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Reformed Benefits Association

Grand Rapids, MI · EIN 46-2975745 · 501(c)(3) · Supporting organization, Type I
Latest filing: Form 990 for calendar year 2025 (tax year 2025) · View the filing · Correct or respond

Reformed Benefits Association reported $14.0 million in revenue and $14.4 million in expenses for calendar year 2025. Of every $100 it spent, $94.88 went to program services, $5.12 to management and general costs and $0.00 to fundraising. Its largest source of revenue was program service revenue such as fees, sales and contracts: 99.4% of the total. The highest compensation it reported for one person was $170,763 (Board Member). 1 person received more than $100,000 in reportable compensation. Revenue fell 21% between 2019 and 2025. Source: Form 990, 2025.

Where $100 of spending went

Calendar year 2025 · Form 990, Part IX, line 25 · total expenses $14M

For context, the median across 5,634 covered health care charities: $86.19 programs, $13.81 management, $0.00 fundraising (medians computed separately, so they may not sum to $100).

Where $100 of revenue came from

Calendar year 2025 · Form 990, Part VIII · total revenue $14M

The 990 scorecard · same measures for every charity, no grades

2025 filing. Median across 5,634 covered charities in this category, from their latest filings.
Measure2025Median
Program services
Part IX 25(B) ÷ 25(A)
94.9%85.6%
Management & general
Part IX 25(C) ÷ 25(A)
5.1%13.7%
Fundraising
Part IX 25(D) ÷ 25(A)
0.0%0.0%
Fundraising cost per $1 of contributions
Part IX 25(D) ÷ Part VIII 1h
Not reported$0.00
Contributions & grants share of revenue
Part VIII 1h ÷ 12
0.0%1.3%
Government grants share of revenue
Part VIII 1e ÷ 12
0.0%0.1%
Program service revenue share
Part VIII 2g ÷ 12
99.4%93.7%
Highest reported compensation
Part VII-A, columns D–F
$170,763$975,831
Highest compensation as share of expenses
Part VII-A ÷ Part IX 25(A)
1.18%1.34%
People paid over $100,000
Part VII, line 2
127
Net assets, in months of expenses
Part X 33(B) ÷ monthly expenses
5.36.6
Independent voting board members
Part VI 1a–1b
8 of 888.9%

A median is context, not a target: hospitals, universities, food banks and grantmakers spend in very different ways. What these measures can and can't tell you.

What the money paid for, in its own words

2025 · Form 990, Part III · the three largest programs by expense
$14M expenses · 100.0% of program spending · revenue $14M

Management and Administration services of health and welfare benefit plans for employees of its members and other eligible participating organizations

Highest reported compensation

2025 · Form 990, Part VII, Section A · roles as filed; names are in the filing, not here
RoleFrom this orgFrom related orgsOtherTotal
Board Member
Director/trustee, 4 hrs/week
$0$123,228$47,535$170,763
Director
Officer, 40 hrs/week
$105,881$0$47,486$153,367

1 people received more than $100,000 in reportable compensation from Reformed Benefits Association (Part VII, line 2). Compensation of current officers, directors and key employees totaled $173K (Part IX, line 5).

7 years of filings

Form 990, Parts I, VII, IX and X · each row is that year's own filing, linked
FilingRevenueExpensesProgramsNet assetsTop pay
2025 ⓘ$14M$14M94.9%$6.4M$170,763
2024 ⓘ$13M$14M95.0%$6.8M$171,001
2023 ⓘ$14M$13M94.6%$7.9M$163,992
2022 ⓘ$15M$15M96.5%$7.6M$149,972
2021 ⓘ$15M$14M96.0%$7.8M$211,062
2020 ⓘ$16M$16M96.2%$7.1M$208,251
2019 ⓘ$18M$14M95.6%$6.4M$201,278

Governance answers, as filed

2025 · the organization's own yes/no answers; explanations, if any, are in Schedule O of the filing · what each means
  • Voting board members, and how many are independent Part VI, lines 1a–1b8 · 8 independent
  • Audited financial statements Part XII 2bYes
  • Conflict-of-interest policy Part VI 12aYes
  • Whistleblower policy Part VI 13Yes
  • Document retention policy Part VI 14Yes
  • Independent process for top executive pay Part VI 15aYes
  • Board given the 990 before filing Part VI 11aYes
  • Family or business ties among insiders Part VI 2No
  • Aware of a significant diversion of assets Part VI 5No
  • Excess benefit transaction with an insider Part IV 25aNo
  • Loans to or from insiders outstanding Part IV 26No
  • Lobbying, or a 501(h) election in effect Part IV 4No
  • Over $15,000 of professional fundraising services Part IV 18No
  • Over $10,000 of activity outside the U.S. Part IV 14bNo
  • Employees Part I, line 54

Correct a figure or respond

Every number above is copied from Reformed Benefits Association's own Form 990. If one doesn't match the filing, that's our error and we'll fix it. If you work for Reformed Benefits Association, you can publish a response that is linked from this page.

Questions people ask

How much of Reformed Benefits Association's spending goes to programs?

In calendar year 2025, Reformed Benefits Association reported that 94.9% of its $14.4 million in expenses went to program services, 5.1% to management and general and 0.0% to fundraising (Form 990, Part IX).

How much does Reformed Benefits Association pay its top executive?

The largest total compensation Reformed Benefits Association reported for one person in calendar year 2025 was $170,763, for the role of Board Member (Form 990, Part VII, including compensation from related organizations and other compensation).

Where does Reformed Benefits Association get its money?

Of $14.0 million in revenue in calendar year 2025, 0.0% came from contributions and grants and 99.4% from program service revenue (Form 990, Part VIII).

Is Reformed Benefits Association a registered charity?

The IRS lists EIN 46-2975745 as a 501(c)(3) organization (supporting organization, type i), and its records show contributions as tax-deductible. Form 990 filings on record here cover tax years 2019, 2020, 2021, 2022, 2023, 2024, 2025. A filing shows what the organization reported; it doesn't by itself show whether a program works.

Sources

  • 2025: Form 990 for calendar year 2025, object 202612389349301141 · read the filing
  • 2024: Form 990 for calendar year 2024, object 202522939349300722 · read the filing
  • 2023: Form 990 for calendar year 2023, object 202432979349301458 · read the filing
  • 2022: Form 990 for calendar year 2022, object 202332849349301788 · read the filing
  • 2021: Form 990 for calendar year 2021, object 202233019349301313 · read the filing
  • 2020: Form 990 for calendar year 2020, object 202132939349300428 · read the filing
  • 2019: Form 990 for calendar year 2019, object 202033189349313563 · read the filing

All filings for EIN 46-2975745: ProPublica Nonprofit Explorer · IRS Tax Exempt Organization Search. Figures are as the organization reported them; we have not audited them.