STANDARD INSURANCE COMPANY CONTINUING HEALTH & WELFARE BENEFITS TRUST (EIN 931097066) - 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

1992

Legal Domicile

Principal Officer

SUSAN BRUECHNER

Phone

9713217452

Tax Period

2023-01-01 to 2023-12-31

STANDARD INSURANCE COMPANY CONTINUING HEALTH & WELFARE BENEFITS TRUST, founded in 1992, is a small nonprofit that reported $860K in total revenue in fiscal year 2023. Revenue decreased 5% compared to the prior year. Expenses of $1.0M exceeded revenue, resulting in a 17% operating deficit.

Mission

THE PURPOSE OF THE TRUST IS TO COLLECT, HOLD, AND DISBURSE FUNDS TO PROVIDE LIFE, HEALTH, AND SIMILAR BENEFITS TO THE RETIRED EMPLOYEES OF STANCORP FINANCIAL GROUP.

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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 $141,550

Investment Income $718,173

Other Revenue $0

TOTAL REVENUE $859,723

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $1,004,058

Other Expenses $270,515

TOTAL EXPENSES $1,004,058

Year-over-Year Comparison

	2023	2022	Change
Revenue	$859,723	$905,978	-0.1%
Expenses	$1,004,058	$998,132	+0.0%
Net Income	$-144,335	$-92,154	+0.6%

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

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

$6,033,347

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
DANIEL J MCMILLAN	TRUSTEE	000.10	Director	$0	$0	$4,055,931
SALLY A MANAFI	TRUSTEE	000.10	Director	$0	$0	$1,215,674
SUSAN BRUECHNER	TRUSTEE	000.10	Director	$0	$0	$761,742

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	$859,723	$1,004,058	$17,415,779	$-144,335
2022	$905,978	$998,132	$17,091,463	$-92,154
2021	$1,089,120	$1,350,359	$19,357,354	$-261,239
2020	$1,972,530	$3,014,871	$19,915,543	$-1,042,341

STANDARD INSURANCE COMPANY CONTINUING HEALTH & WELFARE BENEFITS TRUST