UNITED FOOD AND COMMERCIAL WORKERS AND EMPLOYERS ARIZONA HEALTH & WELFARE TRUST (EIN 237244353) - 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

1968

Legal Domicile

Principal Officer

JAMES MCLAUGHLIN

Phone

6023240545

Tax Period

2023-01-01 to 2023-12-31

UNITED FOOD AND COMMERCIAL WORKERS AND EMPLOYERS ARIZONA HEALTH & WELFARE TRUST, founded in 1968, is a major nonprofit that reported $172.5M in total revenue in fiscal year 2023. Revenue decreased 14% compared to the prior year. Expenses of $157.4M left a modest 9% surplus.

Mission

THE UNITED FOOD AND COMMERCIAL WORKERS AND EMPLOYERS ARIZONA HEALTH AND WELFARE TRUST IS A MULTIEMPLOYER WELFARE BENEFIT PLAN PROVIDING MEDICAL-HOSPITAL, DENTAL, PRESCRIPTION, VISION, DISABILITY, DEATH AND ACCIDENTAL DEATH AND DISMEMBERMENT BENEFITS TO PARTICIPANTS.

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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 $164,999,037

Investment Income $7,471,769

Other Revenue $25,511

TOTAL REVENUE $172,496,317

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Other Expenses $15,592,613

TOTAL EXPENSES $157,382,462

Year-over-Year Comparison

	2023	2022	Change
Revenue	$172,496,317	$199,517,838	-0.1%
Expenses	$157,382,462	$155,906,263	+0.0%
Net Income	$15,113,855	$43,611,575	-0.7%

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

$883,479

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
JAMES MCLAUGHLIN	UNION TRUSTEE	0.5	Director	$0	$12,344	$323,223
AUTUMN MITCHELL	UNION TRUSTEE	0.0	Director	$0	$12,344	$222,695
MARTIN HERNANDEZ	UNION TRUSTEE	0.0	Director	$0	$11,144	$179,091
KAITLYN PIAZZA	UNION TRUSTEE	0.0	Director	$0	$12,344	$158,470
JACQUELINE JONES	EMPLOYER TRUSTEE	2.0	Director	$0	$0	$0
IAN ADAMS	EMPLOYER TRUSTEE	2.0	Director	$0	$0	$0
LEROY WESTMORELAND	EMPLOYER TRUSTEE	2.0	Director	$0	$0	$0
ANDY LUKES	EMPLOYER TRUSTEE	2.0	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
2024	No data	No data	No data	No data
2023	$172,496,317	$157,382,462	$208,190,496	$15,113,855
2022	$199,517,838	$155,906,263	$183,210,848	$43,611,575
2021	$114,391,174	$162,839,528	$142,595,036	$-48,448,354
2020	$214,292,498	$159,136,162	$193,114,410	$55,156,336
2019	$197,372,087	$156,723,154	$139,601,376	$40,648,933
2018	$190,692,893	$159,948,975	$97,360,031	$30,743,918

UNITED FOOD AND COMMERCIAL WORKERS AND EMPLOYERS ARIZONA HEALTH & WELFARE TRUST