EMPLOYEES' BENEFICIARY ASSOCIATION OF WARD/KRAFT FORMS INC (EIN 736227266) - 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

1986

Legal Domicile

Principal Officer

ROGER KRAFT

Phone

6202235500

Tax Period

2019-01-01 to 2019-12-31

EMPLOYEES' BENEFICIARY ASSOCIATION OF WARD/KRAFT FORMS INC, founded in 1986, is a small nonprofit that reported $138K in total revenue in fiscal year 2019. Revenue fell 95% from the prior year — a significant decline worth monitoring. Expenses of $257K exceeded revenue, resulting in a 87% operating deficit.

Mission

PROVIDE HEALTH, LIFE AND DISABILITY BENEFITS TO PARTICIPANTS 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 $137,560

Investment Income $152

Other Revenue $0

TOTAL REVENUE $137,712

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $256,868

Other Expenses $4,615

TOTAL EXPENSES $256,868

Year-over-Year Comparison

	2019	2018	Change
Revenue	$137,712	$2,872,182	-1.0%
Expenses	$256,868	$2,808,272	-0.9%
Net Income	$-119,156	$63,910	-2.9%

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

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

$698,984

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
ROGER KRAFT	TRUSTEE	1.00	Director	$0	$9,201	$269,273
CHRIS FARMER	TRUSTEE	1.00	Director	$0	$2,311	$58,817
PHIL QUICK	TRUSTEE	1.00	Director	$0	$11,421	$153,084
GINA STAUDINGER	TRUSTEE	1.00	Director	$0	$11,589	$152,062
SARA GRIFFITH	TRUSTEE	1.00	Director	$0	$10,757	$65,748

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	$137,712	$256,868	No data	$-119,156
2018	$2,872,182	$2,808,272	$334,636	$63,910

EMPLOYEES' BENEFICIARY ASSOCIATION OF WARD/KRAFT FORMS INC