Civic Intelligence

Gulf Stream School Inc

EIN 59-0977808 • 501(c)3 • Gulf Stream, FL

View Organization Page

Profile

Education of grades pre-school through eighth grade.

3600 Gulf Stream RoadGulf Stream, FL 33483

www.gulfstreamschool.org

Siviq Scores

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

Liabilities / Assets

30th percentile

0.07x

Higher debt load relative to assets than 30% of similar nonprofits.

501(c)3 • $25M-$50M nonprofits • Source year 2025

Liabilities / Revenue

39th percentile

0.19x

Higher debt load relative to revenue than 39% of similar nonprofits.

501(c)3 • $25M-$50M nonprofits • Source year 2025

Net Margin

59th percentile

7.9%

Higher net margin than 59% of similar nonprofits.

501(c)3 • $25M-$50M nonprofits • Source year 2025

Top Officer Pay

56th percentile

$289,227

Higher top officer pay than 56% of similar nonprofits.

Top officer pay equals 2.2% of source-year revenue.

501(c)3 • $25M-$50M nonprofits • Source year 2025

Asset Growth

67th percentile

10%

Faster asset growth than 67% of similar nonprofits.

501(c)3 • $25M-$50M nonprofits • Annualized from 2024 to 2025

Revenue Growth

45th percentile

5.8%

Faster revenue growth than 45% of similar nonprofits.

501(c)3 • $25M-$50M nonprofits • Annualized from 2024 to 2025

Balance Sheet
Liabilities / Assets30th percentile

Assets

Up

$36,521,964

Up $3,424,033 (+10%) from 2024

Liabilities

Up

$2,449,846

Up $50,027 (+2.1%) from 2024

Net Assets

Up

$34,072,118

Up $3,374,006 (+11%) from 2024

Operations
Liabilities / Revenue39th percentileNet Margin59th percentile

Revenue

Up

$13,226,453

Up $725,046 (+5.8%) from 2024

Expenses

Up

$12,176,323

Up $1,183,698 (+11%) from 2024

Net Income

Down

$1,050,130

Down $458,652 (-30%) from 2024

Trend Graphs

Balance Sheet Trend

Asset Growth67th percentile

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

$40M$30M$20M$10M$0Assets 2011: $17,029,465Liabilities 2011: $584,918Net Assets 2011: $16,444,5472011Assets 2012: $18,140,546Liabilities 2012: $1,123,685Net Assets 2012: $17,016,8612012Assets 2013: $19,983,181Liabilities 2013: $1,055,851Net Assets 2013: $18,927,3302013Assets 2014: $21,955,626Liabilities 2014: $882,525Net Assets 2014: $21,073,1012014Assets 2015: $22,498,719Liabilities 2015: $1,001,973Net Assets 2015: $21,496,7462015Assets 2016: $22,650,785Liabilities 2016: $1,011,061Net Assets 2016: $21,639,7242016Assets 2017: $23,815,337Liabilities 2017: $1,052,893Net Assets 2017: $22,762,4442017Assets 2018: $24,803,470Liabilities 2018: $1,248,176Net Assets 2018: $23,555,2942018Assets 2019: $26,391,423Liabilities 2019: $1,213,722Net Assets 2019: $25,177,7012019Assets 2020: $26,660,266Liabilities 2020: $1,392,036Net Assets 2020: $25,268,2302020Assets 2021: $28,917,194Liabilities 2021: $1,524,179Net Assets 2021: $27,393,0152021Assets 2022: $26,409,353Liabilities 2022: $1,898,001Net Assets 2022: $24,511,3522022Assets 2023: $29,046,889Liabilities 2023: $2,334,490Net Assets 2023: $26,712,3992023Assets 2024: $33,097,931Liabilities 2024: $2,399,819Net Assets 2024: $30,698,1122024Assets 2025: $36,521,964Liabilities 2025: $2,449,846Net Assets 2025: $34,072,1182025

