THE TRAVELERS EMPLOYEE BENEFIT TRU… - Form 990 Financial Data

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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

2004

Legal Domicile

Phone

6513107101

Tax Period

2024-01-01 to 2024-12-31

THE TRAVELERS EMPLOYEE BENEFIT TRUST, founded in 2004, is a major nonprofit that reported $472.2M in total revenue in fiscal year 2024. Revenue grew 12% year-over-year, indicating healthy expansion.

Mission

PROVIDE EMPLOYEE BENEFITS TO ELIGIBLE TRAVELERS COMPANIES, INC. EMPLOYEES AND RETIREES.

Program Service Accomplishments

Program 1

Expenses: $434,579,560 Revenue: $428,640,556

Medical: Benefits Incured $424,648,326 Administrative Fee $5,761,209 Reserve Increase $3,338,000 Medical Premium Paid and Payable $832,025

Program 2

Expenses: $25,164,889 Revenue: $24,410,821

Dental: Benefits Incurred $24,842,472 Administrative Fee $321,417 Reserve Increase $1,000

Program 3

Expenses: $18,420,133 Revenue: $18,999,917

LTD: Benefits Incurred $16,831 Administrative Fee $250,171 Reserve Decrease ($12,132) Life Premium Paid and Payable $18,165,263

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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 $472,051,294

Investment Income $193,129

Other Revenue $0

TOTAL REVENUE $472,244,423

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $478,164,582

Other Expenses $28,656,953

TOTAL EXPENSES $478,164,582

Year-over-Year Comparison

	2024	2023	Change
Revenue	$472,244,423	$421,368,798	+0.1%
Expenses	$478,164,582	$436,346,959	+0.1%
Net Income	$-5,920,159	$-14,978,161	-0.6%

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

N/A

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

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
N/A	NA TRUSTEE	0.00		$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	$472,244,423	$478,164,582	$24,438,882	$-5,920,159
2023	$421,368,798	$436,346,959	$27,477,551	$-14,978,161
2022	$391,855,239	$395,913,176	$44,528,915	$-4,057,937
2021	$378,506,075	$377,654,413	$45,092,183	$851,662
2020	$404,241,012	$382,395,510	$47,717,953	$21,845,502

THE TRAVELERS EMPLOYEE BENEFIT TRUST