National Employees Health Plan (EIN 386440898) - 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

1982

Legal Domicile

Principal Officer

Steven Nobles

Phone

5866934811

Tax Period

2023-11-01 to 2024-10-31

National Employees Health Plan, founded in 1982, is a mid-sized nonprofit that reported $17.1M in total revenue in fiscal year 2023. Expenses of $16.2M left a modest 5% surplus.

Mission

To provide health, life, accidental death and dismemberment, prescription drug, dental and vision benefits, and disability benefits to qualified participants.

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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 $16,612,273

Investment Income $477,108

Other Revenue $14,998

TOTAL REVENUE $17,104,379

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $16,230,983

Other Expenses $641,414

TOTAL EXPENSES $16,230,983

Year-over-Year Comparison

	2023	2022	Change
Revenue	$17,104,379	$16,304,137	+0.0%
Expenses	$16,230,983	$15,902,355	+0.0%
Net Income	$873,396	$401,782	+1.2%

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

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
Steve Nobles	Chairman	002.00	Director	$0	$0	$0
Steve Myers	Labor Trustee	002.00	Director	$0	$0	$0
Josh Zivalich	Labor Trustee	002.00	Director	$0	$0	$0
John Nutall	Management Trustee	002.00	Director	$0	$0	$0
John Morey	Management Trustee	002.00	Director	$0	$0	$0
James Pope	Management Trustee	002.00	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
2024	$17,104,379	$16,230,983	$14,161,996	$873,396
2023	$16,304,137	$15,902,355	$12,246,649	$401,782
2021	No data	No data	No data	No data
2020	$21,659,236	$20,888,370	$9,098,495	$770,866
2019	$29,270,435	$29,164,647	$8,870,294	$105,788
2018	$31,572,702	$31,668,897	$9,395,097	$-96,195

National Employees Health Plan