WESTERN HEALTH ADVANTAGE (EIN 680393304) - 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

1995

Legal Domicile

Principal Officer

RITA RUECKER

Phone

9165633188

Tax Period

2022-07-01 to 2023-06-30

WESTERN HEALTH ADVANTAGE, founded in 1995, is a major nonprofit in the Health Care sector that reported $707.9M in total revenue in fiscal year 2022.

Mission

PROVIDING HEALTH COVERAGE AND FURTHERING THE MISSIONS OF THE TAX EXEMPT ORGANIZATION 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 (2022)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $707,738,061

Investment Income $111,151

Other Revenue $64,470

TOTAL REVENUE $707,913,682

Expense Breakdown

Grants Paid $1,103,253

Salaries & Benefits $25,536,398

Fundraising Expenses $0

Program Expenses $690,280,979

Other Expenses $679,614,789

TOTAL EXPENSES $706,254,440

Year-over-Year Comparison

	2022	2021	Change
Revenue	$707,913,682	$674,431,140	+0.0%
Expenses	$706,254,440	$678,629,543	+0.0%
Net Income	$1,659,242	$-4,198,403	-1.4%

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

Employees

278

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

$1,869,333

Total Directors

$1,249,118

Key Employees

$2,325,668

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
GARRY MAISEL	CHIEF EXECUTIVE OFFICER	40.00	Officer Director	$1,213,166	$35,952	$1,249,118
MARIETTE RUECKER	TREASURER AND CFO	40.00	Officer	$562,377	$57,838	$620,215
DR KHURAM ARIF	CHIEF MEDICAL OFFICER	40.00	Key Emp	$499,874	$81,191	$581,065
JEFFREY CINCIARELLI	CHIEF SALES OFFICER	40.00	Key Emp	$480,679	$31,103	$511,782
REBECCA DOWNING	CHIEF LEGAL OFFICER	40.00	Key Emp	$371,938	$64,848	$436,786
GLENN HAMBURG	CHIEF INFORMATION OFFICER	40.00	Key Emp	$357,633	$55,741	$413,374
FREDERICK HERON	CHIEF EXPERIENCE OFFICER	40.00	Key Emp	$324,325	$58,336	$382,661
MARY INGRAM	ACTUARIAL SERVICES DIRECTOR	40.00	Highest	$232,150	$37,453	$269,603
ELIZABETH HARGETT	SALES DIRECTOR	40.00	Highest	$207,881	$37,792	$245,673
PAMELA HAMBURG	SYSTEMS CONTRACT DIRECTOR	40.00	Highest	$207,579	$34,305	$241,884
MICHELE LEHUTA	GOVERNMENT PROGRAMS DIRECT	40.00	Highest	$209,838	$21,556	$231,394
AMARJOT KIRAN BIRING	PHARMACY DIRECTOR	40.00	Highest	$212,931	$9,896	$222,827
TAMMY WILCOX	CHAIRMAN OF THE BOARD	1.00	Officer Director	$0	$0	$0
B KONARD JONES	VICE CHAIR OF THE BOARD	1.00	Officer Director	$0	$0	$0
ROBERT QUINN MD	SECRETARY OF THE BOARD	1.00	Officer Director	$0	$0	$0
DAVID JOYNER	DIRECTOR	1.00	Director	$0	$0	$0
DR SHANAZ KHAMBATTA DO	DIRECTOR	1.00	Director	$0	$0	$0
DR ALVIN SOCKOLOV MD	DIRECTOR (THRU 06/23)	1.00	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	No data	No data	No data	No data
2023	$707,913,682	$706,254,440	$103,396,609	$1,659,242
2022	$674,431,140	$678,629,543	$80,369,476	$-4,198,403
2021	$677,026,958	$678,025,204	$64,316,752	$-998,246
2020	$742,178,314	$740,653,354	$81,557,418	$1,524,960
2019	$786,708,097	$788,826,098	$74,023,272	$-2,118,001
2018	$757,786,044	$752,550,643	$84,964,681	$5,235,401

WESTERN HEALTH ADVANTAGE