ST LOUIS GRAPHIC ARTS JOINT HEALTH & WELFARE FUND (EIN 431178602) - 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

STEVE LANDER

Phone

3148781579

Tax Period

2024-07-01 to 2025-06-30

ST LOUIS GRAPHIC ARTS JOINT HEALTH & WELFARE FUND, founded in 1979, is a small nonprofit that reported $452K in total revenue in fiscal year 2024. Revenue surged 53% from the prior year, signaling strong growth momentum. Net assets of $3.3M represent 88 months of operating reserves.

Mission

PROVIDE MEDICAL, DISABILITY, AND LIFE INSURANCE BENEFITS - TO EMPLOYEES COVERED BY THE COLLECTIVE BARGAINING AGREEMENTS

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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 $150,496

Investment Income $301,301

Other Revenue $266

TOTAL REVENUE $452,063

Expense Breakdown

Grants Paid $0

Salaries & Benefits $95,776

Fundraising Expenses $0

Other Expenses $69,928

TOTAL EXPENSES $489,735

Year-over-Year Comparison

	2024	2023	Change
Revenue	$452,063	$296,211	+0.5%
Expenses	$489,735	$506,029	0.0%
Net Income	$-37,672	$-209,818	-0.8%

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

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
ROBERT EBEL	TRUSTEE	4.00	Director	$0	$0	$0
MIKE JONES	TRUSTEE	4.00	Officer Director	$0	$0	$0
STEVE LANDER	CHAIRMAN	4.00	Officer Director	$0	$0	$0
GARY ADAMS	TRUSTEE	4.00	Director	$0	$0	$0
RONALD BECKER	EXITING TRUSTEE	4.00	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	$452,063	$489,735	$3,302,778	$-37,672
2024	$296,211	$506,029	$3,364,474	$-209,818
2023	$304,349	$631,996	$3,460,238	$-327,647
2022	$705,334	$718,996	$3,708,510	$-13,662
2021	$691,756	$795,396	$4,372,578	$-103,640
2020	$705,379	$821,020	$4,175,155	$-115,641
2019	$957,712	$1,241,261	$4,342,056	$-283,549
2018	$3,366,903	$3,346,514	$4,610,173	$20,389

ST LOUIS GRAPHIC ARTS JOINT HEALTH & WELFARE FUND