BUILDERS EXCHANGE BENEFIT PLAN TRUST (EIN 472303889) - 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

ASHLEY GRANDETTI

Phone

2163936300

Tax Period

2024-01-01 to 2024-12-31

BUILDERS EXCHANGE BENEFIT PLAN TRUST, founded in 2014, is a micro nonprofit that reported $59K in total revenue in fiscal year 2024. Revenue fell 99% from the prior year — a significant decline worth monitoring. Expenses of $340K exceeded revenue, resulting in a 475% operating deficit.

Mission

THE ORGANIZATION IS A MULTIPLE EMPLOYER WELFARE ARRANGEMENT (MEWA) WHICH PROVIDES MEDICAL AND PRESCRIPTION DRUG BENEFITS FOR ITS MEMBERS.

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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 $0

Investment Income $59,068

Other Revenue $0

TOTAL REVENUE $59,068

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Other Expenses $420,544

TOTAL EXPENSES $339,657

Year-over-Year Comparison

	2024	2023	Change
Revenue	$59,068	$8,616,060	-1.0%
Expenses	$339,657	$8,437,110	-1.0%
Net Income	$-280,589	$178,950	-2.6%

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

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
ASHLEY GRANDETTI	CHAIR AND TRUSTEE	1.00	Director	$0	$0	$0
RUSSELL O'ROURKE	TRUSTEE	1.00	Director	$0	$0	$0
FRED INNAMORATO	TRUSTEE	1.00	Director	$0	$0	$0
JOHN GRANDETTI	PLAN ADMINISTRATOR	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
2024	$59,068	$339,657	No data	$-280,589
2023	$8,616,060	$8,437,110	$8,432,902	$178,950
2022	$8,942,319	$9,039,249	$8,052,694	$-96,930
2021	$9,209,306	$9,278,471	$8,146,430	$-69,165
2020	$9,302,216	$9,023,168	$1,448,968	$279,048
2019	$7,134,812	$7,197,537	$840,114	$-62,725
2018	$6,602,911	$6,665,835	$859,879	$-62,924

BUILDERS EXCHANGE BENEFIT PLAN TRUST