EMCC Veba-Retiree Medical Benefits Master Trust (EIN 421487090) - 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

1998

Legal Domicile

Principal Officer

Ron Herman

Phone

5153452788

Tax Period

2024-01-01 to 2024-12-31

EMCC Veba-Retiree Medical Benefits Master Trust, founded in 1998, is a community nonprofit in the Mutual Benefit sector that reported $4.1M in total revenue in fiscal year 2024. Revenue decreased 8% compared to the prior year. Expenses of $3.7M left a modest 8% surplus.

Mission

Provide health care and life insurance benefits to the qualified retirees of Employers Mutual Casualty Company, its subsidiaries, and qualified retirees of EMC National Life Company

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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 $0

Investment Income $4,069,737

Other Revenue $0

TOTAL REVENUE $4,069,737

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Other Expenses $1,595,151

TOTAL EXPENSES $3,735,234

Year-over-Year Comparison

	2024	2023	Change
Revenue	$4,069,737	$4,412,079	-0.1%
Expenses	$3,735,234	$4,156,822	-0.1%
Net Income	$334,503	$255,257	+0.3%

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	Institutional Trustee	0.00		$7,821	$0	$7,821

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	$4,069,737	$3,735,234	$42,907,970	$334,503
2023	$4,412,079	$4,156,822	$41,992,880	$255,257
2022	$4,771,053	$5,903,334	$40,821,035	$-1,132,281
2021	$6,705,492	$31,988,677	$52,930,864	$-25,283,185
2021	$6,705,492	$29,911,665	$53,556,297	$-23,206,173
2020	$4,618,485	$5,516,549	$79,468,699	$-898,064

EMCC Veba-Retiree Medical Benefits Master Trust