NONPROFIT EMPLOYEE BENEFITS TRUST C/O COMMUNITY ACCESS UNLIMITED (EIN 223640294) - 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

BERNADETTE GRISWOLD

Phone

9083543040

Tax Period

2023-01-01 to 2023-12-31

NONPROFIT EMPLOYEE BENEFITS TRUST C/O COMMUNITY ACCESS UNLIMITED, founded in 1990, is a mid-sized nonprofit in the Mutual Benefit sector that reported $10.5M in total revenue in fiscal year 2023. Revenue fell 31% from the prior year — a significant decline worth monitoring. Expenses of $13.3M exceeded revenue, resulting in a 27% operating deficit.

Mission

TO PROVIDE HEALTH AND DEATH BENEFITS COVERING SUBSTANTIALLY ALL ACTIVE EMPLOYEES OF COMMUNITY ACCESS UNLIMITED, INC.

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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 $10,207,361

Investment Income $310,013

Other Revenue $0

TOTAL REVENUE $10,517,374

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $13,319,227

Other Expenses $437,137

TOTAL EXPENSES $13,319,227

Year-over-Year Comparison

	2023	2022	Change
Revenue	$10,517,374	$15,191,722	-0.3%
Expenses	$13,319,227	$12,066,436	+0.1%
Net Income	$-2,801,853	$3,125,286	-1.9%

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

$955,662

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
BERNADETTE GRISWOLD	EXECUTIVE DIRECTOR	0.5	Officer	$0	$44,358	$583,894
MILDRED AURIGEMMA	ASSOC EXEC. DIR-FIN(THRU 7/23)	2.0	Officer	$0	$15,255	$340,257
SIDNEY BLANCHARD	FORMER EXECUTIVE DIRECTOR	0.0		$0	$0	$266,708
DEVIN CHAPMAN	CFO as of 10/23	2.0	Officer	$0	$2,665	$31,511
BANK OF AMERICA	TRUSTEE	0.05		$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	$10,517,374	$13,319,227	$10,062,049	$-2,801,853
2022	$15,191,722	$12,066,436	$9,913,307	$3,125,286
2021	$10,571,276	$10,306,688	$6,870,137	$264,588
2020	$9,925,838	$9,018,411	$6,487,702	$907,427
2019	$8,534,581	$8,792,076	$5,724,792	$-257,495
2018	$7,965,313	$8,218,661	$4,357,182	$-253,348

NONPROFIT EMPLOYEE BENEFITS TRUST C/O COMMUNITY ACCESS UNLIMITED