CEM HEALTH AND WELFARE BENEFIT TRUST (EIN 581813097) - 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

1988

Legal Domicile

Principal Officer

Julie Bolton-Williams

Phone

7048217015

Tax Period

2023-07-01 to 2024-06-30

CEM HEALTH AND WELFARE BENEFIT TRUST, founded in 1988, is a community nonprofit that reported $5.2M in total revenue in fiscal year 2023. Revenue grew 9% year-over-year, indicating healthy expansion. Expenses of $4.9M left a modest 6% surplus.

Mission

The CEM Health and Welfare Benefit Trust provides payment of health benefits to CEM Corporation's employees and their covered 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 (2023)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $5,231,709

Investment Income $337

Other Revenue $0

TOTAL REVENUE $5,232,046

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $4,927,206

Other Expenses $714,527

TOTAL EXPENSES $4,927,206

Year-over-Year Comparison

	2023	2022	Change
Revenue	$5,232,046	$4,813,358	+0.1%
Expenses	$4,927,206	$4,720,991	+0.0%
Net Income	$304,840	$92,367	+2.3%

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

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
Michael J Collins	Trustee/Officer	1	Officer Director	$0	$0	$0
Julie Bolton-Williams	Trustee/Officer	1	Officer Director	$0	$0	$0
James Fonseca	Officer	0	Officer	$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
2025	No data	No data	No data	No data
2024	$5,232,046	$4,927,206	$647,346	$304,840
2023	$4,813,358	$4,720,991	$342,506	$92,367
2022	$4,240,274	$4,375,230	$250,139	$-134,956
2021	$4,423,825	$4,324,553	$385,095	$99,272

CEM HEALTH AND WELFARE BENEFIT TRUST