Plumbers & Pipefitters LU No 286 H&W Fund (EIN 746188725) - 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

1973

Legal Domicile

Principal Officer

Robert Thornton

Phone

5052658422

Tax Period

2024-07-01 to 2025-06-30

Plumbers & Pipefitters LU No 286 H&W Fund, founded in 1973, is a mid-sized nonprofit that reported $34.1M in total revenue in fiscal year 2024. Revenue grew 20% year-over-year, indicating healthy expansion. The organization ran a surplus of $10.5M, a strong 31% operating margin.

Mission

To provide medical benefits to the members of Plumbers and Pipefitters LU No 286.

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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 (2024)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $32,043,930

Investment Income $2,007,183

Other Revenue $0

TOTAL REVENUE $34,051,113

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $23,048,480

Other Expenses $508,897

TOTAL EXPENSES $23,557,377

Year-over-Year Comparison

	2024	2023	Change
Revenue	$34,051,113	$28,469,627	+0.2%
Expenses	$23,557,377	$19,354,720	+0.2%
Net Income	$10,493,736	$9,114,907	+0.2%

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
Robert Thornton	Chairman	002.00	Officer Director	$0	$0	$0
Jeff Henkener	Secretary	002.00	Officer Director	$0	$0	$0
David Condron	Union Trustee	002.00	Director	$0	$0	$0
Kyle Smith	Employer Trustee	002.00	Director	$0	$0	$0
Brian Peabody	Union Trustee	002.00	Director	$0	$0	$0
Zeke Gowin	Employer Trustee	002.00	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
2025	$34,051,113	$23,557,377	$41,328,361	$10,493,736
2024	No data	No data	No data	No data
2023	$19,183,180	$14,423,725	$18,187,734	$4,759,455
2023	$19,053,567	$12,913,117	$19,498,345	$6,140,450
2022	$21,025,036	$19,156,471	$14,338,564	$1,868,565
2021	$21,020,682	$16,598,722	$14,092,703	$4,421,960
2020	$17,749,780	$15,351,449	$7,396,762	$2,398,331
2019	$14,735,693	$14,300,481	$6,463,224	$435,212
2018	$12,351,600	$14,557,394	$5,812,569	$-2,205,794

Plumbers & Pipefitters LU No 286 H&W Fund