HEALTH AND WELFARE TRUST FOR THE

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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

2016

Legal Domicile

Principal Officer

PRINCIPAL BANK - PCS TAX

Phone

6025620883

Tax Period

2023-01-01 to 2023-12-31

HEALTH AND WELFARE TRUST FOR THE, founded in 2016, is a mid-sized nonprofit in the Employment sector that reported $37.0M in total revenue in fiscal year 2023. Revenue grew 8% year-over-year, indicating healthy expansion.

Mission

The Trust is for the payment of benefits of eligible employees (and their dependents, if applicable) of Constellis, LLC and its affiliated employers that are members of a controlled group of corporations, within the meaning of Internal Revenue Code Section 414(b) and that have adopted the Plans.

Program Service Accomplishments

Program 1

The Trust is for the payment of benefits of eligible employees (and their dependents, if applicable) of Constellis, LLC and its affiliated employers that are members of a controlled group of...

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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 $36,993,545

Investment Income $31,102

Other Revenue $0

TOTAL REVENUE $37,024,647

Expense Breakdown

Grants Paid $0

Salaries & Benefits $18,000

Fundraising Expenses $0

Other Expenses $14,961

TOTAL EXPENSES $36,716,638

Year-over-Year Comparison

	2023	2022	Change
Revenue	$37,024,647	$34,134,969	+0.1%
Expenses	$36,716,638	$34,133,970	+0.1%
Net Income	$308,009	$999	+307.3%

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	Hours/Week	Role	Reportable Comp	Other Comp	Total
PRINCIPAL BANK - PCS TAX	TRUSTEE	1.0		$18,000	$0	$18,000

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	$37,024,647	$36,716,638	$914,688	$308,009
2022	$34,134,969	$34,133,970	$606,678	$999