Civic Intelligence

Christian Schools International Insurance Plan & Trust

990 • Fiscal year 2017 • EIN 23-7309794

Sep 01, 2016 to Aug 31, 2017 • Filed on Jan 10, 2018

Organization ProfileN/A
3350 East Paris Avenue SEGrand Rapids, MI 49512

(616) 284-3226

Siviq Scores

Precomputed percentiles for this filing year versus similar nonprofits in the same peer cohort.

Liabilities / Assets

72nd percentile

0.15x

Higher debt load relative to assets than 72% of similar nonprofits.

2017 filings • 501(c)9 • $5M-$10M nonprofits • Source year 2017

Liabilities / Revenue

65th percentile

0.08x

Higher debt load relative to revenue than 65% of similar nonprofits.

2017 filings • 501(c)9 • $5M-$10M nonprofits • Source year 2017

Net Margin

28th percentile

-0.9%

Higher net margin than 28% of similar nonprofits.

2017 filings • 501(c)9 • $5M-$10M nonprofits • Source year 2017

Top Officer Pay

49th percentile

$0

Higher top officer pay than 49% of similar nonprofits.

Top officer pay equals 0.0% of source-year revenue.

2017 filings • 501(c)9 • $5M-$10M nonprofits • Source year 2017

Asset Growth

39th percentile

3.8%

Faster asset growth than 39% of similar nonprofits.

2017 filings • 501(c)9 • $5M-$10M nonprofits • Annualized from 2016 to 2017

Revenue Growth

51st percentile

5.6%

Faster revenue growth than 51% of similar nonprofits.

2017 filings • 501(c)9 • $5M-$10M nonprofits • Annualized from 2016 to 2017

Balance Sheet
Liabilities / Assets72nd percentile

Assets

Up

$5,362,068

Up $194,003 (+3.8%) from 2016

Net Assets

Up

$4,576,903

Up $175,358 (+4.0%) from 2016

Liabilities

Up

$785,165

Up $18,645 (+2.4%) from 2016

Revenue And Expenses
Liabilities / Revenue65th percentileNet Margin28th percentile

Revenue

Up

$9,678,471

Up $512,403 (+5.6%) from 2016

Expenses

Up

$9,761,952

Up $340,526 (+3.6%) from 2016

Net Income

Up

-$83,481

Up $171,877 (+67%) from 2016

Historical Trend

Balance Sheet Trend

Asset Growth39th percentile

The highlighted filing sits inside the broader history for assets, liabilities, and net assets.

$8.0M$6.0M$4.0M$2.0M$0Assets 2010: $5,782,705Liabilities 2010: $1,357,631Net Assets 2010: $4,425,0742010Assets 2011: $5,548,883Liabilities 2011: $1,180,914Net Assets 2011: $4,367,9692011Assets 2012: $5,364,269Liabilities 2012: $1,284,790Net Assets 2012: $4,079,4792012Assets 2013: $5,584,871Liabilities 2013: $1,270,611Net Assets 2013: $4,314,2602013Assets 2014: $5,667,773Liabilities 2014: $1,599,927Net Assets 2014: $4,067,8462014Assets 2015: $5,064,763Liabilities 2015: $574,285Net Assets 2015: $4,490,4782015Assets 2016: $5,168,065Liabilities 2016: $766,520Net Assets 2016: $4,401,5452016Assets 2017: $5,362,068Liabilities 2017: $785,165Net Assets 2017: $4,576,9032017Assets 2018: $5,545,002Liabilities 2018: $854,322Net Assets 2018: $4,690,6802018Assets 2019: $5,309,848Liabilities 2019: $787,535Net Assets 2019: $4,522,3132019Assets 2020: $5,624,342Liabilities 2020: $735,598Net Assets 2020: $4,888,7442020Assets 2021: $6,231,909Liabilities 2021: $775,525Net Assets 2021: $5,456,3842021Assets 2022: $5,188,497Liabilities 2022: $821,621Net Assets 2022: $4,366,8762022Assets 2023: $5,269,548Liabilities 2023: $808,067Net Assets 2023: $4,461,4812023Assets 2024: $5,590,973Liabilities 2024: $971,672Net Assets 2024: $4,619,3012024

Highlighted filing

2017

Assets$5,362,068
Liabilities$785,165
Net Assets$4,576,903
Open 2017 Filing

Operations Trend

Revenue Growth51st percentile

Revenue, expenses, and net income across loaded years, with this filing highlighted.

