DEARBORN SCHOOLS EMPLOYEE HEALTHCARE PROGRAM VOLUN (EIN 465215047) - 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

2014

Legal Domicile

Phone

6165505161

Tax Period

2024-01-01 to 2024-12-31

DEARBORN SCHOOLS EMPLOYEE HEALTHCARE PROGRAM VOLUN, founded in 2014, is a mid-sized nonprofit in the Mutual Benefit sector that reported $43.7M in total revenue in fiscal year 2024. Expenses of $37.6M left a modest 14% surplus.

Mission

THE ORGANIZATION PROVIDES HEALTH BENEFITS COVERING SUBSTANTIALLY ALL ACTIVE EMPLOYEES OF THE DEARBORN FEDERATION OF TEACHERS, ASSOCIATION OF DEARBORN SCHOOLS ADMINISTRATORS, DEARBORN SCHOOLS OPERATING ENGINEERS ASSOCIATION, AND DEARBORN FEDERATION OF SCHOOL EMPLOYEES.

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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 $41,874,660

Investment Income $1,778,139

Other Revenue $0

TOTAL REVENUE $43,652,799

Expense Breakdown

Grants Paid $0

Salaries & Benefits $29,069

Fundraising Expenses $0

Program Expenses $37,389,709

Other Expenses $37,597,069

TOTAL EXPENSES $37,626,138

Year-over-Year Comparison

	2024	2023	Change
Revenue	$43,652,799	$40,958,130	+0.1%
Expenses	$37,626,138	$34,153,359	+0.1%
Net Income	$6,026,661	$6,804,771	-0.1%

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

Employees

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
KIMBERLY NICHOLSON	ADMINISTRATIVE EXECUTIVE	30.00	Officer Director	$0	$0	$0
KATHI MARTIN	PRESIDENT	1.00	Officer Director	$0	$0	$0
MIKE LOWE	VICE PRESIDENT	1.00	Officer Director	$0	$0	$0
JOSH TYNAN	TREASURER	1.00	Officer Director	$0	$0	$0
AL LERINI	SECRETARY	1.00	Officer 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	$43,652,799	$37,626,138	$43,416,655	$6,026,661
2023	$40,958,130	$34,153,359	$37,270,317	$6,804,771
2022	$38,299,006	$32,575,094	$30,310,488	$5,723,912
2021	$35,608,928	$31,617,576	$24,434,738	$3,991,352
2020	$34,996,182	$31,035,941	$20,298,895	$3,960,241
2019	$34,457,066	$31,687,283	$16,501,510	$2,769,783
2018	$32,986,011	$30,601,979	$13,528,630	$2,384,032

DEARBORN SCHOOLS EMPLOYEE HEALTHCARE PROGRAM VOLUN