Montana Rail Link Retiree Health Plan Collectively Bargained Tr
Montana Rail Link Retiree Health Plan maintains strong assets and low expenses with no officer compensation.
EIN: 200504698 · Fort Worth, TX · NTEE: Y42 · Updated: 2026-03-28
Is Montana Rail Link Retiree Health Plan Collectively Bargained Tr Legit?
Some Concerns
Assessment based on IRS 990 filings, spending patterns, and AI analysis. Not a guarantee of legitimacy. Full charity check →
Montana Rail Link Retiree Health Plan Collectively Bargained Tr directs 95% of its spending to programs. This exceeds the industry benchmark of 65%, indicating strong mission focus.
About Montana Rail Link Retiree Health Plan Collectively Bargained Tr
Montana Rail Link Retiree Health Plan Collectively Bargained Tr (EIN: 200504698) is a nonprofit organization based in Fort Worth, TX, classified under NTEE code Y42. The organization reported total revenue of $15.6M and total assets of $60.3M according to its most recent IRS 990 filing. This transparency report provides an AI-powered analysis of Montana Rail Link Retiree Health Plan Collectively Bargained Tr's financial health, spending patterns, executive compensation, and overall mission effectiveness based on publicly available IRS data.
Organization Overview
Montana Rail Link Retiree Health Plan Collectively Bargained Tr is a large nonprofit that has been operating for 22 years, with 13 years of IRS 990 filings on record (2011–2023). Revenue has grown at a compound annual rate of 4.9%.
Key Financial Metrics (2023)
From the most recent IRS 990 filing on record:
| Total Revenue | $4.9M |
| Total Expenses | $1.2M |
| Surplus / Deficit | +$3.7M |
| Total Assets | $57.0M |
| Total Liabilities | $28K |
| Net Assets | $56.9M |
| Operating Margin | 76.2% |
| Debt-to-Asset Ratio | 0.0% |
| Months of Reserves | 585.8 months |
Financial Health Grade: A
In 2023, Montana Rail Link Retiree Health Plan Collectively Bargained Tr reported a surplus of $3.7M with revenue exceeding expenses, holds 585.8 months of operating reserves (strong position), has a debt-to-asset ratio of 0.0% (very low leverage).
Financial Trends
Over 13 years of filings (2011–2023), Montana Rail Link Retiree Health Plan Collectively Bargained Tr's revenue has grown at a compound annual growth rate (CAGR) of 4.9%.
| Year | Revenue Change | Expense Change | Asset Change |
|---|---|---|---|
| 2023 | +65.7% | -6.3% | +17.4% |
| 2022 | -55.0% | -35.1% | -10.0% |
| 2021 | +53.5% | +52.2% | +10.1% |
| 2020 | -0.9% | -5.8% | +17.3% |
| 2019 | -24.1% | -22.3% | +19.9% |
IRS Tax-Exempt Classification
| IRS Classification Codes | 1000 |
| IRS Ruling Date | 2004 |
Classification data from ProPublica Nonprofit Explorer. Additional BMF data may be available after enrichment.
AI Transparency Report
Mission Effectiveness Score
NonprofitSpending's AI analysis rates Montana Rail Link Retiree Health Plan Collectively Bargained Tr with a Mission Score of 90 out of 100 (Excellent). This score reflects the organization's overall financial transparency, program spending efficiency, and governance indicators derived from IRS 990 public filings.
Spending Breakdown
- admin: 5%
- programs: 95%
- fundraising: 0%
According to IRS 990 filings, Montana Rail Link Retiree Health Plan Collectively Bargained Tr allocates its expenses as follows: admin: 5%, programs: 95%, fundraising: 0%. With 95% directed toward programs, this reflects a strong commitment to its charitable mission.
Key Financial Metrics (2023)
From the most recent IRS 990 filing on record:
- The organization reported a surplus of $3.7M, with revenue exceeding expenses.
- Debt-to-asset ratio: 0.0%.
Executive Compensation Analysis
Executive compensation is consistently reported as 0% across all available filings, indicating that no officers receive compensation from the organization. This is highly unusual for an organization of this asset size ($60,308,103) and suggests a volunteer-led or externally managed administrative structure, which contributes to very low overhead.
Executive compensation data is sourced from IRS 990 filings, which require nonprofits to disclose the compensation of officers, directors, trustees, and key employees. NonprofitSpending analyzes this data relative to the organization's total revenue and sector benchmarks to assess whether executive pay is reasonable.
Red Flags
The following concerns were identified during AI analysis of Montana Rail Link Retiree Health Plan Collectively Bargained Tr's IRS 990 filings:
- None identified based on provided financial data.
Strengths
The following positive indicators were identified for Montana Rail Link Retiree Health Plan Collectively Bargained Tr:
- Strong asset base relative to expenses (e.g., $56.9M assets vs. $1.1M expenses in 2023).
- Consistent reporting of 0% officer compensation, indicating high efficiency in administrative costs.
- Stable financial operations with consistent revenue generation over time.
- Low liabilities relative to assets, suggesting strong financial health (e.g., $27,649 liabilities vs. $56.9M assets in 2023).
- Clear and consistent mission as a collectively bargained health plan.
Frequently Asked Questions about Montana Rail Link Retiree Health Plan Collectively Bargained Tr
Is Montana Rail Link Retiree Health Plan Collectively Bargained Tr a legitimate charity?
Based on AI analysis of IRS 990 filings, Montana Rail Link Retiree Health Plan Collectively Bargained Tr (EIN: 200504698) some concerns. Mission Score: 90/100. 1 red flag identified, 5 strengths noted.
How does Montana Rail Link Retiree Health Plan Collectively Bargained Tr spend its money?
