Life Plan Trust Inc (EIN 581928259) - 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

1990

Legal Domicile

Principal Officer

Janita Moody

Phone

9195890017

Tax Period

2024-07-01 to 2025-06-30

Life Plan Trust Inc, founded in 1990, is a small nonprofit in the Health Care sector that reported $257K in total revenue in fiscal year 2024. Revenue decreased 10% compared to the prior year. Expenses of $347K exceeded revenue, resulting in a 35% operating deficit.

Mission

To promote and operate a service program to provide financial management and personal advocacy services to families of persons with severe and persistent mental illness and/or developmental disabilities.

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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 $79,095

Program Service Revenue $161,402

Investment Income $16,051

Other Revenue $135

TOTAL REVENUE $256,683

Expense Breakdown

Grants Paid $0

Salaries & Benefits $271,487

Fundraising Expenses $0

Program Expenses $301,081

Other Expenses $75,424

TOTAL EXPENSES $346,911

Year-over-Year Comparison

	2024	2023	Change
Revenue	$256,683	$286,666	-0.1%
Expenses	$346,911	$328,898	+0.1%
Net Income	$-90,228	$-42,232	+1.1%

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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Altman Z-Score • Liquidity Ratios • Solvency Analysis • Growth Indicators • Efficiency Metrics

Governance

Voting Members

Independent Members

Employees

Volunteers

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

$111,896

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
Janita Moody	Executive Dir.	40.00	Officer	$93,478	$18,418	$111,896
Eddie Cox	Board Member	5.00	Director	$0	$0	$0
Velma Gaye	Board Member	5.00	Director	$0	$0	$0
Dionne Green	Board Member	5.00	Director	$0	$0	$0
Dominique Jones	Board Member	5.00	Director	$0	$0	$0
Leslee Sharpe	Board Member	5.00	Director	$0	$0	$0
Jayne Tipton	President	5.00	Officer Director	$0	$0	$0
Gail Till	Secretary	5.00	Officer Director	$0	$0	$0
Deb Smith	Treasurer	5.00	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	$256,683	$346,911	$661,273	$-90,228
2024	$286,666	$328,898	$711,885	$-42,232
2023	$268,318	$352,213	$713,388	$-83,895
2022	$588,642	$350,425	$775,360	$238,217
2021	$280,129	$336,382	$611,516	$-56,253
2020	$482,227	$330,413	$575,778	$151,814
2019	$242,086	$313,295	$441,266	$-71,209
2018	$326,084	$347,335	$497,459	$-21,251

Life Plan Trust Inc