Trust for the Post Employment Health Plan For Public Employees - B (EIN 367178699) - 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

Phone

6144358378

Tax Period

2025-01-01 to 2025-12-31

Trust for the Post Employment Health Plan For Public Employees - B, founded in 1997, is a community nonprofit that reported $1.2M in total revenue in fiscal year 2025. Revenue grew 9% year-over-year, indicating healthy expansion. Expenses of $1.3M exceeded revenue, resulting in a 14% operating deficit.

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 $1,179,407

Investment Income $0

Other Revenue $0

TOTAL REVENUE $1,179,407

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $1,340,072

Other Expenses $103,343

TOTAL EXPENSES $1,340,072

Year-over-Year Comparison

	2025	2024	Change
Revenue	$1,179,407	$1,081,636	+0.1%
Expenses	$1,340,072	$1,754,679	-0.2%
Net Income	$-160,665	$-673,043	-0.8%

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

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	$1,179,407	$1,340,072	$22,501,517	$-160,665
2024	$1,081,636	$1,754,679	$20,779,373	$-673,043
2023	$1,136,581	$1,218,104	$19,029,918	$-81,523
2022	$1,153,002	$1,131,563	$16,649,140	$21,439
2021	$1,213,130	$1,097,447	$19,246,772	$115,683
2020	$1,290,197	$962,379	$16,942,562	$327,818

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