$15M$10M$5.0M$0-$5.0MExpenses 2010: $9,873,0842010Expenses 2011: $10,595,0282011Expenses 2012: $10,070,3812012Expenses 2013: $10,544,6282013Revenue 2014: $11,297,565Expenses 2014: $11,543,979Net Income 2014: -$246,4142014Revenue 2015: $9,124,035Expenses 2015: $8,571,786Net Income 2015: $552,2492015Revenue 2016: $9,166,068Expenses 2016: $9,421,426Net Income 2016: -$255,3582016Revenue 2017: $9,678,471Expenses 2017: $9,761,952Net Income 2017: -$83,4812017Revenue 2018: $9,582,025Expenses 2018: $9,686,137Net Income 2018: -$104,1122018Revenue 2019: $10,158,401Expenses 2019: $10,329,834Net Income 2019: -$171,4332019Revenue 2020: $9,811,121Expenses 2020: $9,857,345Net Income 2020: -$46,2242020Revenue 2021: $9,513,510Expenses 2021: $9,729,729Net Income 2021: -$216,2192021Revenue 2022: $9,699,281Expenses 2022: $9,959,432Net Income 2022: -$260,1512022Revenue 2023: $10,668,482Expenses 2023: $10,842,746Net Income 2023: -$174,2642023Revenue 2024: $12,858,358Expenses 2024: $13,075,656Net Income 2024: -$217,2982024

Highlighted filing

2017

Revenue$9,678,471
Expenses$9,761,952
Net Income-$83,481
Open 2017 Filing
Jump To
Filing Snapshot
Filing Period
Sep 1, 2016 to Aug 31, 2017
Signed
Jan 10, 2018
Return Version
2016v3.0
Gross Receipts
$9,678,471
Mission and Program Overview

Mission

Provide health & welfare benefits for participants

Balance Sheet Detail
LineBeginningEndChange
Assets
Investments in Publicly Traded Securities$3,536,739$3,928,883▲ $392,144
Savings and Temporary Cash Investments$1,336,229$1,101,715▼ $234,514
Accounts Receivable$263,096$303,419▲ $40,323
Prepaid Expenses and Deferred Charges$16,088$15,513▼ $575
Land, Buildings, and Equipment, Net$15,913$12,538▼ $3,375
Total Assets$5,168,065$5,362,068▲ $194,003
Liabilities
Accounts Payable and Accrued Expenses$507,623$527,284▲ $19,661
Deferred Revenue$258,897$257,881▼ $1,016
Total Liabilities$766,520$785,165▲ $18,645
Net Assets / Fund Balance
Unrestricted Net Assets$4,401,545$4,576,903▲ $175,358
Total Net Assets Fund Balance$4,401,545$4,576,903▲ $175,358
Total Liabilities and Net Assets / Fund Balance$5,168,065$5,362,068▲ $194,003

Asset Categories

AssetBook ValueDepreciationBasis
Other Land Buildings$12,538$162,477$175,015
Compensation and Service Providers
Top Officer Pay49th percentile

Board Members and Trustees

NameTitle
Darryl De RuiterTrustee
Dirk PruisTrustee
Edward TalenTrustee
Eleanor Den HartighTrustee
Jeremy Van NieuwenhuyzenTrustee
Leonard Van DrunenTrustee
Mark KrommendykTrustee
Scott SpoelhofTrustee
Susan StaffordTrustee
Thomas DykhouseTrustee
Tim HoeksemaTrustee
Timothy LongTrustee
Chad DirkseTRUSTEE - part year
Howard Van MersbergenExec Secretary/treasurer

Highest Paid Contractors

ContractorServicesLocationCompensation
Csi Coordinated Administrative ServicesAdministrative Fees3350 EAST PARIS AVE SE, Grand Rapids, MI 49512$266,099
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$9,532,098
Investment Income
$84,206
Other Revenue
$62,167
Change in Net Assets
$-83,481

