GRAPHIC ARTS INDUSTRY AND GCIU LOCAL 404 HEALTH AND WELFARE TRUST FUND (EIN 953442158) - 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

1950

Legal Domicile

Principal Officer

SELENE CALDERON

Phone

5624635000

Tax Period

2020-10-01 to 2021-09-30

GRAPHIC ARTS INDUSTRY AND GCIU LOCAL 404 HEALTH AND WELFARE TRUST FUND, founded in 1950, is a small nonprofit that reported $266K in total revenue in fiscal year 2020. Revenue fell 66% from the prior year — a significant decline worth monitoring. Expenses of $316K exceeded revenue, resulting in a 19% operating deficit.

Mission

TO PROVIDE MEDICAL,DENTAL,LIFE INSURANCE COVERAGE TO ALL ELIGIBLE PARTICIPANTS IN ACCORDANCE WITH THE GOVERNING INSTRUMENTS OF THE FUND AND FEDERAL REGULATIONS (ERISA).

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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 (2020)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $210,867

Investment Income $53,841

Other Revenue $1,545

TOTAL REVENUE $266,253

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Other Expenses $58,920

TOTAL EXPENSES $315,755

Year-over-Year Comparison

	2020	2019	Change
Revenue	$266,253	$788,046	-0.7%
Expenses	$315,755	$937,384	-0.7%
Net Income	$-49,502	$-149,338	-0.7%

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

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

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
ROBERT LINDGREN	MANAGEMENT TRUSTEE	1.0	Director	$0	$0	$0
DOUG BROWN	UNION 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
2021	$266,253	$315,755	$266,775	$-49,502
2020	$788,046	$937,384	$426,841	$-149,338
2019	$1,162,649	$1,167,086	$586,361	$-4,437
2018	$1,348,517	$1,303,365	$578,404	$45,152

GRAPHIC ARTS INDUSTRY AND GCIU LOCAL 404 HEALTH AND WELFARE TRUST FUND