TAMPA BANANA HANDLERS WELFARE FUND co National Employee Benefit Administrators (EIN 590871598) - 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

1979

Legal Domicile

Principal Officer

ANDRE DUBOIS

Phone

9542666322

Tax Period

2023-10-01 to 2024-09-30

TAMPA BANANA HANDLERS WELFARE FUND co National Employee Benefit Administrators, founded in 1979, is a small nonprofit that reported $392K in total revenue in fiscal year 2023. Revenue fell 21% from the prior year — a significant decline worth monitoring. Expenses of $459K exceeded revenue, resulting in a 17% operating deficit.

Mission

PROVIDE HEALTH AND VACATION BENEFITS TO ELIGIBLE MEMBERS

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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 $387,939

Investment Income $4,197

Other Revenue $0

TOTAL REVENUE $392,136

Expense Breakdown

Grants Paid $0

Salaries & Benefits $6,925

Fundraising Expenses $0

Other Expenses $167,014

TOTAL EXPENSES $458,792

Year-over-Year Comparison

	2023	2022	Change
Revenue	$392,136	$497,586	-0.2%
Expenses	$458,792	$605,657	-0.2%
Net Income	$-66,656	$-108,071	-0.4%

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
ANDRE DUBOIS	CHAIRMAN	5.00	Officer Director	$0	$0	$0
ANTHONY BATES	TRUSTEE	5.00	Director	$0	$0	$0
TORREY NORMAN	TRUSTEE	5.00	Director	$0	$0	$0
HOWARD ROUNDTREE	TRUSTEE	5.00	Director	$0	$0	$0
MICHAEL NEWTON	TRUSTEE	5.00	Director	$0	$0	$0
MICHEL BRISEBOIS	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
2024	$392,136	$458,792	$158,471	$-66,656
2023	$497,586	$605,657	$218,347	$-108,071
2022	$1,165,096	$1,174,274	$323,294	$-9,178
2021	$697,255	$1,002,978	$338,613	$-305,723
2020	$205,420	$831,352	$632,449	$-625,932
2019	$753,833	$877,928	$1,244,483	$-124,095
2018	$818,131	$930,946	$1,342,264	$-112,815

TAMPA BANANA HANDLERS WELFARE FUND co National Employee Benefit Administrators