Civic Intelligence

Surprise Lake Camp

EIN 13-1623869 • 501(c)3 • Cold Spring, NY

Profile

The mission of Surprise Lake Camp is to provide a high quality Jewish experience for children and young adults that is safe, fun and promotes personal growth. Through our summer camp and year round programs, we promote Jewish identity building, environmental stewardship, and the development of values and skills that help people lead fulfilling lives and become assets to their communities. Surprise Lake Camp is committed to providing scholarships for families that cannot afford our full fee.

382 Lake Surprise RoadCold Spring, NY 10516

www.surpriselake.org

Siviq Scores

Precomputed percentiles relative to similar nonprofits. These scores are descriptive rather than judgmental.

Liabilities / Assets

32nd percentile

0.06x

Higher debt load relative to assets than 32% of similar nonprofits.

501(c)3 • $10M-$25M nonprofits • Source year 2024

Liabilities / Revenue

48th percentile

0.20x

Higher debt load relative to revenue than 48% of similar nonprofits.

501(c)3 • $10M-$25M nonprofits • Source year 2024

Net Margin

15th percentile

-14%

Higher net margin than 15% of similar nonprofits.

501(c)3 • $10M-$25M nonprofits • Source year 2024

Top Officer Pay

59th percentile

$214,400

Higher top officer pay than 59% of similar nonprofits.

Top officer pay equals 5.1% of source-year revenue.

501(c)3 • $10M-$25M nonprofits • Source year 2024

Asset Growth

28th percentile

-1.6%

Faster asset growth than 28% of similar nonprofits.

501(c)3 • $10M-$25M nonprofits • Annualized from 2023 to 2024

Revenue Growth

55th percentile

9.3%

Faster revenue growth than 55% of similar nonprofits.

501(c)3 • $10M-$25M nonprofits • Annualized from 2023 to 2024

Balance Sheet
Liabilities / Assets32nd percentile

Assets

Down

$13,817,801

Down $229,605 (-1.6%) from 2023

Liabilities

Down

$834,274

Down $19,002 (-2.2%) from 2023

Net Assets

Down

$12,983,527

Down $210,603 (-1.6%) from 2023

Operations
Liabilities / Revenue48th percentileNet Margin15th percentile

Revenue

Up

$4,164,880

Up $353,467 (+9.3%) from 2023

Expenses

Up

$4,732,053

Up $229,988 (+5.1%) from 2023

Net Income

Up

-$567,173

Up $123,479 (+18%) from 2023

Trend Graphs

Balance Sheet Trend

Asset Growth28th percentile

Grouped bars show assets, liabilities, and net assets across loaded filings.

$20M$15M$10M$5.0M$0Assets 2010: $10,357,933Liabilities 2010: $461,130Net Assets 2010: $9,896,8032010Assets 2011: $10,210,813Liabilities 2011: $482,430Net Assets 2011: $9,728,3832011Assets 2012: $10,728,599Liabilities 2012: $441,146Net Assets 2012: $10,287,4532012Assets 2013: $11,557,379Liabilities 2013: $567,255Net Assets 2013: $10,990,1242013Assets 2014: $13,222,669Liabilities 2014: $580,800Net Assets 2014: $12,641,8692014Assets 2015: $13,224,992Liabilities 2015: $708,935Net Assets 2015: $12,516,0572015Assets 2016: $13,810,411Liabilities 2016: $741,467Net Assets 2016: $13,068,9442016Assets 2017: $14,367,346Liabilities 2017: $807,079Net Assets 2017: $13,560,2672017Assets 2018: $13,244,275Liabilities 2018: $768,079Net Assets 2018: $12,476,1962018Assets 2019: $14,175,790Liabilities 2019: $793,466Net Assets 2019: $13,382,3242019Assets 2020: $15,517,461Liabilities 2020: $1,669,668Net Assets 2020: $13,847,7932020Assets 2021: $16,694,153Liabilities 2021: $2,482,547Net Assets 2021: $14,211,6062021Assets 2022: $13,985,275Liabilities 2022: $765,790Net Assets 2022: $13,219,4852022Assets 2023: $14,047,406Liabilities 2023: $853,276Net Assets 2023: $13,194,1302023Assets 2024: $13,817,801Liabilities 2024: $834,274Net Assets 2024: $12,983,5272024

