CHAMBER BENEFIT ARRANGEMENT TRUST (EIN 825056803) - 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

STEVE MILLARD

Phone

3303765550

Tax Period

2023-01-01 to 2023-12-31

CHAMBER BENEFIT ARRANGEMENT TRUST, founded in 2018, is a mid-sized nonprofit in the Mutual Benefit sector that reported $49.4M in total revenue in fiscal year 2023. Revenue surged 32% from the prior year, signaling strong growth momentum.

Mission

THE ORGANIZATION IS A MULTIPLE EMPLOYER WELFARE ARRANGEMENT WHICH WAS ESTABLISHED TO PROVIDE SELF-FUNDED MEDICAL AND PRESCRIPTION DRUG BENEFITS FOR ITS MEMBERS.

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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 $49,280,331

Investment Income $147,220

Other Revenue $0

TOTAL REVENUE $49,427,551

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Other Expenses $4,778,581

TOTAL EXPENSES $49,361,319

Year-over-Year Comparison

	2023	2022	Change
Revenue	$49,427,551	$37,534,917	+0.3%
Expenses	$49,361,319	$37,511,015	+0.3%
Net Income	$66,232	$23,902	+1.8%

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

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
STEVE MILLARD	PLAN ADMINISTRATOR/TRUSTEE	1.00	Director	$0	$0	$0
JOHN KRAJEWSKI	SECRETARY/TREASURER/TRUSTEE	1.00	Director	$0	$0	$0
MARSHALL LOCHRIDGE	TRUSTEE	1.00	Director	$0	$0	$0
CAMI LERO	TRUSTEE	1.00	Director	$0	$0	$0
ZACHARY KOHL	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	No data	No data	No data	No data
2023	$49,427,551	$49,361,319	$11,015,093	$66,232
2022	$37,534,917	$37,511,015	$11,230,971	$23,902
2021	$29,233,329	$29,230,946	$10,624,602	$2,383
2020	$21,279,961	$21,195,734	$7,264,292	$84,227
2019	$12,040,639	$12,073,793	$6,664,934	$-33,154

CHAMBER BENEFIT ARRANGEMENT TRUST