The Railroad Employees National Dental Plan (EIN 521102730) - Form 990 Financial Analysis & Trantor Score

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Tuckman-Chang Vulnerability Assessment

4 risk indicators measuring financial stability and operational resilience

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Financial Trends

Organization Details

Formation Year

1976

Legal Domicile

Principal Officer

JEFFREY RODGERS

Phone

5713367600

Tax Period

2023-01-01 to 2023-12-31

THE RAILROAD EMPLOYEES NATIONAL DENTAL PLAN, founded in 1976, is a mid-sized nonprofit that reported $88.5M in total revenue in fiscal year 2020. Revenue decreased 7% compared to the prior year.

Mission

To provide employee health benefits pursuant to collective bargaining agreements.

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Trantor Score

Financial Health & Payment Capacity Assessment (FICO Scale: 300–850)

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Liquidity (40%) • Solvency (30%) • Sustainability (20%) • Efficiency (10%)

Financial Overview (2023)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $103,915,435

Investment Income $1,030,576

Other Revenue $0

TOTAL REVENUE $104,946,011

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Other Expenses $4,792,475

TOTAL EXPENSES $91,912,798

Year-over-Year Comparison

	2023	2022	Change
Revenue	$104,946,011	$95,827,635	+0.1%
Expenses	$91,912,798	$88,860,343	+0.0%
Net Income	$13,033,213	$6,967,292	+0.9%

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

$1,169,086

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
BRENDAN BRANON	NCCC Chairman	2.0	Director	$0	$99,225	$1,169,086
Rob Karov	NCCC Comm Mbr 1/1 To 10/19/23	1.0	Director	$0	$0	$0
Wai Wong	NCCC Comm Mbr	1.0	Director	$0	$0	$0
THOMAS SULLIVAN	NCCC COMm Mbr	1.0	Director	$0	$0	$0
Jacob Mccahill	NCCC Comm Mbr 1/1 To 4/14/23	1.0	Director	$0	$0	$0
JEFF WALL	NCCC Comm Mbr	1.0	Director	$0	$0	$0
MAQUILING PARKERSON	NCCC Comm Mbr	1.0	Director	$0	$0	$0
Sam Macedenio	NCCC Comm Mbr10/19 TO 12/31/23	1.0	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	$104,946,011	$91,912,798	$39,577,496	$13,033,213
2022	$95,827,635	$88,860,343	$25,362,935	$6,967,292
2021	$95,306,519	$95,090,784	$18,437,923	$215,735
2020	$88,538,513	$89,754,552	$18,140,273	$-1,216,039

The Railroad Employees National Dental Plan