Highlighted filing

2024

Assets$13,817,801
Liabilities$834,274
Net Assets$12,983,527
Open 2024 Filing

Operations Trend

Revenue Growth55th percentile

Revenue, expenses, and net income by year, with the latest filing highlighted.

$6.0M$4.0M$2.0M$0-$2.0MExpenses 2010: $3,615,8822010Expenses 2011: $3,712,0912011Expenses 2012: $4,673,5842012Revenue 2013: $4,435,518Expenses 2013: $4,308,182Net Income 2013: $127,3362013Revenue 2014: $4,984,593Expenses 2014: $3,575,530Net Income 2014: $1,409,0632014Revenue 2015: $4,786,286Expenses 2015: $4,750,666Net Income 2015: $35,6202015Revenue 2016: $5,348,245Expenses 2016: $5,078,554Net Income 2016: $269,6912016Revenue 2017: $4,753,372Expenses 2017: $4,708,188Net Income 2017: $45,1842017Revenue 2018: $4,183,994Expenses 2018: $4,619,540Net Income 2018: -$435,5462018Revenue 2019: $4,537,981Expenses 2019: $4,590,423Net Income 2019: -$52,4422019Revenue 2020: $2,112,940Expenses 2020: $2,022,667Net Income 2020: $90,2732020Revenue 2021: $3,893,782Expenses 2021: $4,438,796Net Income 2021: -$545,0142021Revenue 2022: $5,365,699Expenses 2022: $4,153,632Net Income 2022: $1,212,0672022Revenue 2023: $3,811,413Expenses 2023: $4,502,065Net Income 2023: -$690,6522023Revenue 2024: $4,164,880Expenses 2024: $4,732,053Net Income 2024: -$567,1732024

Highlighted filing

2024

Revenue$4,164,880
Expenses$4,732,053
Net Income-$567,173
Open 2024 Filing

Filings

Most recent year

2024 • Form 990Facts available. Structured filing facts are available, but richer extracted sections are limited.

Open filing
Assets
$13,817,801
Liabilities
$834,274
Net assets
$12,983,527
Revenue
$4,164,880
Expenses
$4,732,053
Net income
-$567,173
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Facts available. Structured filing facts are available, but richer extracted sections are limited.$13.8$0.83$13.0$4.16$4.73$0.57
2023Detailed filing. Detailed filing data is available for this year.$14.0$0.85$13.2$3.81$4.50$0.69
2022XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$14.0$0.77$13.2$5.37$4.15$1.21
2021XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$16.7$2.48$14.2$3.89$4.44$0.55
2020Facts available. Structured filing facts are available, but richer extracted sections are limited.$15.5$1.67$13.8$2.11$2.02$0.09
2019XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$14.2$0.79$13.4$4.54$4.59$0.05
2018XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$13.2$0.77$12.5$4.18$4.62$0.44
2017XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$14.4$0.81$13.6$4.75$4.71$0.05
2016Facts available. Structured filing facts are available, but richer extracted sections are limited.$13.8$0.74$13.1$5.35$5.08$0.27
2015Detailed filing. Detailed filing data is available for this year.$13.2$0.71$12.5$4.79$4.75$0.04
2014Detailed filing. Detailed filing data is available for this year.$13.2$0.58$12.6$4.98$3.58$1.41
2013Detailed filing. Detailed filing data is available for this year.$11.6$0.57$11.0$4.44$4.31$0.13
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$10.7$0.44$10.3$4.67
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$10.2$0.48$9.73$3.71
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$10.4$0.46$9.90$3.62
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2024 to Dec 31, 2024
Signed
Oct 2, 2025
Return Version
2024v5.2
Gross Receipts
$5,964,476
Mission and Program Overview

Mission

See schedule o for detail description.

