PAVERS PENSION FUND HOLDING CORP

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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

Phone

7188863310

Tax Period

2023-01-01 to 2023-12-31

PAVERS PENSION FUND HOLDING CORP, founded in 2018, is a community nonprofit in the Community Improvement sector that reported $3.0M in total revenue in fiscal year 2023. The organization ran a surplus of $1.4M, a strong 48% operating margin.

Mission

THE ORGANIZATION OWNS AND MAINTAINS REAL ESTATE INVESTMENT PROPERTY FOR THE PURPOSE OF REMITTING EXCESS FUNDS TO A QUALIFIED PENSION, PROFIT SHARING, OR STOCK BONUS PLAN THAT MEETS THE REQUIREMENTS OF IRC 401(A).

Program Service Accomplishments

Program 1

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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 $2,955,696

Investment Income $13,159

Other Revenue $0

TOTAL REVENUE $2,968,855

Expense Breakdown

Grants Paid $0

Salaries & Benefits $359,098

Fundraising Expenses $0

Other Expenses $1,189,121

TOTAL EXPENSES $1,548,219

Year-over-Year Comparison

	2023	2022	Change
Revenue	$2,968,855	$2,770,729	+0.1%
Expenses	$1,548,219	$1,485,174	+0.0%
Net Income	$1,420,636	$1,285,555	+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

Employees

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
KEITH LOSCALZO	DIRECTOR/PRESIDENT	1.00	Director	$0	$0	$0
ROBERT WESSELS	DIRECTOR/ SEC TREASURER	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	$2,968,855	$1,548,219	$30,273,237	$1,420,636
2022	$2,770,729	$1,485,174	$29,324,866	$1,285,555
2021	$3,006,869	$1,492,194	$29,274,785	$1,514,675
2020	$2,441,131	$1,307,538	$25,319,350	$1,133,593
2019	$1,765,960	$1,076,538	$25,194,918	$689,422