GPHA EMPLOYEE BENEFITS TRUST (EIN 476918582) - 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

2015

Legal Domicile

Phone

3166851523

Tax Period

2024-07-01 to 2025-06-30

GPHA EMPLOYEE BENEFITS TRUST, founded in 2015, is a mid-sized nonprofit in the Mutual Benefit sector that reported $15.1M in total revenue in fiscal year 2024.

Mission

THE PLAN PROVIDES FOR THE PAYMENT OR REIMBURSEMENT OF CERTAIN MEDICAL, PRESCRIPTION DRUGS AND DENTAL BENEFITS FOR ELIGIBLE 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 (2024)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $14,931,822

Investment Income $122,056

Other Revenue $0

TOTAL REVENUE $15,053,878

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $0

Other Expenses $2,702,692

TOTAL EXPENSES $15,540,770

Year-over-Year Comparison

	2024	2023	Change
Revenue	$15,053,878	$15,473,684	0.0%
Expenses	$15,540,770	$13,623,714	+0.1%
Net Income	$-486,892	$1,849,970	-1.3%

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

$537,145

Total Directors

$1,284,286

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
CURT COLSON	PRESIDENT/TRUSTEE	1.0	Officer Director	$0	$57,031	$284,684
JASON BARB	SECRETARY/TRUSTEE	1.0	Officer Director	$0	$53,974	$252,461
DARIN WALK	TRUSTEE	1.0	Director	$0	$28,612	$183,024
JEREMY CLINGENPEEL	TRUSTEE	1.0	Director	$0	$62,649	$231,919
JILL WENGER	TRUSTEE	1.0	Director	$0	$35,721	$171,246
MARCIA GABEL	TRUSTEE	1.0	Director	$0	$21,422	$160,952

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	$15,053,878	$15,540,770	$4,918,952	$-486,892
2024	$15,473,684	$13,623,714	$5,398,619	$1,849,970
2023	$14,873,317	$15,809,124	$3,481,663	$-935,807
2022	$13,348,028	$14,609,528	$4,425,933	$-1,261,500
2021	$12,753,935	$13,670,638	$5,667,091	$-916,703
2020	$11,719,669	$11,545,084	$6,628,185	$174,585
2019	$11,598,608	$11,305,845	$6,456,785	$292,763
2018	$12,673,625	$9,739,663	$6,122,908	$2,933,962

GPHA EMPLOYEE BENEFITS TRUST