AMERICAN GENERAL CORPORATION EMPLOYEE BENEFITS TRUST (EIN 760445582) - 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

MELISSA FOCAZIO

Phone

7138318634

Tax Period

2023-01-01 to 2023-12-31

AMERICAN GENERAL CORPORATION EMPLOYEE BENEFITS TRUST, founded in 1994, is a micro nonprofit that reported $52K in total revenue in fiscal year 2023. Revenue surged 138% from the prior year, signaling strong growth momentum. Expenses of $351K exceeded revenue, resulting in a 571% operating deficit.

Mission

PROVIDE LONG-TERM DISABILITY BENEFITS TO EMPLOYEES OF THE AMERICAN GENERAL CORPORATION.

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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 $16,381

Investment Income $35,978

Other Revenue $0

TOTAL REVENUE $52,359

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Other Expenses $49,053

TOTAL EXPENSES $351,267

Year-over-Year Comparison

	2023	2022	Change
Revenue	$52,359	$21,962	+1.4%
Expenses	$351,267	$404,322	-0.1%
Net Income	$-298,908	$-382,360	-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
N/A	TRUSTEE	0.00		$2,502	$0	$2,502

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	$52,359	$351,267	$622,242	$-298,908
2022	$21,962	$404,322	$912,868	$-382,360
2021	$9,080	$533,245	$1,287,151	$-524,165
2020	$15,019	$625,314	$1,811,994	$-610,295
2019	$52,531	$656,323	$2,422,094	$-603,792

AMERICAN GENERAL CORPORATION EMPLOYEE BENEFITS TRUST