THE PROCTER & GAMBLE RETIREE BENEFIT TRUST (EIN 311383353) - 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

1993

Legal Domicile

Principal Officer

KEVIN WHITHAM

Phone

5139837777

Tax Period

2023-07-01 to 2024-06-30

THE PROCTER & GAMBLE RETIREE BENEFIT TRUST, founded in 1993, is a major nonprofit that reported $153.3M in total revenue in fiscal year 2023. Revenue decreased 18% compared to the prior year. Expenses of $173.6M exceeded revenue, resulting in a 13% operating deficit.

Mission

TO PROVIDE RETIREE MEDICAL BENEFITS FOR THE U.S. PROCTER & GAMBLE COMPANY RETIRED 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 $151,610,058

Investment Income $1,682,365

Other Revenue $0

TOTAL REVENUE $153,292,423

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $173,603,024

Other Expenses $4,229,234

TOTAL EXPENSES $173,603,024

Year-over-Year Comparison

	2023	2022	Change
Revenue	$153,292,423	$186,236,483	-0.2%
Expenses	$173,603,024	$172,022,451	+0.0%
Net Income	$-20,310,601	$14,214,032	-2.4%

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
KEVIN WHITHAM	INVESTMENT COMMITTEE MEMBE	0.10	Director	$0	$0	$0
MATT JANZAURK	INVESTMENT COMMITTEE MEMBE	0.10	Director	$0	$0	$0
LAURIE ALAGHA	INVESTMENT COMMITTEE MEMBE	0.10	Director	$0	$0	$0
N/A	TRUSTEE	0.10		$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
2025	No data	No data	No data	No data
2024	$153,292,423	$173,603,024	$12,290,768	$-20,310,601
2023	$186,236,483	$172,022,451	$33,542,119	$14,214,032
2022	$181,903,633	$190,264,543	$18,467,431	$-8,360,910
2021	$187,884,661	$184,708,692	$27,143,478	$3,175,969
2020	$191,480,131	$183,021,331	$24,073,670	$8,458,800
2019	$187,075,022	$181,105,252	$15,652,049	$5,969,770
2018	$180,438,560	$180,810,200	$9,844,633	$-371,640

THE PROCTER & GAMBLE RETIREE BENEFIT TRUST