OSBORNE CONSTRUCTION COMPANY EMPLOYEE BENEFIT TRUST FOR HOURLY EMPLOYEES (EIN 912039031) - 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

2000

Legal Domicile

Principal Officer

RYAN MAUL

Phone

4258274221

Tax Period

2024-01-01 to 2024-12-31

OSBORNE CONSTRUCTION COMPANY EMPLOYEE BENEFIT TRUST FOR HOURLY EMPLOYEES, founded in 2000, is a small nonprofit that reported $143K in total revenue in fiscal year 2024. Revenue fell 94% from the prior year — a significant decline worth monitoring. Expenses of $802K exceeded revenue, resulting in a 459% operating deficit.

Mission

THE EMPLOYEE BENEFIT TRUST PROVIDES HEALTH, DENTAL, VISION, LIFE INSURANCE, STOP LOSS, LONG-TERM DISABILITY AND PPO COVERAGE BENEFITS ON BEHALF OF HOURLY EMPLOYEES.

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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 $143,352

Investment Income $0

Other Revenue $0

TOTAL REVENUE $143,352

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Other Expenses $1,819

TOTAL EXPENSES $801,720

Year-over-Year Comparison

	2024	2023	Change
Revenue	$143,352	$2,354,131	-0.9%
Expenses	$801,720	$2,361,334	-0.7%
Net Income	$-658,368	$-7,203	+90.4%

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

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
MATT OSBORNE	TRUSTEE	1.00	Director	$0	$0	$0
RICK DICKSON	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
2024	$143,352	$801,720	No data	$-658,368
2023	$2,354,131	$2,361,334	$658,368	$-7,203
2022	$473,375	$587,104	$665,571	$-113,729
2021	$158,345	$81,167	$779,300	$77,178
2020	$149,650	$133,709	$702,122	$15,941
2019	$245,209	$191,155	$686,181	$54,054
2018	$294,529	$109,939	$632,127	$184,590

OSBORNE CONSTRUCTION COMPANY EMPLOYEE BENEFIT TRUST FOR HOURLY EMPLOYEES