OSBA EMPLOYEE BENEFITS TRUST

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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

Phone

4177777570

Tax Period

2023-07-01 to 2024-06-30

OSBA EMPLOYEE BENEFITS TRUST, founded in 2014, is a mid-sized nonprofit in the Mutual Benefit sector that reported $84.0M in total revenue in fiscal year 2023. Expenses of $75.8M left a modest 10% surplus.

Mission

NONE

Program Service Accomplishments

Program 1

OSBA EMPLOYEE BENEFITS TRUST RECEIVES, HOLDS, INVESTS, REINVESTS, AND DISBURSES MONIES FOR THE BENEFIT OF THE PARTICIPANTS. THE ORGANIZATION PAYS INSURANCE PREMIUMS FOR PARTICIPANTS AND PROVIDES...

OSBA EMPLOYEE BENEFITS TRUST RECEIVES, HOLDS, INVESTS, REINVESTS, AND DISBURSES MONIES FOR THE BENEFIT OF THE PARTICIPANTS. THE ORGANIZATION PAYS INSURANCE PREMIUMS FOR PARTICIPANTS AND PROVIDES BENEFITS SUCH AS MEDICAL, DENTAL, AND VISION 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 $29,700

Program Service Revenue $82,415,539

Investment Income $1,596,450

Other Revenue $0

TOTAL REVENUE $84,041,689

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $0

Other Expenses $9,762,554

TOTAL EXPENSES $75,842,138

Year-over-Year Comparison

	2023	2022	Change
Revenue	$84,041,689	$80,854,208	+0.0%
Expenses	$75,842,138	$67,179,333	+0.1%
Net Income	$8,199,551	$13,674,875	-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

N/A

Employees

N/A

Volunteers

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

$642,922

Total Directors

$1,846,023

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
DANNY DEWITT	SECRETARY	1.0	Officer Director	$0	$6,599	$143,563
JOSHUA PHILLIPS	TREASURER	1.0	Officer Director	$0	$6,000	$120,000
MATT DAVIS	VICE PRESIDENT	1.0	Officer Director	$0	$6,160	$145,149
TIM RYAN	PRESIDENT	1.0	Officer Director	$0	$40,971	$234,210
ASHLEY GROEPPER	MEMBER	1.0	Director	$0	$23,690	$124,181
DANNY HUMBLE	MEMBER	1.0	Director	$0	$28,889	$175,569
DEREK LARK	MEMBER	1.0	Director	$0	$26,635	$155,144
MARK DRAKE	MEMBER	1.0	Director	$0	$42,968	$209,417
MATT ASHER	MEMBER	1.0	Director	$0	$4,220	$119,176
MATT UNGER	MEMBER	1.0	Director	$0	$24,493	$149,568
RICHARD SULLIVAN	MEMBER	1.0	Director	$0	$24,418	$129,277
TAMMY ERWIN	MEMBER	1.0	Director	$0	$23,406	$140,769

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	No data	No data	No data	No data
2024	$84,041,689	$75,842,138	$33,368,946	$8,199,551
2023	$80,854,208	$67,179,333	$27,905,760	$13,674,875
2022	$62,893,620	$57,873,007	$17,073,691	$5,020,613
2021	$58,782,987	$52,764,223	$14,757,419	$6,018,764
2020	$46,854,989	$44,074,146	$10,567,780	$2,780,843
2019	$30,612,133	$29,688,357	$9,326,024	$923,776