AMERITAS HOLDING CO RETIREE LIFE VOLUNTARY EMPLOYEE BENEFICIARY ASSOC (EIN 311407448) - 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

SUSAN K WILKINSON

Phone

4024677730

Tax Period

2023-01-01 to 2023-12-31

AMERITAS HOLDING CO RETIREE LIFE VOLUNTARY EMPLOYEE BENEFICIARY ASSOC, founded in 1993, is a small nonprofit that reported $117K in total revenue in fiscal year 2023. Revenue surged 79% from the prior year, signaling strong growth momentum. Expenses of $174K exceeded revenue, resulting in a 49% operating deficit.

Mission

PROVIDE TERM LIFE INSURANCE COVERAGE 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 (2023)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $0

Investment Income $104,080

Other Revenue $13,226

TOTAL REVENUE $117,306

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Other Expenses $23,140

TOTAL EXPENSES $174,280

Year-over-Year Comparison

	2023	2022	Change
Revenue	$117,306	$65,501	+0.8%
Expenses	$174,280	$282,714	-0.4%
Net Income	$-56,974	$-217,213	-0.7%

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

$2,801,408

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
SUSAN WILKINSON	TRUSTEE	1.00	Director	$0	$145,258	$1,273,972
GERALD HERBERT	TRUSTEE	1.00	Director	$0	$64,881	$428,140
KELLY HALVERSON	TRUSTEE	1.00	Director	$0	$65,221	$404,580
RICHARD STIENS	TRUSTEE	1.00	Director	$0	$43,980	$325,170
JENNIFER WOOSTER	TRUSTEE	1.00	Director	$0	$52,814	$369,546

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	No data	No data	No data	No data
2023	$117,306	$174,280	$3,572,493	$-56,974
2022	$65,501	$282,714	$3,629,467	$-217,213
2021	$70,420	$219,744	$3,846,680	$-149,324
2020	$76,989	$345,115	$3,996,004	$-268,126

AMERITAS HOLDING CO RETIREE LIFE VOLUNTARY EMPLOYEE BENEFICIARY ASSOC