SPECIALTIES AND PAPER PRODUCTS 527 H AND W (EIN 581164035) - 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

1973

Legal Domicile

Principal Officer

Eddie Williams

Phone

7709447348

Tax Period

2024-03-01 to 2025-02-28

SPECIALTIES AND PAPER PRODUCTS 527 H AND W, founded in 1973, is a community nonprofit that reported $4.2M in total revenue in fiscal year 2024. Revenue surged 21% from the prior year, signaling strong growth momentum. The organization ran a surplus of $1.5M, a strong 37% operating margin.

Mission

The purpose of the Organization is to provide health benefits to eligible participants.

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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 $3,716,936

Investment Income $469,481

Other Revenue $23,149

TOTAL REVENUE $4,209,566

Expense Breakdown

Grants Paid $0

Salaries & Benefits $238,062

Fundraising Expenses $0

Other Expenses $380,847

TOTAL EXPENSES $2,672,984

Year-over-Year Comparison

	2024	2023	Change
Revenue	$4,209,566	$3,479,922	+0.2%
Expenses	$2,672,984	$2,537,347	+0.1%
Net Income	$1,536,582	$942,575	+0.6%

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

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
Ralph Meers	Chairman, Past	5.00	Officer Director	$0	$0	$0
Paul Baker	Secretary	5.00	Officer Director	$0	$0	$0
Jamie Morris	Trustee	5.00	Director	$0	$0	$0
Eddie Williams	Trustee	5.00	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	$4,209,566	$2,672,984	$14,950,819	$1,536,582
2024	No data	No data	No data	No data
2023	$3,434,648	$2,527,881	$11,613,571	$906,767
2022	$3,969,163	$4,929,373	$11,400,398	$-960,210
2021	$4,056,721	$3,145,170	$12,670,354	$911,551
2020	$4,337,452	$3,428,980	$11,755,566	$908,472
2019	$4,658,390	$3,799,914	$10,729,693	$858,476
2018	$5,009,875	$3,869,167	$9,859,602	$1,140,708

SPECIALTIES AND PAPER PRODUCTS 527 H AND W