UNITED CONTRACTORS INC EMPLOYEE BENEFIT PLAN (EIN 421238464) - 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

1990

Legal Domicile

Principal Officer

JUSTIN BOWN

Phone

5152766162

Tax Period

2024-07-01 to 2025-06-30

UNITED CONTRACTORS INC EMPLOYEE BENEFIT PLAN, founded in 1990, is a community nonprofit that reported $2.1M in total revenue in fiscal year 2024. Revenue surged 34% from the prior year, signaling strong growth momentum. Expenses of $1.8M left a modest 11% surplus.

Mission

PROVIDE HEALTH & WELFARE BENEFITS FOR EMPLOYEES

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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 $1,590,438

Investment Income $3

Other Revenue $479,796

TOTAL REVENUE $2,070,237

Expense Breakdown

Grants Paid $0

Salaries & Benefits $448

Fundraising Expenses $0

Other Expenses $392,220

TOTAL EXPENSES $1,838,769

Year-over-Year Comparison

	2024	2023	Change
Revenue	$2,070,237	$1,550,050	+0.3%
Expenses	$1,838,769	$1,491,686	+0.2%
Net Income	$231,468	$58,364	+3.0%

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

N/A

Employees

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	Role	Reportable Comp	Other Comp	Total
BRIAN WILLEM	TRUSTEE	Director	$0	$0	$0
STEVE SANDQUIST	TRUSTEE	Director	$0	$0	$0
MIKE JEFFRIES	TRUSTEE	Director	$0	$0	$0
DAVID SANDQUIST	TRUSTEE	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
2025	$2,070,237	$1,838,769	$377,385	$231,468
2024	$1,550,050	$1,491,340	$145,917	$58,710
2023	$1,492,809	$1,498,508	$87,553	$-5,699
2022	$1,492,844	$1,406,837	$93,409	$86,007
2021	$1,103,206	$1,449,116	$6,899	$-345,910
2020	$1,453,138	$1,405,009	$352,809	$48,129
2019	$1,161,522	$1,268,422	$304,151	$-106,900

UNITED CONTRACTORS INC EMPLOYEE BENEFIT PLAN