PINE HEALTH BENEFIT TRUST (EIN 222999730) - 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

1989

Legal Domicile

Principal Officer

CHRISTINE HAGOPIAN

Phone

5088044100

Tax Period

2025-01-01 to 2025-12-31

PINE HEALTH BENEFIT TRUST, founded in 1989, is a small nonprofit that reported $158K in total revenue in fiscal year 2025.

Mission

TO PROVIDE GROUP HEALTH, DENTAL, LIFE AND ACCIDENTAL DEATH AND DISMEMBERMENT COVERAGE FOR EMPLOYEES OF EMPLOYER MEMBERS ENGAGED IN THE GRAPHIC ARTS INDUSTRY OF NEW ENGLAND.

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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 (2025)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $157,527

Investment Income $188

Other Revenue $0

TOTAL REVENUE $157,715

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $166,670

Other Expenses $29,088

TOTAL EXPENSES $166,670

Year-over-Year Comparison

	2025	2024	Change
Revenue	$157,715	$163,200	0.0%
Expenses	$166,670	$169,068	0.0%
Net Income	$-8,955	$-5,868	+0.5%

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

$120,843

Total Directors

$120,843

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
CHRISTINE HAGOPIAN	TRUSTEE/SECRETARY	2.00	Officer Director	$0	$15,843	$120,843
KEVIN RILEY	CHAIRMAN	0.00	Officer Director	$0	$0	$0
CARRIE GROVE	VICE CHAIRMAN	0.00	Officer Director	$0	$0	$0
VINNY PIAZZA	VICE CHAIRMAN	0.00	Officer Director	$0	$0	$0
JAY PALLIS	TRUSTEE/DIRECTOR	0.00	Officer 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	$157,715	$166,670	$57,393	$-8,955
2024	$163,200	$169,068	$67,309	$-5,868
2023	$174,992	$179,777	$71,416	$-4,785
2022	$213,605	$218,175	$74,591	$-4,570
2021	$232,881	$234,918	$87,341	$-2,037
2020	$234,153	$236,203	$79,934	$-2,050
2019	$265,898	$269,507	$92,732	$-3,609
2018	$266,935	$269,719	$91,568	$-2,784

PINE HEALTH BENEFIT TRUST