PLUMBERS AND STEAMFITTERS LOCAL 440 HEALTH & WELFARE PLAN (EIN 351899607) - 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

1993

Legal Domicile

Principal Officer

ROBERT STIENEKER

Phone

7654478803

Tax Period

2024-06-01 to 2025-05-31

PLUMBERS AND STEAMFITTERS LOCAL 440 HEALTH & WELFARE PLAN, founded in 1993, is a mid-sized nonprofit that reported $50.5M in total revenue in fiscal year 2024. Revenue grew 11% year-over-year, indicating healthy expansion.

Mission

TO PROVIDE HEALTH AND WELFARE BENEFITS TO PARTICIPANTS.

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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 $48,449,201

Investment Income $2,055,030

Other Revenue $3,375

TOTAL REVENUE $50,507,606

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Other Expenses $2,599,541

TOTAL EXPENSES $50,905,973

Year-over-Year Comparison

	2024	2023	Change
Revenue	$50,507,606	$45,396,755	+0.1%
Expenses	$50,905,973	$37,804,001	+0.3%
Net Income	$-398,367	$7,592,754	-1.1%

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

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
WILLIAM BROWN	TRUSTEE	1.00	Director	$0	$0	$0
TODD CLEMENTS	TRUSTEE	1.00	Director	$0	$0	$0
GREG FULLER	SECRETARY/TR	1.00	Officer Director	$0	$0	$0
CHRIS GREINER	TRUSTEE	1.00	Director	$0	$0	$0
CHRIS QUINN	TRUSTEE	1.00	Director	$0	$0	$0
ROBERT STIENEKER	CHAIRMAN	1.00	Officer 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	$50,507,606	$50,905,973	$61,554,145	$-398,367
2024	$45,396,755	$37,804,001	$53,864,036	$7,592,754
2023	$35,758,333	$29,145,364	$38,453,071	$6,612,969
2022	$30,642,055	$27,454,969	$31,106,219	$3,187,086
2021	$33,263,600	$30,512,624	$30,185,686	$2,750,976
2020	$29,423,995	$28,886,666	$27,039,614	$537,329
2019	$27,161,382	$26,476,561	$22,357,794	$684,821
2018	$25,245,250	$25,452,568	$21,714,270	$-207,318

PLUMBERS AND STEAMFITTERS LOCAL 440 HEALTH & WELFARE PLAN