BLUE CROSS AND BLUE SHIELD PLANS NATIONAL RETIREE HEALTH BENEFITS TRUST (EIN 367008317) - 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

JOHN BANTA

Phone

3124445670

Tax Period

2023-01-01 to 2023-12-31

BLUE CROSS AND BLUE SHIELD PLANS NATIONAL RETIREE HEALTH BENEFITS TRUST, founded in 1991, is a mid-sized nonprofit that reported $14.9M in total revenue in fiscal year 2018. Revenue surged 49% from the prior year, signaling strong growth momentum. Expenses of $13.0M left a modest 13% surplus.

Mission

TO PROVIDE HEALTH BENEFITS TO ELIGIBLE RETIREES OF THE BLUE CROSS & BLUE SHIELD COMPANIES.

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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 $916,148

Investment Income $17,754,968

Other Revenue $0

TOTAL REVENUE $18,671,116

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Other Expenses $3,814,099

TOTAL EXPENSES $13,048,929

Year-over-Year Comparison

	2023	2022	Change
Revenue	$18,671,116	$7,475,045	+1.5%
Expenses	$13,048,929	$14,177,313	-0.1%
Net Income	$5,622,187	$-6,702,268	-1.8%

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

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	$18,671,116	$13,048,929	$204,430,210	$5,622,187
2022	$7,475,045	$14,177,313	$194,020,745	$-6,702,268
2021	$8,544,850	$12,277,581	$234,048,539	$-3,732,731
2020	$6,467,099	$9,234,002	$215,885,033	$-2,766,903
2019	$14,141,346	$10,950,160	$211,021,064	$3,191,186
2018	$14,949,350	$12,985,563	$192,055,377	$1,963,787

BLUE CROSS AND BLUE SHIELD PLANS NATIONAL RETIREE HEALTH BENEFITS TRUST