LTF BENEFITS TRUST FUND

EIN: 206007671 Mutual Benefit

ORCHARD PARK, NY

Total Revenue
$206,842
Total Expenses
$164,374
Total Assets
$277,139
Net Assets
$277,139
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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
2003
Legal Domicile
NY
Principal Officer
HEATHER KWIATKOWSKI
Phone
7168636510
Tax Period
2025-01-01 to 2025-12-31

LTF BENEFITS TRUST FUND, founded in 2003, is a small nonprofit in the Mutual Benefit sector that reported $207K in total revenue in fiscal year 2025. The organization ran a surplus of $42K, a strong 21% operating margin.

Mission

PROVIDE DENTAL COVERAGE FOR MEMBERS AND THEIR FAMILIES

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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%)

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Financial Overview (2025)

Revenue Breakdown

Contributions & Grants $206,541
Program Service Revenue $0
Investment Income $301
Other Revenue $0
TOTAL REVENUE $206,842

Expense Breakdown

Grants Paid $0
Salaries & Benefits $5,000
Fundraising Expenses $0
Program Expenses $159,374
Other Expenses $0
TOTAL EXPENSES $164,374

Year-over-Year Comparison

2025 2024 Change
Revenue $206,842 $195,808 +0.1%
Expenses $164,374 $172,955 0.0%
Net Income $42,468 $22,853 +0.9%
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

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Governance

Voting Members
5
Independent Members
N/A
Employees
N/A
Volunteers
5

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
4
$0
Total Directors
1
$5,000
Key Employees
0
$0
Highest Compensated
0
reported
Name Title Hours/Week Role Reportable Comp Other Comp Total
KIM PULINSKI TRUST VICE PRESIDENT 5.00
Officer
$0 $0 $0
HEATHER KWIATKOWSKO TRUST SECRETARY 5.00
Officer
$0 $0 $0
MIKE POPEK TRUST PRESIDENT 5.00
Officer
$0 $0 $0
KERRI MILLER TRUSTEE 5.00
Officer
$0 $0 $0
LOUISE KROLIKOWSKI ADMINISTRATOR 5.00
Director
$5,000 $0 $5,000
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 $206,842 $164,374 $277,139 $42,468
2020 $146,639 $141,553 $194,235 $5,086
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