Prudential Overall Supply Employee Welfare Benefit Plan (EIN 956542231) - 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

1932

Legal Domicile

Principal Officer

Michelle Putnam

Phone

9492504855

Tax Period

2024-10-01 to 2025-09-30

Prudential Overall Supply Employee Welfare Benefit Plan, founded in 1932, is a mid-sized nonprofit that reported $17.3M in total revenue in fiscal year 2024. Revenue surged 33% from the prior year, signaling strong growth momentum.

Mission

employee welfare benefit plan provides health benefis to covered employees

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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 $15,634,077

Investment Income $0

Other Revenue $1,625,375

TOTAL REVENUE $17,259,452

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Other Expenses $2,122,557

TOTAL EXPENSES $17,649,873

Year-over-Year Comparison

	2024	2023	Change
Revenue	$17,259,452	$12,939,184	+0.3%
Expenses	$17,649,873	$12,922,715	+0.4%
Net Income	$-390,421	$16,469	-24.7%

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

N/A

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

$774,990

Total Directors

$244,036

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
Chris Welch	President	1.0	Officer	$0	$0	$316,264
John Clark	Chief Executive Officer	1.0	Officer	$0	$0	$258,726
Dan Clark	Chairman of the Board	1.0	Director	$0	$0	$244,036
Michelle Putman	VP of Finance	0.0	Officer	$0	$0	$200,000
Jana Comer	VP of Finance	0.0		$0	$0	$173,424
John Thompson	Board Member	0.0		$0	$0	$63,258

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	$17,259,452	$17,649,873	$52,480	$-390,421
2024	$12,939,184	$12,922,715	$442,901	$16,469
2023	$12,046,434	$12,155,342	$426,432	$-108,908
2022	$12,237,275	$12,719,980	$535,340	$-482,705
2021	$9,666,397	$10,595,696	$1,018,045	$-929,299

Prudential Overall Supply Employee Welfare Benefit Plan