KAISER STEEL CORPORATION RETIREES' BENEFIT PLAN AND TRUST (EIN 330270390) - 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

1990

Legal Domicile

Principal Officer

MIKE URBANEK

Phone

9093566867

Tax Period

2023-12-01 to 2024-11-30

KAISER STEEL CORPORATION RETIREES' BENEFIT PLAN AND TRUST, founded in 1990, is a micro nonprofit in the Mutual Benefit sector that reported $17K in total revenue in fiscal year 2023. Revenue fell 79% from the prior year — a significant decline worth monitoring. Expenses of $522K exceeded revenue, resulting in a 2897% operating deficit.

Mission

TO PROVIDE RETIREES DENTAL,VISION CARE AND DEATH 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 (2023)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $0

Investment Income $17,268

Other Revenue $140

TOTAL REVENUE $17,408

Expense Breakdown

Grants Paid $0

Salaries & Benefits $62,549

Fundraising Expenses $0

Program Expenses $521,789

Other Expenses $72,824

TOTAL EXPENSES $521,789

Year-over-Year Comparison

	2023	2022	Change
Revenue	$17,408	$83,006	-0.8%
Expenses	$521,789	$563,661	-0.1%
Net Income	$-504,381	$-480,655	+0.0%

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

N/A

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

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
TOM RABONE	TRUSTEE	5.00	Director	$0	$0	$0
FRANK UHALLEY	TRUSTEE	5.00	Director	$0	$0	$0
MIKE URBANEK	TRUSTEE	5.00	Director	$0	$0	$0

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	$17,408	$521,789	$688,259	$-504,381
2023	$83,006	$563,661	$615,356	$-480,655
2022	$22,278	$639,441	$1,189,735	$-617,163
2021	$79,166	$734,703	$1,844,678	$-655,537
2020	$2,144,516	$757,060	$2,474,625	$1,387,456
2019	$52,182	$1,090,694	$1,034,155	$-1,038,512
2018	$101,073	$1,230,064	$2,109,598	$-1,128,991

KAISER STEEL CORPORATION RETIREES' BENEFIT PLAN AND TRUST