CALIFORNIA HEALTH INSURANCE TRUST FOR ACEC-CA (EIN 946334110) - 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

1969

Legal Domicile

Principal Officer

ERNEST AVILA

Phone

9164417991

Tax Period

2024-01-01 to 2024-12-31

CALIFORNIA HEALTH INSURANCE TRUST FOR ACEC-CA, founded in 1969, is a micro nonprofit that reported $37K in total revenue in fiscal year 2024. Revenue surged 68% from the prior year, signaling strong growth momentum. Expenses of $633K exceeded revenue, resulting in a 1617% operating deficit.

Mission

PROVIDE VISION, DENTAL, DISABILITY, AND LIFE BENEFITS.

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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 $25,000

Investment Income $11,903

Other Revenue $0

TOTAL REVENUE $36,903

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Other Expenses $110,597

TOTAL EXPENSES $633,462

Year-over-Year Comparison

	2024	2023	Change
Revenue	$36,903	$22,022	+0.7%
Expenses	$633,462	$586,631	+0.1%
Net Income	$-596,559	$-564,609	+0.1%

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

$157,581

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
ERNEST AVILA	CHAIRMAN	1.00	Officer Director	$0	$0	$0
JASON PAUL	SECRETARY	1.00	Officer Director	$0	$0	$0
CHAD COLEMAN	VICE PRESIDENT	1.00	Officer Director	$0	$0	$0
JAN CLARK	TRUSTEE	1.00	Director	$0	$0	$0
STEPHANIE REED	EXEC SECTY	5.00	Officer	$0	$60,681	$157,581

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	$36,903	$633,462	$462,351	$-596,559
2023	$22,022	$586,631	$1,011,912	$-564,609
2022	$575,654	$625,530	$1,493,271	$-49,876
2021	$746,394	$707,526	$1,761,635	$38,868
2020	$766,877	$765,064	$1,529,054	$1,813
2019	$861,658	$822,486	$1,414,239	$39,172
2018	$908,164	$868,636	$1,223,112	$39,528

CALIFORNIA HEALTH INSURANCE TRUST FOR ACEC-CA