MEDICAL AND LIFE BENEFITS PLAN TRUST FOR HOURLY RETIREES C/O JPMORGAN CHASE BANK (EIN 371874621) - 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

2017

Legal Domicile

Principal Officer

CHARLES CARRILLO

Tax Period

2025-01-01 to 2025-12-31

MEDICAL AND LIFE BENEFITS PLAN TRUST FOR HOURLY RETIREES C/O JPMORGAN CHASE BANK, founded in 2017, is a mid-sized nonprofit in the Mutual Benefit sector that reported $27.6M in total revenue in fiscal year 2025. Revenue fell 25% from the prior year — a significant decline worth monitoring. Expenses of $41.3M exceeded revenue, resulting in a 50% operating deficit.

Mission

SEE PART III LINE 1

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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 $2,587,482

Investment Income $10,583,074

Other Revenue $14,445,073

TOTAL REVENUE $27,615,629

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $25,338,586

Other Expenses $15,974,820

TOTAL EXPENSES $41,313,406

Year-over-Year Comparison

	2025	2024	Change
Revenue	$27,615,629	$36,687,165	-0.2%
Expenses	$41,313,406	$58,633,445	-0.3%
Net Income	$-13,697,777	$-21,946,280	-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

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	40.00		$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	$27,615,629	$41,313,406	$76,484,770	$-13,697,777
2024	$36,687,165	$58,633,445	$90,087,287	$-21,946,280
2023	$41,459,694	$67,069,236	$106,845,272	$-25,609,542
2022	$44,516,857	$70,536,663	$123,960,941	$-26,019,806
2021	$61,135,347	$83,904,681	$192,864,033	$-22,769,334
2020	$65,042,897	$94,544,598	$212,840,593	$-29,501,701
2019	$44,423,549	$78,969,475	$231,755,409	$-34,545,926
2018	$168,133,816	$211,927,348	$213,435,979	$-43,793,532

MEDICAL AND LIFE BENEFITS PLAN TRUST FOR HOURLY RETIREES C/O JPMORGAN CHASE BANK