PLUMBERS LOCAL 210 HEALTH AND WELFARE FUND (EIN 320047529) - 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

2003

Legal Domicile

Principal Officer

SALVADOR ESPINO

Phone

2199427224

Tax Period

2024-01-01 to 2024-12-31

PLUMBERS LOCAL 210 HEALTH AND WELFARE FUND, founded in 2003, is a community nonprofit in the Mutual Benefit sector that reported $6.5M in total revenue in fiscal year 2024. Revenue grew 14% year-over-year, indicating healthy expansion. Expenses of $5.6M left a modest 14% surplus.

Mission

TO PROVIDE HEALTH BENEFITS

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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 $6,421,389

Investment Income $124,810

Other Revenue $2,865

TOTAL REVENUE $6,549,064

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Other Expenses $206,465

TOTAL EXPENSES $5,621,492

Year-over-Year Comparison

	2024	2023	Change
Revenue	$6,549,064	$5,749,975	+0.1%
Expenses	$5,621,492	$6,056,673	-0.1%
Net Income	$927,572	$-306,698	-4.0%

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

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

$64,833

Total Directors

$220,434

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
SALVADOR ESPINO	TRUSTEE	1.00	Director	$0	$87,355	$220,434
BILL MCCALL	TRUSTEE	1.00	Director	$0	$0	$0
KEITH KLEINFELDT	TRUSTEE	1.00	Director	$0	$0	$0
KEVIN KEOUGH	TRUSTEE	1.00	Director	$0	$0	$0
MIKE LASKARIN	TRUSTEE	1.00	Director	$0	$0	$0
DAVE SIDDALL	TRUSTEE	1.00	Director	$0	$0	$0
KAYLA PAGE	FUND MANAGER - PAST	16.00	Officer	$0	$3,424	$8,712
JANET DAVIDSON	FUND MANAGER - NEW	16.00	Officer	$0	$8,075	$56,121

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	$6,549,064	$5,621,492	$6,463,959	$927,572
2023	$5,749,975	$6,056,673	$5,449,336	$-306,698
2022	$5,105,414	$5,469,503	$5,589,133	$-364,089
2021	$4,711,832	$5,541,215	$5,907,185	$-829,383
2020	$4,491,807	$4,556,240	$6,466,071	$-64,433
2019	$4,361,186	$4,196,324	$6,715,386	$164,862

PLUMBERS LOCAL 210 HEALTH AND WELFARE FUND