SAVIO HOUSE EMPLOYEE MEDICAL PLAN AND TRUST (EIN 721553094) - 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

2001

Legal Domicile

Principal Officer

VONNIE HERGETT

Phone

3032254100

Tax Period

2023-01-01 to 2023-12-31

SAVIO HOUSE EMPLOYEE MEDICAL PLAN AND TRUST, founded in 2001, is a micro nonprofit in the Mutual Benefit sector that reported $23K in total revenue in fiscal year 2023. Revenue fell 48% from the prior year — a significant decline worth monitoring. The organization ran a surplus of $7K, a strong 30% operating margin.

Mission

TO PROVIDE MEDICAL CARE BENEFITS FOR ELIGIBLE EMPLOYEES OF THE PLAN SPONSOR, SAVIO HOUSE, AND THEIR ELIGIBLE DEPENDENTS COVERED BY THE PLAN.

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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 (2023)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $0

Investment Income $23,447

Other Revenue $0

TOTAL REVENUE $23,447

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Other Expenses $9,155

TOTAL EXPENSES $16,489

Year-over-Year Comparison

	2023	2022	Change
Revenue	$23,447	$45,013	-0.5%
Expenses	$16,489	$16,425	+0.0%
Net Income	$6,958	$28,588	-0.8%

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
SEAN DEBNATH	TRUSTEE	1.00	Director	$0	$0	$0
VONNIE HERGETT	TRUSTEE	1.00	Director	$0	$0	$0
ROBERT MCCORMICK	TRUSTEE	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
2024	No data	No data	No data	No data
2023	$23,447	$16,489	$1,400,480	$6,958
2022	$45,013	$16,425	$1,193,339	$28,588
2021	$16,731	$17,083	$1,422,981	$-352
2020	$15,689	$19,238	$1,280,821	$-3,549
2019	$36,032	$12,885	$1,102,609	$23,147
2018	$43,493	$39,879	$915,882	$3,614

SAVIO HOUSE EMPLOYEE MEDICAL PLAN AND TRUST