Welfare Benefit Plan and Trust for D&M Retirees (EIN 351579293) - 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

1985

Legal Domicile

Phone

7658251311

Tax Period

2025-01-01 to 2025-12-31

Welfare Benefit Plan and Trust for D&M Retirees, founded in 1985, is a small nonprofit that reported $659K in total revenue in fiscal year 2025. Revenue decreased 17% compared to the prior year. The organization ran a surplus of $316K, a strong 48% operating margin.

Mission

QUALIFIED NON-DISCRIMINATORY SELF-INSURED VOLUNTARY EMPLOYEE'S BENEFICIARY ASSOCIATION WHICH PROVIDES HEALTH AND WELFARE BENEFITS TO RETIREES.

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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 (2025)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $0

Investment Income $659,400

Other Revenue $0

TOTAL REVENUE $659,400

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $0

Other Expenses $121,089

TOTAL EXPENSES $342,934

Year-over-Year Comparison

	2025	2024	Change
Revenue	$659,400	$790,475	-0.2%
Expenses	$342,934	$135,340	+1.5%
Net Income	$316,466	$655,135	-0.5%

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

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

$41,076

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
DANIEL APPEL	CO-TRUSTEE	1.0	Director	$0	$0	$17,430
Robert B Wingerter	CO-TRUSTEE	2.0	Director	$0	$0	$23,646

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	$659,400	$342,934	$15,176,688	$316,466
2024	$790,475	$135,340	$13,433,639	$655,135
2023	$192,202	$141,682	$11,916,058	$50,520
2022	$270,473	$174,904	$10,287,950	$95,569
2021	$612,863	$181,186	$12,252,166	$431,677
2020	$166,258	$192,150	$11,016,417	$-25,892
2019	$110,767	$221,132	$9,913,493	$-110,365
2018	$422,579	$223,392	$8,856,408	$199,187

Welfare Benefit Plan and Trust for D&M Retirees