COMMUNICARE HEALTH BENEFIT TRUST (EIN 208925180) - 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

2007

Legal Domicile

Principal Officer

CHARLES STOLTZ

Phone

5135301613

Tax Period

2021-01-01 to 2021-12-31

COMMUNICARE HEALTH BENEFIT TRUST, founded in 2007, is a mid-sized nonprofit that reported $35.7M in total revenue in fiscal year 2021. Revenue grew 9% year-over-year, indicating healthy expansion. The organization ran a surplus of $5.9M, a strong 17% operating margin.

Mission

THE SOLE AND EXCLUSIVE PURPOSE OF THIS TRUST IS TO PROVIDE FOR THE PAYMENT OF LIFE, SICK, ACCIDENT AND/OR OTHER BENEFITS AS DESCRIBED IN CODE SECTION 501(C)(9) TO PLAN PARTICIPANTS, THEIR DEPENDENTS AND/OR BENEFICIARIES. NO EMPLOYEE PENSION BENEFITS WILL BE FUNDED THROUGH THIS TRUST.

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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 (2021)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $35,711,088

Investment Income $0

Other Revenue $0

TOTAL REVENUE $35,711,088

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Other Expenses $5,457,701

TOTAL EXPENSES $29,805,136

Year-over-Year Comparison

	2021	2020	Change
Revenue	$35,711,088	$32,872,945	+0.1%
Expenses	$29,805,136	$31,169,696	0.0%
Net Income	$5,905,952	$1,703,249	+2.5%

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
RONALD WILHEIM	TRUSTEE	10.00	Director	$0	$0	$0
CHARLES STOLTZ	TRUSTEE	10.00	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
2021	$35,711,088	$29,805,136	$10,741,756	$5,905,952
2020	$32,872,945	$31,169,696	$4,501,274	$1,703,249
2019	$27,269,214	$27,598,383	$2,864,174	$-329,169
2018	$26,187,603	$23,895,977	$3,179,329	$2,291,626

COMMUNICARE HEALTH BENEFIT TRUST