TRUST FOR HEALTH CARE BENEFITS PLAN RESERVE COMMUNICATIONS & COMPUTER CORP (EIN 726157434) - 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

1994

Legal Domicile

Principal Officer

PETER LOUVIERE

Phone

2256214200

Tax Period

2023-01-01 to 2023-12-31

TRUST FOR HEALTH CARE BENEFITS PLAN RESERVE COMMUNICATIONS & COMPUTER CORP, founded in 1994, is a community nonprofit that reported $4.1M in total revenue in fiscal year 2023. Revenue decreased 5% compared to the prior year. Expenses of $4.6M exceeded revenue, resulting in a 12% operating deficit.

Mission

THE PLAN PROVIDES HEALTH BENEFITS (MEDICAL, HOSPITAL, SURGICAL, MAJOR MEDICAL AND LIMITED VISION) TO FULL TIME EMPLOYEES OF THE SPONSOR WHO MEET ELIGIBILITY REQUIREMENTS AND TO THEIR BENEFICIARIES AND COVERED DEPENDENTS. RETIRED EMPLOYEES ARE ENTITLED TO SIMILAR HEALTH BENEFITS PROVIDED THEY HAVE RETIRED FROM THE SPONSOR IN ACCORDANCE WITH THE SPONSOR'S RETIREMENT POLICIES AND PAY THE STIPULATED CONTRIBUTION REQUIRED 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 $4,103,434

Investment Income $27,602

Other Revenue $0

TOTAL REVENUE $4,131,036

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Other Expenses $566,209

TOTAL EXPENSES $4,609,074

Year-over-Year Comparison

	2023	2022	Change
Revenue	$4,131,036	$4,363,742	-0.1%
Expenses	$4,609,074	$4,648,287	0.0%
Net Income	$-478,038	$-284,545	+0.7%

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

N/A

Independent Members

N/A

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	TRUSTEE	1.00		$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	$4,131,036	$4,609,074	$272,077	$-478,038
2022	$4,363,742	$4,648,287	$750,115	$-284,545
2021	$4,154,126	$4,602,691	$1,034,660	$-448,565
2020	$4,109,324	$3,657,030	$1,483,225	$452,294
2019	$3,663,964	$3,370,715	$1,030,931	$293,249
2018	$3,527,410	$3,359,754	$754,645	$167,656

TRUST FOR HEALTH CARE BENEFITS PLAN RESERVE COMMUNICATIONS & COMPUTER CORP