DICKENSON-RUSSELL CONTURA LLC BENEFITS TRUST (EIN 453817426) - Form 990 Financial Analysis & Trantor Score

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Tuckman-Chang Vulnerability Assessment

4 risk indicators measuring financial stability and operational resilience

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Financial Trends

Organization Details

Formation Year

2011

Legal Domicile

Principal Officer

KRISTIE KESTNER

Phone

2766797054

Tax Period

2024-01-01 to 2024-12-31

DICKENSON-RUSSELL CONTURA LLC BENEFITS TRUST, founded in 2011, is a micro nonprofit in the Mutual Benefit sector that reported $21K in total revenue in fiscal year 2019. Revenue surged 26% from the prior year, signaling strong growth momentum. The organization ran a surplus of $19K, a strong 89% operating margin.

Mission

THE TRUST IS A 501(C)(9) ORGANIZATION DESIGNED TO FUND THE COST OF MEDICAL CARE EXPENSES AND REIMBURSEMENTS FOR ELIGIBLE PARTICIPANTS IN THE DICKENSON RUSSELL HEALTH REIMBURSEMENT ACCOUNT PLAN.

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Trantor Score

Financial Health & Payment Capacity Assessment (FICO Scale: 300–850)

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Liquidity (40%) • Solvency (30%) • Sustainability (20%) • Efficiency (10%)

Financial Overview (2024)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $0

Investment Income $49,496

Other Revenue $0

TOTAL REVENUE $49,496

Expense Breakdown

Grants Paid $0

Salaries & Benefits $1,000

Fundraising Expenses $0

Program Expenses $15,199

Other Expenses $0

TOTAL EXPENSES $16,199

Year-over-Year Comparison

	2024	2023	Change
Revenue	$49,496	$19,074	+1.6%
Expenses	$16,199	$17,608	-0.1%
Net Income	$33,297	$1,466	+21.7%

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

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
KRISTIE KESTNER	TRUSTEE	1.00	Director	$0	$0	$0
KEN HOLBROOK	TRUSTEE	1.00	Director	$0	$0	$0
N/A	INSTITUTIONAL TRUSTEE	1.00		$1,000	$0	$1,000

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
2025	No data	No data	No data	No data
2024	$49,496	$16,199	$725,062	$33,297
2023	$19,074	$17,608	$672,773	$1,466
2022	$10,913	$32,309	$588,440	$-21,396
2021	$21,158	$24,946	$736,670	$-3,788
2020	$21,819	$9,304	$628,267	$12,515
2019	$21,030	$2,220	$518,423	$18,810

DICKENSON-RUSSELL CONTURA LLC BENEFITS TRUST