MEA MESSA AND MEA FINANCIAL SERVICES RETIREE HEALTH AND WELFARE BENEFIT PLAN (EIN 383306252) - 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

1995

Legal Domicile

Principal Officer

BRUCE REAUME

Phone

5173327679

Tax Period

2024-09-01 to 2025-08-31

MEA MESSA AND MEA FINANCIAL SERVICES RETIREE HEALTH AND WELFARE BENEFIT PLAN, founded in 1995, is a mid-sized nonprofit that reported $14.9M in total revenue in fiscal year 2024. Revenue surged 380% from the prior year, signaling strong growth momentum. The organization ran a surplus of $5.7M, a strong 38% operating margin.

Mission

TO PROVIDE POST-RETIREMENT HEALTH BENEFITS TO ELIGIBLE RETIREES AND THEIR 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 (2024)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $0

Investment Income $14,943,010

Other Revenue $0

TOTAL REVENUE $14,943,010

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Other Expenses $329,627

TOTAL EXPENSES $9,233,165

Year-over-Year Comparison

	2024	2023	Change
Revenue	$14,943,010	$3,114,305	+3.8%
Expenses	$9,233,165	$8,781,470	+0.1%
Net Income	$5,709,845	$-5,667,165	-2.0%

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

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
AARON ELING	DIRECTOR	0.25	Director	$0	$0	$0
CHANDRA MADAFFERI	DIRECTOR	0.25	Director	$0	$0	$0
ERIK EDOFF	DIRECTOR	0.25	Director	$0	$0	$0
ROSS WILSON	DIRECTOR	0.25	Director	$0	$0	$0
BRETT SMITH	VICE CHAIR	0.25	Officer Director	$0	$0	$0
BRUCE REAUME	CHAIR	0.50	Officer Director	$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	$14,943,010	$9,233,165	$279,819,462	$5,709,845
2024	$3,114,305	$8,781,470	$264,039,908	$-5,667,165
2023	$8,151,749	$8,541,509	$235,250,383	$-389,760
2022	$6,097,808	$8,317,155	$225,182,660	$-2,219,347
2021	$14,613,662	$8,785,611	$269,444,575	$5,828,051
2020	$27,453,950	$9,841,645	$231,453,762	$17,612,305
2019	$11,441,342	$10,754,175	$218,146,520	$687,167

MEA MESSA AND MEA FINANCIAL SERVICES RETIREE HEALTH AND WELFARE BENEFIT PLAN