Civic Intelligence

Christian Schools Retirement Investment Consortium

EIN 83-4211451 • 501(c)3 • Grandville, MI

Profile

The corporation is formed for charitable purposes within the meaning of section 501(c)(3) of the internal revenue code as a supporting organization to existing and potentially future nonprofit corporations, all of which are exempt from federal taxation under section 501(c)(3) of the internal revenue code. More specifically, the corporation is formed for its members to, collectively, negotiate and enter into service agreements with: (1) third-party administrators for the provision of recordkeeping and other administrative services with respect to tax-sheltered annutiy contracts and/or custodial accounts under section 403(b) of the internal revenue code maintained by the members (collectively, "403(b) plans"); (2) investment providers for the provision of various investment options to be offered under the 403(b) plans; (3) registered investment advisors for the provision of advisory services regarding the investment options offered under the 403(b) plans; and (4) with any other parties n

3750 Ivanrest SWGrandville, MI 49418

n/A

Siviq Scores

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

Liabilities / Assets

Score unavailable

No value available

Liabilities-to-assets requires both liabilities and assets on the latest valid filing.

Source year 2025

Liabilities / Revenue

Score unavailable

No value available

Liabilities-to-revenue requires both liabilities and revenue on the latest valid filing.

Source year 2025

Net Margin

19th percentile

-30%

Higher net margin than 19% of similar nonprofits.

501(c)3 • <$500k nonprofits • Source year 2025

Top Officer Pay

81st percentile

$0

Higher top officer pay than 81% of similar nonprofits.

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

501(c)3 • <$500k nonprofits • Source year 2025

Asset Growth

22nd percentile

-42%

Faster asset growth than 22% of similar nonprofits.

501(c)3 • <$500k nonprofits • Annualized from 2024 to 2025

Revenue Growth

67th percentile

14%

Faster revenue growth than 67% of similar nonprofits.

501(c)3 • <$500k nonprofits • Annualized from 2024 to 2025

Assets

Down

$11,345

Down $8,144 (-42%) from 2024

Liabilities

-

No earlier filing loaded for comparison.

Net Assets

Down

$11,345

Down $8,144 (-42%) from 2024

Revenue

Up

$27,438

Up $3,376 (+14%) from 2024

Expenses

Up

$35,581

Up $17,922 (+101%) from 2024

Net Income

Down

-$8,143

Down $14,546 (-227%) from 2024

Trend Graphs

Balance Sheet Trend

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

$20K$15K$10K$5.0K$0Assets 2019: $4,492Net Assets 2019: $4,4922019Assets 2020: $15,035Net Assets 2020: $15,0352020Assets 2021: $12,372Net Assets 2021: $12,3722021Assets 2022: $11,751Net Assets 2022: $11,7512022Assets 2023: $13,086Net Assets 2023: $13,0862023Assets 2024: $19,489Net Assets 2024: $19,4892024Assets 2025: $11,345Net Assets 2025: $11,3452025

Highlighted filing

2025

Assets$11,345
Liabilities-
Net Assets$11,345

Operations Trend

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

$150K$100K$50K$0-$50KRevenue 2019: $109,251Expenses 2019: $104,759Net Income 2019: $4,4922019Revenue 2020: $22,500Expenses 2020: $11,957Net Income 2020: $10,5432020Revenue 2021: $22,500Expenses 2021: $25,163Net Income 2021: -$2,6632021Revenue 2022: $22,500Expenses 2022: $23,121Net Income 2022: -$6212022Revenue 2023: $23,000Expenses 2023: $21,665Net Income 2023: $1,3352023Revenue 2024: $24,062Expenses 2024: $17,659Net Income 2024: $6,4032024Revenue 2025: $27,438Expenses 2025: $35,581Net Income 2025: -$8,1432025

Highlighted filing

2025

Revenue$27,438
Expenses$35,581
Net Income-$8,143

Filings

Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2025 to Dec 31, 2025
Signed
Jan 15, 2026
Return Version
2025v4.0
Gross Receipts
$27,438
Mission and Program Overview

Mission

The corporation is formed for charitable purposes within the meaning of section 501(c)(3) of the internal revenue code as a supporting organization to existing and potentially future nonprofit corporations, all of which are exempt from federal taxation under section 501(c)(3) of the internal revenue code. More specifically, the corporation is formed for its members to, collectively, negotiate and enter into service agreements with: (1) third-party administrators for the provision of recordkeeping and other administrative services with respect to tax-sheltered annutiy contracts and/or custodial accounts under section 403(b) of the internal revenue code maintained by the members (collectively, "403(b) plans"); (2) investment providers for the provision of various investment options to be offered under the 403(b) plans; (3) registered investment advisors for the provision of advisory services regarding the investment options offered under the 403(b) plans; and (4) with any other parties n

Program Services

DescriptionGrantsExpenses
ENTERED INTO SERVICE AGREEMENTS WITH THIRD-PARTY ADMINISTRATORS TO HELP PROVIDE RECORD KEEPING FOR THEIR TAX SHELTERED ANNUTIY CONTRACTS AND/OR CUSTODIAL ACCOUNTS UNDER SECTION 403(B) PLANS AS WELL AS INVESTMENT PROVIDERS. THERE ARE CURRENTLY 15 MEMBER SCHOOLS UTILIZING THE SERVICES.-$35,581
Compensation and Service Providers

