DUNN & ASSOCIATES EMPLOYEE BENEFIT TRUST (EIN 351849488) - 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

1992

Legal Domicile

Principal Officer

CATHY S DUNN

Phone

8123789960

Tax Period

2024-02-01 to 2025-01-31

DUNN & ASSOCIATES EMPLOYEE BENEFIT TRUST, founded in 1992, is a small nonprofit that reported $125K in total revenue in fiscal year 2024. Revenue fell 45% from the prior year — a significant decline worth monitoring. Expenses of $198K exceeded revenue, resulting in a 58% operating deficit.

Mission

THE SOLE PURPOSE OF MAINTAINING THIS TAX EXEMPT TRUST IS TO PROVIDE BENEFITS AS COVERED BY THE APPROVED PLAN FOR ALL ELIGIBLE EMPLOYEES AND THEIR DEPENDENTS ON A NONDISCRIMINATORY BASIS. THE EMPLOYER, ACTIVE EMPLOYEES AND ELIGIBLE COBRA BENEFICIARIES CONTRIBUTE.

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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 $115,552

Investment Income $4,781

Other Revenue $4,968

TOTAL REVENUE $125,301

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $196,420

Other Expenses $125,924

TOTAL EXPENSES $198,420

Year-over-Year Comparison

	2024	2023	Change
Revenue	$125,301	$229,697	-0.5%
Expenses	$198,420	$262,321	-0.2%
Net Income	$-73,119	$-32,624	+1.2%

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

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
CATHY S DUNN	TRUSTEE	N/A	Director	$0	$0	$0
KENNETH O DUNN	TRUSTEE	N/A	Director	$0	$0	$0
NAKIA PRINCE	TRUSTEE	N/A	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
2025	$125,301	$198,420	$81,399	$-73,119
2024	$229,697	$262,321	$157,518	$-32,624
2023	$170,856	$383,110	$190,892	$-212,254
2022	$244,542	$197,442	$398,896	$47,100
2021	$523,480	$295,853	$361,796	$227,627
2020	$595,107	$507,309	$159,669	$87,798
2019	$389,256	$332,354	$64,371	$56,902

DUNN & ASSOCIATES EMPLOYEE BENEFIT TRUST