GOLD COAST JOINT BENEFITS TRUST (EIN 954286060) - 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

1990

Legal Domicile

Principal Officer

DAVID CASTELLANO

Phone

8004226090

Tax Period

2024-07-01 to 2024-12-31

GOLD COAST JOINT BENEFITS TRUST, founded in 1990, is a micro nonprofit that reported $32K in total revenue in fiscal year 2024. Expenses of $7.3M exceeded revenue, resulting in a 22522% operating deficit.

Mission

PROVIDING MEDICAL, DENTAL AND WELFARE benefits to eligible PARTICIPANTS ON A GROUP BASIS.

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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 $0

Investment Income $-110,884

Other Revenue $143,345

TOTAL REVENUE $32,461

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Other Expenses $7,094,991

TOTAL EXPENSES $7,343,195

Year-over-Year Comparison

	2024	2023	Change
Revenue	$32,461	$-362,606	-1.1%
Expenses	$7,343,195	$3,051,401	+1.4%
Net Income	$-7,310,734	$-3,414,007	+1.1%

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

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
ERIC REYNOLDS	EMPLOYER DIRECTOR	1.0	Director	$0	$0	$0
GINA GARCIA	EMPLOYEE DIRECTOR	1.0	Director	$0	$0	$0
STEVE BOYD	EMPLOYEE DIRECTOR	1.0	Director	$0	$0	$0
NORMA MAGANA	EMPLOYER DIRECTOR	1.0	Director	$0	$0	$0
DAVID CASTELLANO	EMPLOYER DIRECTOR	1.0	Director	$0	$0	$0
VALERIE MITCHELL	EMPLOYER DIRECTOR	1.0	Director	$0	$0	$0
AHSAN MIRZA	EMPLOYER DIRECTOR	1.0	Director	$0	$0	$0
PATRICIA MARSHALL	EMPLOYER DIRECTOR	1.0	Director	$0	$0	$0
JOANNA PELINO	EMPLOYEE DIRECTOR	1.0	Director	$0	$0	$0
KATHRYN RILEY	EMPLOYEE DIRECTOR	1.0	Director	$0	$0	$0
NATALIA TORRES	EMPLOYEE DIRECTOR	1.0	Director	$0	$0	$0
KENDAL GRIFFIN	EMPLOYEE DIRECTOR	1.0	Director	$0	$0	$0
Gina Wolowicz	Employer Director	1.0	Director	$0	$0	$0
Carol Peek	Employer Director	1.0	Director	$0	$0	$0
Dan Nelson	Employer Director	1.0	Director	$0	$0	$0
Gina Gaines-Olmande	Employer Director	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
2024	$32,461	$7,343,195	No data	$-7,310,734
2024	No data	No data	No data	No data
2023	$40,663,522	$46,276,326	$14,622,320	$-5,612,804
2022	$48,393,811	$47,974,784	$17,942,603	$419,027
2021	$60,904,849	$56,529,734	$21,014,617	$4,375,115
2020	$56,171,713	$58,952,727	$16,329,092	$-2,781,014
2019	$57,508,876	$58,269,303	$19,286,196	$-760,427
2018	$55,875,494	$55,943,676	$19,780,385	$-68,182

GOLD COAST JOINT BENEFITS TRUST