Highlighted filing

2025

Assets$36,521,964
Liabilities$2,449,846
Net Assets$34,072,118
Open 2025 Filing

Operations Trend

Revenue Growth45th percentile

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

$15M$10M$5.0M$0-$5.0MRevenue 2011: $5,740,200Expenses 2011: $4,860,984Net Income 2011: $879,2162011Expenses 2012: $5,062,5422012Expenses 2013: $5,323,7272013Revenue 2014: $6,301,120Expenses 2014: $5,508,508Net Income 2014: $792,6122014Revenue 2015: $6,173,914Expenses 2015: $5,949,278Net Income 2015: $224,6362015Revenue 2016: $6,786,346Expenses 2016: $6,444,487Net Income 2016: $341,8592016Revenue 2017: $6,463,624Expenses 2017: $6,567,575Net Income 2017: -$103,9512017Revenue 2018: $6,797,988Expenses 2018: $6,781,887Net Income 2018: $16,1012018Revenue 2019: $7,826,363Expenses 2019: $7,185,872Net Income 2019: $640,4912019Revenue 2020: $7,248,798Expenses 2020: $7,488,194Net Income 2020: -$239,3962020Revenue 2021: $6,859,031Expenses 2021: $8,711,634Net Income 2021: -$1,852,6032021Revenue 2022: $8,595,738Expenses 2022: $9,027,509Net Income 2022: -$431,7712022Revenue 2023: $9,972,632Expenses 2023: $9,811,327Net Income 2023: $161,3052023Revenue 2024: $12,501,407Expenses 2024: $10,992,625Net Income 2024: $1,508,7822024Revenue 2025: $13,226,453Expenses 2025: $12,176,323Net Income 2025: $1,050,1302025

Highlighted filing

2025

Revenue$13,226,453
Expenses$12,176,323
Net Income$1,050,130
Open 2025 Filing

Filings

Most recent year

2025 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$36,521,964
Liabilities
$2,449,846
Net assets
$34,072,118
Revenue
$13,226,453
Expenses
$12,176,323
Net income
$1,050,130
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2025Detailed filing. Detailed filing data is available for this year.$36.5$2.45$34.1$13.2$12.2$1.05
2024Detailed filing. Detailed filing data is available for this year.$33.1$2.40$30.7$12.5$11.0$1.51
2023Detailed filing. Detailed filing data is available for this year.$29.0$2.33$26.7$9.97$9.81$0.16
2022Detailed filing. Detailed filing data is available for this year.$26.4$1.90$24.5$8.60$9.03$0.43
2021Facts available. Structured filing facts are available, but richer extracted sections are limited.$28.9$1.52$27.4$6.86$8.71$1.85
2020Detailed filing. Detailed filing data is available for this year.$26.7$1.39$25.3$7.25$7.49$0.24
2019Detailed filing. Detailed filing data is available for this year.$26.4$1.21$25.2$7.83$7.19$0.64
2018Detailed filing. Detailed filing data is available for this year.$24.8$1.25$23.6$6.80$6.78$0.02
2017Detailed filing. Detailed filing data is available for this year.$23.8$1.05$22.8$6.46$6.57$0.10
2016Detailed filing. Detailed filing data is available for this year.$22.7$1.01$21.6$6.79$6.44$0.34
2015Detailed filing. Detailed filing data is available for this year.$22.5$1.00$21.5$6.17$5.95$0.22
2014Detailed filing. Detailed filing data is available for this year.$22.0$0.88$21.1$6.30$5.51$0.79
2013Facts available. Structured filing facts are available, but richer extracted sections are limited.$20.0$1.06$18.9$5.32
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$18.1$1.12$17.0$5.06
2011Summary only. Only limited summary data is available for this year.$17.0$0.58$16.4$5.74$4.86$0.88
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jul 1, 2024 to Jun 30, 2025
Signed
Dec 19, 2025
Return Version
2024v5.2
Gross Receipts
$13,321,582
Mission and Program Overview

Mission

Education of grades pre-school through eighth grade.

Balance Sheet Detail
LineBeginningEndChange
Assets
Investments in Publicly Traded Securities$19,761,507$21,766,928▲ $2,005,421
Land, Buildings, and Equipment, Net$10,902,303$11,466,243▲ $563,940
Pledges and Grants Receivable$723,319$1,562,242▲ $838,923
Savings and Temporary Cash Investments$1,347,071$1,467,237▲ $120,166
Prepaid Expenses and Deferred Charges$259,472$219,319▼ $40,153
Accounts Receivable$58,231$7,030▼ $51,201
Total Assets$33,097,931$36,521,964▲ $3,424,033
Other Assets Total$46,028$32,965▼ $13,063
Liabilities
Deferred Revenue$1,608,802$1,705,413▲ $96,611
Accounts Payable and Accrued Expenses$744,989$711,468▼ $33,521
Other Liabilities$46,028$32,965▼ $13,063
Total Liabilities$2,399,819$2,449,846▲ $50,027
Net Assets / Fund Balance
Net Assets Without Donor Restrictions$25,460,993$27,371,453▲ $1,910,460
Net Assets With Donor Restrictions$5,237,119$6,700,665▲ $1,463,546
Total Net Assets Fund Balance$30,698,112$34,072,118▲ $3,374,006
Total Liabilities and Net Assets / Fund Balance$33,097,931$36,521,964▲ $3,424,033

