COMMUNICATIONS TEST DESIGN INC RETIREE MEDICAL INSURANCE PLAN (EIN 900334854) - 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

Phone

6107938103

Tax Period

2024-01-01 to 2024-12-31

COMMUNICATIONS TEST DESIGN INC RETIREE MEDICAL INSURANCE PLAN, founded in 2004, is a small nonprofit in the Mutual Benefit sector that reported $609K in total revenue in fiscal year 2024. Revenue surged 140% from the prior year, signaling strong growth momentum. The organization ran a surplus of $398K, a strong 65% operating margin.

Mission

RETIREE MEDICAL 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 $0

Investment Income $545,316

Other Revenue $63,465

TOTAL REVENUE $608,781

Expense Breakdown

Grants Paid $0

Salaries & Benefits $52,343

Fundraising Expenses $0

Other Expenses $3,225

TOTAL EXPENSES $210,516

Year-over-Year Comparison

	2024	2023	Change
Revenue	$608,781	$253,841	+1.4%
Expenses	$210,516	$143,672	+0.5%
Net Income	$398,265	$110,169	+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

N/A

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	1.00		$52,343	$0	$52,343

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	$608,781	$210,516	$13,440,632	$398,265
2023	$253,841	$143,672	$12,076,323	$110,169
2022	$74,500	$251,866	$10,652,656	$-177,366
2021	$901,664	$148,670	$12,720,328	$752,994
2021	$901,664	$148,670	$12,720,328	$752,994
2020	$589,513	$124,727	$10,844,771	$464,786
2020	$589,513	$124,727	$10,844,771	$464,786
2019	$794,299	$142,317	$9,383,523	$651,982
2018	$376,228	$69,086	$7,522,844	$307,142

COMMUNICATIONS TEST DESIGN INC RETIREE MEDICAL INSURANCE PLAN