County of San Joaquin CA Retiree Health Reimbursement Plan and Trust (EIN 376495111) - 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

2010

Legal Domicile

Principal Officer

Paula Miller

Phone

6144358404

Tax Period

2024-07-01 to 2025-06-30

County of San Joaquin CA Retiree Health Reimbursement Plan and Trust, founded in 2010, is a micro nonprofit in the Mutual Benefit sector that reported $80K in total revenue in fiscal year 2024. Revenue decreased 17% compared to the prior year. Expenses of $191K exceeded revenue, resulting in a 137% operating deficit.

Mission

The mission of the Trust is to provide a means for public sector employees of state and/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 (2024)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $80,400

Investment Income $0

Other Revenue $0

TOTAL REVENUE $80,400

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $190,521

Other Expenses $32,741

TOTAL EXPENSES $190,521

Year-over-Year Comparison

	2024	2023	Change
Revenue	$80,400	$97,275	-0.2%
Expenses	$190,521	$184,619	+0.0%
Net Income	$-110,121	$-87,344	+0.3%

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

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	Role	Reportable Comp	Other Comp	Total
Nationwide Trust Company FSB	Trustee		$0	$0	$0
Paula Miller	Chief Trust Officer	Officer	$0	$0	$0
Holly Jerig	Trust Officer	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
2025	$80,400	$190,521	$3,510,818	$-110,121
2024	$97,275	$184,619	$3,498,191	$-87,344
2023	$89,200	$153,929	$3,451,581	$-64,729
2022	$94,400	$85,341	$3,402,906	$9,059
2021	$299,597	$95,311	$3,364,362	$204,286
2020	$264,569	$103,418	$3,160,076	$161,151

County of San Joaquin CA Retiree Health Reimbursement Plan and Trust