Wabash Valley Produce EMPLOYEE BENEFIT TRUST (EIN 351944213) - 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

1991

Legal Domicile

Principal Officer

Karen Eisenhut

Phone

8126783131

Tax Period

2023-01-01 to 2023-12-28

Wabash Valley Produce EMPLOYEE BENEFIT TRUST, founded in 1991, is a community nonprofit that reported $2.7M in total revenue in fiscal year 2023. Revenue surged 24% from the prior year, signaling strong growth momentum.

Mission

TO PROVIDE BENEFITS TO ELIGIBLE EMPLOYEES AND DEPENDENTS FOR COVERED HEALTH AND WEEKLY INDEMNITY CLAIMS INCURRED UNDER THE TERMS OF THE PLAN.

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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 $2,475,734

Investment Income $0

Other Revenue $216,640

TOTAL REVENUE $2,692,374

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Other Expenses $191,642

TOTAL EXPENSES $2,810,015

Year-over-Year Comparison

	2023	2022	Change
Revenue	$2,692,374	$2,173,623	+0.2%
Expenses	$2,810,015	$2,237,476	+0.3%
Net Income	$-117,641	$-63,853	+0.8%

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

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	Role	Reportable Comp	Other Comp	Total
SCOTT C SEGER	TRUSTEE	Director	$0	$0	$0
ANDY SEGER	TRUSTEE	Director	$0	$0	$0
GRANT KNIES	TRUSTEE	Director	$0	$0	$0
ROGER SEGER	TRUSTEE	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
2023	$2,692,374	$2,810,015	No data	$-117,641
2022	$2,173,623	$2,237,476	$186,729	$-63,853
2021	$1,554,066	$1,514,478	$101,689	$39,588
2020	$1,450,571	$1,342,148	$79,585	$108,423
2019	$1,119,305	$971,867	$32,725	$147,438
2018	$678,791	$917,892	$60,085	$-239,101

Wabash Valley Produce EMPLOYEE BENEFIT TRUST