Peoples Energy Corporation Life & Health Benefit Trust (EIN 366803190) - 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

Principal Officer

William Guc

Phone

3122404373

Tax Period

2025-01-01 to 2025-12-31

Peoples Energy Corporation Life & Health Benefit Trust is a mid-sized nonprofit that reported $23.6M in total revenue in fiscal year 2025. Revenue grew 11% year-over-year, indicating healthy expansion. The organization ran a surplus of $15.6M, a strong 66% operating margin.

Mission

Trust to support Sec 501(c)(9) VEBA to receive/hold employee & employer contributions made under the Plan to disburse payments and satisfy member claims under the Plan.

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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 (2025)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $2,375,741

Investment Income $9,279,887

Other Revenue $11,978,575

TOTAL REVENUE $23,634,203

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $8,003,660

Other Expenses $342,667

TOTAL EXPENSES $8,003,660

Year-over-Year Comparison

	2025	2024	Change
Revenue	$23,634,203	$21,270,240	+0.1%
Expenses	$8,003,660	$11,824,973	-0.3%
Net Income	$15,630,543	$9,445,267	+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	Role	Reportable Comp	Other Comp	Total
XIA LIU	COMMITTEE CHAIR	Director	$0	$0	$0
LISA GEORGE	COMMITTEE MEMBER	Director	$0	$0	$0
JOSHUA M ERICKSON	COMMITTEE MEMBER	Director	$0	$0	$0
WILLIAM J GUC	COMMITTEE MEMBER	Director	$0	$0	$0
TONY L REESE	COMMITTEE SECRETARY	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
2025	$23,634,203	$8,003,660	$210,217,315	$15,630,543
2024	$21,270,240	$11,824,973	$194,586,772	$9,445,267
2023	$18,892,514	$6,356,034	$185,141,505	$12,536,480
2022	$3,353,395	$38,153,774	$172,605,025	$-34,800,379
2021	$17,374,823	$7,792,762	$207,405,404	$9,582,061
2020	$21,789,870	$6,204,392	$197,823,343	$15,585,478

Peoples Energy Corporation Life & Health Benefit Trust