Upper Peninsula Plumbers and Pipefitters Health (EIN 386111803) - 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

1965

Legal Domicile

Tax Period

2023-07-01 to 2024-06-30

Upper Peninsula Plumbers and Pipefitters Health, founded in 1965, is a community nonprofit that reported $5.5M in total revenue in fiscal year 2023. Expenses of $4.9M left a modest 10% surplus.

Mission

TO PROVIDE HEALTH & WELFARE BENEFITS TO ELIGIBLE PLAN PARTICIPANTS, UNDER THE TERMS OF THE PLAN

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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 $4,886,170

Investment Income $301,949

Other Revenue $280,648

TOTAL REVENUE $5,468,767

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $4,939,372

Other Expenses $488,289

TOTAL EXPENSES $4,939,372

Year-over-Year Comparison

	2023	2022	Change
Revenue	$5,468,767	$5,153,967	+0.1%
Expenses	$4,939,372	$5,013,523	0.0%
Net Income	$529,395	$140,444	+2.8%

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

$192,784

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
DEAN GUTZMAN	TRUSTEE	1.00	Director	$0	$0	$98,394
SCOTT PENDEGRAFT	TRUSTEE	1.00	Director	$0	$0	$94,390
DAN OSTOLA	TRUSTEE	1.00	Director	$0	$0	$0
SCOTT THRASHER	TRUSTEE	1.00	Director	$0	$0	$0
KIP ZILISCH	TRUSTEE	1.00	Director	$0	$0	$0
YATES VANDEN HEUVEL	TRUSTEE	1.00	Director	$0	$0	$0
ERIC BREY	TRUSTEE	1.00	Director	$0	$0	$0
JAMES MONSON	TRUSTEE	1.00	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	No data	No data	No data	No data
2024	$5,468,767	$4,939,372	$10,393,768	$529,395
2023	$5,153,967	$5,013,523	$9,890,325	$140,444
2022	$4,544,350	$4,660,387	$10,026,780	$-116,037
2021	$4,577,812	$5,042,420	$10,930,669	$-464,608
2020	$4,558,599	$3,369,017	$10,957,752	$1,189,582
2019	$5,313,715	$4,592,455	$10,432,129	$721,260
2018	$4,992,386	$3,804,233	$9,465,728	$1,188,153

Upper Peninsula Plumbers and Pipefitters Health