ALL CITY EMPLOYEES BENEFITS SERVICE ASSOCIATION (EIN 953163774) - 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

1977

Legal Domicile

Principal Officer

FRED DOWELL

Phone

2134852485

Tax Period

2023-01-01 to 2023-12-31

ALL CITY EMPLOYEES BENEFITS SERVICE ASSOCIATION, founded in 1977, is a mid-sized nonprofit that reported $24.5M in total revenue in fiscal year 2023.

Mission

TO BE THE BEST PROVIDER OF AN ARRAY OF BENEFITS AND SERVICES THAT HELP TO IMPROVE QUALITY OF LIFE FOR ALL MEMBERS.

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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 $648,663

Program Service Revenue $23,664,888

Investment Income $0

Other Revenue $198,139

TOTAL REVENUE $24,511,690

Expense Breakdown

Grants Paid $0

Salaries & Benefits $756,552

Fundraising Expenses $0

Program Expenses $24,010,200

Other Expenses $658,312

TOTAL EXPENSES $24,261,980

Year-over-Year Comparison

	2023	2022	Change
Revenue	$24,511,690	$25,085,952	0.0%
Expenses	$24,261,980	$24,978,874	0.0%
Net Income	$249,710	$107,078	+1.3%

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

$282,357

Total Directors

$6,000

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
FRED DOWELL	PRESIDENT	5.00	Officer Director	$6,000	$0	$6,000
RENEE GLASCO	SECRETARY	2.00	Officer Director	$0	$0	$0
GARY HARRIS	VICE PRESIDENT	2.00	Officer Director	$0	$0	$0
FRANCOIS VERIN	TREASURER	2.00	Officer Director	$0	$0	$0
ANTONIO RIOS	DIRECTOR	2.00	Director	$0	$0	$0
ROSLYN CARTER-PHILLIPS	CEO	40.00	Officer	$145,149	$0	$145,149
WELLINGTON PHILLIPS	SECOND CEO	40.00	Officer	$131,208	$0	$131,208

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	$24,511,690	$24,261,980	$8,799,535	$249,710
2022	$25,085,952	$24,978,874	$8,697,420	$107,078
2021	$26,619,696	$26,256,029	$8,641,222	$363,667
2020	$28,558,990	$28,104,091	$8,505,255	$454,899
2019	$29,671,731	$29,185,939	$8,047,412	$485,792
2018	$30,688,370	$30,102,755	$7,671,917	$585,615

ALL CITY EMPLOYEES BENEFITS SERVICE ASSOCIATION