ALABAMA GAS CORPORATION RETIRED SALARIED GROUP LIFE INSURANCE PLAN TRUST (EIN 467435786) - 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

BOYAN N LALOV

Phone

3143420586

Tax Period

2025-01-01 to 2025-12-31

ALABAMA GAS CORPORATION RETIRED SALARIED GROUP LIFE INSURANCE PLAN TRUST, founded in 2014, is a community nonprofit in the International Affairs sector that reported $1.0M in total revenue in fiscal year 2025. Revenue surged 77% from the prior year, signaling strong growth momentum. The organization ran a surplus of $800K, a strong 77% operating margin.

Mission

VOLUNTARY EMPLOYEE BENEFIT ASSOCIATION PROVIDING GROUP LIFE INSURANCE BENEFITS TO 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 (2025)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $0

Investment Income $1,038,615

Other Revenue $0

TOTAL REVENUE $1,038,615

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Other Expenses $238,227

TOTAL EXPENSES $238,227

Year-over-Year Comparison

	2025	2024	Change
Revenue	$1,038,615	$587,617	+0.8%
Expenses	$238,227	$22,497	+9.6%
Net Income	$800,388	$565,120	+0.4%

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

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
N/A	TRUSTEE	5.00		$0	$0	$0
N/A	TRUSTEE	5.00		$0	$0	$0
BOYAN N LALOV	TREASURER	5.00	Officer	$0	$0	$0
GERY GORLA	VICE PRESIDENT	1.00	Officer	$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	$1,038,615	$238,227	$15,626,537	$800,388
2024	$587,617	$22,497	$14,073,788	$565,120
2023	$469,859	$137,155	$12,815,042	$332,704
2022	$157,316	$148,206	$11,306,209	$9,110
2021	$737,415	$276,206	$13,032,385	$461,209
2020	$650,527	$147,074	$11,889,611	$503,453

ALABAMA GAS CORPORATION RETIRED SALARIED GROUP LIFE INSURANCE PLAN TRUST