EMPLOYEE BENEFIT TRUST FOR EMPLOYEES OF LIFE INC (EIN 452956798) - 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

2011

Legal Domicile

Principal Officer

WILSON RAYNOR

Phone

9197781900

Tax Period

2024-01-01 to 2024-12-31

EMPLOYEE BENEFIT TRUST FOR EMPLOYEES OF LIFE INC, founded in 2011, is a community nonprofit in the Mutual Benefit sector that reported $1.8M in total revenue in fiscal year 2024. Revenue decreased 6% compared to the prior year. Expenses of $1.6M left a modest 10% surplus.

Mission

TO PROVIDE LIFE, HEALTH AND ACCIDENT INSURANCE AND OTHER BENEFITS FOR THE EMPLOYEES OF LIFE,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 $1,769,597

Investment Income $0

Other Revenue $0

TOTAL REVENUE $1,769,597

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Other Expenses $305,546

TOTAL EXPENSES $1,586,935

Year-over-Year Comparison

	2024	2023	Change
Revenue	$1,769,597	$1,874,130	-0.1%
Expenses	$1,586,935	$1,899,774	-0.2%
Net Income	$182,662	$-25,644	-8.1%

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

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
WILSON RAYNOR	TRUSTEE	1.00	Director	$0	$0	$0
SUSAN AYERS	TRUSTEE	1.00	Director	$0	$0	$0
RICKY SMITH	TRUSTEE	1.00	Director	$0	$0	$0
TRINETTE BOWSER	TRUSTEE	1.00	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
2024	$1,769,597	$1,586,935	$954,726	$182,662
2023	$1,874,130	$1,899,774	$772,064	$-25,644
2022	$1,541,080	$1,447,124	$797,708	$93,956
2021	$1,625,405	$1,548,660	$703,752	$76,745
2020	$1,282,465	$1,394,458	$627,007	$-111,993
2019	$1,330,586	$1,265,634	$739,000	$64,952
2018	$1,075,442	$1,260,666	$706,004	$-185,224

EMPLOYEE BENEFIT TRUST FOR EMPLOYEES OF LIFE INC