UNITED FOOD AND COMMERCIAL WORKERS… - 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

1964

Legal Domicile

Principal Officer

BRENT BOHN

Phone

7142202297

Tax Period

2024-04-01 to 2025-03-31

UNITED FOOD AND COMMERCIAL WORKERS UNIONS AND FOOD EMPLOYERS BENEFIT FUND, founded in 1964, is a major nonprofit that reported $627.1M in total revenue in fiscal year 2024.

Mission

TO PROVIDE INSURANCE COVERAGE TO PARTICIPANTS AND FAMILY MEMBERS FROM CONTRIBUTIONS PAID BY EMPLOYERS IN ACCORDANCE WITH PLAN PROVISIONS.

Program Service Accomplishments

Program 1

TO PROVIDE INSURANCE COVERAGE TO PARTICIPANTS AND FAMILY MEMBERS FROM CONTRIBUTIONS PAID BY EMPLOYERS IN ACCORDANCE WITH PLAN PROVISIONS.

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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 $615,973,025

Investment Income $9,144,913

Other Revenue $2,024,853

TOTAL REVENUE $627,142,791

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Other Expenses $31,597,784

TOTAL EXPENSES $663,915,530

Year-over-Year Comparison

	2024	2023	Change
Revenue	$627,142,791	$640,898,689	0.0%
Expenses	$663,915,530	$626,562,940	+0.1%
Net Income	$-36,772,739	$14,335,749	-3.6%

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

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

$646,373

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
Robert Carruth	CHIEF EXECUTIVE OFFICER	20.0	Key Emp	$0	$15,895	$387,489
JEFFREY W RANDALL	CHIEF INFORMATION OFFICER	20.0	Highest	$0	$15,804	$275,442
SANDRA CANTU	CHIEF OPERATIONS OFFICER	20.0	Key Emp	$0	$15,861	$258,884
WILLIAM P SMITH	CONTROLLER	20.0	Highest	$0	$18,079	$214,845
GEORGE GAMIL	IT DIRECTOR	20.0	Highest	$0	$16,874	$201,128
MARK STONE	DEVELOPMENT & SUPPORT MGR.	20.0	Highest	$0	$16,660	$200,961
JAMES HARTMANN	DIRECTOR IT INFRASTRUCTURE	20.0	Highest	$0	$15,590	$199,488
JOE DUFFLE	TRUSTEE	1.0	Director	$0	$0	$0
SONIA MUNOZ	TRUSTEE	1.0	Director	$0	$0	$0
MARK RAMOS	TRUSTEE	1.0	Director	$0	$0	$0
MICHAEL STRAETER	TRUSTEE	1.0	Director	$0	$0	$0
KATHY FINN	TRUSTEE	1.0	Director	$0	$0	$0
BRENT BOHN	TRUSTEE	1.0	Director	$0	$0	$0
LEROY WESTMORELAND	TRUSTEE - FORMER	1.0	Director	$0	$0	$0
TODD WALTERS	TRUSTEE	1.0	Director	$0	$0	$0
ANDREA ZINDER	TRUSTEE	1.0	Director	$0	$0	$0
IAN ADAMS	TRUSTEE	1.0	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
2025	$627,142,791	$663,915,530	$491,437,068	$-36,772,739
2024	$640,898,689	$626,562,940	$493,092,708	$14,335,749
2023	$628,184,658	$606,134,990	$477,540,179	$22,049,668
2022	$626,269,371	$610,427,236	$452,524,162	$15,842,135
2021	$680,171,732	$566,277,012	$425,801,515	$113,894,720
2020	$592,265,234	$639,965,520	$317,920,352	$-47,700,286
2019	$603,309,760	$584,506,499	$332,576,630	$18,803,261
2018	$581,398,320	$594,981,498	$325,674,998	$-13,583,178

UNITED FOOD AND COMMERCIAL WORKERS UNIONS AND FOOD EMPLOYERS BENEFIT FUND