WELFARE BENEFITS TR FOR UNION RETIREES OF SWEDISH MATCH (EIN 826773585) - Form 990 Financial Analysis & Trantor Score

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Tuckman-Chang Vulnerability Assessment

4 risk indicators measuring financial stability and operational resilience

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Financial Trends

Organization Details

Formation Year

2017

Legal Domicile

Principal Officer

FREDRIK SODERBERG

Phone

8047675122

Tax Period

2024-01-01 to 2024-12-31

WELFARE BENEFITS TR FOR UNION RETIREES OF SWEDISH MATCH, founded in 2017, is a small nonprofit in the Mutual Benefit sector that reported $233K in total revenue in fiscal year 2020. Revenue fell 63% from the prior year — a significant decline worth monitoring. Expenses of $865K exceeded revenue, resulting in a 271% operating deficit.

Mission

THE PRIMARY EXEMPT PURPOSE OF THE TRUST IS TO PROVIDE MEDICAL AND/OR OTHER BENEFITS FOR CERTAIN GROUPS OF SWEDISH MATCH RETIREES AND THEIR ELIGIBLE DEPENDENTS.

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Trantor Score

Financial Health & Payment Capacity Assessment (FICO Scale: 300–850)

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Liquidity (40%) • Solvency (30%) • Sustainability (20%) • Efficiency (10%)

Financial Overview (2024)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $0

Investment Income $-65,526

Other Revenue $0

TOTAL REVENUE $-65,526

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Other Expenses $306,128

TOTAL EXPENSES $1,104,476

Year-over-Year Comparison

	2024	2023	Change
Revenue	$-65,526	$-58,440	+0.1%
Expenses	$1,104,476	$1,194,540	-0.1%
Net Income	$-1,170,002	$-1,252,980	-0.1%

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

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
N/A	TRUSTEE	0.00		$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	$-65,526	$1,104,476	$378,366	$-1,170,002
2023	$-58,440	$1,194,540	$1,465,526	$-1,252,980
2022	$-7,440	$1,311,048	$2,555,196	$-1,318,488
2021	$199,654	$1,404,168	$4,414,253	$-1,204,514
2020	$233,405	$865,327	$5,915,948	$-631,922

WELFARE BENEFITS TR FOR UNION RETIREES OF SWEDISH MATCH