The Arc Jefferson-St Lawrence Employees Health and Welfare Plan (EIN 276963966) - 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

2020

Legal Domicile

Principal Officer

Hand Benefit and Trust Co

Phone

3157882730

Tax Period

2022-01-01 to 2022-12-31

The Arc Jefferson-St Lawrence Employees Health and Welfare Plan, founded in 2020, is a micro nonprofit in the Mutual Benefit sector that reported $695 in total revenue in fiscal year 2022. Revenue surged 115% from the prior year, signaling strong growth momentum. Expenses of $44K exceeded revenue, resulting in a 6237% operating deficit.

Mission

A voluntary employees' beneficiary association (VEBA) to fund reimbursement of eligible medical expenses under a health reimbursement arrangement.

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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 (2022)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $0

Investment Income $695

Other Revenue $0

TOTAL REVENUE $695

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $5,453

Other Expenses $38,587

TOTAL EXPENSES $44,040

Year-over-Year Comparison

	2022	2021	Change
Revenue	$695	$323	+1.2%
Expenses	$44,040	$20,612	+1.1%
Net Income	$-43,345	$-20,289	+1.1%

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
Hand Benefit Trust Co	Trustee	1.0		$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
2022	$695	$44,040	$178,347	$-43,345
2021	$323	$20,612	$217,646	$-20,289
2020	$-28,253	$25,616	$231,907	$-53,869
2019	$935,925	$978,318	$570,717	$-42,393
2018	$942,875	$930,655	$744,117	$12,220

The Arc Jefferson-St Lawrence Employees Health and Welfare Plan