The mission of surprise lake camp is to provide a high quality jewish experience for children and young adults that is safe, fun and promotes personal growth.

Balance Sheet Detail
LineBeginningEndChange
Assets
Investments in Publicly Traded Securities$7,108,968$7,079,963▼ $29,005
Land, Buildings, and Equipment, Net$6,361,369$6,150,153▼ $211,216
Investments Other Securities$211,453$353,319▲ $141,866
Cash and Non-Interest-Bearing Accounts$122,104$58,397▼ $63,707
Accounts Receivable$48,177$0▼ $48,177
Pledges and Grants Receivable-$20,566-
Prepaid Expenses and Deferred Charges$12,097$12,097→ $0
Savings and Temporary Cash Investments-$0-
Other Notes and Loans Receivable, Net-$0-
Receivable From Disqualified Prsn-$0-
Receivables From Officers Etc-$0-
Investments Program Related-$0-
Intangible Assets-$0-
Inventories for Sale or Use-$0-
Total Assets$14,047,406$13,817,801▼ $229,605
Other Assets Total$183,238$143,306▼ $39,932
Liabilities
Deferred Revenue$581,965$669,046▲ $87,081
Other Liabilities$183,238$143,306▼ $39,932
Accounts Payable and Accrued Expenses$11,287$18,351▲ $7,064
Unsecured Notes Loans Payable$76,786$3,571▼ $73,215
Total Liabilities$853,276$834,274▼ $19,002
Net Assets / Fund Balance
Net Assets Without Donor Restrictions$9,210,611$8,090,368▼ $1,120,243
Net Assets With Donor Restrictions$3,983,519$4,893,159▲ $909,640
Total Net Assets Fund Balance$13,194,130$12,983,527▼ $210,603
Total Liabilities and Net Assets / Fund Balance$14,047,406$13,817,801▼ $229,605

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$4,788,267$6,361,541$11,149,808
Land$1,361,886-$1,361,886
Equipment-$267,498$267,498

Endowment Activity

PeriodBeginningContrib.Gain/LossOther UsesEnd
2024$6,466,763$137,908▲ $438,534$1,421,305$5,621,900
2023$6,003,331$27,201▲ $657,095$220,864$6,466,763
2022$7,227,276$40,752▼ $1,040,736$223,961$6,003,331
2021$6,893,782$37,165▲ $787,753$491,424$7,227,276
2020$6,431,935$60,301▲ $796,695$395,149$6,893,782
Compensation and Service Providers
Top Officer Pay59th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Adam BendesonExecutive DirectorFT$194,389$20,011$214,400
Sheryl KirschenbaumCamp DirectorFT$112,623$16,327$128,950

Board Members and Trustees

NameTitle
Charles JainchillPresident
Cindy ShmerlerVice President
Eve RubinsteinVice President
Mark LevineVice President
Matthew GrosshandlerVice President
Alan HoffmanDirector
Alan KleimanDirector
Bret TenenhausDirector
Dayle HenshelDirector
Dr Joseph GoldbergDirector
Eliot SenorDirector
James MeyerDirector
Jerry MeyerDirector
Joy HenshelDirector
Laurence H RubinsteinDirector
Linda MarkowitzDirector
Margery ArshamDirector
Michael ZbarDirector
Michele Mark LevineDirector
Patti HenshelDirector
Peter BaumDirector
Peter HirschDirector
Robert AltabetDirector
Seth SteinDirector
Stanley JosephsonDirector
Jordana ZbarAsst. Treasurer
Blair KlaffSecretary
Gayle DoyleTreasurer

Highest Paid Contractors

ContractorServicesLocationCompensation
Wolfoodsfood service521 Centre St South Orange, South Orange, NJ 07079$496,658
Sabatini BuildersConstruction614 Shenandoah Road Hopewell Jct, Hopewell, NY 12533$140,535
Revenue and Support

