OHIO BANKERS BENEFITS TRUST

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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

1997

Legal Domicile

Principal Officer

GAURI AIRI

Phone

6143407595

Tax Period

2024-01-01 to 2024-12-31

OHIO BANKERS BENEFITS TRUST, founded in 1997, is a mid-sized nonprofit that reported $37.2M in total revenue in fiscal year 2024. Revenue grew 8% year-over-year, indicating healthy expansion.

Mission

THE ORGANIZATION IS A MULTIPLE EMPLOYER WELFARE ARRANGEMENT (MEWA) WHICH PROVIDES MEDICAL, DENTAL, VISION, PRESCRIPTION DRUG BENEFITS, AND LIFE INSURANCE FOR ITS MEMBERS AND THEIR DEPENDENTS.

Program Service Accomplishments

Program 1

Expenses: $38,451,276

PROVISION OF WELFARE BENEFITS TO MEMBERS AND THEIR DEPENDENTS.

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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 $36,512,409

Investment Income $225,530

Other Revenue $430,944

TOTAL REVENUE $37,168,883

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $38,451,276

Other Expenses $2,653,271

TOTAL EXPENSES $38,451,276

Year-over-Year Comparison

	2024	2023	Change
Revenue	$37,168,883	$34,414,457	+0.1%
Expenses	$38,451,276	$40,400,420	0.0%
Net Income	$-1,282,393	$-5,985,963	-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

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

$309,320

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
LEWIS RENOLLET	TRUSTEE	0.50	Director	$0	$0	$0
PAUL REED	TRUSTEE	0.50	Director	$0	$0	$0
DEAN MILLER	TRUSTEE	0.50	Director	$0	$0	$0
MARK MASTERS	TRUSTEE	0.50	Director	$0	$0	$0
JOHN ESSEN	TRUSTEE	0.50	Director	$0	$0	$0
TRISHA WALTER	TRUSTEE	0.50	Director	$0	$0	$0
GAURI AIRI	EXECUTIVE DIRECTOR	1.00	Officer	$0	$67,913	$309,320

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
2024	$37,168,883	$38,451,276	$9,553,362	$-1,282,393
2023	$34,414,457	$40,400,420	$11,435,978	$-5,985,963
2022	$27,314,699	$33,285,996	$14,714,407	$-5,971,297
2021	$20,892,498	$18,422,590	$19,645,020	$2,469,908
2020	$20,565,703	$19,205,483	$17,217,514	$1,360,220
2020	$19,945,770	$18,585,550	$17,217,514	$1,360,220
2019	$20,187,605	$18,703,412	$15,438,835	$1,484,193
2018	$17,571,400	$18,959,216	$13,573,773	$-1,387,816