THE EMERITI CONSORTIUM FOR RETIREMENT HEALTH SOLUTIONS

EIN: 571194227 501(c)(3) Education

MIAMI, FL

Total Revenue
$3,373,009
Total Expenses
$3,857,317
Total Assets
$1,726,716
Net Assets
$1,440,138
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Financial Vulnerability Assessment (Tuckman-Chang)

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Financial Trends

Organization Details

Formation Year
2003
Legal Domicile
IL
Principal Officer
TIMOTHY E LANE
Phone
8452456603
Tax Period
2025-01-01 to 2025-12-31

THE EMERITI CONSORTIUM FOR RETIREMENT HEALTH SOLUTIONS, founded in 2003, is a community nonprofit in the Education sector that reported $3.4M in total revenue in fiscal year 2025. Revenue grew 18% year-over-year, indicating healthy expansion. Expenses of $3.9M exceeded revenue, resulting in a 14% operating deficit.

Mission

THE ORGANIZATION PROVIDES A TAX-ADVANTAGED METHOD OF PROVIDING FOR RETIREE HEALTH BENEFITS TO EMPLOYEES OF COLLEGES, UNIVERSITIES AND OTHER EDUCATION-RELATED TAX EXEMPT ORGANIZATIONS.

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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%)

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Financial Overview (2025)

Revenue Breakdown

Contributions & Grants $0
Program Service Revenue $3,323,031
Investment Income $49,978
Other Revenue $0
TOTAL REVENUE $3,373,009

Expense Breakdown

Grants Paid $0
Salaries & Benefits $827,637
Fundraising Expenses $0
Program Expenses $3,709,557
Other Expenses $3,029,680
TOTAL EXPENSES $3,857,317

Year-over-Year Comparison

2025 2024 Change
Revenue $3,373,009 $2,860,764 +0.2%
Expenses $3,857,317 $3,377,602 +0.1%
Net Income $-484,308 $-516,838 -0.1%
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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Governance

Voting Members
10
Independent Members
10
Employees
3
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
2
$665,884
Total Directors
10
$70,000
Key Employees
0
$0
Highest Compensated
0
reported
Name Title Hours/Week Role Reportable Comp Other Comp Total
DAVID ANDERSON CHAIR 5.00
Director
$10,000 $0 $10,000
CARRIE ABILDGAARD SECRETARY 5.00
Director
$0 $0 $0
PAUL FRONSTIN TREASURER 5.00
Director
$10,000 $0 $10,000
ROBERT BURKE TRUSTEE 5.00
Director
$10,000 $0 $10,000
CRISTLE COLLINS-JUDD TRUSTEE 5.00
Director
$0 $0 $0
RICHARD EKMAN TRUSTEE 5.00
Director
$10,000 $0 $10,000
DANIEL T KONSTALID TRUSTEE 5.00
Director
$0 $0 $0
MICHAEL S NOETZEL TRUSTEE 5.00
Director
$10,000 $0 $10,000
TAMARA M SIMON TRUSTEE 5.00
Director
$10,000 $0 $10,000
MICHAEL SIGMUND TRUSTEE 5.00
Director
$10,000 $0 $10,000
TIMOTHY E LANE PRESIDENT & CEO 40.00
Officer
$292,256 $54,813 $347,069
ROGER MONTGOMERY VP FOR FINANCE 40.00
Officer
$270,141 $48,674 $318,815
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 $3,373,009 $3,857,317 $1,726,716 $-484,308
2024 $2,860,764 $3,377,602 $2,354,005 $-516,838
2023 $2,993,467 $2,799,544 $2,720,796 $193,923
2022 $2,751,255 $2,554,936 $2,489,116 $196,319
2021 $2,617,256 $2,528,346 $2,211,238 $88,910
2020 $2,573,626 $2,520,945 $2,195,586 $52,681
2019 $2,503,372 $2,634,532 $2,131,765 $-131,160
2018 $2,305,311 $2,875,662 $2,313,637 $-570,351
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