ASSOCIATION HEALTH & WELFARE VEBA MASTER TRUST (EIN 467130790) - 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

STEPHEN GREGORY

Phone

5024996880

Tax Period

2023-12-01 to 2024-11-30

ASSOCIATION HEALTH & WELFARE VEBA MASTER TRUST, founded in 2014, is a community nonprofit in the Mutual Benefit sector that reported $10.0M in total revenue in fiscal year 2023.

Mission

SERVES AS A FUNDING VEHICLE FOR PROVIDING LIFE, SICKNESS, ACCIDENT AND OTHER BENEFITS SUCH AS WELFARE BENEFITS CONTEMPLATED BY CODE 501(C)(9) THROUGH THE PURCHASE OF INSURANCE.

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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 (2023)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $9,998,956

Investment Income $0

Other Revenue $0

TOTAL REVENUE $9,998,956

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $9,756,496

Other Expenses $218,561

TOTAL EXPENSES $9,975,057

Year-over-Year Comparison

	2023	2022	Change
Revenue	$9,998,956	$9,958,458	+0.0%
Expenses	$9,975,057	$9,931,855	+0.0%
Net Income	$23,899	$26,603	-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

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
STEPHEN GREGORY	TRUSTEE	1.00	Director	$0	$0	$0
J TRENT HUNT	TRUSTEE	1.00	Director	$0	$0	$0
JACOB JULIUS	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	$9,998,956	$9,975,057	$350,179	$23,899
2023	$9,958,458	$9,931,855	$429,850	$26,603
2022	$11,061,571	$11,070,814	$448,081	$-9,243
2021	$11,005,674	$11,031,059	$236,440	$-25,385
2020	$9,882,944	$9,832,820	$203,835	$50,124
2019	$9,506,301	$9,502,690	$1,046,850	$3,611
2018	$10,667,225	$10,650,869	$332,589	$16,356

ASSOCIATION HEALTH & WELFARE VEBA MASTER TRUST