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$9,100,910$7,950,946$17,051,856
Equipment$428,423$3,936,392$4,364,815
Other Land Buildings$1,144,021$1,034,360$2,178,381
Land$792,889-$792,889

Endowment Activity

PeriodBeginningContrib.Gain/LossOther UsesEnd
2024$18,046,077$1,601,247▲ $2,263,868$1,284,472$20,626,720
2023$18,194,787$1,052,135▲ $1,810,915$3,011,760$18,046,077
2022$16,490,597$553,783▲ $1,981,155$830,748$18,194,787
2021$19,566,495$85,160▼ $2,506,608$654,450$16,490,597
2020$17,095,410$1,607,243▲ $3,921,761$3,057,919$19,566,495
Compensation and Service Providers
Top Officer Pay56th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Dr Derick SmithHead of SchoolFT$256,605$32,622$289,227
Keryn EngelhardCFOFT$163,659$24,161$187,820
Cathy AbramsAssistant Head of SchoolFT$140,648$22,279$162,927
Anita BensonDirector of CounselingFT$128,879$21,303$150,182
Michael MahadyDirector of AdmissionsFT$120,939$20,738$141,677
Casey WilsonDirector of DevelopmentFT$115,451$20,321$135,772
Bryan CookTeacherFT$106,666$19,648$126,314

Board Members and Trustees

NameTitle
Thomas GlanfieldPresident
Carly BellisVice President
Charles Hagy JrTrustee
Denise BurnsTrustee
Karen SweetappleTrustee
Kathy FazioTrustee
Kathy FongTrustee
Katie OrthweinTrustee
Kirk KonertTrustee
Marc JulienTrustee
Mitch SinbergTrustee
Rashmi KarTrustee
Thomas M StanleyTrustee
Alexis RudisillSecretary
John BackerTreasurer

Highest Paid Contractors

ContractorServicesLocationCompensation
Flik International GroupFood Services2400 YORKMONT ROAD, Charlotte, NC 28217$501,040
Newport Construction INCConstruction Services3421 SW 38TH STREET, West Park, FL 33023$279,443
Handle Refrigeration LLCA/c4128 WESTROADS DR UNIT 207, West Palm Beach, FL 33407$231,569
Ltg Sports Turf OneLandscaping105 SWEENEYDALE AVENUE, Bayshore, NY 11706$180,408
Campbell CreativeFurniture103 NE 4TH STREET, Delray Beach, FL 33444$137,830
Revenue and Support

Revenue Composition

Contributions and Grants
$2,362,894
Program Service Revenue
$10,709,513
Investment Income
$121,164
Other Revenue
$32,882
All Other Contributions
$2,306,244
Change in Net Assets
$1,050,130

Audited Revenue Reconciliation

Revenue per Audited Statements
$12,446,675
Revenue Not Reported on Financial Statements
$779,778
Revenue Not Reported on Form 990
$2,419,005
Other Revenue Adjustments
$719,745
Total Revenue per Audited Statements
$14,865,680
Total Revenue per Form 990
$13,226,453
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Salaries, Compensation, and Employee Benefits$7,400,474
Other Expenses$4,056,104
Grants and Similar Amounts Paid$719,745
Total Fundraising Expense$341,525
Professional Fundraising Fees$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages$3,748,797$1,610,862-$5,359,659
Other Employee Benefits$550,943$236,741-$787,684
Grants to Domestic Individuals$719,745--$719,745
Depreciation Depletion$478,456$218,120$7,036$703,612
Office Expenses$385,222$88,881$86,519$560,622
Occupancy$68,135$491,934-$560,069
Current Officers, Directors, Trustees, and Key Employees$317,997$136,644-$454,641
Insurance$288,194$131,383$4,238$423,815
Payroll Taxes$295,812$127,110-$422,922
Pension Plan Contributions$262,690$112,878-$375,568
All Other Expenses$206,983$47,756$46,486$301,225
Information Technology$151,838$35,033$34,102$220,973
Other Expenses$178,210$91,704$40,025$91,704
Advertising$41,635$9,606$9,351$60,592
Fees for Service Investment Mgmnt Fees-$60,033-$60,033
Fees for Services Accounting-$57,122-$57,122
Fees for Services Legal-$19,802-$19,802
Conferences and Meetings$801$185$180$1,166
Total Functional Expenses$8,201,199$3,633,599$341,525$12,176,323

