CONSUMERS ENERGY NON-UNION WBT TO PROVIDE FOR RETIREE LIFE INSURANCE (EIN 383250623) - 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

1994

Legal Domicile

Principal Officer

THE NORTHERN TRUST CO

Phone

8004775050

Tax Period

2024-01-01 to 2024-12-31

CONSUMERS ENERGY NON-UNION WBT TO PROVIDE FOR RETIREE LIFE INSURANCE, founded in 1994, is a community nonprofit that reported $2.1M in total revenue in fiscal year 2024. Revenue surged 36% from the prior year, signaling strong growth momentum. The organization ran a surplus of $954K, a strong 46% operating margin.

Mission

TO PROVIDE FOR RETIREE LIFE INSURANCE AND OTHER BENEFITS

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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 $0

Investment Income $2,061,672

Other Revenue $0

TOTAL REVENUE $2,061,672

Expense Breakdown

Grants Paid $0

Salaries & Benefits $5,766

Fundraising Expenses $0

Program Expenses $1,107,813

Other Expenses $252,378

TOTAL EXPENSES $1,107,813

Year-over-Year Comparison

	2024	2023	Change
Revenue	$2,061,672	$1,517,813	+0.4%
Expenses	$1,107,813	$1,971,346	-0.4%
Net Income	$953,859	$-453,533	-3.1%

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
KENDRA K GROB	DIRECTOR OF EMPLOYEE BENEF	0.00	Director	$0	$0	$0
N/A	TRUSTEE	40.00		$5,766	$0	$5,766

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	No data	No data	No data	No data
2024	$2,061,672	$1,107,813	$52,116,395	$953,859
2023	$1,517,813	$1,971,346	$47,224,696	$-453,533
2022	$2,373,632	$1,544,670	$42,431,037	$828,962
2021	$3,072,541	$1,835,185	$51,001,641	$1,237,356
2020	$1,340,401	$611,936	$46,208,718	$728,465
2019	$1,035,047	$770,724	$41,247,770	$264,323
2018	$1,377,637	$856,756	$35,436,521	$520,881

CONSUMERS ENERGY NON-UNION WBT TO PROVIDE FOR RETIREE LIFE INSURANCE