Trust Agreement For Post Retirement Medical Plan For Union Employees O
Post-Retirement Medical Trust Experiences Significant Asset Decline Amidst Consistent Operating Deficits.
EIN: 10517029 · Orange, CT · NTEE: Y99 · Updated: 2026-03-26
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| Metric | Value |
|---|---|
| Total Revenue | $7.6M |
| Total Expenses | $3.9M |
| Program Spending | 95% |
| Net Assets | $6.3M |
| Transparency Score | 45/100 |
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Trust Agreement For Post Retirement Medical Plan For Union Employees O Form 990, Revenue, CEO Pay, and IRS Filing Signals
Trust Agreement For Post Retirement Medical Plan For Union Employees O is surfaced here as a decision-ready nonprofit financial profile, not just a charity listing. The page consolidates IRS Form 990 revenue, expenses, assets, tax-exempt classification, executive compensation, mission score, red flags, and year-by-year filing history so donors, researchers, journalists, and grant teams can answer the common search questions around Trust Agreement For Post Retirement Medical Plan For Union Employees O in one place.
Form 990 Filing Summary
13 filing years are available, with latest revenue of $713K and expenses of $3.9M.
Revenue and Expenses
Trust Agreement For Post Retirement Medical Plan For Union Employees O reported $713K in revenue and $3.9M in expenses, a deficit of $3.2M.
Executive Compensation
Officer, director, trustee, and key employee pay is reviewed from IRS 990 compensation disclosures when present.
Charity Score and Red Flags
45/100 mission score, 3 red flags, and 2 strengths are shown from structured and AI review.
Is Trust Agreement For Post Retirement Medical Plan For Union Employees O Legit?
Significant Concerns
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Expense Deployment
| Program services | $3.7M (95%) |
Across stored filings, Trust Agreement For Post Retirement Medical Plan For Union Employees O shows contribution history pending. Next enrichment targets: revenue-source fields, IRS BMF classification.
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| Decision Lens | Signal | What to Inspect Next |
|---|---|---|
| Legitimacy | Significant Concerns | Good filing record; 3 red flags identified |
| Mission spend | 95% to programs | Excellent |
| Financial durability | Grade B | 13 stored filing years |
| Peer context | Compare with Teen Center Of Wilton Inc | Connecticut and Category Y context |
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Trust Agreement For Post Retirement Medical Plan For Union Employees O directs 95% of its spending to programs. This exceeds the industry benchmark of 65%, indicating strong mission focus.
About Trust Agreement For Post Retirement Medical Plan For Union Employees O
Trust Agreement For Post Retirement Medical Plan For Union Employees O (EIN: 10517029) is a nonprofit organization based in Orange, CT, classified under NTEE code Y99. The organization reported total revenue of $7.6M and total assets of $3.7M according to its most recent IRS 990 filing. This transparency report provides an AI-powered analysis of Trust Agreement For Post Retirement Medical Plan For Union Employees O's financial health, spending patterns, executive compensation, and overall mission effectiveness based on publicly available IRS data.
Organization Overview
Trust Agreement For Post Retirement Medical Plan For Union Employees O is a mid-size nonprofit that has been operating for 28 years, with 13 years of IRS 990 filings on record (2011–2023). Revenue has grown at a compound annual rate of -2.8%.
Key Financial Metrics (2023)
From the most recent IRS 990 filing on record:
| Total Revenue | $713K |
| Total Expenses | $3.9M |
| Surplus / Deficit | $-3,224,200 |
| Total Assets | $6.3M |
| Net Assets | $6.3M |
| Operating Margin | -452.0% |
| Months of Reserves | 19.3 months |
Financial Health Grade: B
In 2023, Trust Agreement For Post Retirement Medical Plan For Union Employees O reported a deficit of $3.2M with expenses exceeding revenue, holds 19.3 months of operating reserves (strong position).
