ESCH GROUP VOLUNTARY EMPLOYEE BENE… - Form 990 Financial Data

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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

2019

Legal Domicile

Principal Officer

ANDREW J MOSES

Phone

4794435881

Tax Period

2023-01-01 to 2023-12-31

ESCH GROUP VOLUNTARY EMPLOYEE BENEFICIARY ASSOCIATION TR, founded in 2019, is a community nonprofit in the Mutual Benefit sector that reported $1.8M in total revenue in fiscal year 2023. Revenue decreased 13% compared to the prior year. Expenses of $2.0M exceeded revenue, resulting in a 12% operating deficit.

Mission

PAYMENT OF HEALTH AND INSURANCE BENEFITS FOR ESCH GROUP MANAGEMENT INC (INCLUDING ANY PARTICIPATING EMPLOYERS THAT ARE MEMBERS OF THE CONTROLLED GROUP) EMPLOYEES AND THEIR DEPENDENTS

Program Service Accomplishments

Program 1

Expenses: $1,793,997 Revenue: $1,795,690

PAYMENT OF HEALTH AND INSURANCE BENEFITS FOR ESCH GROUP MANAGEMENT INC (INCLUDING ANY PARTICIPATING EMPLOYERS THAT ARE MEMBERS OF THE CONTROLLED GROUP) EMPLOYEES AND THEIR DEPENDENTS AS PERMITTED...

PAYMENT OF HEALTH AND INSURANCE BENEFITS FOR ESCH GROUP MANAGEMENT INC (INCLUDING ANY PARTICIPATING EMPLOYERS THAT ARE MEMBERS OF THE CONTROLLED GROUP) EMPLOYEES AND THEIR DEPENDENTS AS PERMITTED UNDER IRC 501(C)(9)

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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 $1,795,690

Investment Income $0

Other Revenue $0

TOTAL REVENUE $1,795,690

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $1,793,997

Other Expenses $220,747

TOTAL EXPENSES $2,014,744

Year-over-Year Comparison

	2023	2022	Change
Revenue	$1,795,690	$2,070,309	-0.1%
Expenses	$2,014,744	$1,932,188	+0.0%
Net Income	$-219,054	$138,121	-2.6%

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	No data	No data	No data	No data
2023	$1,795,690	$2,014,744	$98,060	$-219,054
2022	$2,070,309	$1,932,188	$296,126	$138,121
2021	$1,590,344	$1,849,885	$147,002	$-259,541
2020	$1,508,780	$1,467,722	$390,306	$41,058

ESCH GROUP VOLUNTARY EMPLOYEE BENEFICIARY ASSOCIATION TR