FOX VALLEY LABORERS HEALTH & WELFARE FND (EIN 366219639) - 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

1968

Legal Domicile

Principal Officer

JOHN BRYAN

Phone

8477420900

Tax Period

2024-06-01 to 2025-05-31

FOX VALLEY LABORERS HEALTH & WELFARE FND, founded in 1968, is a mid-sized nonprofit that reported $50.9M in total revenue in fiscal year 2024. Revenue grew 10% year-over-year, indicating healthy expansion. Net assets of $103.5M represent 24 months of operating reserves.

Mission

TO PROVIDE MEDICAL, DENTAL, VISION, TEMPORARY DISABILITY, AND DEATH BENEFITS TO ELIGIBLE MEMBERS AND THEIR DEPENDENTS.

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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 $41,567,171

Investment Income $8,908,921

Other Revenue $393,467

TOTAL REVENUE $50,869,559

Expense Breakdown

Grants Paid $0

Salaries & Benefits $1,429,976

Fundraising Expenses $0

Other Expenses $2,988,719

TOTAL EXPENSES $51,694,786

Year-over-Year Comparison

	2024	2023	Change
Revenue	$50,869,559	$46,280,368	+0.1%
Expenses	$51,694,786	$44,146,147	+0.2%
Net Income	$-825,227	$2,134,221	-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

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

$885,184

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
BRIAN M URSO	SECRETARY	3.00	Director	$0	$110,023	$249,653
MICHAEL S BIVINS	TRUSTEE	3.00	Director	$0	$128,937	$325,456
STEVEN E LAMP	TRUSTEE	3.00	Director	$0	$0	$0
JOHN P BRYAN	CHAIRMAN	3.00	Director	$0	$0	$0
BRIAN T RAUSCH	TRUSTEE	3.00	Director	$0	$0	$0
ALBERTO ALFARO	TRUSTEE	3.00	Director	$0	$123,473	$310,075
DEBORAH L FRENCH	ADMINISTRATOR	40.00	Highest	$146,773	$61,722	$208,495

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
2025	$50,869,559	$51,694,786	$134,975,425	$-825,227
2024	$46,280,368	$44,146,147	$130,287,745	$2,134,221
2023	$45,308,810	$37,272,210	$120,237,721	$8,036,600
2022	$44,983,923	$36,621,100	$118,401,863	$8,362,823
2021	$42,720,407	$35,908,570	$125,450,928	$6,811,837
2020	$42,726,216	$39,047,338	$110,427,684	$3,678,878
2019	$43,526,050	$41,832,010	$104,662,668	$1,694,040
2018	$42,494,725	$35,993,511	$103,869,536	$6,501,214

FOX VALLEY LABORERS HEALTH & WELFARE FND