UFCW HEALTH INSURANCE PLAN FOR RETIREES (EIN 811529180) - 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

2016

Legal Domicile

Principal Officer

MILTON L JONES

Phone

2022233111

Tax Period

2024-03-01 to 2025-02-28

UFCW HEALTH INSURANCE PLAN FOR RETIREES, founded in 2016, is a mid-sized nonprofit in the Mutual Benefit sector that reported $24.5M in total revenue in fiscal year 2024. Revenue grew 13% year-over-year, indicating healthy expansion.

Mission

TO PROVIDE HEALTH AND MEDICAL BENEFITS AND SERVICES.

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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 $24,504,744

Investment Income $0

Other Revenue $0

TOTAL REVENUE $24,504,744

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Other Expenses $684,253

TOTAL EXPENSES $24,511,230

Year-over-Year Comparison

	2024	2023	Change
Revenue	$24,504,744	$21,778,082	+0.1%
Expenses	$24,511,230	$21,814,730	+0.1%
Net Income	$-6,486	$-36,648	-0.8%

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

$1,827,959

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
ANTHONY M PERRONE	INTERNATIONAL PRESIDENT	0.20	Director	$0	$61,441	$377,505
MILTON L JONES	INT'L SECY-TREASURER	0.20	Director	$0	$61,441	$319,216
MICHAEL S HAGGERTY	EXEC VP/NAT'L PRESIDENT	0.20	Director	$0	$47,111	$223,278
PAUL R MEINEMA	EXEC VP/NAT'L PRESIDENT (FORMER)	0.20	Director	$0	$39,947	$302,190
STUART APPELBAUM	EXEC VP/PRESIDENT RWDSU	0.20	Director	$0	$33,450	$33,450
DAVID T YOUNG	EXECUTIVE VICE PRESIDENT/ORG DIR	0.20	Director	$0	$62,423	$298,670
LORI A WERNER	EXECUTIVE VICE PRESIDENT (FORMER)	0.20	Director	$0	$23,214	$273,650
WARREN S BARCLAY	INT'L SECY-TREASURER (FORMER)	0.00		$0	$0	$42,262

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	$24,504,744	$24,511,230	$176,866	$-6,486
2024	$21,778,082	$21,814,730	$183,352	$-36,648
2023	$22,743,924	$22,606,379	$220,000	$137,545
2022	$20,143,189	$20,213,291	$82,455	$-70,102
2021	$25,757,691	$25,857,344	$152,557	$-99,653
2020	$27,011,748	$27,004,149	$252,210	$7,599
2019	$29,068,475	$29,079,422	$244,611	$-10,947
2018	$30,483,076	$30,566,895	$255,558	$-83,819

UFCW HEALTH INSURANCE PLAN FOR RETIREES