GATEWAY BUSINESS HEALTH COALITION FKA - STL AREA BUSINESS HEALTH COALITION (EIN 431694859) - 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

1994

Legal Domicile

Principal Officer

LAUREL PICKERING

Phone

3147217800

Tax Period

2024-10-01 to 2024-12-31

GATEWAY BUSINESS HEALTH COALITION FKA - STL AREA BUSINESS HEALTH COALITION, founded in 1994, is a small nonprofit in the Unknown sector that reported $216K in total revenue in fiscal year 2024. Revenue fell 86% from the prior year — a significant decline worth monitoring. The organization ran a surplus of $93K, a strong 43% operating margin.

Mission

TO SUPPORT EMPLOYER EFFORTS TO IMPROVE THE WELL-BEING OF THEIR ENROLLEES AND ENHANCE THE QUALITY AND OVERALL VALUE OF THEIR INVESTMENTS IN HEALTH BENEFITS.

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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 $206,340

Program Service Revenue $5,500

Investment Income $4,444

Other Revenue $0

TOTAL REVENUE $216,284

Expense Breakdown

Grants Paid $50,000

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $110,706

Other Expenses $73,392

TOTAL EXPENSES $123,392

Year-over-Year Comparison

	2024	2023	Change
Revenue	$216,284	$1,534,410	-0.9%
Expenses	$123,392	$1,310,907	-0.9%
Net Income	$92,892	$223,503	-0.6%

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

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
LOUISE PROBST	EXECUTIVE DIRECTOR	0.00		$0	$8,851	$171,082
LAUREL PICKERING	PRESIDENT & CEO	0.00		$0	$12,062	$160,314
KELCI HANNAN	RESEARCH/ANALYTICS	0.00		$0	$16,546	$122,761
DAVID HEATON	PHARMACY MGMT	0.00		$0	$13,815	$104,569
John Ziegler	President	2.00	Officer Director	$0	$0	$0
Linda Brady	Vice President	2.00	Officer Director	$0	$0	$0
Dave Toben	Imm. Past Chair	2.00	Officer Director	$0	$0	$0
Marla Langenhorst	Treasurer	2.00	Officer Director	$0	$0	$0
Alison Casler	Member	0.50	Director	$0	$0	$0
Misi Holmberg	Member	0.50	Director	$0	$0	$0
Mickey Luna	Member	0.50	Director	$0	$0	$0
Valerie Peters	Member	0.50	Director	$0	$0	$0
Mark Riley	Member	0.50	Director	$0	$0	$0
Kristine Schuster	Member	0.50	Director	$0	$0	$0
Chad Thompson	Member	0.50	Director	$0	$0	$0
Kirsten Tidd	Member	0.50	Director	$0	$0	$0
Patty Bedborough	Member	0.50	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	$216,284	$123,392	$989,917	$92,892
2024	$1,534,410	$1,310,907	$897,025	$223,503
2023	$1,542,048	$1,795,376	$673,522	$-253,328
2022	$1,689,981	$1,707,790	$926,850	$-17,809
2021	$1,557,169	$1,623,661	$944,659	$-66,492
2020	$1,679,377	$1,595,867	$1,011,151	$83,510
2019	$1,690,842	$1,661,797	$927,641	$29,045
2018	$1,535,264	$1,637,407	$898,596	$-102,143

GATEWAY BUSINESS HEALTH COALITION FKA - STL AREA BUSINESS HEALTH COALITION