CENTRAL PENNSYLVANIA SCHOOL EMPLOYEE BENEFIT TRUST (EIN 251510672) - 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

1985

Legal Domicile

Principal Officer

KENNETH BEAN

Phone

8143554814

Tax Period

2023-07-01 to 2024-06-30

CENTRAL PENNSYLVANIA SCHOOL EMPLOYEE BENEFIT TRUST, founded in 1985, is a community nonprofit that reported $9.1M in total revenue in fiscal year 2023. Revenue surged 23% from the prior year, signaling strong growth momentum. Expenses of $10.1M exceeded revenue, resulting in a 10% operating deficit.

Mission

TO PROVIDE HOSPITALIZATION, MEDICAL, DENTAL, VISION, AND PRESCRIPTION DRUG BENEFITS TO EMPLOYEES AND THEIR DEPENDENTS OF MEMBER SCHOOL DISTRICTS.

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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 $500,000

Program Service Revenue $8,351,009

Investment Income $283,882

Other Revenue $0

TOTAL REVENUE $9,134,891

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Other Expenses $146,496

TOTAL EXPENSES $10,060,689

Year-over-Year Comparison

	2023	2022	Change
Revenue	$9,134,891	$7,420,331	+0.2%
Expenses	$10,060,689	$8,079,655	+0.2%
Net Income	$-925,798	$-659,324	+0.4%

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

Employees

N/A

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

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
TAMMIE BURNAFORD	PRESIDENT/SUPERINTENDENT	1.00	Officer Director	$0	$0	$0
KENNETH BEAN JR	TREASURER/TRUST MANAGER	1.00	Officer Director	$0	$0	$0
LESLIE ELDER	SECRETARY	1.00	Officer Director	$0	$0	$0
DR JENNIFER BROWN	TRUSTEE	1.00	Director	$0	$0	$0
EDWARD FITZGERALD	TRUSTEE	1.00	Director	$0	$0	$0
TIM KESSLING	TRUSTEE	1.00	Director	$0	$0	$0
JON GUIZAR	TRUSTEE	1.00	Director	$0	$0	$0
TRACY LONG	TRUSTEE	1.00	Director	$0	$0	$0
MELISSA YARNELL	TRUSTEE	1.00	Director	$0	$0	$0
JAY ZIMMERMAN	TRUSTEE	1.00	Director	$0	$0	$0
ANDREA ROYER	TRUSTEE	1.00	Director	$0	$0	$0
DR MARIE PERINI	TRUSTEE (UNTIL 12/5/23))	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	No data	No data	No data	No data
2024	$9,134,891	$10,060,689	$6,247,457	$-925,798
2023	$7,420,331	$8,079,655	$7,248,752	$-659,324
2022	$6,984,249	$7,585,937	$7,410,494	$-601,688
2021	$5,990,025	$5,982,208	$8,012,182	$7,817
2020	$5,967,105	$5,333,421	$8,004,365	$633,684
2019	$6,252,062	$6,128,131	$7,370,681	$123,931
2018	$6,456,332	$5,009,307	$7,246,750	$1,447,025

CENTRAL PENNSYLVANIA SCHOOL EMPLOYEE BENEFIT TRUST