BOSTON PLASTERER'S & CEMENT MASONS' SUPPLEMENTAL UNEMPLOYMENT BEN PLAN (EIN 611424309) - 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

2002

Legal Domicile

Principal Officer

JAMES MULCAHY

Phone

6178254500

Tax Period

2024-10-01 to 2025-09-30

BOSTON PLASTERER'S & CEMENT MASONS' SUPPLEMENTAL UNEMPLOYMENT BEN PLAN, founded in 2002, is a small nonprofit in the Mutual Benefit sector that reported $698K in total revenue in fiscal year 2024. The organization ran a surplus of $148K, a strong 21% operating margin.

Mission

TO PROVIDE SUPPLEMENTAL UNEMPLOYMENT COMPENSATION, SICKNESS AND ACCIDENT BENEFITS, LIFE BENEFITS, LEGAL, AND VACATION BENEFITS TO ITS 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 (2024)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $592,817

Investment Income $88,682

Other Revenue $16,726

TOTAL REVENUE $698,225

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Other Expenses $68,758

TOTAL EXPENSES $550,566

Year-over-Year Comparison

	2024	2023	Change
Revenue	$698,225	$699,897	0.0%
Expenses	$550,566	$645,291	-0.1%
Net Income	$147,659	$54,606	+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

N/A

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

$36,015

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
JAMES MULCAHY	TRUSTEE	1.00	Director	$0	$7,444	$16,076
ERMIR RAMA	TRUSTEE	1.00	Director	$1,304	$5,042	$10,921
VICTORIA MIRABELLA	TRUSTEE	1.00	Director	$590	$4,173	$9,018
STEPHEN AFFANATO	TRUSTEE	N/A	Director	$0	$0	$0
MICHAEL FRIAS	TRUSTEE	N/A	Director	$0	$0	$0
DAVID P POWELL	TRUSTEE	N/A	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	$698,225	$550,566	$2,944,175	$147,659
2024	$699,897	$645,291	$2,732,522	$54,606
2023	$585,716	$403,035	$2,511,886	$182,681
2022	$614,082	$413,441	$2,248,354	$200,641
2021	$591,233	$331,349	$2,364,678	$259,884
2020	$396,640	$396,559	$2,098,422	$81
2019	$230,772	$191,106	$2,130,036	$39,666
2018	$249,910	$219,933	$1,998,230	$29,977

BOSTON PLASTERER'S & CEMENT MASONS' SUPPLEMENTAL UNEMPLOYMENT BEN PLAN