STEWART EMPLOYEE BENEFIT TRUST (EIN 232149974) - 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

1980

Legal Domicile

Principal Officer

JEREMY LYNCH

Phone

7178549581

Tax Period

2024-01-01 to 2024-12-31

STEWART EMPLOYEE BENEFIT TRUST, founded in 1980, is a mid-sized nonprofit that reported $12.3M in total revenue in fiscal year 2024. Revenue fell 29% from the prior year — a significant decline worth monitoring.

Mission

PROVIDE EMPLOYEE HEALTH BENEFITS

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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 $12,298,477

Investment Income $0

Other Revenue $0

TOTAL REVENUE $12,298,477

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Other Expenses $178,653

TOTAL EXPENSES $12,909,344

Year-over-Year Comparison

	2024	2023	Change
Revenue	$12,298,477	$17,234,438	-0.3%
Expenses	$12,909,344	$17,064,228	-0.2%
Net Income	$-610,867	$170,210	-4.6%

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

N/A

Employees

N/A

Volunteers

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
JEREMY LYNCH	TRUSTEE	1.00	Director	$0	$0	$0
DAVID J STEWART	TRUSTEE	1.00	Director	$0	$0	$0
GARY A STEWART JR	TRUSTEE	1.00	Director	$0	$0	$0
GARY M GILBERT II	TRUSTEE	1.00	Director	$0	$0	$0
JOSEPH P CLARK II	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	$12,298,477	$12,909,344	$1,692,270	$-610,867
2023	$17,234,438	$17,064,228	$2,876,108	$170,210
2022	$18,423,264	$17,018,862	$2,132,621	$1,404,402
2021	$17,071,502	$16,882,014	$728,219	$189,488
2020	$16,440,032	$16,018,628	$1,588,731	$421,404
2019	$12,858,735	$13,613,377	$117,327	$-754,642
2018	$12,326,303	$12,408,045	$872,131	$-81,742

STEWART EMPLOYEE BENEFIT TRUST