UFCW L1546 FOOD HANDLERS WELFARE FUND C/O ZENITH AMERICAN SOLUTIONS (EIN 362365968) - 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

1956

Legal Domicile

Principal Officer

BOB O'TOOLE

Phone

3126491200

Tax Period

2024-01-01 to 2024-12-31

UFCW L1546 FOOD HANDLERS WELFARE FUND C/O ZENITH AMERICAN SOLUTIONS, founded in 1956, is a mid-sized nonprofit that reported $32.5M in total revenue in fiscal year 2024.

Mission

PROVIDE HEALTH BENEFITS.

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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 $30,851,441

Investment Income $1,635,153

Other Revenue $0

TOTAL REVENUE $32,486,594

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Other Expenses $2,313,553

TOTAL EXPENSES $35,312,716

Year-over-Year Comparison

	2024	2023	Change
Revenue	$32,486,594	$32,471,228	+0.0%
Expenses	$35,312,716	$25,542,610	+0.4%
Net Income	$-2,826,122	$6,928,618	-1.4%

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
GERALD M KOLB	TRUSTEE	1.00	Director	$0	$0	$0
DAVID KALUZNY II	TRUSTEE	0.50	Director	$0	$0	$0
BOB O'TOOLE	TRUSTEE	1.00	Director	$0	$0	$0
JONATHAN WILLIGMAN	TRUSTEE - PAST	0.50	Director	$0	$0	$0
MARIO MARIN	TRUSTEE	0.50	Director	$0	$0	$0
KIMBERLY ZUBRICKAS	TRUSTEE	0.50	Director	$0	$0	$0
ARTURO HUIZAR	TRUSTEE - NEW	0.50	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
2024	$32,486,594	$35,312,716	$39,581,665	$-2,826,122
2023	$32,471,228	$25,542,610	$43,710,111	$6,928,618
2022	$27,079,480	$24,563,585	$35,068,817	$2,515,895
2021	$27,316,567	$21,693,351	$34,155,400	$5,623,216
2020	$26,882,033	$26,129,427	$28,889,892	$752,606
2019	$24,996,613	$23,853,462	$27,694,567	$1,143,151
2018	$21,441,171	$21,606,607	$26,157,712	$-165,436

UFCW L1546 FOOD HANDLERS WELFARE FUND C/O ZENITH AMERICAN SOLUTIONS