THE ERM GROUP HEALTH & WELFARE TRUST

EIN: 236794224

MALVERN, PA

Total Revenue
$29,217,705
Total Expenses
$28,439,740
Total Assets
N/A
Net Assets
N/A
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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
1984
Legal Domicile
PA
Principal Officer
JOHN STIPA
Phone
4849130300
Tax Period
2019-01-01 to 2019-12-31

THE ERM GROUP HEALTH & WELFARE TRUST, founded in 1984, is a mid-sized nonprofit that reported $29.2M in total revenue in fiscal year 2019. Revenue surged 151% from the prior year, signaling strong growth momentum.

Mission

TO PROVIDE MEDICAL AND DENTAL BENEFITS FOR EMPLOYEES MAINTAINED THROUGH A TRUST.

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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%)

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Financial Overview (2019)

Revenue Breakdown

Contributions & Grants $0
Program Service Revenue $29,198,274
Investment Income $19,431
Other Revenue $0
TOTAL REVENUE $29,217,705

Expense Breakdown

Grants Paid $0
Salaries & Benefits $0
Fundraising Expenses $0
Other Expenses $6,871,596
TOTAL EXPENSES $28,439,740

Year-over-Year Comparison

2019 2018 Change
Revenue $29,217,705 $11,643,011 +1.5%
Expenses $28,439,740 $11,954,058 +1.4%
Net Income $777,965 $-311,047 -3.5%
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

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Governance

Voting Members
1
Independent Members
N/A
Employees
3218
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
1
$0
Total Directors
0
$0
Key Employees
0
$0
Highest Compensated
0
reported
Name Title Hours/Week Role Reportable Comp Other Comp Total
JOHN STIPA Treasurer 1.00
Officer
$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
2019 $29,217,705 $28,439,740 No data $777,965
2018 $24,194,475 $24,868,941 $2,180,797 $-674,466
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