Merck Medical Dental Life Insurance and Long Term Disability Trust (EIN 222361740) - 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

1980

Legal Domicile

Phone

7325944000

Tax Period

2024-01-01 to 2024-06-06

Merck Medical Dental Life Insurance and Long Term Disability Trust, founded in 1980, is a community nonprofit that reported $1.8M in total revenue in fiscal year 2024. Revenue fell 56% from the prior year — a significant decline worth monitoring. Expenses of $2.0M exceeded revenue, resulting in a 13% operating deficit.

Mission

The Trust funded certain medical, dental, life insurance and LTD benefits for certain eligible employees and their eligible dependents. Effective June 6, 2024, the Merck MDLI aand LTD Trust was terminated.

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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 $1,751,383

Investment Income $6,750

Other Revenue $0

TOTAL REVENUE $1,758,133

Expense Breakdown

Grants Paid $0

Salaries & Benefits $8,879

Fundraising Expenses $0

Other Expenses $130,694

TOTAL EXPENSES $1,982,105

Year-over-Year Comparison

	2024	2023	Change
Revenue	$1,758,133	$4,002,723	-0.6%
Expenses	$1,982,105	$3,973,867	-0.5%
Net Income	$-223,972	$28,856	-8.8%

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
N/A	Trustee	005.00		$8,879	$0	$8,879

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	$1,758,133	$1,982,105	No data	$-223,972
2023	$4,002,723	$3,973,867	$223,972	$28,856
2022	$4,078,591	$12,293,506	$195,116	$-8,214,915
2021	$4,590,383	$13,589,177	$8,410,031	$-8,998,794
2020	$113,495,960	$124,729,077	$17,408,825	$-11,233,117
2019	$374,821,887	$654,728,210	$28,641,942	$-279,906,323
2018	$453,380,658	$795,935,237	$307,079,336	$-342,554,579

Merck Medical Dental Life Insurance and Long Term Disability Trust