L J HUGHES & SONS INC EMPLOYEE BENEFIT TRUST (EIN 550720867) - 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

Legal Domicile

Principal Officer

DAVID M HUGHES

Phone

3048721111

Tax Period

2024-11-01 to 2025-10-31

L J HUGHES & SONS INC EMPLOYEE BENEFIT TRUST is a small nonprofit that reported $204K in total revenue in fiscal year 2024.

Mission

TO PROVIDE LIFE INSURANCE AND SHORT-TERM DISABILITY TO EMPLOYEES AND HEALTH CARE COVERAGE TO EMPLOYEES AND THEIR DEPENDENTS.

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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 $204,293

Investment Income $7

Other Revenue $0

TOTAL REVENUE $204,300

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $201,738

Other Expenses $116,109

TOTAL EXPENSES $201,738

Year-over-Year Comparison

	2024	2023	Change
Revenue	$204,300	$195,344	+0.0%
Expenses	$201,738	$200,908	+0.0%
Net Income	$2,562	$-5,564	-1.5%

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

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
DAVID M HUGHES	TRUSTEE	N/A	Officer Director	$0	$0	$0
JOHN M HUGHES	TRUSTEE	N/A	Officer Director	$0	$0	$0
FLETCHER G HEROLD JR	TRUSTEE	N/A	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	$204,300	$201,738	$8,634	$2,562
2024	$195,344	$200,908	$6,072	$-5,564
2023	$220,622	$211,900	$11,636	$8,722
2022	$141,193	$250,497	$2,914	$-109,304
2021	$169,968	$270,082	$112,218	$-100,114
2020	$287,930	$342,770	$212,332	$-54,840
2019	$404,026	$470,947	$267,172	$-66,921

L J HUGHES & SONS INC EMPLOYEE BENEFIT TRUST