	$549,184	$560,553	0.0%
Net Income	$70,438	$32,185	+1.2%

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
DIDIER BERTOLA	TRUSTEE	1.00	Director	$0	$0	$0
JOHN KALLMERTEN	TRUSTEE	1.00	Director	$0	$0	$0
JOHN MAGNER	TRUSTEE	1.00	Director	$0	$0	$0
PAUL MCCONVILLE	TRUSTEE	1.00	Director	$0	$0	$0
CHRISTINE MOUNTAIN	TRUSTEE	1.00	Director	$0	$0	$0
GREGORY POLIN	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	$619,622	$549,184	$1,002,803	$70,438
2024	$592,738	$560,553	$932,365	$32,185
2023	$456,905	$407,931	$900,180	$48,974
2022	$448,296	$401,838	$851,206	$46,458
2021	$456,000	$457,363	$804,748	$-1,363
2020	$465,419	$303,674	$806,111	$161,745
2019	$472,709	$371,378	$644,366	$101,331
2018	$498,220	$400,098	$543,035	$98,122

MASSACHUSETTS ST LOTTERY COMM-SEIU LOCAL 888 HEALTH & WELFARE FUND