PRINTING SPECIALTIES AND PAPER PRODUCTS JOINT EMPLOYER AND UNION H&W FUND (EIN 956035137) - 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

1952

Legal Domicile

Principal Officer

GAYLE SPARAPANI

Phone

2063294900

Tax Period

2023-02-01 to 2024-01-31

PRINTING SPECIALTIES AND PAPER PRODUCTS JOINT EMPLOYER AND UNION H&W FUND, founded in 1952, is a mid-sized nonprofit that reported $60.1M in total revenue in fiscal year 2023. Expenses of $57.4M left a modest 4% surplus.

Mission

PROVIDE HEALTH AND WELFARE BENEFITS TO ELIGIBLE EMPLOYEES AND THEIR DEPENDENTS IN A MULTIEMPLOYER PLAN

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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 $0

Program Service Revenue $57,851,417

Investment Income $2,227,535

Other Revenue $0

TOTAL REVENUE $60,078,952

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Other Expenses $2,028,803

TOTAL EXPENSES $57,449,039

Year-over-Year Comparison

	2023	2022	Change
Revenue	$60,078,952	$59,383,933	+0.0%
Expenses	$57,449,039	$57,480,246	0.0%
Net Income	$2,629,913	$1,903,687	+0.4%

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

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
DAN CABADA	Trustee & SECRETARY	1.0	Officer Director	$0	$0	$0
Gayle Sparapani	Trustee & Chair	1.0	Officer Director	$0	$0	$0
Thomas Sarnecki	Trustee	1.0	Director	$0	$0	$0
CLARK RITCHEY	Trustee	1.0	Director	$0	$0	$0
Amanda Jordan	Trustee	1.0	Director	$0	$0	$0
MIKE MADDOCK	TRUSTEE	1.0	Director	$0	$0	$0
MELISSA HARTFIEL	TRustee	1.0	Director	$0	$0	$0
See Schedule O for compensation	Paid By related organizations	0.0	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	No data	No data	No data	No data
2024	$60,078,952	$57,449,039	$112,835,264	$2,629,913
2023	$59,383,933	$57,480,246	$109,236,019	$1,903,687
2022	$59,763,594	$60,349,831	$121,971,664	$-586,237
2021	$64,661,090	$56,243,810	$116,310,833	$8,417,280
2020	$65,414,558	$56,962,000	$105,708,865	$8,452,558
2019	$65,037,106	$60,165,706	$93,751,822	$4,871,400

PRINTING SPECIALTIES AND PAPER PRODUCTS JOINT EMPLOYER AND UNION H&W FUND