WALMART INC ASSOCIATES' HEALTH & WELFARE TRUST (EIN 710569421) - 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

1983

Legal Domicile

Principal Officer

KIM LUPO

Phone

8004211362

Tax Period

2023-01-01 to 2023-12-31

WALMART INC ASSOCIATES' HEALTH & WELFARE TRUST, founded in 1983, is a large national nonprofit that reported $3.2B in total revenue in fiscal year 2019. Revenue fell 21% from the prior year — a significant decline worth monitoring.

Mission

TO PROVIDE HEALTH AND WELFARE BENEFITS TO ELIGIBLE ASSOCIATES OF WALMART INC. IN THE UNITED STATES AND PUERTO RICO. THE ASSOCIATES' HEALTH AND WELFARE PLAN PRIMARILY PROVIDES MEDICAL, DENTAL AND OTHER BENEFITS TO ENROLLED PARTICIPANTS WITH CONTRIBUTIONS PROVIDED BY THE PLAN SPONSOR AND ENROLLED PARTICIPANTS.

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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 $3,525,033,708

Investment Income $930,628

Other Revenue $0

TOTAL REVENUE $3,525,964,336

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $3,522,678,833

Other Expenses $225,137,871

TOTAL EXPENSES $3,522,678,833

Year-over-Year Comparison

	2023	2022	Change
Revenue	$3,525,964,336	$3,242,798,666	+0.1%
Expenses	$3,522,678,833	$3,242,519,445	+0.1%
Net Income	$3,285,503	$279,221	+10.8%

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

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
N/A	BANK TRUSTEE	40.00		$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	No data	No data	No data	No data
2023	$3,525,964,336	$3,522,678,833	$890,109,833	$3,285,503
2022	$3,242,798,666	$3,242,519,445	$859,173,274	$279,221
2021	$3,518,068,224	$3,516,402,176	$855,770,583	$1,666,048
2020	$3,098,619,372	$3,108,245,460	$818,249,805	$-9,626,088
2019	$3,196,263,058	$3,196,388,081	$714,582,736	$-125,023

WALMART INC ASSOCIATES' HEALTH & WELFARE TRUST