US ARMY NONAPPROPIATED FUND RETIREE MED DENTAL PLAN TRUST INCOM 6 9 (EIN 204486466) - 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

Marc Jannsen

Phone

2108639763

Tax Period

2025-01-01 to 2025-12-31

US ARMY NONAPPROPIATED FUND RETIREE MED DENTAL PLAN TRUST INCOM 6 9, founded in 2005, is a major nonprofit in the Mutual Benefit sector that reported $241.0M in total revenue in fiscal year 2025. Revenue surged 505% from the prior year, signaling strong growth momentum. The organization ran a surplus of $225.4M, a strong 94% operating margin.

Mission

Provide post retirement medical dental insurance

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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 $26,321,495

Investment Income $214,711,311

Other Revenue $0

TOTAL REVENUE $241,032,806

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $15,656,720

Other Expenses $2,810,565

TOTAL EXPENSES $15,656,720

Year-over-Year Comparison

	2025	2024	Change
Revenue	$241,032,806	$39,821,814	+5.1%
Expenses	$15,656,720	$13,605,300	+0.2%
Net Income	$225,376,086	$26,216,514	+7.6%

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
Marc Jannsen	Trust Chairman	3	Director	$0	$0	$0
Jennifer Rohler	Trsutee	0.5	Director	$0	$0	$0
Julia Allen	Trustee	0.5	Director	$0	$0	$0
Tim Mitchell	Trustee	0.5	Director	$0	$0	$0
Renee Keys	Trustee	0.5		$0	$0	$0
Nicole Gross	Chief, NAF Benefits Services	0.5	Officer	$0	$0	$0
Joshua Gwinn	Director, DFMWR	0.25	Officer	$0	$0	$0
LTG James M Smith	Commanding General, IMCOM	0.25	Officer	$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	$241,032,806	$15,656,720	$928,356,839	$225,376,086

US ARMY NONAPPROPIATED FUND RETIREE MED DENTAL PLAN TRUST INCOM 6 9