The Railroad Employees National Health & Welfare Plan (EIN 521118310) - 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

1955

Legal Domicile

Principal Officer

JEFF RODGERS L ED DOWELL

Phone

5713367600

Tax Period

2024-01-01 to 2024-12-31

THE RAILROAD EMPLOYEES NATIONAL HEALTH & WELFARE PLAN, founded in 1955, is a large national nonprofit that reported $1.5B in total revenue in fiscal year 2020.

Mission

TO PROVIDE EMPLOYEE WELFARE BENEFITS TO ELIGIBLE RAILROAD EMPLOYEES 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 (2024)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $1,757,240,106

Investment Income $15,821,532

Other Revenue $119,861

TOTAL REVENUE $1,773,181,499

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Other Expenses $75,545,922

TOTAL EXPENSES $1,622,649,583

Year-over-Year Comparison

	2024	2023	Change
Revenue	$1,773,181,499	$1,620,036,122	+0.1%
Expenses	$1,622,649,583	$1,525,234,614	+0.1%
Net Income	$150,531,916	$94,801,508	+0.6%

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

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
BRENDAN BRANON	Chairman-NCCC 1/1 TO 10/31/24	2.0	Director	$0	$0	$0
Jeffrey Rodgers	Chairman-NCCC 11/1 TO 12/31/24	2.0	Director	$0	$0	$0
Arthur P Maratea	CHAIRMAN - CRLO	2.0	Director	$0	$0	$0
Edward Dowell	COMM MBR - CRLO	1.0	Officer	$0	$0	$0
John Feltz	COMM MBR - CRLO	1.0	Officer	$0	$0	$0
John Mansker	COMM MBR - CRLO	1.0	Officer	$0	$0	$0
John Samuelsen	COMM MBR - CRLO	1.0	Officer	$0	$0	$0
Michael S Baldwin	COMM MBR - CRLO	1.0	Officer	$0	$0	$0
Jeremy R Ferguson	COMM MBR - CRLO	1.0	Officer	$0	$0	$0
Al Russo Jr	COMM MBR - CRLO	1.0	Officer	$0	$0	$0
Michael Pistone	COMM MBR - CRLO	1.0	Officer	$0	$0	$0
Tony Cardwell	COMM MBR - CRLO	1.0	Officer	$0	$0	$0
Josh T Hartford	COMM MBR - CRLO	1.0	Officer	$0	$0	$0
Joe Fraley	COMM MBR - CRLO	1.0	Officer	$0	$0	$0
Edward Hall	COMM MBR - CRLO	1.0	Officer	$0	$0	$0
Andrew Sandberg	COMM MBR-CRLO 1/1 TO 6/2/24	1.0	Officer	$0	$0	$0
Reece Murtagh	COMM MBR-CRLO 6/3 TO 12/31/24	1.0	Officer	$0	$0	$0
Sam Macedonio	COMM MBR - NCCC	1.0	Officer	$0	$0	$0
Wai Wong	COMM MBR - NCCC	1.0	Officer	$0	$0	$0
Maquiling Parkerson	COMM MBR - NCCC	1.0	Officer	$0	$0	$0
Jeff Wall	COMM MBR - NCCC	1.0	Officer	$0	$0	$0
Thomas Sullivan	COMM MBR - NCCC	1.0	Officer	$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	$1,773,181,499	$1,622,649,583	$597,167,493	$150,531,916
2023	$1,620,036,122	$1,525,234,614	$446,563,103	$94,801,508
2022	$1,476,760,348	$1,489,782,807	$351,351,832	$-13,022,459
2021	$1,525,027,331	$1,536,545,874	$364,217,494	$-11,518,543
2020	$1,494,573,787	$1,475,990,198	$375,514,538	$18,583,589

The Railroad Employees National Health & Welfare Plan