MID-AMERICA CARPENTERS REGIONAL BENEFITS (EIN 873501792) - 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

2021

Legal Domicile

Principal Officer

KRISTINA GUSTAFERRI

Phone

3142695517

Tax Period

2025-01-01 to 2025-12-31

MID-AMERICA CARPENTERS REGIONAL BENEFITS, founded in 2021, is a mid-sized nonprofit in the Employment sector that reported $10.1M in total revenue in fiscal year 2025. Revenue surged 38% from the prior year, signaling strong growth momentum. Expenses of $9.5M left a modest 6% surplus.

Mission

TO PROVIDE ADMINISTRATIVE SERVICES TO TAX-EXEMPT EMPLOYEE BENEFIT PLANS IN THE ORGANIZED CARPENTRY INDUSTRY AND OTHER ORGANIZED INDUSTRIES, WHICH PLANS EXIST FOR THE SOCIAL WELFARE AND HEALTH OF THEIR PARTICIPANTS AND BENEFICIARIES.

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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 (2025)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $10,111,361

Investment Income $0

Other Revenue $0

TOTAL REVENUE $10,111,361

Expense Breakdown

Grants Paid $0

Salaries & Benefits $7,121,484

Fundraising Expenses $0

Program Expenses $9,476,955

Other Expenses $2,355,471

TOTAL EXPENSES $9,476,955

Year-over-Year Comparison

	2025	2024	Change
Revenue	$10,111,361	$7,344,271	+0.4%
Expenses	$9,476,955	$7,326,109	+0.3%
Net Income	$634,406	$18,162	+33.9%

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

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
GARY PERINAR	PRESIDENT	1.00	Officer Director	$0	$0	$0
GREGORY HESSER	VICE PRESIDENT	1.00	Officer Director	$0	$0	$0
ROCKY KLOTH	BOARD MEMBER	1.00	Officer Director	$0	$0	$0
STEPHEN PINKLEY	ASSISTANT TREASURER	1.00	Officer Director	$0	$0	$0
KEVIN DEPTULA	BOARD MEMBER	1.00	Officer Director	$0	$0	$0
KRISTINA GUASTAFERRI	EXECUTIVE DIRECTOR	1.00	Officer Director	$0	$0	$0
MARK GAU	DIRECTOR	1.00	Officer Director	$0	$0	$0
BRIAN MCGEE	EXITING BOARD MEMBER	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	$10,111,361	$9,476,955	$1,422,899	$634,406
2024	$7,344,271	$7,326,109	$589,593	$18,162
2023	$6,120,090	$6,119,667	$457,979	$423
2022	$6,662,896	$6,646,625	$452,609	$16,271

MID-AMERICA CARPENTERS REGIONAL BENEFITS