BENEFITS DATA TRUST (EIN 203455598) - 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

WENDY STARNER

Phone

2152079100

Tax Period

2023-01-01 to 2023-12-31

BENEFITS DATA TRUST, founded in 2005, is a mid-sized nonprofit in the Education sector that reported $28.5M in total revenue in fiscal year 2023. Revenue fell 38% from the prior year — a significant decline worth monitoring. Expenses of $37.2M exceeded revenue, resulting in a 30% operating deficit.

Mission

COMMITTED TO TRANSFORMING HOW INDIVIDUALS IN NEED ACCESS ESSENTIAL BENEFITS.

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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 $15,067,912

Program Service Revenue $12,811,239

Investment Income $494,812

Other Revenue $170,011

TOTAL REVENUE $28,543,974

Expense Breakdown

Grants Paid $0

Salaries & Benefits $28,211,898

Fundraising Expenses $2,042,156

Program Expenses $26,369,492

Other Expenses $8,991,852

TOTAL EXPENSES $37,203,750

Year-over-Year Comparison

	2023	2022	Change
Revenue	$28,543,974	$45,979,280	-0.4%
Expenses	$37,203,750	$34,811,961	+0.1%
Net Income	$-8,659,776	$11,167,319	-1.8%

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

374

Volunteers

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

$344,869

Key Employees

$1,797,198

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
WARREN KANTOR	CHAIRMAN	1.00	Officer Director	$0	$0	$0
THOMAS SHAFFERT	TREASURER	1.00	Officer Director	$0	$0	$0
JEFFREY BAKER	DIRECTOR	1.00	Director	$0	$0	$0
MARGARET BRADLEY	SECRETARY	1.00	Officer Director	$0	$0	$0
VIKKI WACHINO	DIRECTOR	1.00	Director	$0	$0	$0
ZIA KHAN	DIRECTOR	1.00	Director	$0	$0	$0
JULIUS GREEN	DIRECTOR	1.00	Director	$0	$0	$0
RICH GREENAWALT	DIRECTOR	1.00	Director	$0	$0	$0
LISA MORRISON BUTLER	DIRECTOR	1.00	Director	$0	$0	$0
GWEN MUSE-EVANS	DIRECTOR	1.00	Director	$0	$0	$0
TROOPER SANDERS	CHIEF EXECUTIVE OFFICER	45.00	Director	$325,115	$19,754	$344,869
PAULINE ABERNATHY	CHIEF STRATEGY OFFICER	45.00	Key Emp	$278,688	$18,662	$297,350
ERIKA BLUMENTHAL	CHIEF OPERATING OFFICER	45.00	Key Emp	$252,476	$18,547	$271,023
WENDY STARNER	CHIEF FINANCIAL OFFICER	45.00	Key Emp	$233,720	$15,043	$248,763
STEPHEN ROCKWELL	CHIEF DIGITAL OFFICER	45.00	Key Emp	$233,086	$9,323	$242,409
SANG LEE	CHIEF OF STAFF	45.00	Key Emp	$222,759	$16,625	$239,384
ALYSSA WAGNER	CHIEF PEOPLE OFFICER	45.00	Key Emp	$220,352	$15,563	$235,915
SANDRA ELISA ZYGMUNT	DEPUTY CHIEF FOR INNOVATION & PRODUCT	45.00	Key Emp	$235,804	$26,550	$262,354
MARTA MIGUEL	DIRECTOR OF DATA ANALYTICS	37.50	Highest	$190,665	$7,857	$198,522
SEAN DONOVAN	SENIOR DIRECTOR OF INFORMATION SYSTEMS	37.50	Highest	$183,338	$14,083	$197,421
JULIETTE HYE-YOUNG CHO	SENIOR DIRECTOR OF PHILANTHROPY	37.50	Highest	$213,950	$15,307	$229,257
LAURA MARAKOWSKI	SENIOR DIRECTOR OF CLIENT SERVICE & SUPPORT	37.50	Highest	$170,354	$6,814	$177,168
PAUL TRENT HUNTSBERGER	ENTERPRISE ARCHITECT	37.50	Highest	$167,952	$6,718	$174,670

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	$28,543,974	$37,203,750	$32,856,270	$-8,659,776
2022	$45,979,280	$34,811,961	$43,423,474	$11,167,319
2021	$28,284,384	$28,263,040	$30,702,141	$21,344
2020	$26,526,932	$21,487,003	$35,254,049	$5,039,929
2019	$25,330,812	$15,378,591	$23,152,965	$9,952,221
2018	$17,369,620	$13,780,851	$11,475,981	$3,588,769

BENEFITS DATA TRUST