UAW RETIREE MEDICAL BENEFITS TRUST (EIN 900424876) - 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

2008

Legal Domicile

Principal Officer

GARON MEIKLE

Phone

3133245900

Tax Period

2024-01-01 to 2024-12-31

UAW RETIREE MEDICAL BENEFITS TRUST, founded in 2008, is a large national nonprofit in the Mutual Benefit sector that reported $3.5B in total revenue in fiscal year 2024. Revenue surged 35% from the prior year, signaling strong growth momentum. Expenses of $3.3B left a modest 6% surplus.

Mission

ADMINISTER FUNDS FOR POST-RETIREMENT MEDICAL BENEFITS. THE PRIMARY MISSION OF THE RMBT IS TO PROVIDE EVERY MEMBER WITH HEALTH BENEFITS AND ACHIEVE HIS/HER BEST QUALITY OF LIFE.

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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 $450,501,922

Investment Income $1,983,072,553

Other Revenue $1,063,774,843

TOTAL REVENUE $3,497,349,318

Expense Breakdown

Grants Paid $0

Salaries & Benefits $28,441,438

Fundraising Expenses $0

Program Expenses $0

Other Expenses $536,675,381

TOTAL EXPENSES $3,295,258,214

Year-over-Year Comparison

	2024	2023	Change
Revenue	$3,497,349,318	$2,584,345,827	+0.4%
Expenses	$3,295,258,214	$2,947,780,585	+0.1%
Net Income	$202,091,104	$-363,434,758	-1.6%

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

Independent Members

Employees

124

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

$3,119,904

Total Directors

$423,963

Key Employees

$1,183,084

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
HERSHEL HARPER	CHIEF INVESTMENT OFFICER	60.0	Officer	$1,703,436	$59,447	$1,762,883
KENNETH STEMME	SR MANAGING DIR INCOME STRATEG	60.0	Highest	$762,379	$44,290	$806,669
ROBERT MACARTHUR	CHIEF RISK OFFICER	60.0	Key Emp	$730,316	$51,947	$782,263
GARON MEIKLE	CHIEF FINANCIAL OFFICER	60.0	Officer	$677,509	$43,118	$720,627
GINA BUCCALO	CHIEF MEDICAL OFFICER	60.0	Highest	$627,302	$53,624	$680,926
BRIAN BAUMHOVER	DIRECTOR-REAL ASSETS	60.0	Highest	$525,059	$58,947	$584,006
JOE STACKPOOLE	CHIEF INVESTMENT ADMIN OFFICER	60.0	Highest	$545,871	$30,500	$576,371
CAMERON HAMILTON-WRIGHT	SR MANAGING DIR PORTFOLIO STRA	60.0	Highest	$519,268	$51,947	$571,215
JESSICA GUBING	CEO AS OF 6/4/24	60.0	Officer	$483,264	$23,000	$506,264
MARTIN TYLENDA	CONTROLLER	60.0	Key Emp	$341,374	$59,447	$400,821
PHILIP CASTROGIOVANNI	CLO AS OF 9/23/24	60.0	Officer	$121,906	$8,224	$130,130
ROBERT NAFTALY	COMMIT MBR,CHAIR UNTIL 11/3/24	3.0	Director	$84,045	$0	$84,045
AMY ROBINSON	COMMITTEE MEMBER	2.0	Director	$70,716	$0	$70,716
GERALD BANTOM	COMMITTEE MEMBER	2.0	Director	$67,832	$0	$67,832
CELESTE T WILLIAMS MD	COMMITTEE MEMBER	2.0	Director	$67,832	$0	$67,832
R EVAN INGLIS	COMMITTEE MEMBER	2.0	Director	$65,042	$0	$65,042
DENISE LEWIS	COMMIT MBR,CHAIR AS OF 12/5/24	2.0	Director	$64,949	$0	$64,949
MARK ANSON	COMMITTEE MEMBER	2.0	Director	$3,547	$0	$3,547
CHARLES BROWNING	COMMITTEE MEMBER	2.0	Director	$0	$0	$0
SHAWN FAIN	COMMITTEE MEMBER	2.0	Director	$0	$0	$0
MIKE BOOTH	COMMITTEE MEMBER	2.0	Director	$0	$0	$0
RICH BOYER	COMMITTEE MEMBER	2.0	Director	$0	$0	$0
STATE STREET BANK TRUST	INSTITUTIONAL TRUSTEE	2.0		$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
2024	$3,497,349,318	$3,295,258,214	$62,856,283,467	$202,091,104
2023	$2,584,345,827	$2,947,780,585	$64,033,874,200	$-363,434,758
2022	$2,003,354,514	$3,970,593,216	$62,366,524,500	$-1,967,238,702
2021	$7,623,360,760	$3,893,460,826	$72,208,550,274	$3,729,899,934
2020	$4,054,729,775	$3,841,952,815	$68,954,754,739	$212,776,960
2019	$6,451,038,370	$3,788,885,826	$64,025,740,006	$2,662,152,544
2018	$5,050,881,621	$3,874,558,499	$60,352,981,832	$1,176,323,122
2017	$4,291,662,697	$4,202,813,263	$63,225,855,634	$88,849,434

UAW RETIREE MEDICAL BENEFITS TRUST