JUNIOR ACHIEVEMENT USA HEALTH & WELFARE BENEFIT PLAN TRUST (EIN 841223492) - 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

1990

Legal Domicile

Phone

7195408000

Tax Period

2024-05-01 to 2025-04-30

JUNIOR ACHIEVEMENT USA HEALTH & WELFARE BENEFIT PLAN TRUST, founded in 1990, is a mid-sized nonprofit that reported $12.7M in total revenue in fiscal year 2024. Revenue grew 11% year-over-year, indicating healthy expansion. Expenses of $11.1M left a modest 13% surplus.

Mission

PROVIDE WELFARE BENEFITS TO ELIGIBLE EMPLOYEES.

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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 $12,027,689

Investment Income $707,676

Other Revenue $0

TOTAL REVENUE $12,735,365

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $0

Other Expenses $702,860

TOTAL EXPENSES $11,102,472

Year-over-Year Comparison

	2024	2023	Change
Revenue	$12,735,365	$11,489,245	+0.1%
Expenses	$11,102,472	$10,240,692	+0.1%
Net Income	$1,632,893	$1,248,553	+0.3%

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

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

$1,900,064

Total Directors

$2,241,105

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
EDWARD PRIEM II	TRUSTEE AND CFO	1.0	Officer Director	$0	$19,326	$373,468
JACK KOSAKOWSKI	TRUSTEE AND PRESIDENT/CEO (END 6/30/2024)	1.0	Officer Director	$0	$26,429	$698,638
JOE BURKE	CHAIRMAN	1.0	Officer Director	$0	$0	$0
MARK FIORE	S.V.P. - COMP. & BENEFITS	20.0	Officer Director	$0	$41,124	$289,440
TIM GREINERT	PRESIDENT	1.0	Officer Director	$0	$41,416	$538,518
LORETTA RODRIGUEZ TRUSTEE	CHIEF HUMAN RESOURCES AND DIVERSITY OFFICER	5.0	Director	$0	$27,003	$341,041

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	$12,735,365	$11,102,472	$9,147,789	$1,632,893
2024	$11,489,245	$10,240,692	$7,337,928	$1,248,553
2023	$9,771,898	$10,093,325	$6,343,467	$-321,427
2022	$8,557,870	$9,942,777	$6,896,881	$-1,384,907
2021	$8,413,603	$7,904,482	$8,536,592	$509,121
2020	$9,680,077	$9,872,236	$7,064,362	$-192,159
2019	$8,740,992	$8,856,449	$7,090,532	$-115,457
2018	$7,418,643	$8,083,094	$7,440,336	$-664,451

JUNIOR ACHIEVEMENT USA HEALTH & WELFARE BENEFIT PLAN TRUST