SCHUYLKILL COUNTY EMPLOYEES HEALTH & WELFARE TRUST (EIN 232102342) - 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

1988

Legal Domicile

Principal Officer

SCOTT JACOBY

Phone

5705449131

Tax Period

2024-07-01 to 2025-06-30

SCHUYLKILL COUNTY EMPLOYEES HEALTH & WELFARE TRUST, founded in 1988, is a mid-sized nonprofit that reported $25.7M in total revenue in fiscal year 2024. Revenue grew 20% year-over-year, indicating healthy expansion.

Mission

PROVIDED HEALTH CARE BENEFITS TO MEMBER PUBLIC SCHOOL DISTRICTS THROUGH MEMBER CONTRIBUTIONS AND THE PURCHAE OF STOP-LOSS INSURANCE COVERAGE.

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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 $25,502,993

Investment Income $208,872

Other Revenue $0

TOTAL REVENUE $25,711,865

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $26,714,073

Other Expenses $4,368,129

TOTAL EXPENSES $26,736,644

Year-over-Year Comparison

	2024	2023	Change
Revenue	$25,711,865	$21,428,142	+0.2%
Expenses	$26,736,644	$22,441,470	+0.2%
Net Income	$-1,024,779	$-1,013,328	+0.0%

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
KRISTINA FRANTZ	MANAGER	4.00	Director	$0	$0	$0
SCOTT JACOBY	PRESIDENT	0.50	Officer Director	$0	$0	$0
ALLISON VANCE	TREASURER	0.50	Officer Director	$0	$0	$0
MICHELLE VESAY	VICE PRESIDE	0.50	Officer Director	$0	$0	$0
JAMIE ZIMEROFSKY	SECRETARY	0.50	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	$25,711,865	$26,736,644	$6,946,694	$-1,024,779
2024	No data	No data	No data	No data
2023	$18,947,167	$20,808,320	$8,765,901	$-1,861,153
2022	$17,897,147	$16,743,683	$10,311,243	$1,153,464
2021	$17,892,200	$16,437,867	$7,716,882	$1,454,333

SCHUYLKILL COUNTY EMPLOYEES HEALTH & WELFARE TRUST