L & L ENTERPRISES EMPLOYEE WELFARE BENEFIT PLAN TRUST (EIN 436875307) - 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

JAMEY LEWIS-GONZALES

Phone

6202252737

Tax Period

2023-01-01 to 2023-12-31

L & L ENTERPRISES EMPLOYEE WELFARE BENEFIT PLAN TRUST, founded in 1994, is a community nonprofit in the Mutual Benefit sector that reported $1.9M in total revenue in fiscal year 2023. Revenue grew 18% year-over-year, indicating healthy expansion.

Mission

ASSOCIATION TO PROVIDE GROUP INSURANCE BENEFITS FOR ACTIVE EMPLOYEES OF L&L ENTERPRISES AND RELATED ENTITIES.

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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 $1,870,020

Investment Income $59,266

Other Revenue $0

TOTAL REVENUE $1,929,286

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Other Expenses $61,160

TOTAL EXPENSES $2,108,041

Year-over-Year Comparison

	2023	2022	Change
Revenue	$1,929,286	$1,635,958	+0.2%
Expenses	$2,108,041	$2,024,321	+0.0%
Net Income	$-178,755	$-388,363	-0.5%

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

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
JAMEY LEWIS-GONZALES	DIRECTOR/PRESIDENT	1.00	Officer Director	$0	$0	$0
ERIN FILBERT	DIRECTOR/COMPTROLLER	1.00	Officer Director	$0	$0	$0
N/A	TRUSTEE	2.00		$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	No data	No data	No data	No data
2023	$1,929,286	$2,108,041	$438,890	$-178,755
2022	$1,635,958	$2,024,321	$609,554	$-388,363
2021	$1,765,156	$1,886,920	$1,044,145	$-121,764
2020	$1,734,714	$1,876,406	$1,201,054	$-141,692
2019	$1,708,832	$1,948,794	$1,150,521	$-239,962
2018	$1,689,258	$1,718,538	$1,157,503	$-29,280
2017	$1,244,899	$1,070,365	$1,033,575	$174,534

L & L ENTERPRISES EMPLOYEE WELFARE BENEFIT PLAN TRUST