GSWC RETIREE MEDICAL TRUST (EIN 957044043) - 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

1995

Legal Domicile

Principal Officer

PRINCIPAL BANK - PCS TAX

Phone

6025620883

Tax Period

2023-01-01 to 2023-12-31

GSWC RETIREE MEDICAL TRUST, founded in 1995, is a small nonprofit in the Mutual Benefit sector that reported $695K in total revenue in fiscal year 2023. Revenue decreased 9% compared to the prior year. Expenses of $624K left a modest 10% surplus.

Mission

PROVIDE HEALTH AND WELFARE BENEFITS FOR RETIRED EMPLOYEES AND THEIR DEPENDENTS

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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 $247,548

Investment Income $447,094

Other Revenue $0

TOTAL REVENUE $694,642

Expense Breakdown

Grants Paid $0

Salaries & Benefits $1,952

Fundraising Expenses $0

Program Expenses $446,156

Other Expenses $175,606

TOTAL EXPENSES $623,714

Year-over-Year Comparison

	2023	2022	Change
Revenue	$694,642	$764,299	-0.1%
Expenses	$623,714	$667,970	-0.1%
Net Income	$70,928	$96,329	-0.3%

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

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
ROBERT J SPROWLS	PLAN ADMINISTRATOR	N/A	Director	$0	$0	$0
EVA G TANG	PLAN ADMINISTRATOR	N/A	Director	$0	$0	$0
DENISE L KRUGER	PLAN ADMINISTRATOR	N/A	Director	$0	$0	$0
GLADYS M FARROW	PLAN ADMINISTRATOR	N/A	Director	$0	$0	$0
BRYAN K SWITZER	PLAN ADMINISTRATOR	N/A	Director	$0	$0	$0
PRINCIPAL BANK - PCS TAX	TRUSTEE	N/A		$1,953	$0	$1,953

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	$694,642	$623,714	$9,086,591	$70,928
2022	$764,299	$667,970	$8,065,035	$96,329
2021	$850,341	$670,049	$10,067,154	$180,292
2021	$812,797	$670,057	$10,067,155	$142,740
2020	$1,252,179	$773,506	$9,074,786	$478,673
2018	$1,577,018	$941,131	$7,612,480	$635,887

GSWC RETIREE MEDICAL TRUST