Employees

NameTitleFull / Part TimeBaseOtherTotal
MARK STUITPresident-$0--
LINDA KNAPPERDirector-$0--
AARON VANECKDirector-$0--
CHAD GROGGELSecretary-$0--
BECKI BYKERKTreasurer-$0--
Filing and Contact Details

Filer

Filer Name
Christian Schools Retirement
EIN
83-4211451
Phone
6165380990
Address
3750 IVANREST SW, GRANDVILLE, MI 49418

Signing Officer

Name
Chad Groggel
Title
Secretary
Phone
6165380990
Signed
2026-01-15
Discuss with paid preparer
Yes

Preparer

Firm
The CPA Group Pc
Address
4267 CANAL AVE SW, GRANDVILLE, MI 49418
Preparer
Chad Groggel CPA
Phone
6165380460
Supplemental Narrative

Additional Explanations

Form 990-ez, Page 1, Item B

Changing address on the previously filed form 990.

Form 990-ez, Part I, Line 16

Expenses office 665 insurance 11,501 registration fees 20 professional fees 220 total 12,406

Form 990-ez, Part III

The corporation is formed for charitable purposes within the meaning of section 501(c)(3) of the internal revenue code as a supporting organization to existing and potentially future nonprofit corporations, all of which are exempt from federal taxation under section 501(c)(3) of the internal revenue code. More specifically, the corporation is formed for its members to, collectively, negotiate and enter into service agreements with: (1) third-party administrators for the provision of recordkeeping and other administrative services with respect to tax-sheltered annutiy contracts and/or custodial accounts under section 403(b) of the internal revenue code maintained by the members (collectively, "403(b) plans"); (2) investment providers for the provision of various investment options to be offered under the 403(b) plans; (3) registered investment advisors for the provision of advisory services regarding the investment options offered under the 403(b) plans; and (4) with any other parties necessary to provide services (e.g., attorney, accountant, etc.) necessary for the proper establishment, maintenance and, if necessary, termination of the 403(b) plans.

Form 990-ez, Part III, Line 28

Entered into service agreements with third-party administrators to help provide record keeping for their tax sheltered annutiy contracts and/or custodial accounts under section 403(b) plans as well as investment providers. There are currently 15 member schools utilizing the services.

Raw XML Appendix256 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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IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0CHANGING ADDRESS ON THE PREVIOUSLY FILED FORM 990.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1EXPENSES OFFICE 665 INSURANCE 11,501 REGISTRATION FEES 20 PROFESSIONAL FEES 220 TOTAL 12,406
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2THE CORPORATION IS FORMED FOR CHARITABLE PURPOSES WITHIN THE MEANING OF SECTION 501(C)(3) OF THE INTERNAL REVENUE CODE AS A SUPPORTING ORGANIZATION TO EXISTING AND POTENTIALLY FUTURE NONPROFIT CORPORATIONS, ALL OF WHICH ARE EXEMPT FROM FEDERAL TAXATION UNDER SECTION 501(C)(3) OF THE INTERNAL REVENUE CODE. MORE SPECIFICALLY, THE CORPORATION IS FORMED FOR ITS MEMBERS TO, COLLECTIVELY, NEGOTIATE AND ENTER INTO SERVICE AGREEMENTS WITH: (1) THIRD-PARTY ADMINISTRATORS FOR THE PROVISION OF RECORDKEEPING AND OTHER ADMINISTRATIVE SERVICES WITH RESPECT TO TAX-SHELTERED ANNUTIY CONTRACTS AND/OR CUSTODIAL ACCOUNTS UNDER SECTION 403(B) OF THE INTERNAL REVENUE CODE MAINTAINED BY THE MEMBERS (COLLECTIVELY, "403(B) PLANS"); (2) INVESTMENT PROVIDERS FOR THE PROVISION OF VARIOUS INVESTMENT OPTIONS TO BE OFFERED UNDER THE 403(B) PLANS; (3) REGISTERED INVESTMENT ADVISORS FOR THE PROVISION OF ADVISORY SERVICES REGARDING THE INVESTMENT OPTIONS OFFERED UNDER THE 403(B) PLANS; AND (4) WITH ANY OTHER PARTIES NECESSARY TO PROVIDE SERVICES (E.G., ATTORNEY, ACCOUNTANT, ETC.) NECESSARY FOR THE PROPER ESTABLISHMENT, MAINTENANCE AND, IF NECESSARY, TERMINATION OF THE 403(B) PLANS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3ENTERED INTO SERVICE AGREEMENTS WITH THIRD-PARTY ADMINISTRATORS TO HELP PROVIDE RECORD KEEPING FOR THEIR TAX SHELTERED ANNUTIY CONTRACTS AND/OR CUSTODIAL ACCOUNTS UNDER SECTION 403(B) PLANS AS WELL AS INVESTMENT PROVIDERS. THERE ARE CURRENTLY 15 MEMBER SCHOOLS UTILIZING THE SERVICES.
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0FORM 990-EZ, PAGE 1, ITEM B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1FORM 990-EZ, PART I, LINE 16
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2FORM 990-EZ, PART III
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3FORM 990-EZ, PART III, LINE 28
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ReturnHeader/ReturnTs02026-01-22T15:08:59-05:00
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ReturnHeader/TaxPeriodBeginDt02025-01-01
ReturnHeader/TaxPeriodEndDt02025-12-31
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