BMWE HEALTH & WELFARE PLAN FOR OCCUPATIONALLY DISABLED MEMBERS (EIN 412122976) - 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

2004

Legal Domicile

Principal Officer

RICKY CHAMBERS

Phone

6158590131

Tax Period

2024-01-01 to 2024-12-31

BMWE HEALTH & WELFARE PLAN FOR OCCUPATIONALLY DISABLED MEMBERS, founded in 2004, is a community nonprofit in the Mutual Benefit sector that reported $1.6M in total revenue in fiscal year 2024. The organization ran a surplus of $1.2M, a strong 74% operating margin.

Mission

PROVISION OF BENEFITS TO 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 (2024)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $760,824

Investment Income $816,625

Other Revenue $0

TOTAL REVENUE $1,577,449

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Other Expenses $210,857

TOTAL EXPENSES $404,380

Year-over-Year Comparison

	2024	2023	Change
Revenue	$1,577,449	$1,562,610	+0.0%
Expenses	$404,380	$417,471	0.0%
Net Income	$1,173,069	$1,145,139	+0.0%

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
LEN BUCKLEY	TRUSTEE	2.00	Director	$0	$0	$0
RICKY CHAMBERS	SECRETARY	2.00	Officer Director	$0	$0	$0
ANDREW SHELTON	TRUSTEE	2.00	Director	$0	$0	$0
NATHANIEL TRAWICK	CHAIRMAN	2.00	Officer 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	$1,577,449	$404,380	$12,121,855	$1,173,069
2023	$1,562,610	$417,471	$10,964,164	$1,145,139
2022	$-334,357	$413,985	$9,812,398	$-748,342
2021	$1,255,062	$521,409	$10,530,866	$733,653
2020	$1,353,629	$664,694	$9,797,055	$688,935
2019	$1,664,808	$575,925	$9,110,826	$1,088,883
2018	$828,317	$1,205,957	$8,024,131	$-377,640

BMWE HEALTH & WELFARE PLAN FOR OCCUPATIONALLY DISABLED MEMBERS