CAREALL MANAGEMENT LLC EMPLOYMENT BENEFIT FUND (EIN 621591522) - 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

1994

Legal Domicile

Principal Officer

WILLIAM RAMSEY

Phone

6156476238

Tax Period

2018-01-01 to 2018-12-31

CAREALL MANAGEMENT LLC EMPLOYMENT BENEFIT FUND, founded in 1994, is a small nonprofit that reported $907K in total revenue in fiscal year 2018. Revenue fell 46% from the prior year — a significant decline worth monitoring. Expenses of $1.1M exceeded revenue, resulting in a 17% operating deficit.

Mission

This Trust is established for the sole and exclusive benefit of the employees and owners of the Employer and certain of its affiliates for the purpose of holding assets of the Plan in trust in accordance with Section 403 of ERISA, pending the payment of self-insured medical benefits.

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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 (2018)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $906,929

Investment Income $0

Other Revenue $0

TOTAL REVENUE $906,929

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $1,055,245

Other Expenses $96,133

TOTAL EXPENSES $1,064,045

Year-over-Year Comparison

	2018	2017	Change
Revenue	$906,929	$1,666,672	-0.5%
Expenses	$1,064,045	$1,639,494	-0.4%
Net Income	$-157,116	$27,178	-6.8%

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

$276,930

Total Directors

$276,930

Key Employees

Highest Compensated

reported

Name	Title	Role	Reportable Comp	Other Comp	Total
TRAVIS ANDERSON	VICE CHAIRMAN	Officer Director	$0	$0	$35,000
WILLIAM RAMSEY	Chairman	Officer Director	$0	$0	$35,000
CHRISTINE PALMER	Secretary	Officer Director	$0	$0	$44,430
RANDY FORREST	INTERIM CEO	Officer Director	$0	$0	$162,500
MARY LYNN GOTTKE	VP FINANCE	Highest	$0	$0	$188,306

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
2018	$906,929	$1,064,045	$125,028	$-157,116

CAREALL MANAGEMENT LLC EMPLOYMENT BENEFIT FUND