SEMA Construction Employee Benefit… - Form 990 Financial Data

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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

Principal Officer

SHERRITA WADE

Phone

5126527593

Tax Period

2019-01-01 to 2019-12-31

SEMA Construction Employee Benefit Trust is a community nonprofit that reported $1.4M in total revenue in fiscal year 2019. Revenue grew 10% year-over-year, indicating healthy expansion. Expenses of $1.6M exceeded revenue, resulting in a 13% operating deficit.

Mission

SEMA CONTRUCTION EMPLOYEE BENEFIT TRUST IS A VOLUNTARY EMPLOYEES' BENEFICIARY ASSOCIATION THAT PROVIDES FOR THE PAYMENT OF LIFE, MEDICAL, DENTAL, AND VISION BENEFITS TO CURRENT AND ELIGIBLE FORMER SEMA CONSTRUCTION INC. EMPLOYEES AND THEIR DEPENDENTS.

Program Service Accomplishments

Program 1

Expenses: $1,568,093 Revenue: $1,385,276

Providing for the payment of Life, Medical, Dental, and Vision benefits to current and eligible former SEMA Construction employees and their dependents.

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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 (2019)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $1,382,186

Investment Income $3,090

Other Revenue $0

TOTAL REVENUE $1,385,276

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $1,568,093

Other Expenses $43,495

TOTAL EXPENSES $1,568,093

Year-over-Year Comparison

	2019	2018	Change
Revenue	$1,385,276	$1,257,109	+0.1%
Expenses	$1,568,093	$1,283,360	+0.2%
Net Income	$-182,817	$-26,251	+6.0%

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

337

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
Comerica	VP & Trust Officer	10.0		$3,000	$0	$3,000

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
2019	$1,385,276	$1,568,093	$-457	$-182,817
2018	$1,257,109	$1,283,360	$434,676	$-26,251

SEMA Construction Employee Benefit Trust