Palo Alto Foundation Medical Group Inc Retiree Health Plan Trust (EIN 450596973) - 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

2008

Legal Domicile

Principal Officer

DR AMY E ADAMS

Phone

6506916151

Tax Period

2024-01-01 to 2024-12-31

Palo Alto Foundation Medical Group Inc Retiree Health Plan Trust, founded in 2008, is a small nonprofit in the Mutual Benefit sector that reported $636K in total revenue in fiscal year 2024. Revenue fell 50% from the prior year — a significant decline worth monitoring. Expenses of $1.4M exceeded revenue, resulting in a 116% operating deficit.

Mission

The plan was established to provide post retirement healthcare benefits to eligible employees of Palo Alto Foundation Medical Group, Inc.

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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 $251,803

Investment Income $384,063

Other Revenue $0

TOTAL REVENUE $635,866

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Other Expenses $171,599

TOTAL EXPENSES $1,376,326

Year-over-Year Comparison

	2024	2023	Change
Revenue	$635,866	$1,270,533	-0.5%
Expenses	$1,376,326	$1,555,178	-0.1%
Net Income	$-740,460	$-284,645	+1.6%

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

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
DANIEL STUCKER	ADMINISTRATOR	1.0	Officer Director	$0	$0	$0
PATRICK FANN	ADMINISTRATOR	1.0	Officer Director	$0	$0	$0
ROSS DEHOVITZ	ADMINISTRATOR (FORMER)	0.0	Officer Director	$0	$0	$0
BRIAN BRUNELLI	ADMINISTRATOR	1.0	Officer Director	$0	$0	$0
TIMOTHY ALLARI	ADMINISTRATOR	1.0	Officer Director	$0	$0	$0
AMY ADAMS	Administrator	1.0	Officer Director	$0	$0	$0
JOHN PESTANER	Administrator	1.0	Officer Director	$0	$0	$0
AMY SHEH	ADMINISTRATOR	1.0	Officer Director	$0	$0	$0
STEPHEN RYU	ADMINISTRATOR	1.0	Officer Director	$0	$0	$0
PAUL KRAUSE	ADMINISTRATOR	1.0	Officer Director	$0	$0	$0
EVELYN KHOO	ADMINISTRATOR	1.0	Officer Director	$0	$0	$0
MINERVA NAVARRO	ADMINISTRATOR	1.0	Officer Director	$0	$0	$0
SWATHI NALLAPA	ADMINISTRATOR	1.0	Officer Director	$0	$0	$0
NICHOLAS TODD	ADMINISTRATOR	1.0	Officer Director	$0	$0	$0
LAWRENCE HSU	ADMINISTRATOR	1.0	Officer Director	$0	$0	$0
ALBERT LU	ADMINISTRATOR	1.0	Officer Director	$0	$0	$0
TERESA FU	ADMINISTRATOR	1.0	Officer Director	$0	$0	$0
KURT VANDEVORT	ADMINISTRATOR	1.0	Officer	$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	$635,866	$1,376,326	$15,471,888	$-740,460
2023	$1,270,533	$1,555,178	$15,208,169	$-284,645
2022	$631,504	$1,310,632	$14,680,519	$-679,128
2021	$2,529,694	$1,870,076	$18,376,435	$659,618
2020	$5,326,104	$10,059,432	$18,598,758	$-4,733,328
2019	$1,618,442	$1,002,263	$25,257,891	$616,179
2018	$1,468,352	$917,284	$21,214,510	$551,068

Palo Alto Foundation Medical Group Inc Retiree Health Plan Trust