LALOR DENTAL LLC VOLUNTARY EMPLOYEES BENEFICIARY ASSOC TRUST (EIN 825054217) - 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

2018

Legal Domicile

Principal Officer

Robert A Lalor

Phone

6079534797

Tax Period

2025-01-01 to 2025-12-31

LALOR DENTAL LLC VOLUNTARY EMPLOYEES BENEFICIARY ASSOC TRUST, founded in 2018, is a community nonprofit in the Mutual Benefit sector that reported $1.1M in total revenue in fiscal year 2025. Revenue surged 29% from the prior year, signaling strong growth momentum. Expenses of $990K left a modest 6% surplus.

Mission

PROVIDE HEALTH & WELFARE BENEFITS, EMERGENCY & DISASTER RELIEF FOR EMPLOYEES & DEPENDENTS OF LALOR DENTAL, LLC., AND EDUCATIONAL SCHOLARSHIPS FOR EMPLOYEES, THEIR DEPENDENTS, AND CURRENT PATIENTS OF THE COMPANY.

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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 (2025)

Revenue Breakdown

Contributions & Grants $6,299

Program Service Revenue $1,050,085

Investment Income $0

Other Revenue $0

TOTAL REVENUE $1,056,384

Expense Breakdown

Grants Paid $47,570

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $990,139

Other Expenses $610

TOTAL EXPENSES $990,139

Year-over-Year Comparison

	2025	2024	Change
Revenue	$1,056,384	$816,037	+0.3%
Expenses	$990,139	$802,210	+0.2%
Net Income	$66,245	$13,827	+3.8%

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

446

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

$275,393

Total Directors

$275,393

Key Employees

$545,489

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
ROBERT A LALOR	MEMBER	0	Officer Director Key Emp	$0	$0	$275,393
MARY JOHN	KEY EMPLOYEE	0	Key Emp	$0	$0	$270,096

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	$1,056,384	$990,139	$952,828	$66,245
2024	$816,037	$802,210	$886,583	$13,827
2023	$911,416	$690,451	$872,756	$220,965
2022	$200,253	$284,244	$651,860	$-83,991
2021	$789,755	$321,273	$735,851	$468,482
2020	$300,898	$262,761	$267,369	$38,137

LALOR DENTAL LLC VOLUNTARY EMPLOYEES BENEFICIARY ASSOC TRUST