Colorado Laborers Health and Welfare Fund (EIN 846049226) - 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

1966

Legal Domicile

Principal Officer

Anthony Trujillo

Phone

7205754211

Tax Period

2024-05-01 to 2025-04-30

Colorado Laborers Health and Welfare Fund, founded in 1966, is a mid-sized nonprofit that reported $16.7M in total revenue in fiscal year 2024. Revenue grew 9% year-over-year, indicating healthy expansion. Expenses of $19.1M exceeded revenue, resulting in a 15% operating deficit.

Mission

Provide health and welfare benefits.

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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 $14,716,473

Investment Income $1,861,314

Other Revenue $79,837

TOTAL REVENUE $16,657,624

Expense Breakdown

Grants Paid $0

Salaries & Benefits $176,874

Fundraising Expenses $0

Other Expenses $2,524,082

TOTAL EXPENSES $19,080,590

Year-over-Year Comparison

	2024	2023	Change
Revenue	$16,657,624	$15,252,601	+0.1%
Expenses	$19,080,590	$17,641,210	+0.1%
Net Income	$-2,422,966	$-2,388,609	+0.0%

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

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
Alan Brooker	Employer Trustee-Secretary	1.00	Director	$0	$0	$0
Chris Pedersen	Employer Trustee	1.00	Director	$0	$0	$0
Keith Swerdfeger	Employer Trustee	1.00	Director	$0	$0	$0
Linda Padilla	Employee Trustee	1.00	Director	$0	$0	$0
Ralph Brandhorst	Employee Trustee	1.00	Director	$0	$0	$0
Anthony Trujillo	Employee Trustee-Chairman	1.00	Director	$0	$0	$0
Mario Espinoza	Employee Trustee	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
2025	$16,657,624	$19,080,590	$54,113,612	$-2,422,966
2024	$15,252,601	$17,641,210	$54,180,433	$-2,388,609
2023	$16,929,690	$16,122,138	$53,727,901	$807,552
2022	$17,945,375	$17,544,087	$54,174,853	$401,288
2021	$20,438,143	$19,491,445	$61,506,460	$946,698
2020	$17,996,440	$17,667,011	$52,019,885	$329,429
2019	$16,726,091	$15,655,994	$51,482,556	$1,070,097
2018	$17,378,441	$14,740,837	$49,471,532	$2,637,604

Colorado Laborers Health and Welfare Fund