Audited Expense Reconciliation

Line ItemAmount
Total Expenses per Form 990$12,176,323
Total Expenses per Audited Statements$11,491,674
Expenses per Audited Statements$11,396,545
Expenses Not Reported on Financial Statements$779,778
Other Expense Adjustments$719,745
Expenses Not Reported on Form 990$95,129
Fundraising, Events, and Gaming
Fundraising activities
Yes
Gaming activities
No
Professional fundraiser used
No

Fundraising and Gaming Totals

Line ItemAmount
Fundraising Gross Income$109,392
Fundraising Direct Expenses$46,669
Professional Fundraising Fees$0

Fundraising Events

EventGross ReceiptsGross RevenueDirect ExpensesNet Income
Golf & Tennis$166,042$109,392$46,669$62,723
Total Events$166,042$109,392$46,669$62,723
Political and Lobbying Activity
Political campaign activity
No
Lobbying activity
No
Subject to proxy tax
No
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Lease Liabilities - Current$27,788
Lease Liabilities - Long Term$5,177
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
Yes
Audit committee
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
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 B, Line 11B

“A copy of the return has been provided to the board.”

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

“All board of trustee members sign the conflict of interest policy. The conflict of interest policy requires members who have a conflict to disclose it to the other members and abstain from voting on the item in which they have a conflict.”

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

“The executive committee of the board of trustees negotiates the head of schools original contract. The board of trustees uses statistical information from nais to help determine the head of schools compensation.”

Form 990, Part VI, Section C, Line 19

“Made available to the public upon written request.”

Filing and Contact Details

Filer

Filer Name
Gulf Stream School Inc
EIN
59-0977808
Phone
5612765225
Address
3600 GULF STREAM ROAD, GULF STREAM, FL 33483

Signing Officer

Name
Keryn Engelhard
Title
Chief Financial Officer
Phone
5612765225
Signed
2025-12-19
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Keryn Engelhard
Formed
1971
Legal Domicile
Fl
Voting Board Members
15
Independent Board Members
15
Employees
109
Volunteers
105

Preparer

Firm
Templeton & Company Llp
Address
222 LAKEVIEW AVENUE SUITE 1200, WEST PALM BEACH, FL 33401
Preparer
John Chenoweth
Phone
5617989988
Supplemental Narrative

Additional Explanations

FORM 990, PART XII, LINE 2C:

“The school's oversight policy has not changed.”

Financial Statement Notes

PART V, LINE 4:

“The purpose of the endowment is to assist the school in maintaining financial stability by creating a potential ongoing source of income. Funds may be designated for endowment by donors or by the board of trustees. The endowment supports many programs within the school including financial aid, faculty compensation and chairs, faculty development, student programs, facility maintenance and for any other purpose designated by the donor or by the board of trustees.”

PART X, LINE 2:

“The school is recognized as exempt from federal income tax under the provisions of section 501(c)(3) of the internal revenue code (irc). Accordingly, no provision for income taxes has been recorded in the financial statements. The school is required to operate in conformity with the provisions of the irc to maintain its exempt status. Management analyzes tax positions in jurisdictions where it is required to file income tax returns. Based on its evaluation, management did not identify any tax positions for which it is reasonably possible that the total amounts of unrecognized tax benefits will significantly increase or decrease. Interest and penalties attributable to income taxes, if any, are included in operating expenses. No such interest or penalties were recorded for the years 2025 or 2024. The school is no longer subject to income tax examinations for fiscal years prior to 2022.”

PART XI, LINE 2D - OTHER ADJUSTMENTS:

“Fundraising expense 46,669. Rental expenses - line 6b 48,460.”

PART XI, LINE 4B - OTHER ADJUSTMENTS:

“Financial aid/tuition remissions 719,745.”

PART XII, LINE 2D - OTHER ADJUSTMENTS:

“Rental expenses - line 6b 48,460. Fundraising expenses 46,669.”

PART XII, LINE 4B - OTHER ADJUSTMENTS:

“Financial aid/tuition remissions 719,745.”

Raw XML AppendixShowing 400 of 748 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.

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