ESCONDIDO EDUCATORS RETIREMENT SUPPLEMENTARY BENEFITS TRUST (EIN 206264555) - 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

DOUGLAS MOSS

Phone

6196833990

Tax Period

2024-07-01 to 2025-06-30

ESCONDIDO EDUCATORS RETIREMENT SUPPLEMENTARY BENEFITS TRUST, founded in 2005, is a community nonprofit in the Mutual Benefit sector that reported $2.2M in total revenue in fiscal year 2024. Revenue surged 29% from the prior year, signaling strong growth momentum. The organization ran a surplus of $898K, a strong 42% operating margin.

Mission

THE PRIMARY PURPOSE OF THE ESCONDIDO EDUCATORS RETIREMENT SUPPLEMENTARY BENEFITS TRUST IS TO SUPPLEMENT HEALTH INSURANCE PREMIUMS FOR RETIRED EMPLOYEES

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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 (2024)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $1,421,104

Investment Income $740,096

Other Revenue $0

TOTAL REVENUE $2,161,200

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $1,180,525

Other Expenses $83,008

TOTAL EXPENSES $1,263,533

Year-over-Year Comparison

	2024	2023	Change
Revenue	$2,161,200	$1,675,006	+0.3%
Expenses	$1,263,533	$1,112,454	+0.1%
Net Income	$897,667	$562,552	+0.6%

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

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
DOUGLAS MOSS	TRUSTEE	2	Director	$0	$0	$0
TRISH STEPANEK	TRUSTEE	2	Director	$0	$0	$0
JOE GELORMINI	TRUSTEE	2	Director	$0	$0	$0
ALLISONTALBOTT	TRUSTEE	2	Director	$0	$0	$0
STACY BEGIN	TRUSTEE	2	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	$2,161,200	$1,263,533	$12,249,258	$897,667
2024	$1,675,006	$1,112,454	$11,020,629	$562,552
2023	$1,579,953	$1,117,716	$9,947,672	$462,237
2022	$1,616,936	$1,141,236	$9,163,785	$475,700
2021	$1,422,771	$1,116,127	$10,379,353	$306,644
2020	$1,576,061	$1,094,807	$8,680,942	$481,254
2019	$1,522,088	$992,562	$8,273,917	$529,526

ESCONDIDO EDUCATORS RETIREMENT SUPPLEMENTARY BENEFITS TRUST