PENNSYLVANIA FEDERATION OF TEACHERS' PUBLIC SECTOR EMPLOYEES HEALTH AND WELFARE TRUST FUN (EIN 232138545) - 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

1978

Legal Domicile

Principal Officer

WENDY COLEMAN

Tax Period

2024-06-01 to 2025-05-31

PENNSYLVANIA FEDERATION OF TEACHERS' PUBLIC SECTOR EMPLOYEES HEALTH AND WELFARE TRUST FUN, founded in 1978, is a small nonprofit that reported $172K in total revenue in fiscal year 2024. Net assets of $1.6M represent 110 months of operating reserves.

Mission

TO ADMINISTER THE PAYMENT OF HEALTH CARE BENEFITS FOR EMPLOYEES AND THEIR FAMILIES AND OTHER MEMBERS.

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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 $161,613

Investment Income $10,332

Other Revenue $0

TOTAL REVENUE $171,945

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Other Expenses $31,328

TOTAL EXPENSES $179,947

Year-over-Year Comparison

	2024	2023	Change
Revenue	$171,945	$173,517	0.0%
Expenses	$179,947	$186,389	0.0%
Net Income	$-8,002	$-12,872	-0.4%

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

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
ART STEINBERG	TRUSTEE	0.0	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	$171,945	$179,947	$1,587,114	$-8,002
2024	$173,517	$186,389	$1,594,071	$-12,872
2023	$163,834	$155,616	$1,603,626	$8,218
2022	$162,300	$153,060	$1,592,614	$9,240
2021	$162,533	$146,233	$1,598,736	$16,300
2020	$164,547	$142,155	$1,590,615	$22,392
2019	$166,887	$167,212	$1,560,859	$-325
2018	$164,980	$169,276	$1,548,862	$-4,296

PENNSYLVANIA FEDERATION OF TEACHERS' PUBLIC SECTOR EMPLOYEES HEALTH AND WELFARE TRUST FUN