WALLS NEWSPAPERS CONSULTANTS EMPLO… - 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

Formation Year

1982

Legal Domicile

Principal Officer

SARAH IRELAND

Phone

2058701684

Tax Period

2019-01-01 to 2019-12-31

WALLS NEWSPAPERS CONSULTANTS EMPLOYEES' MEDICAL PLAN TRUST, founded in 1982, is a community nonprofit that reported $1.3M in total revenue in fiscal year 2019. Revenue grew 20% year-over-year, indicating healthy expansion. Expenses of $1.6M exceeded revenue, resulting in a 30% operating deficit.

Mission

PROVISION OF A SELF-FUNDED EMPLOYER WELFARE BENEFIT PLAN WHICH PROVIDES WELFARE BENEFITS FOR ELIGIBLE EMPLOYEES AND THEIR DEPENDENTS.

Program Service Accomplishments

Program 1

Expenses: $1,309,571

WELFARE BENEFITS PAYMENTS FOR MEDICAL AND DENTAL EXPENSES FOR ELIGIBLE EMPLOYEES AND THEIR DEPENDENTS.

Program 2

Expenses: $184,186

INSURANCE PREMIUM PAYMENTS FOR STOP LOSS INSURANCE, LIFE INSURANCE AND AD&D INSURANCE FOR ELEGIBLE EMPLOYEES AND THEIR DEPENDENTS.

Program 3

Expenses: $138,589

THIRD PARTY ADMINISTRATIVE FEES FOR EVALUATION AND PAYMENT OF PLAN BENEFITS FOR ELIGIBLE 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 $1,251,479

Investment Income $2,882

Other Revenue $0

TOTAL REVENUE $1,254,361

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $1,632,346

Other Expenses $322,775

TOTAL EXPENSES $1,632,346

Year-over-Year Comparison

	2019	2018	Change
Revenue	$1,254,361	$1,046,591	+0.2%
Expenses	$1,632,346	$1,212,289	+0.3%
Net Income	$-377,985	$-165,698	+1.3%

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

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
C LEE WALLS	TRUSTEE	1.00	Director	$0	$0	$0
SARAH IRELAND	TRUSTEE	1.00	Director	$0	$0	$0
JEANNE WALLS	TRUSTEE	1.00	Director	$0	$0	$0
GINGER CAMP	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
2019	$1,254,361	$1,632,346	$262,087	$-377,985
2018	$1,046,591	$1,212,289	$642,652	$-165,698

WALLS NEWSPAPERS CONSULTANTS EMPLOYEES' MEDICAL PLAN TRUST