Wells Fargo & Co Employee Benefit Trust (EIN 411340042) - 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

1979

Legal Domicile

Principal Officer

Jeff Roy

Phone

9802210098

Tax Period

2024-01-01 to 2024-12-31

Wells Fargo & Co Employee Benefit Trust, founded in 1979, is a large national nonprofit that reported $2.7B in total revenue in fiscal year 2024.

Mission

The trust was established to provide employee benefits to eligible employees on Wells Fargo including medical, dental, and vision benefits.

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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 $2,665,476,051

Investment Income $4,714,296

Other Revenue $0

TOTAL REVENUE $2,670,190,347

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $2,653,497,605

Other Expenses $327,900,923

TOTAL EXPENSES $2,653,497,605

Year-over-Year Comparison

	2024	2023	Change
Revenue	$2,670,190,347	$2,546,117,456	+0.0%
Expenses	$2,653,497,605	$2,568,229,545	+0.0%
Net Income	$16,692,742	$-22,112,089	-1.8%

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

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
Principal Financial Group	Institutional Trustee	N/A		$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	$2,670,190,347	$2,653,497,605	$14,146,382	$16,692,742
2023	$2,546,117,456	$2,568,229,545	$1,778,994	$-22,112,089
2022	$2,583,732,474	$2,576,947,413	$19,565,729	$6,785,061
2021	$2,769,870,482	$2,767,506,640	$12,780,668	$2,363,842
2020	$2,613,162,627	$2,613,553,350	$10,416,826	$-390,723
2019	$2,545,434,137	$2,566,152,174	$10,807,549	$-20,718,037
2018	$2,600,769,146	$2,605,619,080	$31,525,586	$-4,849,934

Wells Fargo & Co Employee Benefit Trust