MONTANA RETAIL EMPLOYEES HEALTH AND WELFARE TRUST (EIN 810305103) - 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

1968

Legal Domicile

Principal Officer

TERRIE TRETTENBACH

Phone

5095340600

Tax Period

2023-10-01 to 2024-09-30

MONTANA RETAIL EMPLOYEES HEALTH AND WELFARE TRUST, founded in 1968, is a mid-sized nonprofit that reported $13.9M in total revenue in fiscal year 2023. The organization ran a surplus of $3.1M, a strong 23% operating margin.

Mission

PROVIDE HEALTH AND WELFARE BENEFITS

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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 $13,323,147

Investment Income $564,240

Other Revenue $0

TOTAL REVENUE $13,887,387

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Other Expenses $688,880

TOTAL EXPENSES $10,746,250

Year-over-Year Comparison

	2023	2022	Change
Revenue	$13,887,387	$13,499,364	+0.0%
Expenses	$10,746,250	$12,466,812	-0.1%
Net Income	$3,141,137	$1,032,552	+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

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

$294,288

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
NICOLAI COCERGINE	TRUSTEE	1.00	Director	$112,273	$15,934	$128,207
TERRIE TRETTENBACH	TRUSTEE	1.00	Director	$80,880	$15,934	$96,814
PAULETTE DURYEE	ALTERNATE TRUSTEE - PAST	1.00	Director	$53,853	$15,414	$69,267
BRENT BOHN	TRUSTEE	1.00	Director	$0	$0	$0
KATINA WOOD	TRUSTEE	1.00	Director	$0	$0	$0
STEVE BREZENSKI	TRUSTEE	1.00	Director	$0	$0	$0
JESSICA KONG	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
2024	$13,887,387	$10,746,250	$17,635,711	$3,141,137
2023	$13,499,364	$12,466,812	$14,350,506	$1,032,552
2022	$12,448,393	$12,737,076	$13,802,115	$-288,683
2021	$12,488,989	$11,427,197	$13,835,872	$1,061,792
2020	$11,580,620	$12,448,203	$13,535,709	$-867,583
2019	$11,528,402	$11,146,695	$13,937,047	$381,707
2018	$10,732,495	$10,077,893	$13,198,685	$654,602

MONTANA RETAIL EMPLOYEES HEALTH AND WELFARE TRUST