EDUCATORS BENEFIT CONSULTANTS HEALTH REIMBURSEMENT ARRANGEMENT (EIN 352284858) - 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

2006

Legal Domicile

Principal Officer

KENT D SCHUTTE

Phone

8885076053

Tax Period

2024-01-01 to 2024-12-31

EDUCATORS BENEFIT CONSULTANTS HEALTH REIMBURSEMENT ARRANGEMENT, founded in 2006, is a mid-sized nonprofit in the Mutual Benefit sector that reported $14.5M in total revenue in fiscal year 2024. The organization ran a surplus of $3.2M, a strong 22% operating margin.

Mission

FUNDS IN THE HEALTH REIMBURSEMENT ARRANGEMENT ARE USED TO REIMBURSE QUALIFIED MEDICAL EXPENSES FOR PUBLIC SCHOOL DISTRICT EMPLOYEES. THIS TRUST IS A HEALTH REIMBURSEMENT ARRANGEMENT AS DESCRIBED IN REVENUE RULINGS 2002 -41, 2006-36, NOTICE 2002-45 AND 2013-54.

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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 $12,406,890

Investment Income $2,150,402

Other Revenue $-30,352

TOTAL REVENUE $14,526,940

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Other Expenses $449,258

TOTAL EXPENSES $11,320,874

Year-over-Year Comparison

	2024	2023	Change
Revenue	$14,526,940	$13,872,364	+0.0%
Expenses	$11,320,874	$11,479,162	0.0%
Net Income	$3,206,066	$2,393,202	+0.3%

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
N/A	ADMINISTRATO	N/A	Director	$0	$0	$0
KENT D SCHUTTE	PRESIDENT	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	No data	No data	No data	No data
2024	$14,526,940	$11,320,874	$58,765,481	$3,206,066
2023	$13,872,364	$11,479,162	$55,559,415	$2,393,202
2022	$5,055,441	$4,144,176	$27,173,839	$911,265
2022	$33,947,973	$7,044,334	$53,166,213	$26,903,639
2021	$6,369,432	$3,608,237	$26,262,574	$2,761,195
2020	$5,639,255	$3,097,055	$23,501,379	$2,542,200

EDUCATORS BENEFIT CONSULTANTS HEALTH REIMBURSEMENT ARRANGEMENT