TWU LOCAL 100 HEALTH FUND (EIN 476448861) - 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

JOHN CHIARELLO

Phone

2128736000

Tax Period

2023-01-01 to 2023-12-31

TWU LOCAL 100 HEALTH FUND, founded in 2014, is a mid-sized nonprofit in the Mutual Benefit sector that reported $21.4M in total revenue in fiscal year 2023. Revenue grew 8% year-over-year, indicating healthy expansion. The organization ran a surplus of $3.8M, a strong 18% operating margin.

Mission

THE PLAN PROVIDES DENTAL, OPTICAL AND OTHER WELFARE BENEFITS TO COVERED EMPLOYEES AND CERTAIN ELIGIBLE MEMBERS OF THEIR FAMILIES.

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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 $20,985,117

Investment Income $460,722

Other Revenue $0

TOTAL REVENUE $21,445,839

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Other Expenses $175,075

TOTAL EXPENSES $17,668,500

Year-over-Year Comparison

	2023	2022	Change
Revenue	$21,445,839	$19,831,089	+0.1%
Expenses	$17,668,500	$17,240,139	+0.0%
Net Income	$3,777,339	$2,590,950	+0.5%

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

$681,744

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
LATONYA CRISP	TRUSTEE	2.00	Director	$0	$37,742	$182,572
RICHARD DAVIS	TRUSTEE	2.00	Director	$0	$69,094	$277,984
JOHN V CHIARELLO	TRUSTEE	2.00	Director	$0	$59,214	$221,188

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	No data	No data	No data	No data
2023	$21,445,839	$17,668,500	$21,017,857	$3,777,339
2022	$19,831,089	$17,240,139	$17,230,410	$2,590,950
2021	$19,548,160	$16,635,992	$14,651,808	$2,912,168
2020	$19,883,942	$18,154,569	$11,746,566	$1,729,373
2019	$18,695,222	$14,288,685	$9,968,141	$4,406,537
2018	$18,597,258	$16,862,913	$5,572,352	$1,734,345

TWU LOCAL 100 HEALTH FUND