Financial Trends
Over 13 years of filings (2011–2023), Trust Agreement For Post Retirement Medical Plan For Union Employees O's revenue has declined at a compound annual growth rate (CAGR) of -2.8%.
| Year | Revenue Change | Expense Change | Asset Change |
|---|---|---|---|
| 2023 | +152.9% | +7.6% | -33.7% |
| 2022 | -84.8% | -58.1% | -26.1% |
| 2021 | -31.4% | +301.5% | -34.7% |
| 2020 | +119.2% | +4.8% | +2.9% |
| 2019 | +61.0% | -10.1% | -4.2% |
IRS Tax-Exempt Classification
| IRS Classification Codes | 1000 |
| IRS Ruling Date | 1998 |
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 Trust Agreement For Post Retirement Medical Plan For Union Employees O with a Mission Score of 45 out of 100 (Fair). 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, Trust Agreement For Post Retirement Medical Plan For Union Employees O 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 deficit of $3.2M, with expenses exceeding revenue.
Executive Compensation Analysis
The organization consistently reports 0% officer compensation across all available filings, indicating that no executive salaries are paid from the Trust's funds, which is a positive for cost efficiency.
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 Trust Agreement For Post Retirement Medical Plan For Union Employees O's IRS 990 filings:
- Consistent and significant operating deficits (e.g., $3.2 million deficit in 2023).
- Sharp decline in total assets over recent years (from $22.2M in 2016 to $6.3M in 2023).
- NTEE code Y99 ('Unknown') suggests a lack of specific categorization, potentially impacting clarity on its exact activities.
Strengths
The following positive indicators were identified for Trust Agreement For Post Retirement Medical Plan For Union Employees O:
- No officer compensation reported, indicating efficient governance in executive pay.
- Likely high program spending ratio, as its primary function is to disburse benefits.
Frequently Asked Questions about Trust Agreement For Post Retirement Medical Plan For Union Employees O
Is Trust Agreement For Post Retirement Medical Plan For Union Employees O a legitimate charity?
Trust Agreement For Post Retirement Medical Plan For Union Employees O (EIN: 10517029) is a registered tax-exempt nonprofit based in Connecticut. Our AI analysis gives it a Mission Score of 45/100. It has 13 years of IRS 990 filings on record. Total revenue: $7.6M. 3 red flags identified. 2 strengths noted. Financial health grade: B.
How does Trust Agreement For Post Retirement Medical Plan For Union Employees O spend its money?
Trust Agreement For Post Retirement Medical Plan For Union Employees O directs 95% of its spending to programs and services. This exceeds the 65% industry benchmark.
Are donations to Trust Agreement For Post Retirement Medical Plan For Union Employees O tax-deductible?
Trust Agreement For Post Retirement Medical Plan For Union Employees O is registered as a tax-exempt nonprofit (EIN: 10517029). Donations to most 501(c)(3) organizations are tax-deductible. Consult a tax professional for your specific situation.
How does Trust Agreement For Post Retirement Medical Plan For Union Employees O compare to similar nonprofits?
With a transparency score of 45/100 (Fair), Trust Agreement For Post Retirement Medical Plan For Union Employees O is near average for NTEE category Y99 nonprofits. The score reflects financial transparency, program spending efficiency, and governance quality based on IRS 990 data.
Where is Trust Agreement For Post Retirement Medical Plan For Union Employees O located?
Trust Agreement For Post Retirement Medical Plan For Union Employees O is headquartered in Orange, Connecticut and files with the IRS under EIN 10517029. It is classified under NTEE code Y99.
How many years of IRS 990 filings does Trust Agreement For Post Retirement Medical Plan For Union Employees O have?
Trust Agreement For Post Retirement Medical Plan For Union Employees O has 13 years of IRS 990 filings on record at NonprofitSpending. This extensive filing history provides a strong basis for evaluating long-term financial trends. The most recent filing shows $7.6M in total revenue.
Is Trust Agreement For Post Retirement Medical Plan For Union Employees O financially sustainable?
Based on the consistent operating deficits (e.g., $713,380 revenue vs. $3,937,580 expenses in 2023) and the sharp decline in assets from $22.2 million in 2016 to $6.3 million in 2023, the Trust's current financial model appears unsustainable in the long term without significant changes to revenue generation or expense management.
What is the primary purpose of this organization?
