TRUST FOR RETIREE MEDICAL DENTAL AND LIFE INSURANCE PLAN OF ARMY AND AIRFOR CE EXCHANGE SERVICE (EIN 752503003) - 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

1993

Legal Domicile

Phone

2143122327

Tax Period

2023-01-01 to 2023-12-31

TRUST FOR RETIREE MEDICAL DENTAL AND LIFE INSURANCE PLAN OF ARMY AND AIRFOR CE EXCHANGE SERVICE, founded in 1993, is a mid-sized nonprofit that reported $77.0M in total revenue in fiscal year 2023. Expenses of $98.3M exceeded revenue, resulting in a 28% operating deficit.

Mission

EMPLOYEE WELFARE TRUST

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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 $10,748,939

Investment Income $31,445,206

Other Revenue $34,767,179

TOTAL REVENUE $76,961,324

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $0

Other Expenses $29,009,004

TOTAL EXPENSES $98,290,749

Year-over-Year Comparison

	2023	2022	Change
Revenue	$76,961,324	$71,902,348	+0.1%
Expenses	$98,290,749	$92,817,862	+0.1%
Net Income	$-21,329,425	$-20,915,514	+0.0%

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
N/A	TRUSTEE	1.0	Director	$0	$0	$0
N/A	TRUSTEE	1.0	Director	$0	$0	$0
N/A	TRUSTEE	1.0	Director	$0	$0	$0
N/A	TRUSTEE	1.0	Director	$0	$0	$0
N/A	TRUSTEE	1.0	Director	$0	$0	$0
N/A	Trustee	1.0	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	$76,961,324	$98,290,749	$2,067,983,393	$-21,329,425
2022	$71,902,348	$92,817,862	$1,941,479,010	$-20,915,514
2021	$137,537,139	$131,035,470	$2,248,868,361	$6,501,669
2020	$123,002,151	$119,959,861	$1,997,034,148	$3,042,290
2019	$203,732,485	$123,782,240	$1,892,054,006	$79,950,245
2018	$144,727,212	$122,331,504	$1,691,048,915	$22,395,708

TRUST FOR RETIREE MEDICAL DENTAL AND LIFE INSURANCE PLAN OF ARMY AND AIRFOR CE EXCHANGE SERVICE