Mutual & Membership Benefit (Y43)

SPFPA AND PARTICIPATING EMPLOYERSHEALTH AND WELFARE TRUST FUND

EIN: 20-8987948 · ROSEVILLE, MI 48066 · United States · FY 2023 Data

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Financial Overview — FY 2023

$52.1M

Total Revenue

$42.7M

Total Expenses

$4.1M

Net Assets

Employees

Revenue Sources

Program Expense Ratio N/A

Fundraising Efficiency 0.0%

Operating Reserve 1.15x

Liability-to-Asset 59.1%

Revenue Diversification 93.7%

Financial History

Year	Revenue	Expenses	Net Assets	Program %	Staff
2023	$52.1M	$42.7M	$4.1M	—	0
2022	$52.9M	$52.9M	N/A	—	0
2021	$44.7M	$51.2M	N/A	—	64

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Organization Details

EIN: 20-8987948
State: MI
City: ROSEVILLE
ZIP: 48066
Classification: Y43
Category: Mutual & Membership Benefit
Last Updated: Oct 2025

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CharityAI™ rates charities from 0 to 100 using public filings (IRS Form 990 and the equivalent registries outside the US) together with the information the charity itself provides on DonationX. Ratings are recalculated every quarter, without human bias, and shown as stars.

Four pillars

Financial strength30%

Program expense ratio, fundraising efficiency, operating reserves, liabilities and revenue diversification, compared with similar organizations.

Reliability20%

Standing with the registry, filing history, verification and how complete the profile is.

Effectiveness25%

How much goes to programs and how consistently the organization delivers them.

Impact25%

The outcomes the charity reports on DonationX: people served, cost per service and results.

Stars

★★★★★ 80–100 ★★★★☆ 60–79 ★★★☆☆ 40–59 ★★☆☆☆ 20–39 ★☆☆☆☆ 1–19

A pillar with no data counts as zero. Without impact metrics the score is capped at 59 (three stars): only the charity can supply that data.
The coverage grade (A to D) says how much filing data the score rests on; NONE means there is not enough to rate.
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