Pension Rights Center

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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

1976

Legal Domicile

Principal Officer

Nancy J Altman

Phone

2022963776

Tax Period

2023-01-01 to 2023-12-31

Pension Rights Center, founded in 1976, is a community nonprofit in the Civil Rights & Advocacy sector that reported $1.3M in total revenue in fiscal year 2023. Revenue fell 45% from the prior year — a significant decline worth monitoring. The organization ran a surplus of $425K, a strong 33% operating margin.

Mission

The Pension Rights Centers mission is to protect and promote the retirement security of American workers, retirees, and their families.

Program Service Accomplishments

Program 1

Expenses: $605,085 Revenue: $0

Legal Program: Provided technical support and legal training to regional pension counseling projects around the country. Also provided information and referrals to individuals with retirement plan...

Legal Program: Provided technical support and legal training to regional pension counseling projects around the country. Also provided information and referrals to individuals with retirement plan questions and problems, wrote fact sheets and blog posts, presented webinars, and filed friend-of-the-court briefs.

Program 2

Expenses: $108,295 Revenue: $0

Public Policy Program: Worked with employee, retiree, and womens organizations to preserve pensions and develop improved retirement policies. Wrote comments on key regulatory issues, educated workers and retirees about changes in the law both by writing fact sheets and also by giving speeches on Zoom.

Program 3

Expenses: $100,939 Revenue: $0

Communications: The Communications activities of the Pension Rights Center are aimed at publicizing the legal and policy work of the Pension Rights Center to the media and the public. We send out...

Communications: The Communications activities of the Pension Rights Center are aimed at publicizing the legal and policy work of the Pension Rights Center to the media and the public. We send out press releases to the media, write blogs, articles and op-eds, and post fact sheets and other educational material on our website.

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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 $1,258,822

Program Service Revenue $0

Investment Income $48,406

Other Revenue $159

TOTAL REVENUE $1,307,387

Expense Breakdown

Grants Paid $0

Salaries & Benefits $475,517

Fundraising Expenses $31,119

Program Expenses $814,319

Other Expenses $406,664

TOTAL EXPENSES $882,181

Year-over-Year Comparison

	2023	2022	Change
Revenue	$1,307,387	$2,393,226	-0.5%
Expenses	$882,181	$777,261	+0.1%
Net Income	$425,206	$1,615,965	-0.7%

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

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

$324,877

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
Karen D Friedman	Executive Director	40.00	Officer	$159,375	$32,651	$192,026
Kyle W Garrett	Chief Operations Officer	40.00	Officer	$114,167	$18,684	$132,851
Nancy J Altman	Chair	0.50	Officer Director	$0	$0	$0
Daniel I Halperin	Vice-Chair	0.50	Officer Director	$0	$0	$0
W Thomas Reeder	Treasurer	0.50	Officer Director	$0	$0	$0
Regina T Jefferson	Secretary	0.50	Officer Director	$0	$0	$0
Ian D Lanoff	At-large	0.50	Director	$0	$0	$0
Alicia H Munnell	At-large	0.50	Director	$0	$0	$0
Robert Roach Jr	At-large	0.50	Director	$0	$0	$0
Debra B Whitman	At-large	0.50	Director	$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	$1,307,387	$882,181	$3,196,322	$425,206
2022	$2,393,226	$777,261	$2,758,000	$1,615,965
2021	$1,223,333	$605,966	$1,108,027	$617,367
2020	$858,313	$792,680	$511,765	$65,633
2019	$987,985	$900,960	$433,143	$87,025
2018	$846,650	$748,750	$325,975	$97,900