As a 'Trust Agreement For Post Retirement Medical Plan For Union Employees O,' its primary purpose is to provide post-retirement medical benefits to union employees, which would constitute its main programmatic activity.
Why are the assets declining so rapidly?
The rapid decline in assets is primarily due to the Trust consistently spending significantly more than it generates in revenue. For example, in 2021, expenses were $8,725,280 against revenue of $1,860,359, leading to a substantial draw-down from its asset base.
Filing History
IRS 990 filing history for Trust Agreement For Post Retirement Medical Plan For Union Employees O showing financial trends over 13 years of public records:
Over 13 years of IRS 990 filings (2011–2023), Trust Agreement For Post Retirement Medical Plan For Union Employees O's revenue has declined by 29.2%, moving from $1.0M to $713K. Total assets decreased by 62.2% over the same period, from $16.8M to $6.3M. Total functional expenses rose by 109643%, from $4K to $3.9M. In its most recent filing year (2023), Trust Agreement For Post Retirement Medical Plan For Union Employees O reported a deficit of $3.2M, with expenses exceeding revenue.
| Year | Revenue | Expenses | Assets | Liabilities | Officer Comp. % | |
|---|---|---|---|---|---|---|
| 2023 | $713K | $3.9M | $6.3M | $0 | — | — |
| 2022 | $282K | $3.7M | $9.6M | $0 | — | View 990 |
| 2021 | $1.9M | $8.7M | $12.9M | $0 | — | View 990 |
| 2020 | $2.7M | $2.2M | $19.8M | $0 | — | — |
| 2019 | $1.2M | $2.1M | $19.2M | $0 | — | View 990 |
| 2018 | $768K | $2.3M | $20.1M | $0 | — | View 990 |
| 2017 | $1.7M | $2.3M | $21.6M | $0 | — | View 990 |
| 2016 | $386K | $263K | $22.2M | $0 | — | View 990 |
| 2015 | $1.6M | $1.4M | $22.1M | $0 | — | View 990 |
| 2014 | $1.5M | $2.3M | $21.8M | $0 | — | View 990 |
| 2013 | $1.4M | $500K | $22.6M | $0 | — | View 990 |
| 2012 | $5.1M | $45K | $21.8M | $0 | — | View 990 |
| 2011 | $1.0M | $4K | $16.8M | $0 | — | View 990 |
Year-by-Year Financial Summary
- 2023: Revenue of $713K, expenses of $3.9M, and assets of $6.3M (revenue +152.9% year-over-year).
- 2022: Revenue of $282K, expenses of $3.7M, and assets of $9.6M (revenue -84.8% year-over-year).
- 2021: Revenue of $1.9M, expenses of $8.7M, and assets of $12.9M (revenue -31.4% year-over-year).
- 2020: Revenue of $2.7M, expenses of $2.2M, and assets of $19.8M (revenue +119.2% year-over-year).
- 2019: Revenue of $1.2M, expenses of $2.1M, and assets of $19.2M (revenue +61.0% year-over-year).
- 2018: Revenue of $768K, expenses of $2.3M, and assets of $20.1M (revenue -55.6% year-over-year).
- 2017: Revenue of $1.7M, expenses of $2.3M, and assets of $21.6M (revenue +348.0% year-over-year).
- 2016: Revenue of $386K, expenses of $263K, and assets of $22.2M (revenue -76.1% year-over-year).
- 2015: Revenue of $1.6M, expenses of $1.4M, and assets of $22.1M (revenue +9.4% year-over-year).
- 2014: Revenue of $1.5M, expenses of $2.3M, and assets of $21.8M (revenue +5.0% year-over-year).
- 2013: Revenue of $1.4M, expenses of $500K, and assets of $22.6M (revenue -72.4% year-over-year).
- 2012: Revenue of $5.1M, expenses of $45K, and assets of $21.8M (revenue +406.0% year-over-year).
- 2011: Revenue of $1.0M, expenses of $4K, and assets of $16.8M.
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Explore detailed financial data from each IRS 990 filing year for Trust Agreement For Post Retirement Medical Plan For Union Employees O:
Data Sources and Methodology
This transparency report for Trust Agreement For Post Retirement Medical Plan For Union Employees O 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.