WASHINGTON BAKERS RETIREE WELFARE TRUST (EIN 911514696) - 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

1991

Legal Domicile

Principal Officer

CHERYL STONE

Phone

2062824100

Tax Period

2024-07-01 to 2025-06-30

WASHINGTON BAKERS RETIREE WELFARE TRUST, founded in 1991, is a small nonprofit that reported $847K in total revenue in fiscal year 2024. Revenue grew 17% year-over-year, indicating healthy expansion. The organization ran a surplus of $401K, a strong 47% operating margin.

Mission

TO PROVIDE DENTAL AND PRESCRIPTION DRUG BENEFITS TO QUALIFIED PARTICIPANTS AS SPECIFIED IN THE PLAN.

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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 $655,140

Investment Income $191,626

Other Revenue $0

TOTAL REVENUE $846,766

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Other Expenses $138,595

TOTAL EXPENSES $445,380

Year-over-Year Comparison

	2024	2023	Change
Revenue	$846,766	$720,898	+0.2%
Expenses	$445,380	$395,773	+0.1%
Net Income	$401,386	$325,125	+0.2%

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

N/A

Volunteers

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
CHERYL STONE	CHAIRMAN, UNION TRUSTEE	1.00	Officer Director	$0	$0	$0
BIJAN JALILI	SECRETARY, EMPLOYER TRUSTEE	1.00	Officer Director	$0	$0	$0
JERRY D'AMBROSIO	EMPLOYER TRUSTEE	1.00	Director	$0	$0	$0
STEVEN PETERS	UNION 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	$846,766	$445,380	$4,851,978	$401,386
2024	No data	No data	No data	No data
2023	$651,112	$420,584	$3,976,006	$230,528
2022	$625,325	$437,959	$3,710,108	$187,366
2021	$649,816	$492,092	$3,643,304	$157,724
2020	$646,271	$390,658	$3,528,447	$255,613
2019	$650,487	$420,967	$3,205,138	$229,520
2018	$645,155	$465,476	$2,953,185	$179,679

WASHINGTON BAKERS RETIREE WELFARE TRUST