PHILADELPHIA JOINT BOARD WELFARE FUND (EIN 231457997) - 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

1950

Legal Domicile

Principal Officer

ANNE MARIE ZAREN

Phone

2157519770

Tax Period

2024-01-01 to 2024-12-31

PHILADELPHIA JOINT BOARD WELFARE FUND, founded in 1950, is a small nonprofit that reported $212K in total revenue in fiscal year 2024. Revenue surged 43% from the prior year, signaling strong growth momentum. The organization ran a surplus of $44K, a strong 21% operating margin.

Mission

THE PLAN PROVIDES REIMBURSEMENT FOR VISION AND DENTAL SERVICES, AND SCHOLARSHIPS FOR HIGHER EDUCATION TO FORMER REUBEN BLOCK HEALTH FUND MEMBERS. THE PLAN ALSO PROVIDES CERTAIN LEGAL SERVICES TO ELIGIBLE MEMBERS OF THE PHILADELPHIA JOINT BOARD, WORKERS UNITED.

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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 $34,836

Investment Income $177,645

Other Revenue $0

TOTAL REVENUE $212,481

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Other Expenses $93,450

TOTAL EXPENSES $168,520

Year-over-Year Comparison

	2024	2023	Change
Revenue	$212,481	$148,127	+0.4%
Expenses	$168,520	$129,863	+0.3%
Net Income	$43,961	$18,264	+1.4%

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

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

$201,532

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
LYNNE P FOX	UNION TRUSTEE	1.00	Director	$0	$8,149	$9,149
GINA WILSON	UNION TRUSTEE	1.00	Director	$0	$18,417	$83,467
ANTHONY D'ALESSANDRO	EMPLOYER TRUSTEE	1.00	Director	$0	$0	$0
RICHARD MINTER	UNION TRUSTEE	1.00	Director	$0	$634	$1,134
ANNE MARIE ZAREN	UNION TRUSTEE	1.00	Director	$0	$23,007	$107,782
MARK HILDEBRANDT	EMPLOYER TRUSTEE	1.00	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
2024	$212,481	$168,520	$2,926,841	$43,961
2023	$148,127	$129,863	$2,655,853	$18,264
2022	$21,806	$146,494	$2,257,055	$-124,688
2021	$138,530	$123,651	$2,985,383	$14,879
2020	$-152,523	$109,248	$2,638,740	$-261,771
2019	$145,926	$132,977	$2,448,925	$12,949
2018	$113,575	$138,859	$2,077,865	$-25,284

PHILADELPHIA JOINT BOARD WELFARE FUND