METAL CULVERTS INC EMPLOYEE BENEFIT FUND TRUST (EIN 431594023) - 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

BEN W BIELSKI JR

Phone

5736367312

Tax Period

2023-01-01 to 2023-12-31

METAL CULVERTS INC EMPLOYEE BENEFIT FUND TRUST, founded in 1998, is a community nonprofit that reported $1.2M in total revenue in fiscal year 2023. Revenue surged 29% from the prior year, signaling strong growth momentum. Expenses of $1.2M left a modest 5% surplus.

Mission

PROVISION OF MEDICAL AND RELATED INSURANCE BENEFIT COVERAGES TO MEMBERS.

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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 (2023)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $1,223,665

Investment Income $0

Other Revenue $0

TOTAL REVENUE $1,223,665

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Other Expenses $425,616

TOTAL EXPENSES $1,165,332

Year-over-Year Comparison

	2023	2022	Change
Revenue	$1,223,665	$951,970	+0.3%
Expenses	$1,165,332	$986,076	+0.2%
Net Income	$58,333	$-34,106	-2.7%

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

$916,205

Total Directors

$916,205

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
BEN W BIELSKI JR	TRUSTEE	1.00	Officer Director	$0	$36,057	$916,205

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	No data	No data	No data	No data
2023	$1,223,665	$1,165,332	$26,022	$58,333
2022	$951,970	$986,076	No data	$-34,106
2021	$538,716	$545,249	$1,795	$-6,533
2020	$489,060	$486,819	$8,328	$2,241
2019	$1,010,596	$1,026,649	$6,087	$-16,053
2018	$754,486	$775,212	$22,140	$-20,726

METAL CULVERTS INC EMPLOYEE BENEFIT FUND TRUST