AMERICAN UNITED LIFE INS CO WELFARE BENEFITS PLAN FOR POST-65 EMERITUS AGENTS (EIN 261923546) - 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 POST-65 EMERITUS AGENTS, founded in 2008, is a small nonprofit in the Mutual Benefit sector that reported $164K in total revenue in fiscal year 2023. Revenue decreased 8% compared to the prior year. Expenses of $282K exceeded revenue, resulting in a 73% operating deficit.

Mission

ORGANIZATION'S MISSION: PROVIDE COVERED LIFE, HEALTH AND WELFARE RELATED BENEFITS TO ELIGIBLE PARTICIPANTS OF THE AMERICAN UNITED LIFE INSURANCE COMPANY WELFARE BENEFITS PLAN FOR POST-65 EMERITUS AGENTS.

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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 $163,508

Investment Income $0

Other Revenue $0

TOTAL REVENUE $163,508

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Other Expenses $96,685

TOTAL EXPENSES $282,399

Year-over-Year Comparison

	2023	2022	Change
Revenue	$163,508	$177,435	-0.1%
Expenses	$282,399	$296,040	0.0%
Net Income	$-118,891	$-118,605	+0.0%

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
KARIN W SARRATT	TRUSTEE (END 3/23)	1.0	Director	$0	$0	$0
CHRIS POHL	TRUSTEE	0.0	Director	$0	$0	$0
ANDREW MICHIE	TRUSTEE	0.0	Director	$0	$0	$0
CAROLYN ESTRADA	TRUSTEE (BEGAN 3/23)	1.0	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	$163,508	$282,399	$71,893	$-118,891
2022	$177,435	$296,040	$187,184	$-118,605
2021	$201,790	$328,629	$305,789	$-126,839
2020	$224,957	$365,389	$432,628	$-140,432

AMERICAN UNITED LIFE INS CO WELFARE BENEFITS PLAN FOR POST-65 EMERITUS AGENTS