UFCW NATIONAL HEALTH AND WELFARE FUND (EIN 221458594) - 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

1947

Legal Domicile

Principal Officer

MILTON JONES

Phone

2015698801

Tax Period

2023-10-01 to 2024-09-30

UFCW NATIONAL HEALTH AND WELFARE FUND, founded in 1947, is a major nonprofit that reported $153.4M in total revenue in fiscal year 2023. Expenses of $139.2M left a modest 9% surplus.

Mission

THE PLAN PROVIDES HOSPITAL, MAJOR MEDICAL, SURGICAL, DISABILITY, PRESCRIPTION DRUG, DENTAL, DEATH AND VISION BENEFITS TO ELIGIBLE PARTICIPANTS AND THEIR DEPENDENTS. ALL HEALTH, DISABILITY, PRESCRIPTION DRUG, DENTAL, VISION, AND DEATH BENEFITS ARE SELF-FUNDED.

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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 $0

Program Service Revenue $147,539,434

Investment Income $5,894,289

Other Revenue $0

TOTAL REVENUE $153,433,723

Expense Breakdown

Grants Paid $0

Salaries & Benefits $3,626,184

Fundraising Expenses $0

Other Expenses $2,774,121

TOTAL EXPENSES $139,238,857

Year-over-Year Comparison

	2023	2022	Change
Revenue	$153,433,723	$151,016,283	+0.0%
Expenses	$139,238,857	$127,536,482	+0.1%
Net Income	$14,194,866	$23,479,801	-0.4%

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

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

$130,418

Key Employees

$381,885

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
BOB BLAIR	TRUSTEE	2.00	Director	$0	$0	$0
FRANK J RUNEY	TRUSTEE	2.00	Director	$0	$0	$130,418
GEORGE J ORLANDO	TRUSTEE-CHAIRMAN (P)	5.00	Director	$0	$0	$0
GERALDINE SENACK	TRUSTEE	2.00	Director	$0	$0	$0
JAMES BLAU	TRUSTEE	2.00	Director	$0	$0	$0
JOHN PEPE	TRUSTEE	2.00	Director	$0	$0	$0
MICHELLE LEWIS	TRUSTEE	2.00	Director	$0	$0	$0
REBECCA REED	TRUSTEE	2.00	Director	$0	$0	$0
MILTON JONES	TRUSTEE-CHAIRMAN	5.00	Director	$0	$0	$0
GLENN DIBIASI	FUND ADMINISTRATOR	40.00	Key Emp	$295,811	$86,074	$381,885
BRENDA GARMA	ASSOCIATE EXECUTIVE DIRECT	40.00	Highest	$125,289	$49,175	$174,464

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	$153,433,723	$139,238,857	$170,703,935	$14,194,866
2023	$151,016,283	$127,536,482	$141,621,766	$23,479,801
2022	$151,117,819	$147,572,464	$113,084,722	$3,545,355
2021	$156,252,527	$151,125,055	$122,447,009	$5,127,472
2020	$147,231,157	$142,275,851	$108,924,045	$4,955,306
2019	$142,945,849	$142,142,618	$99,221,531	$803,231
2018	$124,455,609	$125,624,447	$95,055,948	$-1,168,838

UFCW NATIONAL HEALTH AND WELFARE FUND