BLUE CROSS BLUE SHIELD ASSOCIATION RETIREE BENEFITS TRUST (EIN 364018700) - 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

1994

Legal Domicile

Principal Officer

JOHN BANTA

Phone

3122976000

Tax Period

2023-01-01 to 2023-12-31

BLUE CROSS BLUE SHIELD ASSOCIATION RETIREE BENEFITS TRUST, founded in 1994, is a mid-sized nonprofit that reported $18.5M in total revenue in fiscal year 2023. Revenue surged 159% from the prior year, signaling strong growth momentum. The organization ran a surplus of $15.7M, a strong 85% operating margin.

Mission

THE TRUST WAS CREATED FOR THE EXCLUSIVE PURPOSE OF PROVIDING POST-RETIREMENT HEALTH CARE AND LIFE INSURANCE TO ELIGIBLE RETIREES AND THEIR DEPENDENTS UNDER BCBSA BENEFIT PROGRAMS.

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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 $0

Investment Income $18,463,217

Other Revenue $0

TOTAL REVENUE $18,463,217

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Other Expenses $80,284

TOTAL EXPENSES $2,782,044

Year-over-Year Comparison

	2023	2022	Change
Revenue	$18,463,217	$7,122,339	+1.6%
Expenses	$2,782,044	$2,591,707	+0.1%
Net Income	$15,681,173	$4,530,632	+2.5%

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

$961,722

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
DIANE GORE	COMMITTEE MEMBER - CHAIR	0.10	Officer Director	$0	$0	$0
JOHN F GIBLIN	COMMITTEE MEMBER - VICE CHAIR	0.10	Officer Director	$0	$0	$0
MATTHEW ALL	COMMITTEE MEMBER	0.10	Director	$0	$0	$0
JENNIFER ALLEN	COMMITTEE MEMBER	0.10	Director	$0	$0	$0
HENRI COURNAND	COMMITTEE MEMBER - THRU 03/23	0.10	Director	$0	$0	$0
ANDREAS ELLIS	COMMITTEE MEMBER - THRU 09/23	0.10	Director	$0	$0	$0
MARK EL-TAWIL	COMMITTEE MEMBER - THRU 09/23	0.10	Director	$0	$0	$0
CHRISTINA FISHER	COMMITTEE MEMBER	0.10	Director	$0	$46,045	$961,722
LORI HAIR	COMMITTEE MEMBER	0.10	Director	$0	$0	$0
CHRIS HAUSER	COMMITTEE MEMBER	0.10	Director	$0	$0	$0
THURMAN JUSTICE	COMMITTEE MEMBER - THRU 10/23	0.10	Director	$0	$0	$0
GINA MARTING	COMMITTEE MEMBER	0.10	Director	$0	$0	$0
SUSAN PICKAR	COMMITTEE MEMBER	0.10	Director	$0	$0	$0
MARGARET PINELLO-WHITE	COMMITTEE MEMBER - STARTED 03/23	0.10	Director	$0	$0	$0
MICHAEL RAINS	COMMITTEE MEMBER - STARTED 11/23	0.10	Director	$0	$0	$0
JAMES REED	COMMITTEE MEMBER	0.10	Director	$0	$0	$0
ADAM SHORT	COMMITTEE MEMBER	0.10	Director	$0	$0	$0
MICHAEL STUART	COMMITTEE MEMBER	0.10	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	$18,463,217	$2,782,044	$98,381,220	$15,681,173
2022	$7,122,339	$2,591,707	$89,188,249	$4,530,632
2021	$5,383,677	$2,356,000	$108,312,786	$3,027,677
2020	$2,564,114	$2,530,955	$96,463,885	$33,159
2019	$3,577,504	$2,621,844	$87,639,929	$955,660

BLUE CROSS BLUE SHIELD ASSOCIATION RETIREE BENEFITS TRUST