Plumbers & Pipefitters Local 520 Health & Welfare Fund (EIN 236280075) - 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

1958

Legal Domicile

Principal Officer

Frank Kelly James Estabrook

Phone

2488139800

Tax Period

2024-05-01 to 2025-04-30

Plumbers & Pipefitters Local 520 Health & Welfare Fund, founded in 1958, is a mid-sized nonprofit that reported $28.7M in total revenue in fiscal year 2024. Revenue grew 8% year-over-year, indicating healthy expansion. The organization ran a surplus of $4.5M, a strong 16% operating margin.

Mission

Provide health and other benefits to eligible participants in the construction industry in central Pennsylvania covered by collective bargaining agreements.

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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 $25,890,006

Investment Income $2,739,915

Other Revenue $65,365

TOTAL REVENUE $28,695,286

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Other Expenses $526,786

TOTAL EXPENSES $24,209,078

Year-over-Year Comparison

	2024	2023	Change
Revenue	$28,695,286	$26,521,331	+0.1%
Expenses	$24,209,078	$23,164,867	+0.0%
Net Income	$4,486,208	$3,356,464	+0.3%

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
James Estabrook	Management Trustee	1.00	Director	$0	$0	$0
Christopher Edenbo	Union Trustee	1.00	Director	$0	$0	$0
James Enders	Union Trustee	1.00	Director	$0	$0	$0
Josh Clark	Union 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
2025	$28,695,286	$24,209,078	$31,445,340	$4,486,208
2024	$26,521,331	$23,164,867	$27,789,457	$3,356,464
2023	$23,299,631	$22,246,568	$23,938,945	$1,053,063
2022	$25,169,868	$23,150,794	$22,911,632	$2,019,074
2021	$23,538,629	$18,315,597	No data	$5,223,032
2020	$20,926,895	$24,921,850	$17,098,203	$-3,994,955
2019	$21,410,905	$23,342,968	$22,892,768	$-1,932,063
2018	$29,575,068	$27,829,345	$23,636,967	$1,745,723
2017	$21,971,238	$22,021,358	$22,094,949	$-50,120

Plumbers & Pipefitters Local 520 Health & Welfare Fund