AMERICAN UNITED LIFE INS CO WELFARE BENEFITS PLAN FOR HOME OFFICE EMPLOYEES (EIN 261187254) - 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

2008

Legal Domicile

Principal Officer

STEPHEN PEARSON

Phone

3172855001

Tax Period

2023-01-01 to 2023-12-31

AMERICAN UNITED LIFE INS CO WELFARE BENEFITS PLAN FOR HOME OFFICE EMPLOYEES, founded in 2008, is a mid-sized nonprofit in the Mutual Benefit sector that reported $38.0M in total revenue in fiscal year 2023. Revenue grew 12% year-over-year, indicating healthy expansion.

Mission

PROVIDE COVERED LIFE, SICKNESS, ACCIDENT AND WELFARE RELATED BENEFITS TO ELIGIBLE PARTICIPANTS OF THE AMERICAN UNITED LIFE INSURANCE COMPANY WELFARE BENEFITS PLAN FOR HOME OFFICE 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 $37,965,951

Investment Income $0

Other Revenue $0

TOTAL REVENUE $37,965,951

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Other Expenses $2,725,239

TOTAL EXPENSES $37,187,995

Year-over-Year Comparison

	2023	2022	Change
Revenue	$37,965,951	$33,855,086	+0.1%
Expenses	$37,187,995	$35,399,159	+0.1%
Net Income	$777,956	$-1,544,073	-1.5%

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

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
ANDREW MICHIE	TRUSTEE	0.0	Director	$0	$0	$0
CHRIS POHL	TRUSTEE	0.0	Director	$0	$0	$0
KARIN W SARRATT	TRUSTEE (END 3/23)	0.0	Director	$0	$0	$0
CAROLYN ESTRADA	TRUSTEE (BEGAN 3/23)	0.0	Director	$0	$0	$0
STEPHEN PEARSON	TRUSTEE (BEGAN 3/23)	1.0	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	$37,965,951	$37,187,995	$6,510,810	$777,956
2022	$33,855,086	$35,399,159	$5,888,589	$-1,544,073
2021	$27,962,029	$31,160,399	$8,410,756	$-3,198,370
2020	$25,935,725	$23,918,024	$7,753,208	$2,017,701

AMERICAN UNITED LIFE INS CO WELFARE BENEFITS PLAN FOR HOME OFFICE EMPLOYEES