AMERITAS HOLDING CO RETIREE MEDICAL VOLUNTARY EMPLOYEE BENEFICIARY ASSOC (EIN 311407446) - 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

MICHELE WU

Phone

4024677730

Tax Period

2024-01-01 to 2024-12-31

AMERITAS HOLDING CO RETIREE MEDICAL VOLUNTARY EMPLOYEE BENEFICIARY ASSOC, founded in 1993, is a community nonprofit that reported $1.9M in total revenue in fiscal year 2024. Revenue grew 19% year-over-year, indicating healthy expansion. Net assets of $8.2M represent 52 months of operating reserves.

Mission

PROVIDE MEDICAL INSURANCE BENEFITS TO ELIGIBLE 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 (2024)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $468,639

Investment Income $1,434,826

Other Revenue $866

TOTAL REVENUE $1,904,331

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Other Expenses $423,976

TOTAL EXPENSES $1,851,703

Year-over-Year Comparison

	2024	2023	Change
Revenue	$1,904,331	$1,601,875	+0.2%
Expenses	$1,851,703	$1,251,581	+0.5%
Net Income	$52,628	$350,294	-0.8%

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

$2,920,787

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
MICHELE WU	TRUSTEE	1.00	Director	$0	$103,123	$893,741
GERALD HERBERT	TRUSTEE	1.00	Director	$0	$68,548	$496,157
KELLY HALVERSON	TRUSTEE	1.00	Director	$0	$67,186	$430,420
LINDA WHITMIRE	TRUSTEE	1.00	Director	$0	$62,037	$674,223
JENNIFER WOOSTER	TRUSTEE	1.00	Director	$0	$57,533	$426,246

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	$1,904,331	$1,851,703	$8,227,392	$52,628
2023	$1,601,875	$1,251,581	$8,174,764	$350,294
2022	$855,352	$1,139,703	$7,824,470	$-284,351
2021	$1,726,808	$1,248,256	$8,108,821	$478,552
2020	$1,164,723	$1,039,898	$7,630,269	$124,825

AMERITAS HOLDING CO RETIREE MEDICAL VOLUNTARY EMPLOYEE BENEFICIARY ASSOC