MONTEREY BAY PUBLIC EMPLOYEES H&W PLAN (EIN 770217858) - 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

1978

Legal Domicile

Principal Officer

KATHARINE BASSLER

Phone

9254544352

Tax Period

2019-04-01 to 2019-11-29

MONTEREY BAY PUBLIC EMPLOYEES H&W PLAN, founded in 1978, is a small nonprofit that reported $351K in total revenue in fiscal year 2019. Revenue surged 1302% from the prior year, signaling strong growth momentum. The organization ran a surplus of $140K, a strong 40% operating margin.

Mission

TO PROVIDE HEALTH AND WELFARE BENEFITS TO ELIGIBLE 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 $0

Investment Income $38

Other Revenue $351,294

TOTAL REVENUE $351,332

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Other Expenses $151,582

TOTAL EXPENSES $211,582

Year-over-Year Comparison

	2019	2018	Change
Revenue	$351,332	$25,062	+13.0%
Expenses	$211,582	$169,549	+0.2%
Net Income	$139,750	$-144,487	-2.0%

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
RICHARD MORENO	TRUSTEE	0.50	Director	$0	$0	$0
KATHARINE BASSLER	TRUSTEE	0.50	Director	$0	$0	$0
GRACIELA HIDALGO	TRUSTEE	0.50	Director	$0	$0	$0
STEVE MCDOUGALL	TRUSTEE	0.50	Director	$0	$0	$0
ANA AGUILLON	TRUSTEE	0.00	Director	$0	$0	$0
SEE SCHEDULE O FOR COMPENSATION	PAID BY RELATED ORGANIZATION	0.00	Director	$0	$0	$1

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	$351,332	$211,582	No data	$139,750
2018	$8,556,532	$8,659,007	$207,428	$-102,475

MONTEREY BAY PUBLIC EMPLOYEES H&W PLAN