Royal Ten Cate (USA) Health & Welfare Tr 1040007838 c/o Principal Eric J Knoll (EIN 586251367) - 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

Lynn Perreault

Phone

2054440244

Tax Period

2022-01-01 to 2022-12-31

Royal Ten Cate (USA) Health & Welfare Tr 1040007838 c/o Principal Eric J Knoll, founded in 1990, is a community nonprofit that reported $7.3M in total revenue in fiscal year 2022. Revenue fell 31% from the prior year — a significant decline worth monitoring.

Mission

Voluntary Employees' Beneficiary Assocation organized to pay hospital, surgical, major medical, vision and dental benefits to members or their eligible 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 (2022)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $7,300,597

Investment Income $2,774

Other Revenue $0

TOTAL REVENUE $7,303,371

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $7,110,016

Other Expenses $222,014

TOTAL EXPENSES $7,110,016

Year-over-Year Comparison

	2022	2021	Change
Revenue	$7,303,371	$10,603,322	-0.3%
Expenses	$7,110,016	$10,583,928	-0.3%
Net Income	$193,355	$19,394	+9.0%

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
N/A	Trustee	1.00		$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
2024	No data	No data	No data	No data
2022	$7,303,371	$7,110,016	$538,583	$193,355
2021	$10,603,322	$10,583,928	$345,228	$19,394
2020	$9,457,307	$9,213,086	$325,834	$244,221
2019	$10,185,348	$10,538,657	$131,154	$-353,309
2018	$9,410,863	$9,309,650	$434,922	$101,213

Royal Ten Cate (USA) Health & Welfare Tr 1040007838 c/o Principal Eric J Knoll