4C Health
Legal name: Four County Comprehensive Mental Health Center Inc
Nonprofit profile at a glance
- EIN
- 351362298
- IRS 990 coverage
- 2009–2024
- Official website data refreshed
- Sep 2026
- Forms available
- Form 990 2024
- Location
- Peru, IN, US
- Phone
- (800) 552-3106
- Rating
- 75
- Verdict
- SUPPORTED
- Rating confidence
- Moderate
- Sector
- Mental Health Treatment F31 Psychiatric, Mental Health Hospital
Reported finances
- Revenue
- $46,011,357
- Expenses
- $38,071,805
- Assets
- $68,515,422
- Liabilities
- $3,284,857
Source: IRS Form 990. Selected filing: tax year 2024. Amounts in USD.
Leadership & pay
23 people listed
Executive titles in this filing
- DEAN MCCURDY (PRESIDENT (END 1/2025))
- KEITH KOLB (PRESIDENT)
- LYNNE NESS (PRESIDENT ELECT)
- CARRIE CADWELL (CEO)
Highest reported compensation
- KATHLEEN MILLER (CHIEF MEDICAL OFFICER): $498,753 total reported compensation
- JASON CADWELL (CFO/CAO): $435,811 total reported compensation
- CARRIE CADWELL (CEO): $415,322 total reported compensation
Source: IRS Form 990. Selected filing: tax year 2024. Names and roles reflect this filing, not necessarily current officeholders.
Overview
Mission
Supporting ALL Hoosier well-being through high quality, whole health care that is compassionate, collaborative, and competent
What it reported doing in 2024
The center provides comprehensive mental health services to the residents of cass, fulton, miami, pulaski, howard, tipton, & white counties on both an inpatient and outpatient basis. Care is provided to patients who meet certain criteria under its charity care policy at amounts less than its established rates. Because the center does not pursue collection of amounts determined to qualify as charity care, these amounts are not reported as net service revenue. The amount of charges forgone for services and supplies furnished under the center's charity care policy is $67,099 in 2025. The amount includes reductions in fees based on the client's ability to pay and client services performed free of charge. Please contact the community relations department for additional details related to the center's exempt purpose.the med clinic assists in maintaining outpatient clients psychiatric symptoms with the lowest possible dose of medication and the least amount of side effects while obtaining an optimal level of functioning. All outpatient candidates for medication intervention will be evaluated per staff psychiatrist/apn and encouraged to follow all treatment recommendations as prescribed with the assistance of the medication clinic rn.
Operating model
- Revenue model
- Earned-program. 88% of the money available for current operations came from fees and other program revenue.
- Distribution model
- Direct operator. The filing allocates 100% of reported program-service expenses outside its grant, affiliate-payment, and member-benefit lines. This expense classification does not rule out separately announced grant awards.
The verdict
SUPPORTED - A large share of available resources goes toward mission work and the filed numbers largely add up. Some filing-based governance responses are negative or unanswered and total assets are small relative to annual expenses; liquid coverage is unknown.
Rating breakdown
- Financial Efficiency: 61
- Transparency & Controls: 76
- Accountability: 95
- Sustainability: 67
- Growth: 100
Detailed rating inputs
Financial Efficiency
- Mission deployment rate: 62.6%; rating input score 63
- Program expense ratio: 78.2%; rating input score 78
- Fundraising efficiency: Limited
Transparency & Controls
- Consistency checks: 93.3%; rating input score 93; 14th percentile among comparable filings
- Pay-setting controls: 2 of 6 controls in place; rating input score 33
- Compensation committee: Missing
- Independent consultant: Missing
- Other Form 990s reviewed: Missing
- Written employment contract: Missing
- Compensation survey or study: Pass
- Board or committee approval: Pass
- Foreign activity oversight: Limited
- Grant itemization coverage: 96%; rating input score 96; 25th percentile among comparable filings
- Major donor itemization: Yes; rating input score 100
- Related-party transparency: Limited
Accountability
- Independent voting board: 100%; rating input score 100; 66th percentile among comparable filings
- Governance controls: 8 of 9 controls in place; rating input score 89
- Conflict-of-interest policy: Pass
- Whistleblower policy: Pass
- Document-retention policy: Pass
- CEO compensation review process: Pass
- Other executive compensation review process: Pass
- Form 990 shared with the board: Fail
- Board meeting minutes documented: Pass
- Audit committee oversight: Pass
- Independent financial-statement audit: Pass
Sustainability
- Operating margin: 17.3%; rating input score 79; 79th percentile among comparable filings
- Total-asset coverage ratio: 1.8; rating input score 58; 58th percentile among comparable filings
- Liabilities to assets ratio: 0.05; rating input score 83; 83rd percentile among comparable filings
- Officer compensation ratio: 8.7%; rating input score 26; 26th percentile among comparable filings
Growth
- Program expense growth: 7.1% per year; rating input score 100; 56th percentile among comparable filings
- Revenue growth: 7.5% per year; rating input score 100; 62nd percentile among comparable filings
- Asset growth: 14.2% per year; rating input score 100; 79th percentile among comparable filings
Details
- What they do: 3 programs and campaigns described on the official site · 6 operating locations identified
- Where the money goes: 62.6% of revenue deployed · 78.2% of spending went to programs
- Governance: 8 of 8 board members independent · 8 of 9 filing controls reported
- Programs: 1 filed program accomplishment · $29.8M in reported program spending
- Leadership: top reported pay $499K · 23 people listed · 2 of 6 pay-setting controls reported
- Highest-paid contractors: 2 contractors listed · $279K reported
- Consistency: 33 of 34 current checks pass · 1 finding to review
- Schedules: 7 filed schedules · includes major donors, grants, and executive pay
- Filing history: 16 filing years from 2009 to 2024
- Contacts: How to reach this organization
- Money network: 12 filed money-flow records
- 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.
- Staff and benefit plans: Retirement and health plans the organization files with the Department of Labor, and the people in them.
Key Signals
Signals prioritize questions for review. They are not findings of misconduct.
- Review — Accountability: Governance controls: Form 990 shared with the board not reported.
- Review — Sustainability: Total-asset coverage ratio scored 58/100.
- High — Sustainability: Officer compensation ratio scored 26/100.
- Review — Transparency & Controls: Domestic grant itemization did not reconcile in the filed values.