Revenue Composition

Contributions and Grants
$1,338,481
Program Service Revenue
$2,406,511
Investment Income
$419,888
Other Revenue
$0
All Other Contributions
$1,338,481
Change in Net Assets
$-567,173

Audited Revenue Reconciliation

Revenue per Audited Statements
$3,813,783
Revenue Not Reported on Financial Statements
$351,097
Revenue Not Reported on Form 990
$373,586
Other Revenue Adjustments
$334,081
Total Revenue per Audited Statements
$4,187,369
Total Revenue per Form 990
$4,164,880
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$2,506,427
Salaries, Compensation, and Employee Benefits$1,891,545
Grants and Similar Amounts Paid$334,081
Total Fundraising Expense$169,018
Professional Fundraising Fees$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages$892,514$270,412$73,853$1,236,779
Depreciation Depletion$427,701--$427,701
Current Officers, Directors, Trustees, and Key Employees$140,789$169,197$56,503$366,489
Travel$288,183$22,096$6,047$316,326
Grants to Domestic Individuals$287,641--$287,641
Insurance$153,056--$153,056
Other Employee Benefits$96,356$33,686$10,165$140,207
Payroll Taxes$74,970$31,142$9,227$115,339
Occupancy$100,940$871$258$102,069
All Other Expenses$12,099$74,379$1,489$87,967
Other Expenses$84,786--$84,786
Information Technology$45,206$18,778$5,563$69,547
Office Expenses$35,250$18,640$4,338$58,228
Fees for Services Other$51,564--$51,564
Foreign Grants$46,440--$46,440
Pension Plan Contributions$24,875$6,281$1,575$32,731
Fees for Services Accounting-$22,500-$22,500
Interest-$929-$929
Total Functional Expenses$3,894,124$668,911$169,018$4,732,053

Audited Expense Reconciliation

Line ItemAmount
Total Expenses per Form 990$4,732,053
Expenses per Audited Statements$4,397,972
Total Expenses per Audited Statements$4,397,972
Expenses Not Reported on Financial Statements$334,081
Other Expense Adjustments$334,081
International Activity

International Compliance

Activity in boycott countries
No
Foreign corporation ownership
No
Foreign partnership interest
No
Interest in foreign trust
No
Passive foreign investment company interest
No
Transfers to foreign corporations
No
Fundraising, Events, and Gaming
Fundraising activities
No
Gaming activities
No
Professional fundraiser used
No

Fundraising and Gaming Totals

Line ItemAmount
Professional Fundraising Fees$0
Political and Lobbying Activity
Political campaign activity
No
Lobbying activity
No
Subject to proxy tax
No
Insider Transactions and Loans

Loans and Receivables

Line ItemBeginningEndChange
Receivables from Disqualified Persons-$0-
Receivables from Officers, Directors, Trustees, and Key Employees-$0-
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Deffered compensation plan payable$143,306
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
No
Audit committee
Yes
Backup withholding compliance
Yes
Business relationship with 35% controlled entity
No
Business relationship with family members
No
Business relationship with organization members
No
Material changes to governing documents
No
Compensation from other sources disclosed
No
CEO compensation reviewed
Yes
Other officer compensation reviewed
Yes
Conflict-of-interest policy
Yes
Audited financial statements prepared
No
Key decisions subject to board approval
No
Management duties delegated
No

Governance Explanations

Form 990, Part VI, Section A, Line 2

“Family relationship: michael zbar and jordana zbarfamily relationship: eve rubinstein and laurance h. Rubinsteinfamily relationship: dayle henshel, joy henshel and patty henshelfamily relationship: gayle doyle and alan hoffman”

Form 990, Part VI, Section B, Line 11B

“Management reviewed a draft of the form 990 with the audit/finance committee and provided edits to the tax preparer. After this process was performed, the form 990 was sent to the full board of directors prior to being filed with the irs.”

