Business Health Trust (EIN 367481494) - 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

2007

Legal Domicile

Principal Officer

Tony Williams

Phone

4257717359

Tax Period

2023-01-01 to 2023-12-31

Business Health Trust, founded in 2007, is a major nonprofit in the Mutual Benefit sector that reported $130.4M in total revenue in fiscal year 2023. Revenue grew 14% year-over-year, indicating healthy expansion.

Mission

The Trust was established to hold insurance policies through which participating employers can provide programs of health and other insured welfare benefits under the employee benefit plans they maintain for their employees and dependents.

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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 $130,063,383

Investment Income $198,789

Other Revenue $114,205

TOTAL REVENUE $130,376,377

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Other Expenses $15,197,824

TOTAL EXPENSES $129,810,626

Year-over-Year Comparison

	2023	2022	Change
Revenue	$130,376,377	$114,295,689	+0.1%
Expenses	$129,810,626	$114,339,481	+0.1%
Net Income	$565,751	$-43,792	-13.9%

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	Hours/Week	Role	Reportable Comp	Other Comp	Total
Evelyn Lemoine	Trustee	0.50	Director	$0	$0	$0
Tony Williams	Trustee	0.50	Director	$0	$0	$0
Jen Crofton	Trustee	0.50	Director	$0	$0	$0
Cary Badger	Trustee	0.50	Director	$0	$0	$0
Mary Byrne	Trustee	0.50	Director	$0	$0	$0
Beth Damis	Trustee	0.50	Director	$0	$0	$0
Barbara Andrews	Trustee	0.50	Director	$0	$0	$0
Simone Loban	Trustee	0.50	Director	$0	$0	$0
Denise Giambalvo	Trustee	0.50	Director	$0	$0	$0
Matt Kolacz	Trustee	0.50	Director	$0	$0	$0
Sarai Childs	Contracted Executive Direc	40.00	Officer	$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	$130,376,377	$129,810,626	$16,063,817	$565,751
2022	$114,295,689	$114,339,481	$13,074,782	$-43,792
2021	$119,029,722	$118,029,714	$13,505,686	$1,000,008
2020	$107,792,966	$106,724,194	$10,960,532	$1,068,772
2019	$101,563,163	$100,946,078	$6,857,737	$617,085
2018	$90,831,157	$90,377,100	$8,478,868	$454,057

Business Health Trust