BRISTOL TOWNSHIP TEACHERS HEALTH & WELFARE FUND (EIN 232402406) - 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

1982

Legal Domicile

Principal Officer

Beverly Gaimari

Phone

2159433200

Tax Period

2024-09-01 to 2025-08-31

BRISTOL TOWNSHIP TEACHERS HEALTH & WELFARE FUND, founded in 1982, is a small nonprofit that reported $294K in total revenue in fiscal year 2024. Revenue surged 54% from the prior year, signaling strong growth momentum. Expenses of $282K left a modest 4% surplus.

Mission

Provide medical and dental benefits to retired teachers

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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 $279,415

Program Service Revenue $0

Investment Income $14,593

Other Revenue $0

TOTAL REVENUE $294,008

Expense Breakdown

Grants Paid $0

Salaries & Benefits $4,200

Fundraising Expenses $0

Program Expenses $281,747

Other Expenses $1,308

TOTAL EXPENSES $281,747

Year-over-Year Comparison

	2024	2023	Change
Revenue	$294,008	$191,295	+0.5%
Expenses	$281,747	$200,096	+0.4%
Net Income	$12,261	$-8,801	-2.4%

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

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

$4,200

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
Beverly Gaimari	Treasurer	25	Director	$2,100	$0	$2,100
Sharon Bittle	Secretary	25	Director	$2,100	$0	$2,100
Joann Schmidt	Trustee	0	Director	$0	$0	$0
Christa Parlacoski	Trustee	0	Director	$0	$0	$0
Kellie Buchanan	Trustee	0	Director	$0	$0	$0
Sue DeRosier	Trustee	0	Director	$0	$0	$0
Linda Weaver	Chairperson	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	$294,008	$281,747	$490,425	$12,261
2023	$132,336	$201,374	$486,965	$-69,038
2022	$156,587	$216,602	$556,003	$-60,015
2021	$205,505	$211,679	$616,018	$-6,174
2020	$192,277	$143,843	$622,192	$48,434

BRISTOL TOWNSHIP TEACHERS HEALTH & WELFARE FUND