BOARD OF EDUCATION OF MONTGOMERY COUNTY EMPLOYEE BENEFIT TRUST FUND (EIN 526033249) - 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

1958

Legal Domicile

Principal Officer

Susan Chen

Phone

2407407499

Tax Period

2024-07-01 to 2025-06-30

BOARD OF EDUCATION OF MONTGOMERY COUNTY EMPLOYEE BENEFIT TRUST FUND, founded in 1958, is a major nonprofit that reported $690.1M in total revenue in fiscal year 2024. Revenue grew 9% year-over-year, indicating healthy expansion.

Mission

Montgomery County Board of Education Employee Benefits Plan (EBP) offers health benefits coverage to its eligible current employees, retirees, and their dependents. The plan includes medical, dental, vision, prescription drug, and life insurance benefits.

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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 (2024)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $688,171,821

Investment Income $1,886,691

Other Revenue $0

TOTAL REVENUE $690,058,512

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $713,455,167

Other Expenses $2,470,195

TOTAL EXPENSES $713,455,167

Year-over-Year Comparison

	2024	2023	Change
Revenue	$690,058,512	$631,500,673	+0.1%
Expenses	$713,455,167	$665,855,693	+0.1%
Net Income	$-23,396,655	$-34,355,020	-0.3%

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

33900

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	Trust	0		$0	$0	$0
Montgomery County Board of Educatn	Board	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
2025	$690,058,512	$713,455,167	$19,427,162	$-23,396,655
2024	$631,500,673	$665,855,693	$26,513,930	$-34,355,020
2023	$565,037,337	$600,856,361	$54,331,548	$-35,819,024
2022	$526,148,010	$547,840,115	$76,472,586	$-21,692,105
2021	$504,929,109	$510,492,036	$100,065,346	$-5,562,927
2020	$479,061,846	$475,233,011	$102,892,727	$3,828,835
2019	$466,605,492	$452,470,724	$96,915,495	$14,134,768

BOARD OF EDUCATION OF MONTGOMERY COUNTY EMPLOYEE BENEFIT TRUST FUND