EXCAVATING GRADING & ASPHALT CRAFT 731 HEALTH AND WELFARE FUND (EIN 366073848) - 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

1951

Legal Domicile

Principal Officer

JOHN LISNER

Phone

6308874150

Tax Period

2023-01-01 to 2023-12-31

EXCAVATING GRADING & ASPHALT CRAFT 731 HEALTH AND WELFARE FUND, founded in 1951, is a mid-sized nonprofit that reported $11.3M in total revenue in fiscal year 2023. Revenue grew 10% year-over-year, indicating healthy expansion. Expenses of $9.8M left a modest 13% surplus.

Mission

TO PROVIDE MEDICAL, DENTAL, VISION, LIFE AND DISABILITY BENEFITS TO ELIGIBLE PARTICIPANTS AND THEIR BENEFICIARIES

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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 $10,682,813

Investment Income $625,827

Other Revenue $0

TOTAL REVENUE $11,308,640

Expense Breakdown

Grants Paid $0

Salaries & Benefits $2,262,013

Fundraising Expenses $0

Other Expenses $535,148

TOTAL EXPENSES $9,810,622

Year-over-Year Comparison

	2023	2022	Change
Revenue	$11,308,640	$10,285,234	+0.1%
Expenses	$9,810,622	$11,000,150	-0.1%
Net Income	$1,498,018	$-714,916	-3.1%

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

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

$851,861

Key Employees

$220,995

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
JEFFREY LONKAR	TRUSTEE	2.00	Director	$0	$30,438	$127,296
JOHN LISNER	TRUSTEE	2.00	Director	$0	$81,157	$398,689
DALE BOLT	TRUSTEE	2.00	Director	$0	$71,144	$325,876
WILLIAM COLLINS	TRUSTEE	2.00	Director	$0	$0	$0
DAVID SNELTEN	TRUSTEE	2.00	Director	$0	$0	$0
JONATHAN GALLAGHER	TRUSTEE	2.00	Director	$0	$0	$0
RICHARD CLARSON	ADMINISTRATOR	40.00	Key Emp	$206,245	$14,750	$220,995
PATRICIA SAENZ	CLAIMS MANAGER	40.00	Highest	$155,306	$30,268	$185,574
MICHAEL WAINSCOTT	COMPTROLLER	40.00	Highest	$134,213	$28,163	$162,376
THERISA GONZALEZ	ADMINISTRATIVE ASSISTANT	40.00	Highest	$102,716	$54,835	$157,551
CINDY PERNA	OFFICE COORDINATOR	40.00	Highest	$104,462	$59,308	$163,770

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	$11,308,640	$9,810,622	$24,773,969	$1,498,018
2022	$10,285,234	$11,000,150	$22,092,129	$-714,916
2021	$10,737,315	$11,769,820	$25,474,696	$-1,032,505
2020	$10,145,494	$10,622,002	$25,439,001	$-476,508
2019	$11,600,285	$11,791,744	$24,293,764	$-191,459
2018	$10,778,673	$13,833,634	$24,220,622	$-3,054,961

EXCAVATING GRADING & ASPHALT CRAFT 731 HEALTH AND WELFARE FUND