MELWOOD HC FRINGE BENEFIT TR (EIN 467095189) - 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

Principal Officer

SAME AS ABOVE

Phone

8888663275

Tax Period

2025-01-01 to 2025-12-31

MELWOOD HC FRINGE BENEFIT TR, founded in 2014, is a mid-sized nonprofit in the Mutual Benefit sector that reported $14.6M in total revenue in fiscal year 2025. Revenue surged 24% from the prior year, signaling strong growth momentum. Expenses of $13.5M left a modest 7% surplus.

Mission

FOR THE PURPOSE OF RECEIVING HEALTH AND WELFARE CONTRIBUTIONS FROM EMPLOYER, AND PROVIDING HEALTH AND WELFARE BENEFITS FOR EMPLOYEES OF EMPLOYER.

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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 (2025)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $14,554,621

Investment Income $15,506

Other Revenue $0

TOTAL REVENUE $14,570,127

Expense Breakdown

Grants Paid $0

Salaries & Benefits $5,620

Fundraising Expenses $0

Program Expenses $13,228,880

Other Expenses $273,702

TOTAL EXPENSES $13,508,202

Year-over-Year Comparison

	2025	2024	Change
Revenue	$14,570,127	$11,782,881	+0.2%
Expenses	$13,508,202	$12,090,646	+0.1%
Net Income	$1,061,925	$-307,765	-4.5%

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

N/A

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
BANK OF AMERICA	TRUSTEE	N/A		$5,620	$0	$5,620

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	$14,570,127	$13,508,202	$1,231,534	$1,061,925
2024	$11,782,881	$12,090,646	$170,491	$-307,765
2023	$11,408,835	$11,934,171	$476,684	$-525,336
2022	$10,086,503	$9,943,565	$1,001,295	$142,938
2021	$11,058,504	$10,275,027	$861,484	$783,477
2020	$11,625,395	$12,479,315	$78,012	$-853,920
2019	$9,694,804	$10,441,139	$930,706	$-746,335

MELWOOD HC FRINGE BENEFIT TR