CAHP HEALTH BENEFITS TRUST (EIN 942778108) - 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

1981

Legal Domicile

Principal Officer

RICHARD FISHER

Phone

9164526751

Tax Period

2023-01-01 to 2023-12-31

CAHP HEALTH BENEFITS TRUST, founded in 1981, is a major nonprofit that reported $197.5M in total revenue in fiscal year 2023.

Mission

PROVIDE A SELF-INSURED HEALTH PLAN TO CAHP MEMBERS AND STAFF.

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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 $190,686,297

Investment Income $5,275,873

Other Revenue $1,543,565

TOTAL REVENUE $197,505,735

Expense Breakdown

Grants Paid $0

Salaries & Benefits $22,200

Fundraising Expenses $0

Other Expenses $14,118,312

TOTAL EXPENSES $192,933,514

Year-over-Year Comparison

	2023	2022	Change
Revenue	$197,505,735	$199,901,945	0.0%
Expenses	$192,933,514	$193,651,779	0.0%
Net Income	$4,572,221	$6,250,166	-0.3%

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

$344,314

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
CARRIE LANE	TRUSTEE	0.10	Director	$1,200	$54,841	$208,676
GORDON KOOLMAN	TRUSTEE	0.10	Director	$3,000	$0	$24,600
RICHARD LABESKE	TRUSTEE	0.10	Director	$3,000	$0	$31,103
AXEL REYES	TRUSTEE	0.10	Director	$3,000	$0	$24,600
RICHARD ROMANSKI	TRUSTEE	0.10	Director	$3,000	$0	$3,000
DAVID TIRAPELLE	TRUSTEE	0.10	Director	$2,400	$0	$2,400
DWIGHT HELMICK	TRUSTEE	0.10	Director	$1,800	$0	$1,800
TERRI WESTBROOK	TRUSTEE	0.10	Director	$3,000	$0	$3,000
JACOB JOHNSON	TRUSTEE	0.10	Director	$1,200	$0	$22,935
OMAR HERNANDEZ	TRUSTEE	0.10	Director	$600	$0	$22,200

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	$197,505,735	$192,933,514	$178,950,631	$4,572,221
2022	$199,901,945	$193,651,779	$171,373,812	$6,250,166
2021	$195,508,787	$177,140,063	$174,128,495	$18,368,724
2020	$187,455,927	$172,200,300	$147,700,178	$15,255,627
2019	$181,877,799	$189,480,714	$130,298,448	$-7,602,915
2018	$171,676,025	$180,891,731	$133,900,966	$-9,215,706

CAHP HEALTH BENEFITS TRUST