GLATFELTER INSURANCE GROUP EMPLOYEE HEALTH AND WELFARE TRUST (EIN 222597438) - 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

1990

Legal Domicile

Principal Officer

SUZANNE MCCONKEY

Phone

7177410911

Tax Period

2023-01-01 to 2023-12-31

GLATFELTER INSURANCE GROUP EMPLOYEE HEALTH AND WELFARE TRUST, founded in 1990, is a mid-sized nonprofit that reported $11.8M in total revenue in fiscal year 2023. Revenue surged 49% from the prior year, signaling strong growth momentum.

Mission

PROVIDE WELFARE BENEFIT PLAN.

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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 $11,602,318

Investment Income $7,740

Other Revenue $156,450

TOTAL REVENUE $11,766,508

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Other Expenses $812,037

TOTAL EXPENSES $11,614,564

Year-over-Year Comparison

	2023	2022	Change
Revenue	$11,766,508	$7,907,520	+0.5%
Expenses	$11,614,564	$8,674,450	+0.3%
Net Income	$151,944	$-766,930	-1.2%

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

N/A

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	PLAN ADMINISTRATOR	5.00		$0	$0	$0
N/A	TRUSTEE	5.00		$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
2024	No data	No data	No data	No data
2023	$11,766,508	$11,614,564	$368,547	$151,944
2022	$7,907,520	$8,674,450	$216,603	$-766,930
2021	$8,005,607	$7,697,185	$983,533	$308,422
2020	$8,710,862	$7,995,272	$683,795	$715,590
2019	$8,358,028	$8,501,545	$160,129	$-143,517
2018	$7,978,597	$8,219,930	$190,545	$-241,333

GLATFELTER INSURANCE GROUP EMPLOYEE HEALTH AND WELFARE TRUST