Bethlehem Area School District Employee Benefits & Trust (EIN 467306294) - 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

2012

Legal Domicile

Phone

6108610500

Tax Period

2024-07-01 to 2025-06-30

Bethlehem Area School District Employee Benefits & Trust, founded in 2012, is a mid-sized nonprofit in the Mutual Benefit sector that reported $39.5M in total revenue in fiscal year 2024. Revenue grew 12% year-over-year, indicating healthy expansion. Expenses of $46.4M exceeded revenue, resulting in a 17% operating deficit.

Mission

Health and welfare benefits of employees of public k-12 school district

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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 $38,855,374

Investment Income $685,666

Other Revenue $0

TOTAL REVENUE $39,541,040

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $46,410,527

Other Expenses $1,978,637

TOTAL EXPENSES $46,410,527

Year-over-Year Comparison

	2024	2023	Change
Revenue	$39,541,040	$35,267,804	+0.1%
Expenses	$46,410,527	$39,659,970	+0.2%
Net Income	$-6,869,487	$-4,392,166	+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	Role	Reportable Comp	Other Comp	Total
Shannon Patrick	Trustee	Director	$0	$0	$0
Heather Bennett Knerr	Trustee	Director	$0	$0	$0
Laura Keding	Trustee	Director	$0	$0	$0
Thomas Szczepanski	Trustee	Director	$0	$0	$0
Kelly Burkholder	Trustee	Director	$0	$0	$0
Tammy McDonald	Trustee	Director	$0	$0	$0
Janet Kerilla	Trustee	Director	$0	$0	$0
Janice Pereira	Trustee	Director	$0	$0	$0
Brandon Siegfried	Trustee	Director	$0	$0	$0
Lesa Buttillo	Trustee	Director	$0	$0	$0
Lynda Price	Trustee	Director	$0	$0	$0
Lori Zellner	Treasurer		$0	$0	$0
Arutyun Aristakesian	Foundation Mgr.		$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	$39,541,040	$46,410,527	$14,711,461	$-6,869,487
2024	$35,267,804	$39,659,970	$22,956,162	$-4,392,166
2023	$36,083,917	$36,955,359	$26,605,662	$-871,442
2022	$31,527,581	$35,146,468	$27,160,214	$-3,618,887
2021	$29,773,142	$31,463,359	$32,018,679	$-1,690,217

Bethlehem Area School District Employee Benefits & Trust