UFCW COMPREHENSIVE BENEFITS TRUST (EIN 822616834) - 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

2017

Legal Domicile

Principal Officer

JACQUES S LOVEALL

Phone

9257467530

Tax Period

2023-01-01 to 2023-12-31

UFCW COMPREHENSIVE BENEFITS TRUST, founded in 2017, is a mid-sized nonprofit in the Mutual Benefit sector that reported $35.7M in total revenue in fiscal year 2023. Revenue surged 28% from the prior year, signaling strong growth momentum. Expenses of $30.5M left a modest 14% surplus.

Mission

TO PROVIDE HEALTH AND WELFARE BENEFITS TO ELIGIBLE PARTICIPANTS.

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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 $35,308,612

Investment Income $334,462

Other Revenue $43,930

TOTAL REVENUE $35,687,004

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Other Expenses $2,029,980

TOTAL EXPENSES $30,531,879

Year-over-Year Comparison

	2023	2022	Change
Revenue	$35,687,004	$27,918,492	+0.3%
Expenses	$30,531,879	$26,031,931	+0.2%
Net Income	$5,155,125	$1,886,561	+1.7%

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

609

Volunteers

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

$333,607

Total Directors

$1,039,727

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
JACQUES S LOVEALL	CHAIRMAN	5.00	Officer Director	$0	$40,920	$333,607
KEVIN SEARS	SECRETARY	5.00	Officer Director	$0	$0	$0
KIRK L VOGT	TRUSTEE	5.00	Director	$0	$23,886	$292,091
JOHN HEISE	TRUSTEE	5.00	Director	$0	$23,886	$234,248
JOHN FRAHM	TRUSTEE	5.00	Director	$0	$15,105	$179,781

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	$35,687,004	$30,531,879	$22,138,143	$5,155,125
2022	$27,918,492	$26,031,931	$14,765,781	$1,886,561
2021	$28,579,984	$29,703,058	$12,829,384	$-1,123,074
2020	$28,936,412	$25,832,220	$11,878,341	$3,104,192
2019	$13,737,728	$13,759,663	$6,464,686	$-21,935
2018	$15,556,830	$12,256,837	$5,560,088	$3,299,993

UFCW COMPREHENSIVE BENEFITS TRUST