Trust for the Post Employment Health Plan For Public Employees - 3 (EIN 367178692) - 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

1997

Legal Domicile

Principal Officer

Paula Miller

Tax Period

2025-01-01 to 2025-12-31

Trust for the Post Employment Health Plan For Public Employees - 3, founded in 1997, is a community nonprofit in the Mutual Benefit sector that reported $7.6M in total revenue in fiscal year 2025. The organization ran a surplus of $2.0M, a strong 26% operating margin.

Mission

The mission of the Trust is to provide a means for public sector employees of state &/or local governments (& their political subdivisions) to address post employment medical exp.

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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 $7,639,869

Investment Income $0

Other Revenue $0

TOTAL REVENUE $7,639,869

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $5,682,148

Other Expenses $309,287

TOTAL EXPENSES $5,682,148

Year-over-Year Comparison

	2025	2024	Change
Revenue	$7,639,869	$7,206,350	+0.1%
Expenses	$5,682,148	$4,182,477	+0.4%
Net Income	$1,957,721	$3,023,873	-0.4%

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

N/A

Independent Members

N/A

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
Paula Miller	Chief Trust Officer	0.0		$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	$7,639,869	$5,682,148	$69,818,154	$1,957,721
2024	$7,206,350	$4,182,477	$61,826,214	$3,023,873
2023	$7,366,094	$4,292,786	$54,144,194	$3,073,308
2022	$5,847,045	$2,944,566	$45,523,973	$2,902,479
2021	$8,596,165	$5,374,030	$48,188,308	$3,222,135
2020	$4,445,365	$2,313,782	$40,449,349	$2,131,583

Trust for the Post Employment Health Plan For Public Employees - 3