CWM EMPLOYEE BENEFIT TRUST (EIN 581584846) - 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

1984

Legal Domicile

Principal Officer

MICHAEL D BELL

Phone

7704227520

Tax Period

2024-05-01 to 2025-04-30

CWM EMPLOYEE BENEFIT TRUST, founded in 1984, is a mid-sized nonprofit that reported $18.7M in total revenue in fiscal year 2024. Revenue surged 48% from the prior year, signaling strong growth momentum. Expenses of $17.8M left a modest 5% surplus.

Mission

PROVIDE MEDICAL AND DISABILITY COVERAGE FOR MEMBERS 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 $18,664,556

Investment Income $0

Other Revenue $0

TOTAL REVENUE $18,664,556

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $17,751,111

Other Expenses $734,948

TOTAL EXPENSES $17,751,111

Year-over-Year Comparison

	2024	2023	Change
Revenue	$18,664,556	$12,608,650	+0.5%
Expenses	$17,751,111	$13,926,137	+0.3%
Net Income	$913,445	$-1,317,487	-1.7%

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

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
DANIEL P GARCIA	TRUSTEE	0.20	Director	$0	$0	$0
MICHAEL D BELL	TRUSTEE	0.20	Director	$0	$0	$0
MATTHEW D BURTON	TRUSTEE	0.20	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	$18,664,556	$17,751,111	$3,754,192	$913,445
2024	$12,608,650	$13,926,137	$3,016,550	$-1,317,487
2023	$12,925,124	$13,015,749	$2,527,895	$-90,625
2022	$11,280,737	$11,761,807	$2,501,146	$-481,070
2021	$11,844,381	$11,775,081	$2,913,278	$69,300
2020	$10,462,568	$10,328,635	$3,131,290	$133,933
2019	$10,659,377	$9,182,074	$3,552,674	$1,477,303
2018	$7,966,750	$8,163,882	$2,078,843	$-197,132

CWM EMPLOYEE BENEFIT TRUST