NORTHWESTERN REGION EMPLOYEE BENEFIT TRUST (EIN 251699509) - 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

1993

Legal Domicile

Principal Officer

DAVID NIEMIRA

Phone

8144533633

Tax Period

2023-07-01 to 2024-06-30

NORTHWESTERN REGION EMPLOYEE BENEFIT TRUST, founded in 1993, is a mid-sized nonprofit that reported $70.1M in total revenue in fiscal year 2023.

Mission

TO PROVIDE HEALTH, DENTAL, VISION, AND WELLNESS BENEFITS TO MEMBER EMPLOYEES.

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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 $69,739,947

Investment Income $349,834

Other Revenue $0

TOTAL REVENUE $70,089,781

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $69,145,732

Other Expenses $8,500,748

TOTAL EXPENSES $70,776,342

Year-over-Year Comparison

	2023	2022	Change
Revenue	$70,089,781	$71,943,308	0.0%
Expenses	$70,776,342	$67,846,580	+0.0%
Net Income	$-686,561	$4,096,728	-1.2%

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

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
PAT ADAMS	TRUSTEE	N/A	Director	$0	$0	$0
DON ARNER	TRUSTEE	N/A	Director	$0	$0	$0
JASON BEARY	TRUSTEE	N/A	Director	$0	$0	$0
RITA BELLIS	TRUSTEE	N/A	Director	$0	$0	$0
VICKI BENDIG	TRUSTEE	N/A	Director	$0	$0	$0
LOUANN BOLTZ	TRUSTEE	N/A	Director	$0	$0	$0
MIKE BRENNEMAN	TRUSTEE	N/A	Director	$0	$0	$0
RYAN BREZINSKI	TRUSTEE	N/A	Director	$0	$0	$0
JOHN BROWN	TRUSTEE	N/A	Director	$0	$0	$0
LORI CARNEY	TRUSTEE	N/A	Director	$0	$0	$0
PAM CARSON	TRUSTEE	N/A	Director	$0	$0	$0
BRENDA CLABBATZ	TRUSTEE	N/A	Director	$0	$0	$0
SALLY DAEHNKE	TRUSTEE	N/A	Director	$0	$0	$0
RUSS DAUBERMAN	TRUSTEE	N/A	Director	$0	$0	$0
KRISTEN DEETS	TRUSTEE	N/A	Director	$0	$0	$0
KARL DOLAK	TRUSTEE	N/A	Director	$0	$0	$0
GREGORY DORE	TRUSTEE	N/A	Director	$0	$0	$0
CATHERINE DOTY	TRUSTEE	N/A	Director	$0	$0	$0
JACKIE DUTCHCOT	TRUSTEE	N/A	Director	$0	$0	$0
KIMBERLY EATON	TRUSTEE	N/A	Director	$0	$0	$0
KRISTEN ECKART	TRUSTEE	N/A	Director	$0	$0	$0
MARY ECKART	TRUSTEE	N/A	Director	$0	$0	$0
ROBIN EVANS	TRUSTEE	N/A	Director	$0	$0	$0
RANDY FEDEI	TRUSTEE	N/A	Director	$0	$0	$0
JERRY FENNER	TRUSTEE	N/A	Director	$0	$0	$0
SUSAN FISHER	TRUSTEE	N/A	Director	$0	$0	$0
DEVIN FORGEY	TRUSTEE	N/A	Director	$0	$0	$0
JEFFREY FOX	TRUSTEE	N/A	Director	$0	$0	$0
CAROLYN FUNKHOUSER	TRUSTEE	N/A	Director	$0	$0	$0
JESSICA GARNICA	TRUSTEE	N/A	Director	$0	$0	$0
RAINA GEORGE	TRUSTEE	N/A	Director	$0	$0	$0
MATT GREENE	TRUSTEE	N/A	Director	$0	$0	$0
JACOB HAGMAIER	TRUSTEE	N/A	Director	$0	$0	$0
STEVIE HARRY	TRUSTEE	N/A	Director	$0	$0	$0
TRACEY HART	TRUSTEE	N/A	Director	$0	$0	$0
KELLY HESS	TRUSTEE	N/A	Director	$0	$0	$0
MIKE HILLMAN-HUBER	TRUSTEE	N/A	Director	$0	$0	$0
LAURIE HITT	TRUSTEE	N/A	Director	$0	$0	$0
