MOSAIC EMPLOYEE WELFARE BENEFIT PLAN (EIN 363831874) - 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

SCOTT HOFFMAN

Phone

4028963884

Tax Period

2023-01-01 to 2023-12-31

MOSAIC EMPLOYEE WELFARE BENEFIT PLAN, founded in 1991, is a mid-sized nonprofit that reported $11.2M in total revenue in fiscal year 2023. Revenue fell 39% from the prior year — a significant decline worth monitoring. Expenses of $10.3M left a modest 8% surplus.

Mission

TO PROVIDE SELF-FUNDED HEALTH CARE, DENTAL CARE AND EDUCATION COMPENSATION BENEFITS TO PARTICIPANTS WHO ARE ELIGIBLE EMPLOYEES OR TO A COVERED DEPENDENT OF AN ELIGIBLE EMPLOYEE OF MOSAIC AND ITS AFFILIATES.

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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 $10,824,630

Investment Income $354,618

Other Revenue $0

TOTAL REVENUE $11,179,248

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Other Expenses $1,099,910

TOTAL EXPENSES $10,251,111

Year-over-Year Comparison

	2023	2022	Change
Revenue	$11,179,248	$18,432,880	-0.4%
Expenses	$10,251,111	$16,287,908	-0.4%
Net Income	$928,137	$2,144,972	-0.6%

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

$1,404,069

Total Directors

$1,404,069

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
LINDA TIMMONS	CHIEF EXECUTIVE OFFICER	0.10	Officer Director	$0	$217,312	$890,929
SCOTT HOFFMAN	CHIEF FINANCIAL OFFICER	0.10	Officer Director	$0	$49,092	$513,140
N/A	TRUSTEE	0.10		$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	$11,179,248	$10,251,111	$9,970,962	$928,137
2022	$18,432,880	$16,287,908	$9,269,524	$2,144,972
2021	$16,223,052	$17,412,427	$7,371,640	$-1,189,375
2020	$17,682,659	$15,784,904	$9,155,298	$1,897,755
2019	$17,614,339	$21,024,073	$6,801,438	$-3,409,734
2018	$17,256,791	$19,587,981	$9,710,148	$-2,331,190

MOSAIC EMPLOYEE WELFARE BENEFIT PLAN