BRICKLAYERS AND ALLIED CRAFTWORKERS LOCAL NO 3 HEALTH AND WELFARE PLAN (EIN 237034407) - 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

1957

Legal Domicile

Principal Officer

GARY PEIFER

Phone

9252089999

Tax Period

2024-07-01 to 2025-06-30

BRICKLAYERS AND ALLIED CRAFTWORKERS LOCAL NO 3 HEALTH AND WELFARE PLAN, founded in 1957, is a mid-sized nonprofit that reported $12.0M in total revenue in fiscal year 2024. Expenses of $13.8M exceeded revenue, resulting in a 15% operating deficit.

Mission

PROVIDES HEALTH, DENTAL, AND VISION BENEFITS TO EMPLOYEES AND THEIR DEPENDENTS OF CONTRACTORS SIGNATORY TO THE B.A.C.

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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 $11,458,015

Investment Income $526,005

Other Revenue $0

TOTAL REVENUE $11,984,020

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Other Expenses $810,365

TOTAL EXPENSES $13,800,917

Year-over-Year Comparison

	2024	2023	Change
Revenue	$11,984,020	$11,508,980	+0.0%
Expenses	$13,800,917	$12,259,795	+0.1%
Net Income	$-1,816,897	$-750,815	+1.4%

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

N/A

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
GARY PFEIFER	CHAIRMAN	0.1	Director	$0	$0	$0
TROY GARLAND	TRUSTEE	0.1	Director	$0	$0	$0
STEVE KANTONIEMI	TRUSTEE, FORMER	0.1	Director	$0	$0	$0
RYAN RUF	TRUSTEE	0.1	Director	$0	$0	$0
LENNY PAREDES	TRUSTEE	0.1	Director	$0	$0	$0
COLIN JOHNSON	TRUSTEE	0.1	Director	$0	$0	$0
ROBERT FILIPPI	SECRETARY	0.1	Director	$0	$0	$0
RONALD BENNETT	TRUSTEE	0.1	Director	$0	$0	$0
DAVID FILIPPI	TRUSTEE	0.1	Director	$0	$0	$0
JOSH ESTRELLA	TRUSTEE	0.1	Director	$0	$0	$0
RICH DELLA MAGGIORE	TRUSTEE	0.1	Director	$0	$0	$0
ED LOURENCO	TRUSTEE	0.1	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	$11,984,020	$13,800,917	$14,355,187	$-1,816,897
2024	$11,508,980	$12,259,795	$15,804,751	$-750,815
2023	$10,632,225	$12,621,984	$16,017,813	$-1,989,759
2022	$10,417,789	$9,685,690	$16,891,935	$732,099
2021	$11,059,830	$11,723,917	$17,912,159	$-664,087
2020	$11,451,877	$13,138,816	$17,842,827	$-1,686,939
2019	$11,688,828	$10,738,128	$18,918,919	$950,700
2018	$11,688,333	$12,071,802	$19,688,061	$-383,469

BRICKLAYERS AND ALLIED CRAFTWORKERS LOCAL NO 3 HEALTH AND WELFARE PLAN