INSULATORS LOCAL 84 HEALTH CARE PLAN (EIN 300224279) - 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

2005

Legal Domicile

Phone

3302700453

Tax Period

2019-06-01 to 2020-05-31

INSULATORS LOCAL 84 HEALTH CARE PLAN, founded in 2005, is a small nonprofit that reported $234K in total revenue in fiscal year 2019. Revenue fell 89% from the prior year — a significant decline worth monitoring. The organization ran a surplus of $64K, a strong 27% operating margin.

Mission

HEALTH COVERAGE FOR MEMBERS

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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 (2019)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $229,271

Investment Income $4,829

Other Revenue $0

TOTAL REVENUE $234,100

Expense Breakdown

Grants Paid $0

Salaries & Benefits $3,261

Fundraising Expenses $0

Other Expenses $54,425

TOTAL EXPENSES $170,486

Year-over-Year Comparison

	2019	2018	Change
Revenue	$234,100	$2,098,215	-0.9%
Expenses	$170,486	$1,219,602	-0.9%
Net Income	$63,614	$878,613	-0.9%

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

N/A

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
RICHARD QUINTRELL	TRUSTEE	1.00	Director	$0	$0	$0
TODD MILLER	TRUSTEE	1.00	Director	$0	$0	$0
JASON PENIX	TRUSTEE	1.00	Director	$0	$0	$0
MARTY HARRINGTON	TRUSTEE	1.00	Director	$0	$0	$0
KEVIN REILLY	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
2020	$234,100	$170,486	No data	$63,614
2019	$2,098,215	$1,219,602	$2,509,792	$878,613
2018	$2,939,766	$1,137,010	$2,002,812	$1,802,756

INSULATORS LOCAL 84 HEALTH CARE PLAN