CNH WELFARE BENEFIT TRUST (EIN 367045813) - Form 990 Financial Analysis & Trantor Score

🔒

Financial Vulnerability Assessment (Tuckman-Chang)

4 risk indicators measuring financial stability and operational resilience

Sign in with your work email to view Tuckman-Chang indicators

Financial Trends

Organization Details

Formation Year

2001

Legal Domicile

Principal Officer

Bart Gralczyk

Phone

2626366004

Tax Period

2023-01-01 to 2023-12-31

CNH WELFARE BENEFIT TRUST, founded in 2001, is a major nonprofit in the Mutual Benefit sector that reported $172.2M in total revenue in fiscal year 2023. Revenue grew 20% year-over-year, indicating healthy expansion.

Mission

TO PROVIDE LIFE, ILLNESS, AND ACCIDENT BENEFITS TO ELIGIBLE PARTICIPANTS OR THEIR DEPENDENTS/DESIGNATED BENEFICIARIES AND TO PROVIDE RETIREES WITH A HEALTH REIMBURSEMENT ARRANGEMENT

🔒

Trantor Score

Financial Health Score (300–850) · Liquidity · Solvency · Sustainability · Efficiency

Sign in to view Trantor Score and financial metrics

Liquidity (40%) • Solvency (30%) • Sustainability (20%) • Efficiency (10%)

Financial Overview (2023)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $170,554,184

Investment Income $1,635,619

Other Revenue $0

TOTAL REVENUE $172,189,803

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $152,865,736

Other Expenses $25,034,930

TOTAL EXPENSES $177,900,666

Year-over-Year Comparison

	2023	2022	Change
Revenue	$172,189,803	$143,843,670	+0.2%
Expenses	$177,900,666	$187,639,760	-0.1%
Net Income	$-5,710,863	$-43,796,090	-0.9%

Key Indicators

✗ Grants to Organizations ✗ Grants to Individuals ✗ Lobbying ✗ Political Activity ✗ Foreign Activities ✗ Donor Advised Fund ✗ Schedule B Required

🔒

Financial Health Indicators

Comprehensive financial analysis: Altman Z-Score, liquidity, solvency, sustainability, efficiency, and growth metrics

Financial Distress Indicator

Liquidity & Cash Position

Sign in to view all financial metrics

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	Hours/Week	Role	Reportable Comp	Other Comp	Total
N/A	TRUSTEE	1.00		$55,133	$0	$55,133

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	$172,189,803	$177,900,666	$80,894,509	$-5,710,863
2022	$143,843,670	$187,639,760	$86,949,881	$-43,796,090
2021	$173,990,533	$141,984,636	$154,103,739	$32,005,897
2020	$152,313,968	$147,605,192	$170,283,383	$4,708,776
2019	$135,465,150	$145,116,561	$160,706,502	$-9,651,411
2018	$138,400,177	$169,996,941	$149,472,507	$-31,596,764

CNH WELFARE BENEFIT TRUST