PLUMBERS LOCAL 75 HEALTH FUND (EIN 396045202) - 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

1955

Legal Domicile

Principal Officer

DAVE KOZINSKI

Phone

4145773700

Tax Period

2024-01-01 to 2024-12-31

PLUMBERS LOCAL 75 HEALTH FUND, founded in 1955, is a mid-sized nonprofit that reported $18.0M in total revenue in fiscal year 2024. Expenses of $15.5M left a modest 14% surplus.

Mission

TO PROVIDE HEALTH BENEFITS TO MEMBERS.

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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 $17,189,714

Investment Income $834,612

Other Revenue $0

TOTAL REVENUE $18,024,326

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Other Expenses $2,896,458

TOTAL EXPENSES $15,527,773

Year-over-Year Comparison

	2024	2023	Change
Revenue	$18,024,326	$17,160,113	+0.1%
Expenses	$15,527,773	$13,892,049	+0.1%
Net Income	$2,496,553	$3,268,064	-0.2%

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

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

$275,684

Total Directors

$770,665

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
STEVE BREITLOW	SECRETARY/TREASURER	1.00	Officer Director	$0	$106,876	$275,684
VINCE GALLO	LABOR TRUSTEE	1.00	Director	$0	$95,581	$245,077
DONALD BRUNNER	LABOR TRUSTEE	1.00	Director	$0	$95,581	$245,077
JOHN BRENNAN III	CHAIRMAN	1.00	Officer Director	$0	$0	$0
JONATHAN KOWALSKI	EMPLOYER TRUSTEE	1.00	Director	$0	$0	$0
SAL ANGELO	EMPLOYER TRUSTEE	1.00	Director	$0	$0	$0
CHRIS HORNER	EMPLOYER TRUSTEE	1.00	Director	$0	$0	$0
NICHOLAS GASPERETTI	LABOR TRUSTEE	1.00	Director	$0	$1,497	$4,827

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	$18,024,326	$15,527,773	$30,256,267	$2,496,553
2023	$17,160,113	$13,892,049	$26,281,177	$3,268,064
2022	$15,678,456	$13,106,166	$21,079,206	$2,572,290
2021	$14,906,912	$14,769,404	$20,762,705	$137,508
2020	$14,763,842	$12,625,385	$20,368,389	$2,138,457
2019	$14,826,804	$12,551,426	$16,761,863	$2,275,378
2018	$14,116,419	$12,861,282	$13,699,291	$1,255,137

PLUMBERS LOCAL 75 HEALTH FUND