Form 990, Part VI, Section B, Line 12C

“The organization has a board-approved conflicts of interest policy. Each board member must fill out a declaration upon joining the board and at each 3-year reelection, stating they had no conflicts or identifying the nature of their interested party transactions.”

Form 990, Part VI, Section B, Line 15A

“Ceo & top management.the executive director is currently on a 3-year contract through 2027. On renewal an executive committee reviews comparable salaries based on a recognized study and reviews the performance of the executive director to determine if the existing salary falls within these ranges. After a deliberation of this matter, a proposed salary and benefit package is voted on.”

Form 990, Part VI, Section B, Line 15B

“Officers & key employeeseach year, the staff, in coordination with the budget and personnelcommittee, reviews comparable salaries based on a recognized study and theperformance of key employees to determine if the existing salary falls withinthese ranges. After a deliberation of this matter, a new proposed salaryand benefit package is approved. The minutes of the board of directorsreflect the nature of this process.”

Form 990, Part VI, Section C, Line 19

“Financial statements are available upon request”

Filing and Contact Details

Filer

Filer Name
Surprise Lake Camp
EIN
13-1623869
Phone
8452653616
Address
382 LAKE SURPRISE ROAD, COLD SPRING, NY 10516

Signing Officer

Name
Jordana Zbar
Title
Treasurer
Signed
2025-10-02
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Adam Bendeson
Formed
1902
Legal Domicile
Ny
Voting Board Members
28
Independent Board Members
28
Employees
235
Volunteers
90

Preparer

Firm
Ncheng Llp Certified Public Accountants
Address
40 WALL ST 32ND FL, NEW YORK, NY 10005
Preparer
Miaoling Lin
Phone
2127850100
Supplemental Narrative

Financial Statement Notes

Part V, Line 4: Intended uses of the endowment fund.

“The camp's objective is to maintain the purchasing power of its endowments over time. The camp's spending and investment policies work together to achieve this objective. The investment policy establishes an achievable return objective through diversification of asset classes. The income from these investments can be used to support specific activities and provide scholarships.the current spending policy is appropriate for distribution 3.5% of its endowment funds, calculated using rolling weighted average for the past 12 quarters.”

Part X : FIN48 Footnote

“The camp is exempt from income taxes under section 501(c)(3) of the internal revneue code.the camp has analyzed tax positions taken for filing with the internal revenue services and state jurisdictions where it operates. The camp does not anticipate any significant uncertain tax positions that would require recognition in the financial statements. Periods ending december 31, 2021 and subsequent remain subject to examination by the taxing authorities.”

Part XI, Line 4B: Other revenue amounts included on 990 but not included in F/S

“Scholarships $334081”

Part XII, Line 4B: Other revenue amounts included on 990 but not included in F/S

“Scholarships $334081”

Raw XML AppendixShowing 400 of 767 raw XML fields

This appendix keeps the raw XML leaves available for debugging and edge-case review. The human report above is the primary experience.

Path#Value
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IRS990/ActivityOrMissionDesc0THE MISSION OF SURPRISE LAKE CAMP IS TO PROVIDE A HIGH QUALITY JEWISH EXPERIENCE FOR CHILDREN AND YOUNG ADULTS THAT IS SAFE, FUN AND PROMOTES PERSONAL GROWTH.
IRS990/AdvertisingGrp/TotalAmt00
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IRS990/ContractorCompensationGrp/ServicesDesc0food service
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IRS990/Desc0Surprise Lake Camps mission is to provide a high-quality camping experience primarily for Jewish children which fosters their social, moral, cultural, physical, and emotional education and development. This is achieved through wholesome recreation, Jewish ritual, environmental education, diverse program opportunities, responsible supervision, and healthful surroundings. Surprise Lake Camp is committed to serving families regardless of their ability to pay.
IRS990/DescribedInSection501c3Ind0true
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