SPRINGFIELD OFFICE SUPPLY INC EMPLOYEE MEDICAL PLAN (EIN 541712364) - 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

1989

Legal Domicile

Principal Officer

WAYNE STILLWAGON

Phone

7036442200

Tax Period

2023-10-01 to 2024-09-30

SPRINGFIELD OFFICE SUPPLY INC EMPLOYEE MEDICAL PLAN, founded in 1989, is a community nonprofit that reported $1.1M in total revenue in fiscal year 2017. Revenue fell 22% from the prior year — a significant decline worth monitoring. Expenses of $1.2M exceeded revenue, resulting in a 13% operating deficit.

Mission

TO PROVIDE GROUP HEALTH AND LIFE INSURANCE BENEFITS

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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 (2023)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $1,410,711

Investment Income $0

Other Revenue $0

TOTAL REVENUE $1,410,711

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $1,962,619

Other Expenses $0

TOTAL EXPENSES $1,962,619

Year-over-Year Comparison

	2023	2022	Change
Revenue	$1,410,711	$814,838	+0.7%
Expenses	$1,962,619	$902,665	+1.2%
Net Income	$-551,908	$-87,827	+5.3%

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

N/A

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

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
WAYNE STILLWAGON	TRUSTEE	2.00	Officer 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	$1,410,711	$1,962,619	$22,023	$-551,908
2023	$814,838	$902,665	$573,931	$-87,827
2022	$987,880	$1,183,935	$661,758	$-196,055
2021	$922,469	$910,322	$857,813	$12,147
2020	$1,002,192	$828,663	$845,666	$173,529
2019	$817,681	$818,247	$672,137	$-566
2018	$1,089,614	$1,230,961	$672,703	$-141,347

SPRINGFIELD OFFICE SUPPLY INC EMPLOYEE MEDICAL PLAN