PTC ALLIANCE UNION RETIREE HEALTH BENEFITS TRUST (EIN 273742357) - 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

2011

Legal Domicile

Principal Officer

CARY BURNELL

Phone

4122012242

Tax Period

2024-01-01 to 2024-12-31

PTC ALLIANCE UNION RETIREE HEALTH BENEFITS TRUST, founded in 2011, is a micro nonprofit in the Mutual Benefit sector that reported $2K in total revenue in fiscal year 2024. Revenue fell 93% from the prior year — a significant decline worth monitoring. Expenses of $298K exceeded revenue, resulting in a 15664% operating deficit.

Mission

TO PROVIDE RETIREE HEALTH AND OTHER WELFARE BENEFITS TO PARTICIPANTS AND THEIR DEPENDENTS IN ACCORDANCE WITH THE PLAN.

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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 (2024)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $32,944

Investment Income $-31,053

Other Revenue $0

TOTAL REVENUE $1,891

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Other Expenses $35,832

TOTAL EXPENSES $298,090

Year-over-Year Comparison

	2024	2023	Change
Revenue	$1,891	$26,133	-0.9%
Expenses	$298,090	$382,924	-0.2%
Net Income	$-296,199	$-356,791	-0.2%

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
VINCENT FERA	TRUSTEE	1.00	Director	$0	$0	$0
WILLIAM WALL	TRUSTEE	1.00	Director	$0	$0	$0
CARY BURNELL	TRUSTEE	1.00	Director	$0	$0	$0
STEVE BOGLE	TRUSTEE	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
2024	$1,891	$298,090	$879,196	$-296,199
2023	$26,133	$382,924	$1,107,236	$-356,791
2022	$136,256	$636,898	$1,393,485	$-500,642
2021	$211,502	$580,059	$2,131,839	$-368,557
2020	$244,172	$548,604	$2,562,023	$-304,432
2019	$275,805	$550,789	$2,859,673	$-274,984
2018	$309,572	$572,965	$3,031,221	$-263,393

PTC ALLIANCE UNION RETIREE HEALTH BENEFITS TRUST