Employee Benefit Trust of Eastern Pennsylvania
Legal name: Employee Benefit Tr of Eastern Pa
Nonprofit profile at a glance
- EIN
- 232251070
- IRS 990 coverage
- 2009–2024
- Official website data refreshed
- Sep 2026
- Forms available
- Form 990 2024
- Location
- Easton, PA, USA
- Phone
- 610-515-6510
- Rating
- 84
- Verdict
- STRONG
- Rating confidence
- Moderate
Reported finances
- Revenue
- $162,167,762
- Expenses
- $170,098,264
- Assets
- $87,414,607
- Liabilities
- $13,643,352
Source: IRS Form 990. Selected filing: tax year 2024. Amounts in USD.
Leadership & pay
49 people listed
People named in this filing
- DR MICHAEL BAIRD LEFT 122024 (BOARD TRUSTE)
- MR KENNETH BUTZ LEFT 122024 (BOARD TRUSTE)
- MR ROBERT RUTT JOINED 122024 (BOARD TRUSTE)
Selected names, not a complete roster or a statement of current roles. Open leadership details for the complete filed list.
Source: IRS Form 990. Selected filing: tax year 2024. Names and roles reflect this filing, not necessarily current officeholders.
Overview
Mission
Welcome to **Employee Benefit Trust of Eastern Pennsylvania** , or EBTEP as it is commonly known to most employees. EBTEP was created in 1983 to provide affordable, cost-saving and quality heath care benefits to public school system employees and their dependents. EBTEP is open to the public school systems serving students in the eastern section of Pennsylvania. School districts joint the Trust bring their health plans to the Trust for administration. These plans usually include medical, surgical, hospitalization, major-medical, dental, prescription and vision benefit programs. EBTEP is governed by a Board of Trustees, comprised of representatives from each school district. Each school distr.
What it reported doing in 2024
Health and welfare trust for payment of medical bills for member school districts and intermediate units.
Operating model
- Revenue model
- Membership-supported. 77% of the money available for current operations came from membership dues.
- Distribution model
- Direct operator. The filing allocates 100% of reported program-service expenses outside its grant, affiliate-payment, and member-benefit lines. This expense classification does not rule out separately announced grant awards.
The verdict
STRONG - A large share of available resources goes toward mission work and the filed numbers largely add up. Some filing-based governance responses are negative or unanswered and expenses are high relative to revenue.
Rating breakdown
- Financial Efficiency: 89
- Transparency & Controls: 90
- Accountability: 76
- Sustainability: 32
- Growth: 100
Detailed rating inputs
Financial Efficiency
- Mission deployment rate: 100%; rating input score 100
- Program expense ratio: 100%; rating input score 100
- Fundraising efficiency: Limited
Transparency & Controls
- Consistency checks: 100%; rating input score 100; 68th percentile among comparable filings
- Pay-setting controls: Limited
- Foreign activity oversight: Limited
- Grant itemization coverage: Limited
- Major donor itemization: Limited
- Related-party transparency: Limited
Accountability
- Independent voting board: 100%; rating input score 100; 77th percentile among comparable filings
- Governance controls: 3 of 7 controls in place; rating input score 43
- Conflict-of-interest policy: Fail
- Whistleblower policy: Fail
- Document-retention policy: Fail
- CEO compensation review process: NotApplicable
- Other executive compensation review process: NotApplicable
- Form 990 shared with the board: Fail
- Board meeting minutes documented: Pass
- Audit committee oversight: Pass
- Independent financial-statement audit: Pass
Sustainability
- Operating margin: -4.9%; rating input score 13; 13th percentile among comparable filings
- Total-asset coverage ratio: 0.51; rating input score 19; 19th percentile among comparable filings
- Liabilities to assets ratio: 0.16; rating input score 75; 75th percentile among comparable filings
- Officer compensation ratio: 0%; rating input score 98; 98th percentile among comparable filings
Growth
- Program expense growth: 4.3% per year; rating input score 100; 33rd percentile among comparable filings
- Revenue growth: 4.3% per year; rating input score 100; 35th percentile among comparable filings
- Asset growth: 6.3% per year; rating input score 100; 46th percentile among comparable filings
Details
- What they do: 1 operating location identified
- Where the money goes: 100% of revenue deployed · 100% of spending went to programs
- Governance: 43 of 43 board members independent · 3 of 7 filing controls reported
- Programs: 1 filed program accomplishment
- Leadership: top reported pay $0 · 49 people listed
- Highest-paid contractors: 5 contractors listed · $3.7M reported
- Consistency: 19 of 19 current checks pass
- Schedules: 2 filed schedules
- Filing history: 16 filing years from 2009 to 2024
- Contacts: How to reach this organization
- Grant readiness: Federal tax and exclusion status, award history, and grant-maker relationships.
- People: Everyone the filings name, and which of them the filings identify by more than a name.
Key Signals
Signals prioritize questions for review. They are not findings of misconduct.
- Moderate — Accountability: Governance controls: 4 of 7 not reported.
- High — Sustainability: Operating margin scored 13/100.
- High — Sustainability: Total-asset coverage ratio scored 19/100.