KNOX COUNTY OTHER POST-EMPLOYMENT DISABILITY BENEFITS TRUST (EIN 326321527) - 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

2014

Legal Domicile

Principal Officer

JENNIFER SCHROEDER

Phone

8652152323

Tax Period

2020-07-01 to 2021-06-30

KNOX COUNTY OTHER POST-EMPLOYMENT DISABILITY BENEFITS TRUST, founded in 2014, is a small nonprofit in the Mutual Benefit sector that reported $645K in total revenue in fiscal year 2020. Revenue fell 50% from the prior year — a significant decline worth monitoring. The organization ran a surplus of $225K, a strong 35% operating margin.

Mission

PROVIDE POST-EMPLOYMENT DISABILITY BENEFITS FOR THE EMPLOYEES OF THE SPONSORING EMPLOYER OF THE KNOX COUNTY POST-EMPLOYMENT DISABILITY BENEFIT TRUST

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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 (2020)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $592,738

Investment Income $52,481

Other Revenue $0

TOTAL REVENUE $645,219

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Other Expenses $0

TOTAL EXPENSES $420,085

Year-over-Year Comparison

	2020	2019	Change
Revenue	$645,219	$1,280,813	-0.5%
Expenses	$420,085	$1,299,268	-0.7%
Net Income	$225,134	$-18,455	-13.2%

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

$134,000

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
CHRIS CALDWELL	PROXY FOR COUNTY MAYOR/ CHAIR	1.00	Director	$0	$0	$0
LARSON JAY	VICE CHAIRMAN	1.00	Director	$0	$0	$0
RANDY SMITH	MEMBER	1.00	Director	$0	$0	$0
KYLE WARD	MEMBER	1.00	Director	$0	$0	$0
CHRIS SIMONS	MEMBER	1.00	Director	$0	$0	$0
GABE MULLINAX	MEMBER	1.00	Director	$0	$0	$0
JANET SAMAR	MEMBER	1.00	Director	$0	$0	$0
JAMES SNOWDEN	MEMBER	1.00	Director	$0	$0	$0
GLENN JACOBS	MEMBER/ CHAIR	1.00	Director	$0	$0	$0
N/A	TRUSTEE	1.00		$0	$0	$0
JENNIFER SCHROEDER	EXEC DIRECTOR OF PLAN ADMINISTRATOR	2.00	Officer	$0	$0	$134,000

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
2021	$645,219	$420,085	$1,952,673	$225,134
2020	$1,280,813	$1,299,268	$1,266,961	$-18,455
2019	$1,475,311	$1,228,635	$1,288,587	$246,676
2018	$1,230,987	$1,611,743	$1,130,285	$-380,756

KNOX COUNTY OTHER POST-EMPLOYMENT DISABILITY BENEFITS TRUST