MONTANA FOOD DISTRIBUTORS GROUP BE… - Form 990 Financial Data

🔒

Financial Vulnerability Assessment (Tuckman-Chang)

4 risk indicators measuring financial stability and operational resilience

Sign in with your work email to view Tuckman-Chang indicators

Financial Trends

Organization Details

Formation Year

2015

Legal Domicile

Principal Officer

RON RAMSBACHER

Phone

4064496394

Tax Period

2019-01-01 to 2019-12-31

MONTANA FOOD DISTRIBUTORS GROUP BENEFIT TRUST, founded in 2015, is a community nonprofit that reported $2.8M in total revenue in fiscal year 2019. Revenue fell 25% from the prior year — a significant decline worth monitoring. Expenses of $3.2M exceeded revenue, resulting in a 13% operating deficit.

Mission

THE TRUST WAS ORGANIZED AS A VOLUNTARY EMPLOYEES' BENEFICIARY ASSOCIATION (VEBA). EMPLOYEES OF MONTANA FOOD DISTRIBUTORS ARE ELIGIBLE TO PARTICIPATE IN THE VEBA. THE TRUST PROVIDES FOR HOSPITAL, MEDICAL, SURGICAL, DEATH, OPTICAL AND DENTAL BENEFITS FOR ELIGIBLE PARTICIPANTS.

Program Service Accomplishments

Program 1

Expenses: $3,113,091 Revenue: $2,809,155

GROUP INSURANCE PREMIUMS FOR HOSPITAL, MEDICAL, SURGICAL, DEATH, OPTICAL, AND DENTAL BENEFITS FOR ELIGIBLE PARTICIPANTS.

🔒

Trantor Score

Financial Health Score (300–850) · Liquidity · Solvency · Sustainability · Efficiency

Sign in to view Trantor Score and financial metrics

Liquidity (40%) • Solvency (30%) • Sustainability (20%) • Efficiency (10%)

Financial Overview (2019)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $2,809,155

Investment Income $471

Other Revenue $0

TOTAL REVENUE $2,809,626

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $3,113,091

Other Expenses $3,164,223

TOTAL EXPENSES $3,164,223

Year-over-Year Comparison

	2019	2018	Change
Revenue	$2,809,626	$3,738,600	-0.2%
Expenses	$3,164,223	$3,444,218	-0.1%
Net Income	$-354,597	$294,382	-2.2%

Key Indicators

✗ Grants to Organizations ✗ Grants to Individuals ✗ Lobbying ✗ Political Activity ✗ Foreign Activities ✗ Donor Advised Fund ✗ Schedule B Required

🔒

Financial Health Indicators

Comprehensive financial analysis: Altman Z-Score, liquidity, solvency, sustainability, efficiency, and growth metrics

Financial Distress Indicator

Liquidity & Cash Position

Sign in to view all financial metrics

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

$50,000

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
RON RAMSBACHER	CHAIRMAN	1.00	Officer Director	$0	$0	$0
ADINA ROE	TRUSTEE	1.00	Director	$0	$0	$0
TRAVIS FRANDSEN	TRUSTEE	1.00	Director	$0	$0	$0
MITCH BRADLEY	TRUSTEE	1.00	Director	$0	$0	$0
MCKEE ANDERSON	EX-OFFICIO	1.00	Officer	$0	$0	$50,000

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
2019	$2,809,626	$3,164,223	$655,214	$-354,597
2018	$3,738,600	$3,444,218	$817,685	$294,382

MONTANA FOOD DISTRIBUTORS GROUP BENEFIT TRUST