AOCDS INSURANCE BENEFITS TRUST

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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

Juan Viramontes

Phone

7142852800

Tax Period

2024-07-01 to 2025-06-30

AOCDS INSURANCE BENEFITS TRUST, founded in 2017, is a community nonprofit in the Human Services sector that reported $8.7M in total revenue in fiscal year 2024. Revenue grew 9% year-over-year, indicating healthy expansion. Expenses of $8.4M left a modest 3% surplus.

Mission

The purpose of this Trust is to use and invest the contributions received for the exclusive purpose of providing benefits to participants and their beneficiaries and defraying reasonable expenses of administration. This purpose shall be accomplished in accordance with all applicable laws.

Program Service Accomplishments

Program 1

Provided dental, vision, long-term disability, and life and accidental and dismemberment benefits to eligible participants and eligible dependents

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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 $8,516,382

Investment Income $179,987

Other Revenue $0

TOTAL REVENUE $8,696,369

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Other Expenses $571,804

TOTAL EXPENSES $8,430,566

Year-over-Year Comparison

	2024	2023	Change
Revenue	$8,696,369	$7,964,391	+0.1%
Expenses	$8,430,566	$7,530,307	+0.1%
Net Income	$265,803	$434,084	-0.4%

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

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
Joe Medina	Secretary	2.00	Director	$0	$0	$0
Dan Bohling	Trustee	2.00	Director	$0	$0	$0
Jeremy Johnson	Trustee	2.00	Director	$0	$0	$0
Juan Viramontes	Chairman	4.00	Director	$0	$0	$0
Rodney Cash	Trustee	2.00	Director	$0	$0	$0
Richard Oates	Trustee	2.00	Director	$0	$0	$0
Francisco Ochoa	Treasurer	2.00	Director	$0	$0	$0
Paul Bartlett	CFO	6.00	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
2025	$8,696,369	$8,430,566	$3,336,399	$265,803
2024	No data	No data	No data	No data
2023	$7,578,020	$6,930,716	$2,549,713	$647,304
2022	$7,334,588	$6,868,528	$1,868,230	$466,060
2021	$7,233,639	$7,047,201	$1,396,247	$186,438
2020	$6,945,109	$6,912,000	$1,280,126	$33,109
2019	$6,831,509	$6,812,160	$1,316,250	$19,349