APEA-AFT HEALTH AND WELFARE TRUST (EIN 527332235) - 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

JEFF KASPER

Phone

9075615119

Tax Period

2023-07-01 to 2024-06-30

APEA-AFT HEALTH AND WELFARE TRUST, founded in 2000, is a community nonprofit in the Mutual Benefit sector that reported $5.8M in total revenue in fiscal year 2023. Revenue decreased 6% compared to the prior year. Expenses of $6.8M exceeded revenue, resulting in a 17% operating deficit.

Mission

TO PROVIDE HEALTH BENEFITS TO ELIGIBILE PARTICIPANTS OF THE 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%)

Financial Overview (2023)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $5,389,896

Investment Income $427,136

Other Revenue $124

TOTAL REVENUE $5,817,156

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Other Expenses $392,789

TOTAL EXPENSES $6,792,059

Year-over-Year Comparison

	2023	2022	Change
Revenue	$5,817,156	$6,160,712	-0.1%
Expenses	$6,792,059	$5,842,999	+0.2%
Net Income	$-974,903	$317,713	-4.1%

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

N/A

Employees

N/A

Volunteers

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
LISA PETERSEN	CHAIRMAN	1.00	Officer Director	$0	$0	$0
JEFFREY KASPER	TRUSTEE	1.00	Director	$0	$0	$0
LOVEANN TRUITT	TRUSTEE	1.00	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	No data	No data	No data	No data
2024	$5,817,156	$6,792,059	$11,405,031	$-974,903
2023	$6,160,712	$5,842,999	$11,197,116	$317,713
2022	$6,328,945	$6,110,800	$10,593,574	$218,145
2021	$6,109,149	$5,789,242	$11,659,228	$319,907
2020	$6,095,188	$5,453,738	$10,367,100	$641,450
2018	$5,899,473	$5,355,665	$9,029,979	$543,808

APEA-AFT HEALTH AND WELFARE TRUST