GMP-EMPLOYERS RETIREE TRUST (EIN 236411794) - 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

1965

Legal Domicile

Principal Officer

JODI L HOPPER

Phone

2399366242

Tax Period

2023-01-01 to 2023-12-31

GMP-EMPLOYERS RETIREE TRUST, founded in 1965, is a mid-sized nonprofit that reported $43.8M in total revenue in fiscal year 2023. Revenue surged 346% from the prior year, signaling strong growth momentum. The organization ran a surplus of $12.6M, a strong 29% operating margin.

Mission

HOLD FUNDS TO PROVIDE BENEFITS TO 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 (2023)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $17,672,439

Investment Income $25,467,620

Other Revenue $647,113

TOTAL REVENUE $43,787,172

Expense Breakdown

Grants Paid $0

Salaries & Benefits $781,654

Fundraising Expenses $0

Program Expenses $25,060,287

Other Expenses $5,360,188

TOTAL EXPENSES $31,202,129

Year-over-Year Comparison

	2023	2022	Change
Revenue	$43,787,172	$9,825,333	+3.5%
Expenses	$31,202,129	$30,779,467	+0.0%
Net Income	$12,585,043	$-20,954,134	-1.6%

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

Employees

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

$137,644

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
MR CLAUDE BEAUDIN	CHAIRMAN, TRUSTEE	3.00	Director	$0	$0	$0
MR THOMAS GALLAGHER	TRUSTEE	3.00	Director	$0	$0	$0
MR BENNETT SALLEMI	TRUSTEE	3.00	Director	$0	$0	$0
MR GARY MORGAN	TRUSTEE	3.00	Director	$0	$0	$0
MS WENDY LARRISON	TRUSTEE	3.00	Director	$0	$0	$0
MR JAIME NAVARRO	TRUSTEE	3.00	Director	$0	$0	$0
MS JODI HOPPER	EXECUTIVE DIRECTOR	65.00	Officer	$137,644	$0	$137,644

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	No data	No data	No data	No data
2023	$43,787,172	$31,202,129	$545,681,576	$12,585,043
2022	$9,825,333	$30,779,467	$532,292,322	$-20,954,134
2021	$59,519,883	$33,227,543	$580,904,885	$26,292,340
2020	$35,899,452	$33,025,068	$495,659,060	$2,874,384
2019	$44,425,743	$38,648,801	$448,755,492	$5,776,942
2018	$39,985,737	$36,158,747	$381,155,222	$3,826,990

GMP-EMPLOYERS RETIREE TRUST