GEORGE JOSEPH	TRUSTEE	N/A	Director	$0	$0	$0
CINDY KING	TRUSTEE	N/A	Director	$0	$0	$0
DAVID KOMA	TRUSTEE	N/A	Director	$0	$0	$0
CHRISTINE KRANKOTA	TRUSTEE	N/A	Director	$0	$0	$0
PAUL KRASINSKI	TRUSTEE	N/A	Director	$0	$0	$0
TIMOTHY LAVAN	TRUSTEE	N/A	Director	$0	$0	$0
KIERSTEN LAWRENCE	TRUSTEE	N/A	Director	$0	$0	$0
JEFF LEWIS	TRUSTEE	N/A	Director	$0	$0	$0
ALLEN LOMBARDOZZI	TRUSTEE	N/A	Director	$0	$0	$0
KOLBY MARTIN	TRUSTEE	N/A	Director	$0	$0	$0
JOE MCFADDEN	TRUSTEE	N/A	Director	$0	$0	$0
SHANNON MCLALLEN	TRUSTEE	N/A	Director	$0	$0	$0
MATTHEW MIKOVICH	TRUSTEE	N/A	Director	$0	$0	$0
TRACY MOORE	TRUSTEE	N/A	Director	$0	$0	$0
STEPHANIE MORVAY	TRUSTEE	N/A	Director	$0	$0	$0
MICHAEL MOULTON	TRUSTEE	N/A	Director	$0	$0	$0
ROB MYERS	TRUSTEE	N/A	Director	$0	$0	$0
DAVID NIEMIRA	PRESIDENT	N/A	Officer Director	$0	$0	$0
JAMIE OLLINGER	TRUSTEE	N/A	Director	$0	$0	$0
STEVE PETRUNGARO	SECRETARY	N/A	Officer Director	$0	$0	$0
ANN POOLE	TRUSTEE	N/A	Director	$0	$0	$0
DON QUINDARDO	TRUSTEE	N/A	Director	$0	$0	$0
HARLEY RAMSEY	TRUSTEE	N/A	Director	$0	$0	$0
KAREN RENICK	TRUSTEE	N/A	Director	$0	$0	$0
JENNIFER RITTER	TRUSTEE	N/A	Director	$0	$0	$0
KRISTEN SCHLOSSER	VICE PRESIDE	N/A	Officer Director	$0	$0	$0
MEGAN SIMMONSEN	TRUSTEE	N/A	Director	$0	$0	$0
DONNELL SMILEY	TRUSTEE	N/A	Director	$0	$0	$0
KIMBERLY SMITH	TRUSTEE	N/A	Director	$0	$0	$0
JARRIN SPERRY	TRUSTEE	N/A	Director	$0	$0	$0
KEVIN SPRONG	TRUSTEE	N/A	Director	$0	$0	$0
STACY SPRONG	TRUSTEE	N/A	Director	$0	$0	$0
JT STEWART	TRUSTEE	N/A	Director	$0	$0	$0
STEPHANIE STEWART	TRUSTEE	N/A	Director	$0	$0	$0
DAN SUSCHECK	TRUSTEE	N/A	Director	$0	$0	$0
TARA SWIDORSKY	TRUSTEE	N/A	Director	$0	$0	$0
JENNIFER TAMBURLIN	TRUSTEE	N/A	Director	$0	$0	$0
MICHELLE TEFFT	TRUSTEE	N/A	Director	$0	$0	$0
EUGENE THOMAS	TRUSTEE	N/A	Director	$0	$0	$0
VALERIE TOPLOVICH	TREASURER	N/A	Director	$0	$0	$0
PAUL VANDUSEN	TRUSTEE	N/A	Director	$0	$0	$0
BERNADETTE WALTERS	TRUSTEE	N/A	Director	$0	$0	$0
FRED WEAVER	TRUSTEE	N/A	Director	$0	$0	$0
LYNDA WELLER	TRUSTEE	N/A	Director	$0	$0	$0
BRAD WHITMAN	TRUSTEE	N/A	Director	$0	$0	$0
GINGER WILLIAMS	TRUSTEE	N/A	Director	$0	$0	$0
TRAVIS WOODBURN	TRUSTEE	N/A	Director	$0	$0	$0
STEPHANIE ZILHAVER	TRUSTEE	N/A	Director	$0	$0	$0
JUSTIN ZONA	TRUSTEE	N/A	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	$70,089,781	$70,776,342	$17,709,444	$-686,561
2023	$71,943,308	$67,846,580	$15,432,419	$4,096,728
2022	$60,475,328	$66,471,062	$11,366,460	$-5,995,734
2021	$63,223,264	$70,106,033	$17,910,540	$-6,882,769
2020	$61,132,176	$59,223,479	$26,505,864	$1,908,697
2019	$45,549,430	$49,642,656	$22,611,097	$-4,093,226
2018	$46,057,509	$44,100,304	$24,010,855	$1,957,205

NORTHWESTERN REGION EMPLOYEE BENEFIT TRUST