Audited Revenue Reconciliation

Revenue per Audited Statements
$9,678,471
Revenue Not Reported on Financial Statements
$0
Revenue Not Reported on Form 990
$258,839
Total Revenue per Audited Statements
$9,937,310
Total Revenue per Form 990
$9,678,471
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$495,204
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Salaries, Compensation, and Employee Benefits$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Benefits to Members---$9,266,748
Information Technology---$74,813
Fees for Services Other---$69,110
Insurance---$17,038
Conferences and Meetings---$16,719
Fees for Services Accounting---$16,400
Fees for Services Legal---$15,261
Depreciation Depletion---$3,375
Office Expenses---$1,897
Other Expenses---$464
Total Functional Expenses$0$0$0$9,761,952

Audited Expense Reconciliation

Line ItemAmount
Expenses per Audited Statements$9,761,952
Total Expenses per Audited Statements$9,761,952
Total Expenses per Form 990$9,761,952
Expenses Not Reported on Financial Statements$0
Expenses Not Reported on Form 990$0
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
Subject to proxy tax
No
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
Yes
Audit committee
Yes
Backup withholding compliance
Yes
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
No
Other officer compensation reviewed
No
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 7A

“Christian schools international has the power to appoint trustees to the board of trustees.”

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

“Howard van mersbergen, as the executive secretary-treasurer for the board of trustees reviews and signs the form 990.”

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

“At appointment, trustees sign a conflict of interest document that requires them to report any such conflict should it occur. The plans monitor potential conflicts with the leadership of howard van mersbergen, executive vice president. Howard leverages updates on legal and trustee matters with the assistance of his legal counsel warner, norcross & judd llp (wnj). If an employee had an item of concern they would inquire of howard and howard would consult with wnj and the trustees for resolution.”

Form 990, Part VI, Section C, line 19

“the organization makes all governing documents, conflict of interest policies and financial statements available to the public upon request.”

Filing and Contact Details

Filer

Filer Name
Christian Schools International
EIN
23-7309794
Phone
6162843226
Address
3350 EAST PARIS AVENUE SE, GRAND RAPIDS, MI 49512

Signing Officer

Name
Howard Van Mersbergen
Title
Executive Secretary/treasurer
Phone
6162843226
Signed
2018-01-10
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Howard Van Mersbergen
Formed
1989
Legal Domicile
Mi
Voting Board Members
13
Independent Board Members
13
Employees
0
Volunteers
13

Preparer

Firm
Plante & Moran Pllc
Address
634 Front Ave NW Ste 400, Grand Rapids, MI 49504
Preparer
Lynne M Huismann
Phone
6167748221
Supplemental Narrative

Additional Explanations

Form 990 Part XII Line 2C

“There was no change in the audit oversight process from the prior year. Oversight is provided by the coordinated adminstrative services management committee.”

