The 170 Group Insurance Benefits Trust (EIN 953136353) - Form 990 Financial Analysis & Trantor Score

🔒

Financial Vulnerability Assessment (Tuckman-Chang)

4 risk indicators measuring financial stability and operational resilience

Sign in with your work email to view Tuckman-Chang indicators

Financial Trends

Organization Details

Formation Year

1977

Legal Domicile

Principal Officer

Roberto Torres-Muniz

Phone

5624635000

Tax Period

2024-07-01 to 2025-06-30

The 170 Group Insurance Benefits Trust, founded in 1977, is a community nonprofit that reported $9.8M in total revenue in fiscal year 2024. Expenses of $9.4M left a modest 4% surplus.

Mission

To provide benefits to participants covered under the collective bargaining agreement.

🔒

Trantor Score

Financial Health Score (300–850) · Liquidity · Solvency · Sustainability · Efficiency

Sign in to view Trantor Score and financial metrics

Liquidity (40%) • Solvency (30%) • Sustainability (20%) • Efficiency (10%)

Financial Overview (2024)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $9,702,523

Investment Income $117,230

Other Revenue $0

TOTAL REVENUE $9,819,753

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Other Expenses $305,783

TOTAL EXPENSES $9,419,281

Year-over-Year Comparison

	2024	2023	Change
Revenue	$9,819,753	$9,777,998	+0.0%
Expenses	$9,419,281	$8,859,337	+0.1%
Net Income	$400,472	$918,661	-0.6%

Key Indicators

✗ Grants to Organizations ✗ Grants to Individuals ✗ Lobbying ✗ Political Activity ✗ Foreign Activities ✗ Donor Advised Fund ✗ Schedule B Required

🔒

Financial Health Indicators

Comprehensive financial analysis: Altman Z-Score, liquidity, solvency, sustainability, efficiency, and growth metrics

Financial Distress Indicator

Liquidity & Cash Position

Sign in to view all financial metrics

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

$101,016

Total Directors

$308,630

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
Roberto Torres-Muniz	Co-Chair	2.00	Officer Director	$0	$38,448	$101,016
Mark M Cassidy	Co-Chair	2.00	Officer Director	$0	$0	$0
Jose Jimenez	Trustee	1.00	Director	$0	$27,853	$63,146
Mario Vega	Trustee	1.00	Director	$0	$45,025	$144,468
Marvin Melendez	Trustee	1.00	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	$9,819,753	$9,419,281	$5,405,117	$400,472
2024	No data	No data	No data	No data
2023	$8,677,740	$8,323,095	$3,945,858	$354,645
2022	$7,798,831	$7,507,911	$3,483,237	$290,920
2021	$8,135,954	$8,041,613	$3,398,726	$94,341
2020	$8,134,264	$-355,684	$3,382,886	$8,489,948
2019	$7,442,518	$7,540,782	$3,120,823	$-98,264
2018	$7,543,384	$7,931,104	$3,218,626	$-387,720

The 170 Group Insurance Benefits Trust