Concordia Plan Services

Legal name: Concordia Health Plan

Nonprofit profile at a glance

EIN
436062857
IRS 990 coverage
2010–2025
Official website data refreshed
Sep 2026
Forms available
Form 990 2025
Location
St. Louis, MO, United States
Phone
888-927-7526
Rating
89
Verdict
STRONG
Rating confidence
Moderate

Official website

Reported finances

Revenue
$278,771,265
Expenses
$296,372,221
Assets
$220,245,647
Liabilities
$45,284,453

Source: IRS Form 990. Selected filing: tax year 2025. Amounts in USD.

Leadership & pay

17 people listed

People named in this filing

  • Scott Seefeld (Chairman of the Board and Trustee)
  • Jon Boeche (Trustee)
  • Jason Burk (Trustee)

Selected names, not a complete roster or a statement of current roles. Open leadership details for the complete filed list.

Source: IRS Form 990. Selected filing: tax year 2025. Names and roles reflect this filing, not necessarily current officeholders.

Overview

Mission

Concordia Plan Services provides health, retirement, and disability/survivor benefits and related business/wellness solutions to support LCMS ministries, so ministry leaders can focus on spreading the Word of God. Concordia Plans Services offers quality health, financial wellness and business solutions so you can concentrate on your service in His name. We bring the LCMS community together so you can benefit from collective negotiating that allows for greater benefits at lower costs and new opportunities for your ministry and your workers. Although our mission remains the same, we’re improving how we serve you to support the changing needs of your ministry. As a non—profit organization, we have your best interests at the heart of the decisions we make. We can do more together.

What it reported doing in 2025

Healthcare delivery: Provided dental coverage totaling $17,255,594. Other program expenses: Investment and custodian fees $221,950; External claim services $16,821,171; Healthcare cost containment services $3,701,005; Net benefits & refunds $24,306; Management fees $17,431,971; Insurance premiums $2,571,430; Benefit related legal expense $6,276; Health & wellness publications/communications $98,439; Miscellaneous $1,540,907

Operating model

Revenue model
Other-operating. 100% of the money available for current operations came from other operating revenue.
Distribution model
Member-benefit provider. The nonprofit used 86% of its reported program spending for member benefits.

The verdict

STRONG - A large share of available resources goes toward mission work and the filed numbers largely add up. Expenses are high relative to revenue and total assets are small relative to annual expenses; liquid coverage is unknown.

Rating breakdown

  • Financial Efficiency: 89
  • Transparency & Controls: 90
  • Accountability: 100
  • Sustainability: 28
  • Growth: 100

Detailed rating inputs

Financial Efficiency

  • Mission deployment rate: 100%; rating input score 100
  • Program expense ratio: 100%; rating input score 100
  • Fundraising efficiency: Limited

Transparency & Controls

  • Consistency checks: 100%; rating input score 100; 66th percentile among comparable filings
  • Pay-setting controls: Limited
  • Foreign activity oversight: Limited
  • Grant itemization coverage: Limited
  • Major donor itemization: Limited
  • Related-party transparency: Limited

Accountability

  • Independent voting board: 100%; rating input score 100; 65th percentile among comparable filings
  • Governance controls: 7 of 7 controls in place; rating input score 100
    • Conflict-of-interest policy: Pass
    • Whistleblower policy: Pass
    • Document-retention policy: Pass
    • CEO compensation review process: NotApplicable
    • Other executive compensation review process: NotApplicable
    • Form 990 shared with the board: Pass
    • Board meeting minutes documented: Pass
    • Audit committee oversight: Pass
    • Independent financial-statement audit: Pass

Sustainability

  • Operating margin: -6.3%; rating input score 5; 5th percentile among comparable filings
  • Total-asset coverage ratio: 0.74; rating input score 22; 22nd percentile among comparable filings
  • Liabilities to assets ratio: 0.21; rating input score 66; 66th percentile among comparable filings
  • Officer compensation ratio: 0%; rating input score 97; 97th percentile among comparable filings

Growth

  • Program expense growth: 1.2% per year; rating input score 100; 15th percentile among comparable filings
  • Revenue growth: 1.4% per year; rating input score 100; 9th percentile among comparable filings
  • Asset growth: 2.5% per year; rating input score 100; 14th percentile among comparable filings

Details

  • What they do: Mission, programs, and operating context captured from the official website.
  • Where the money goes: 100% of revenue deployed · 100% of spending went to programs
  • Governance: 15 of 15 board members independent · 7 of 7 filing controls reported
  • Programs: 4 filed program accomplishments · $296.4M in reported program spending
  • Leadership: top reported pay $0 · 17 people listed
  • Consistency: 19 of 19 current checks pass
  • Schedules: 3 filed schedules
  • Filing history: 16 filing years from 2010 to 2025
  • Contacts: How to reach this organization
  • Related organizations: 3 filed related-organization links
  • Grant readiness: Federal tax and exclusion status, award history, and grant-maker relationships.
  • People: Everyone the filings name, and which of them the filings identify by more than a name.

Key Signals

Signals prioritize questions for review. They are not findings of misconduct.

  • High — Sustainability: Operating margin scored 5/100.
  • High — Sustainability: Total-asset coverage ratio scored 22/100.