THE ASSOCIATED EMPLOYERS HEALTH & … - Form 990 Financial Data

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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

1954

Legal Domicile

Principal Officer

DEBORAH BRADY

Phone

5093266885

Tax Period

2023-01-01 to 2023-12-31

THE ASSOCIATED EMPLOYERS HEALTH & WELFARE TRUST, founded in 1954, is a micro nonprofit that reported $3K in total revenue in fiscal year 2023. Revenue surged 894% from the prior year, signaling strong growth momentum. Expenses of $54K exceeded revenue, resulting in a 1509% operating deficit.

Mission

TO PROVIDE HEALTH AND WELFARE BENEFITS TO PARTICIPATING EMPLOYERS IN INDUSTRY TRUSTS.

Program Service Accomplishments

Program 1

TO OWN THE GROUP VISION, LIFE, DISABILITY, AND DENTAL INSURANCE CONTRACTS, WHICH PROVIDE BENEFITS TO PARTICIPANTS IN THE SPONSORED INDUSTRY TRUSTS.

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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 (2023)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $0

Investment Income $3,331

Other Revenue $0

TOTAL REVENUE $3,331

Expense Breakdown

Grants Paid $0

Salaries & Benefits $6,090

Fundraising Expenses $0

Other Expenses $47,513

TOTAL EXPENSES $53,603

Year-over-Year Comparison

	2023	2022	Change
Revenue	$3,331	$335	+8.9%
Expenses	$53,603	$67,319	-0.2%
Net Income	$-50,272	$-66,984	-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

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

$275,677

Total Directors

$6,090

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
DEBORAH BRADY	TRUSTEE	1.00	Director	$2,030	$0	$2,030
ROBIN HILLEARY	TRUSTEE	1.00	Director	$2,030	$0	$2,030
GAYLE LAWRENCE	TRUSTEE	1.00	Director	$2,030	$0	$2,030
JAMES DEWALT	ADMINISTRATOR	1.00	Officer	$0	$0	$275,677

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	No data	No data	No data	No data
2023	$3,331	$53,603	$2,065,027	$-50,272
2022	$335	$67,319	$1,495,422	$-66,984
2021	$420	$55,734	$1,593,289	$-55,314
2020	$1,095	$58,510	$1,565,793	$-57,415
2019	$4,184	$19,972	$1,719,067	$-15,788
2018	$48,158	$182,327	$714,683	$-134,169

THE ASSOCIATED EMPLOYERS HEALTH & WELFARE TRUST