GRAUL'S BENEFITS TRUST

EIN: 521645447

RUXTON, MD

Total Revenue
$1,565,553
Total Expenses
$1,569,960
Total Assets
$86,060
Net Assets
$86,060
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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
1989
Legal Domicile
MD
Principal Officer
KATE POFFENBERGER
Phone
4108236077
Tax Period
2024-07-01 to 2025-06-30

GRAUL'S BENEFITS TRUST, founded in 1989, is a community nonprofit that reported $1.6M in total revenue in fiscal year 2024. Revenue surged 35% from the prior year, signaling strong growth momentum.

Mission

EMPLOYEE HEALTH AND WELFARE BENEFIT PLAN

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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%)

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Financial Overview (2024)

Revenue Breakdown

Contributions & Grants $0
Program Service Revenue $1,565,498
Investment Income $55
Other Revenue $0
TOTAL REVENUE $1,565,553

Expense Breakdown

Grants Paid $0
Salaries & Benefits $1,554,210
Fundraising Expenses $0
Program Expenses $1,569,960
Other Expenses $15,750
TOTAL EXPENSES $1,569,960

Year-over-Year Comparison

2024 2023 Change
Revenue $1,565,553 $1,161,845 +0.3%
Expenses $1,569,960 $1,294,862 +0.2%
Net Income $-4,407 $-133,017 -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

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Governance

Voting Members
3
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
0
$0
Total Directors
3
$0
Key Employees
0
$0
Highest Compensated
0
reported
Name Title Hours/Week Role Reportable Comp Other Comp Total
HAROLD GRAUL TRUSTEE/PT TIME 0.00
Director
$0 $0 $0
DENNIS GRAUL TRUSTEE/PT TIME 0.00
Director
$0 $0 $0
KATE POFFENBERGER TRUSTEE/PT TIME 5.00
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
2025 $1,565,553 $1,569,960 $86,060 $-4,407
2024 $1,161,845 $1,294,862 $90,467 $-133,017
2023 $2,010,316 $1,866,655 $223,484 $143,661
2022 $2,042,549 $2,056,833 $79,823 $-14,284
2021 $2,084,239 $2,082,069 $94,107 $2,170
2020 $1,851,815 $1,988,236 $91,937 $-136,421
2019 $2,193,276 $2,012,085 $228,358 $181,191
2018 $1,692,288 $1,856,723 $47,167 $-164,435
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