SMITH PROTECTIVE MANAGEMENT VOLUNTARY EMPLOYEE BENEFICIARY (EIN 477185208) - 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

Principal Officer

AARON SMITH

Phone

9729607644

Tax Period

2023-01-01 to 2023-12-31

SMITH PROTECTIVE MANAGEMENT VOLUNTARY EMPLOYEE BENEFICIARY, founded in 2015, is a micro nonprofit in the Employment sector that reported $99K in total revenue in fiscal year 2023. Revenue surged 168% from the prior year, signaling strong growth momentum. Expenses of $117K exceeded revenue, resulting in a 18% operating deficit.

Mission

THE TRUST HAS BEEN ESTABLISHED TO PROVIDE PARTICIPANTS AND THEIR DEPENDENTS AND BENEFICIARIES WITH WELFARE BENEFITS AS SET FORTH IN THE PLAN, AND TO PROVIDE SUCH OTHER PERMISSABLE PAYMENTS TO BE DETERMINED FROM TIME TO TIME, AND IT IS INTENDED THAT THE BENEFITS AND PAYMENTS BY THE PLAN AND FUNDED THROUGH THE TRUST BE "LIFE, SICK, ACCIDENT, OR OTHER BENEFITS" AS THAT PHRASE IS DEFINED IN SECTION 501 (C) (9) OF THE CODE.

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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 $88,130

Investment Income $10,943

Other Revenue $0

TOTAL REVENUE $99,073

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $117,167

Other Expenses $117,167

TOTAL EXPENSES $117,167

Year-over-Year Comparison

	2023	2022	Change
Revenue	$99,073	$36,972	+1.7%
Expenses	$117,167	$46,237	+1.5%
Net Income	$-18,094	$-9,265	+1.0%

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

N/A

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

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
N/A	TRUSTEE	0.00		$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	No data	No data	No data	No data
2023	$99,073	$117,167	$239,663	$-18,094
2022	$36,972	$46,237	$257,757	$-9,265
2021	$72,648	$63,311	$267,022	$9,337
2020	$98,627	$105,597	$257,685	$-6,970
2019	$108,835	$95,902	$264,655	$12,933
2018	$134,324	$85,898	$251,722	$48,426

SMITH PROTECTIVE MANAGEMENT VOLUNTARY EMPLOYEE BENEFICIARY