LAND O 'FROST INC VOLUNTARY EMPLOYEES' BENEFICIARY ASSOCIATION PLAN (EIN 363276312) - 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

1983

Legal Domicile

Principal Officer

GEORGE SMOLAR

Phone

2199619660

Tax Period

2023-01-01 to 2023-12-31

LAND O 'FROST INC VOLUNTARY EMPLOYEES' BENEFICIARY ASSOCIATION PLAN, founded in 1983, is a mid-sized nonprofit that reported $14.7M in total revenue in fiscal year 2023. Revenue grew 20% year-over-year, indicating healthy expansion. Expenses of $14.2M left a modest 4% surplus.

Mission

TO PROVIDE ELIGIBLE EMPLOYEES OF LAND O'FROST, INC. AND THEIR FAMILIES WITH HEALTH, ACCIDENT, LIFE OR SIMILAR WELFARE 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 (2023)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $14,718,192

Investment Income $633

Other Revenue $0

TOTAL REVENUE $14,718,825

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Other Expenses $428,614

TOTAL EXPENSES $14,151,920

Year-over-Year Comparison

	2023	2022	Change
Revenue	$14,718,825	$12,301,578	+0.2%
Expenses	$14,151,920	$11,958,669	+0.2%
Net Income	$566,905	$342,909	+0.7%

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
DAVID VAN EEKEREN	TRUSTEE	1.00	Director	$0	$0	$0
GEORGE SMOLAR	TRUSTEE	1.00	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	No data	No data	No data	No data
2023	$14,718,825	$14,151,920	$1,264,903	$566,905
2022	$12,301,578	$11,958,669	$305,895	$342,909
2021	$12,396,501	$13,545,232	$253,155	$-1,148,731
2020	$11,737,909	$12,182,510	$576,280	$-444,601
2019	$8,599,290	$8,402,808	$822,732	$196,482
2018	$9,392,780	$9,136,342	$883,636	$256,438

LAND O 'FROST INC VOLUNTARY EMPLOYEES' BENEFICIARY ASSOCIATION PLAN