UNITED WORKERS HEALTH FUND (EIN 841655234) - 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

2004

Legal Domicile

Principal Officer

STEPHEN SOMBROTTO

Phone

5168073716

Tax Period

2022-01-01 to 2022-12-31

UNITED WORKERS HEALTH FUND, founded in 2004, is a community nonprofit in the Mutual Benefit sector that reported $5.1M in total revenue in fiscal year 2022. Revenue fell 23% from the prior year — a significant decline worth monitoring. The organization ran a surplus of $1.3M, a strong 26% operating margin.

Mission

TO PROVIDE HEALTH BENEFITS TO ELIGIBLE PARTICIPANTS

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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 (2022)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $6,014,027

Investment Income $233,187

Other Revenue $-1,153,801

TOTAL REVENUE $5,093,413

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $4,792,887

Other Expenses $896,685

TOTAL EXPENSES $3,764,887

Year-over-Year Comparison

	2022	2021	Change
Revenue	$5,093,413	$6,580,093	-0.2%
Expenses	$3,764,887	$5,894,454	-0.4%
Net Income	$1,328,526	$685,639	+0.9%

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

$21,600

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
STEPHEN SOMBROTTO	TRUSTEE	5.00	Director	$0	$0	$0
ANDREW FAIR	TRUSTEE	0.50	Director	$21,600	$0	$21,600

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	No data	No data	No data	No data
2022	$5,093,413	$3,764,887	$13,016,786	$1,328,526
2021	$6,580,093	$5,894,454	$12,626,059	$685,639
2020	$6,024,795	$4,504,467	$10,461,579	$1,520,328
2019	$5,963,119	$4,431,702	$9,108,938	$1,531,417
2018	$4,624,281	$3,616,604	$6,990,905	$1,007,677

UNITED WORKERS HEALTH FUND