Raw XML AppendixShowing 400 of 689 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/Form990PartVIISectionAGrp/TitleTxt2TRUSTEE
IRS990/Form990PartVIISectionAGrp/TitleTxt3TRUSTEE
IRS990/Form990PartVIISectionAGrp/TitleTxt4TRUSTEE
IRS990/Form990PartVIISectionAGrp/TitleTxt5TRUSTEE
IRS990/Form990PartVIISectionAGrp/TitleTxt6TRUSTEE
IRS990/Form990PartVIISectionAGrp/TitleTxt7TRUSTEE
IRS990/Form990PartVIISectionAGrp/TitleTxt8TRUSTEE
IRS990/Form990PartVIISectionAGrp/TitleTxt9TRUSTEE
IRS990/Form990PartVIISectionAGrp/TitleTxt10TRUSTEE
IRS990/Form990PartVIISectionAGrp/TitleTxt11TRUSTEE
IRS990/Form990PartVIISectionAGrp/TitleTxt12TRUSTEE
IRS990/Form990PartVIISectionAGrp/TitleTxt13TRUSTEE - part year
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IRS990/MembersOrStockholdersInd00
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IRS990/MinutesOfCommitteesInd01
IRS990/MinutesOfGoverningBodyInd01
IRS990/MissionDesc0PROVIDE HEALTH & WELFARE BENEFITS FOR PARTICIPANTS
IRS990/MoreThan5000KToIndividualsInd00
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IRS990ScheduleD/OtherLandBuildingsGrp/BookValueAmt012538
IRS990ScheduleD/OtherLandBuildingsGrp/DepreciationAmt0162477
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IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0CHRISTIAN SCHOOLS INTERNATIONAL HAS THE POWER TO APPOINT TRUSTEES TO THE BOARD OF TRUSTEES.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1HOWARD VAN MERSBERGEN, AS THE EXECUTIVE SECRETARY-TREASURER FOR THE BOARD OF TRUSTEES REVIEWS AND SIGNS THE FORM 990.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2AT APPOINTMENT, TRUSTEES SIGN A CONFLICT OF INTEREST DOCUMENT THAT REQUIRES THEM TO REPORT ANY SUCH CONFLICT SHOULD IT OCCUR. THE PLANS MONITOR POTENTIAL CONFLICTS WITH THE LEADERSHIP OF HOWARD VAN MERSBERGEN, EXECUTIVE VICE PRESIDENT. HOWARD LEVERAGES UPDATES ON LEGAL AND TRUSTEE MATTERS WITH THE ASSISTANCE OF HIS LEGAL COUNSEL WARNER, NORCROSS & JUDD LLP (WNJ). IF AN EMPLOYEE HAD AN ITEM OF CONCERN THEY WOULD INQUIRE OF HOWARD AND HOWARD WOULD CONSULT WITH WNJ AND THE TRUSTEES FOR RESOLUTION.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3the organization makes all governing documents, conflict of interest policies and financial statements available to the public upon request.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4THERE WAS NO CHANGE IN THE AUDIT OVERSIGHT PROCESS FROM THE PRIOR YEAR. OVERSIGHT IS PROVIDED BY THE COORDINATED ADMINSTRATIVE SERVICES MANAGEMENT COMMITTEE.
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0Form 990, Part VI, Section A, line 7a
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1Form 990, Part VI, Section B, line 11b
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2Form 990, Part VI, Section B, line 12c
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3Form 990, Part VI, Section C, line 19
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4FORM 990 PART XII LINE 2C
IRS990ScheduleR/AssetExchangeInd00
IRS990ScheduleR/AssetPurchaseFromOtherOrgInd00
IRS990ScheduleR/AssetSaleToOtherOrgInd00
IRS990ScheduleR/DivRelatedOrganizationInd00
IRS990ScheduleR/GiftGrntCapContriFromOthOrgInd00
IRS990ScheduleR/GiftGrntOrCapContriToOthOrgInd00
IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/ControlledOrganizationInd00
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IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/ControlledOrganizationInd20
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IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/ControlledOrganizationInd760
IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/ControlledOrganizationInd770
IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/ControlledOrganizationInd780

Document Assets

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Filings

Displayed year

2017 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$5,362,068
Liabilities
$785,165
Net assets
$4,576,903
Revenue
$9,678,471
Expenses
$9,761,952
Net income
-$83,481
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Detailed filing. Detailed filing data is available for this year.$5.59$0.97$4.62$12.9$13.1$0.22
2023Detailed filing. Detailed filing data is available for this year.$5.27$0.81$4.46$10.7$10.8$0.17
2022Detailed filing. Detailed filing data is available for this year.$5.19$0.82$4.37$9.70$9.96$0.26
2021Detailed filing. Detailed filing data is available for this year.$6.23$0.78$5.46$9.51$9.73$0.22
2020Detailed filing. Detailed filing data is available for this year.$5.62$0.74$4.89$9.81$9.86$0.05
2019Detailed filing. Detailed filing data is available for this year.$5.31$0.79$4.52$10.2$10.3$0.17
2018Detailed filing. Detailed filing data is available for this year.$5.55$0.85$4.69$9.58$9.69$0.10
2017Detailed filing. Detailed filing data is available for this year.$5.36$0.79$4.58$9.68$9.76$0.08
2016Detailed filing. Detailed filing data is available for this year.$5.17$0.77$4.40$9.17$9.42$0.26
2015Detailed filing. Detailed filing data is available for this year.$5.06$0.57$4.49$9.12$8.57$0.55
2014Detailed filing. Detailed filing data is available for this year.$5.67$1.60$4.07$11.3$11.5$0.25
2013Facts available. Structured filing facts are available, but richer extracted sections are limited.$5.58$1.27$4.31$10.5
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$5.36$1.28$4.08$10.1
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$5.55$1.18$4.37$10.6
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$5.78$1.36$4.43$9.87
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