PENNSYLVANIA FEDERATION OF TEACHERS PRIVATE SECTOR HEALTH AND WELFARE FUND TRUST (EIN 232138805) - 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

1979

Legal Domicile

Principal Officer

WENDY COLEMAN

Phone

2155612722

Tax Period

2024-06-01 to 2025-05-31

PENNSYLVANIA FEDERATION OF TEACHERS PRIVATE SECTOR HEALTH AND WELFARE FUND TRUST, founded in 1979, is a micro nonprofit that reported $13K in total revenue in fiscal year 2024. Revenue fell 41% from the prior year — a significant decline worth monitoring. Expenses of $30K exceeded revenue, resulting in a 131% operating deficit.

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 $12,813

Investment Income $78

Other Revenue $0

TOTAL REVENUE $12,891

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Other Expenses $22,677

TOTAL EXPENSES $29,834

Year-over-Year Comparison

	2024	2023	Change
Revenue	$12,891	$21,842	-0.4%
Expenses	$29,834	$27,284	+0.1%
Net Income	$-16,943	$-5,442	+2.1%

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	Role	Reportable Comp	Other Comp	Total
ARTHUR G STEINBERG	CHIEF TRUSTEE	Director	$0	$0	$0
LESHAWNA COLEMAN	TRUSTEE	Director	$0	$0	$0
LAYLA HELWA	TRUSTEE	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	$12,891	$29,834	$1,062	$-16,943
2024	$21,842	$27,284	$18,877	$-5,442
2023	$23,483	$20,010	$23,919	$3,473
2022	$224,419	$228,920	$20,665	$-4,501
2021	$348,361	$298,485	$35,766	$49,876
2020	$362,442	$314,500	$58,666	$47,942
2019	$399,490	$347,377	$126,378	$52,113
2018	$389,190	$360,302	$88,758	$28,888

PENNSYLVANIA FEDERATION OF TEACHERS PRIVATE SECTOR HEALTH AND WELFARE FUND TRUST