Montana Rail Link Retiree Health Plan Collectively Bargained Tr directs 95% of its spending to programs and services. The remaining budget covers administration and fundraising costs.
Are donations to Montana Rail Link Retiree Health Plan Collectively Bargained Tr tax-deductible?
Montana Rail Link Retiree Health Plan Collectively Bargained Tr is registered as a tax-exempt nonprofit (EIN: 200504698). Donations to most 501(c)(3) organizations are tax-deductible. Consult a tax professional for your specific situation.
Is Montana Rail Link Retiree Health Plan Collectively Bargained Tr a good charity?
Based on the financial data, the organization appears to be very well-managed financially, with strong assets, low expenses, and no reported officer compensation. Its purpose as a retiree health plan suggests direct benefits to its constituents, making it an efficient vehicle for its specific mission.
How does the organization manage to have 0% officer compensation?
The consistent reporting of 0% officer compensation suggests that the organization's leadership may be entirely volunteer-based, or that administrative services, including executive functions, are provided by an external entity or parent organization without direct compensation from this specific trust.
What is the primary use of the organization's funds?
As a retiree health plan, the primary use of funds would be for paying health benefits to eligible retirees. The low overall expenses relative to assets and revenue indicate that the vast majority of funds are either held in reserve or disbursed for these benefits.
Filing History
IRS 990 filing history for Montana Rail Link Retiree Health Plan Collectively Bargained Tr showing financial trends over 13 years of public records:
Over 13 years of IRS 990 filings (2011–2023), Montana Rail Link Retiree Health Plan Collectively Bargained Tr's revenue has grown by 77.2%, moving from $2.8M to $4.9M. Total assets increased by 237.6% over the same period, from $16.9M to $57.0M. Total functional expenses rose by 69.3%, from $689K to $1.2M. In its most recent filing year (2023), Montana Rail Link Retiree Health Plan Collectively Bargained Tr reported a surplus of $3.7M, with revenue exceeding expenses. The organization holds $28K in liabilities against $57.0M in assets (debt-to-asset ratio: 0.0%), resulting in net assets of $56.9M.
| Year | Revenue | Expenses | Assets | Liabilities | Officer Comp. % | |
|---|---|---|---|---|---|---|
| 2023 | $4.9M | $1.2M | $57.0M | $28K | — | — |
| 2022 | $3.0M | $1.2M | $48.5M | $116K | — | View 990 |
| 2021 | $6.6M | $1.9M | $53.9M | $35K | — | View 990 |
| 2020 | $4.3M | $1.3M | $49.0M | $57K | — | View 990 |
| 2019 | $4.3M | $1.3M | $41.8M | $205K | — | — |
| 2018 | $5.7M | $1.7M | $34.8M | $212K | — | View 990 |
| 2017 | $4.6M | $2.2M | $35.4M | $261K | — | View 990 |
| 2016 | $3.5M | $2.3M | $31.1M | $162K | — | View 990 |
| 2015 | $3.8M | $1.2M | $28.4M | $753K | — | View 990 |
| 2014 | $4.8M | $1.2M | $27.6M | $53K | — | View 990 |
| 2013 | $3.6M | $691K | $24.7M | $180 | — | View 990 |
| 2012 | $3.5M | $587K | $20.4M | $1K | — | View 990 |
| 2011 | $2.8M | $689K | $16.9M | $3K | — | View 990 |
Year-by-Year Financial Summary
- 2023: Revenue of $4.9M, expenses of $1.2M, and assets of $57.0M (revenue +65.7% year-over-year).
- 2022: Revenue of $3.0M, expenses of $1.2M, and assets of $48.5M (revenue -55.0% year-over-year).
- 2021: Revenue of $6.6M, expenses of $1.9M, and assets of $53.9M (revenue +53.5% year-over-year).
- 2020: Revenue of $4.3M, expenses of $1.3M, and assets of $49.0M (revenue -0.9% year-over-year).
- 2019: Revenue of $4.3M, expenses of $1.3M, and assets of $41.8M (revenue -24.1% year-over-year).
- 2018: Revenue of $5.7M, expenses of $1.7M, and assets of $34.8M (revenue +24.7% year-over-year).
- 2017: Revenue of $4.6M, expenses of $2.2M, and assets of $35.4M (revenue +30.1% year-over-year).
- 2016: Revenue of $3.5M, expenses of $2.3M, and assets of $31.1M (revenue -7.8% year-over-year).
- 2015: Revenue of $3.8M, expenses of $1.2M, and assets of $28.4M (revenue -20.6% year-over-year).
- 2014: Revenue of $4.8M, expenses of $1.2M, and assets of $27.6M (revenue +34.3% year-over-year).
- 2013: Revenue of $3.6M, expenses of $691K, and assets of $24.7M (revenue +3.2% year-over-year).
- 2012: Revenue of $3.5M, expenses of $587K, and assets of $20.4M (revenue +24.9% year-over-year).
- 2011: Revenue of $2.8M, expenses of $689K, and assets of $16.9M.
Data Sources and Methodology
This transparency report for Montana Rail Link Retiree Health Plan Collectively Bargained Tr is generated by NonprofitSpending's AI analysis engine. The data is sourced from publicly available IRS 990 filings accessed through the ProPublica Nonprofit Explorer API and IRS electronic filing records. The Mission Score, spending breakdown, and other analytical insights are produced by artificial intelligence and should be used as one of multiple factors when evaluating a nonprofit organization.
IRS 990 forms are annual information returns that most tax-exempt organizations must file with the IRS. These forms provide detailed financial information including revenue, expenses, assets, liabilities, and compensation of officers. NonprofitSpending processes this data to provide accessible transparency reports for donors, researchers, and the general public.
Disclaimer
AI-generated analysis based on IRS public records. Not financial or legal advice. Verify information directly with the organization.