HEALTH AND WELFARE BENEFITS TRUST FOR MAFMC EMPLOYEES AND RETIREES (EIN 461602484) - 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

2013

Legal Domicile

Principal Officer

CHRISTOPHER M MOORE

Phone

3026742331

Tax Period

2024-01-01 to 2024-12-31

HEALTH AND WELFARE BENEFITS TRUST FOR MAFMC EMPLOYEES AND RETIREES, founded in 2013, is a small nonprofit in the Mutual Benefit sector that reported $194K in total revenue in fiscal year 2024. Revenue surged 62% from the prior year, signaling strong growth momentum. The organization ran a surplus of $191K, a strong 98% operating margin.

Mission

TO FUND AND PAY VEBA BENEFITS, WHICH MIGHT INCLUDE LIFE BENEFITS, SICK AND ACCIDENT BENEFITS, AND OTHER BENEFITS. THE TRUST IS ORGANIZED AND OPERATED SOLELY FOR THESE VEBA 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 $0

Program Service Revenue $0

Investment Income $194,417

Other Revenue $0

TOTAL REVENUE $194,417

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Other Expenses $3,679

TOTAL EXPENSES $3,679

Year-over-Year Comparison

	2024	2023	Change
Revenue	$194,417	$120,076	+0.6%
Expenses	$3,679	$2,915	+0.3%
Net Income	$190,738	$117,161	+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

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
JESSICA M COAKLEY	TRUSTEE	N/A	Director	$0	$0	$0
JASON T DIDDEN	TRUSTEE	N/A	Director	$0	$0	$0
CHRISTOPHER M MOORE	TRUSTEE	N/A	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
2025	No data	No data	No data	No data
2024	$194,417	$3,679	$3,142,150	$190,738
2023	$120,076	$2,915	$2,951,412	$117,161
2022	$108,331	$1,411	$2,834,251	$106,920
2021	$127,966	$1,301	$2,727,331	$126,665
2020	$50,448	$1,210	$2,600,666	$49,238
2019	$358,824	$1,784	$2,551,428	$357,040
2018	$68,080	$1,640	$2,194,388	$66,440

HEALTH AND WELFARE BENEFITS TRUST FOR MAFMC EMPLOYEES AND RETIREES