AFOF L - AGC BUILDING TRADES WELFARE PLAN (EIN 630327100) - Form 990 Financial Analysis & Trantor Score

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Tuckman-Chang Vulnerability Assessment

4 risk indicators measuring financial stability and operational resilience

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Financial Trends

Organization Details

Formation Year

1966

Legal Domicile

Principal Officer

ALLEN STEADHAM

Phone

2514384765

Tax Period

2023-07-01 to 2024-06-30

AFOF L - AGC BUILDING TRADES WELFARE PLAN, founded in 1966, is a mid-sized nonprofit that reported $12.4M in total revenue in fiscal year 2017. Revenue grew 14% year-over-year, indicating healthy expansion. The organization ran a surplus of $2.3M, a strong 18% operating margin.

Mission

To provide health benefits to its members.

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Trantor Score

Financial Health & Payment Capacity Assessment (FICO Scale: 300–850)

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Liquidity (40%) • Solvency (30%) • Sustainability (20%) • Efficiency (10%)

Financial Overview (2023)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $17,650,237

Investment Income $1,308,137

Other Revenue $55,560

TOTAL REVENUE $19,013,934

Expense Breakdown

Grants Paid $0

Salaries & Benefits $166,101

Fundraising Expenses $0

Other Expenses $1,464,296

TOTAL EXPENSES $18,467,647

Year-over-Year Comparison

	2023	2022	Change
Revenue	$19,013,934	$17,602,037	+0.1%
Expenses	$18,467,647	$17,010,910	+0.1%
Net Income	$546,287	$591,127	-0.1%

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

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
ALLEN STEADMAN	CHAIRMAN	10.00	Officer Director	$0	$0	$0
LAWAYNE BOWLEN	TRUSTEE	5.00	Director	$0	$0	$0
LEE BAILEY	TRUSTEE	5.00	Director	$0	$0	$0
CHARLIE SHERWOOD	TRUSTEE	5.00	Director	$0	$0	$0
TIM MILLER	TRUSTEE	5.00	Director	$0	$0	$0
ADAM BROOKS	TRUSTEE	5.00	Director	$0	$0	$0
JAY SCHUELLY	TRUSTEE	5.00	Director	$0	$0	$0
GAVIN RATHBONE	TRUSTEE	5.00	Director	$0	$0	$0
JEFF SMITH	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
2025	No data	No data	No data	No data
2024	$19,013,934	$18,467,647	$34,946,563	$546,287
2023	$17,602,037	$17,010,910	$33,881,083	$591,127
2022	$15,699,477	$14,768,129	$32,732,825	$931,348
2021	$14,448,543	$12,555,993	$23,480,933	$1,892,550
2020	$11,399,742	$12,044,678	$20,957,864	$-644,936
2019	$13,392,943	$13,067,354	$21,937,827	$325,589
2018	$12,409,845	$10,135,098	$21,023,921	$2,274,747

AFOF L - AGC BUILDING TRADES WELFARE PLAN