GROUP BENEFITS TRUST THE GROUP BENEFITS TRUST (EIN 527142713) - 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

2000

Legal Domicile

Principal Officer

NEAL RUCHMAN

Phone

3017765000

Tax Period

2023-12-01 to 2024-11-30

GROUP BENEFITS TRUST THE GROUP BENEFITS TRUST, founded in 2000, is a community nonprofit in the Mutual Benefit sector that reported $1.3M in total revenue in fiscal year 2023. Revenue grew 11% year-over-year, indicating healthy expansion. Expenses of $1.2M left a modest 9% surplus.

Mission

THE ORGANIZATION PROVIDES HEALTH INSURANCE AND VARIOUS OTHER BENEFITS TO THE EMPLOYEES OF REMINGTON ADVERTISING AGENCY INC.

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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 $0

Program Service Revenue $1,271,963

Investment Income $1,279

Other Revenue $0

TOTAL REVENUE $1,273,242

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Other Expenses $119,728

TOTAL EXPENSES $1,159,140

Year-over-Year Comparison

	2023	2022	Change
Revenue	$1,273,242	$1,145,381	+0.1%
Expenses	$1,159,140	$1,435,763	-0.2%
Net Income	$114,102	$-290,382	-1.4%

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

$594,011

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
NEAL RUCHMAN	CHAIRMAN	1.00	Director	$0	$0	$250,000
MORGAN HENSON	CEO	1.00	Director	$0	$0	$344,011

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	$1,273,242	$1,159,140	$412,383	$114,102
2023	$1,145,381	$1,435,763	$365,438	$-290,382
2022	$1,279,077	$1,584,480	$572,030	$-305,403
2021	$1,009,308	$1,499,226	$1,031,089	$-489,918
2020	$1,095,386	$2,077,774	$1,552,891	$-982,388
2019	$1,145,045	$1,191,835	$2,118,402	$-46,790
2018	$1,538,709	$1,257,974	$2,165,192	$280,735

GROUP BENEFITS TRUST THE GROUP BENEFITS TRUST