2026-08-07T16:34:42-05:00 2025-12-31 341874260 CBIZ ADVISORS LLC 700 WEST 47TH STREET SUITE 1100 KANSAS CITY MO 64112 990 2025-01-01 416045574 FAMILYMEANS FAMI 6514394840 1875 NORTHWESTERN AVENUE SOUTH STILLWATER MN 55082 JIM KROENING PRESIDENT AND CEO 6514394840 2026-08-04 1 LISA BURKE P00220718 8169455500 2026-08-04 2025 2025-03-06 01:10:19Z JIM KROENING 1875 NORTHWESTERN AVENUE SOUTH STILLWATER MN 55082 6613287 0 X WWW.FAMILYMEANS.ORG X 1963 MN FAMILYMEANS STRENGTHENS COMMUNITIES BY HELPING INDIVIDUALS AND FAMILIES. 15 14 67 117 0 0 2656368 2987814 2714779 3010401 281600 589681 50787 146 5703534 6588042 0 0 0 0 3595873 3819163 0 0 210251 1746857 1806889 5342730 5626052 360804 961990 16620328 18266625 441798 548186 16178530 17718439 X FAMILYMEANS STRENGTHENS COMMUNITIES BY HELPING INDIVIDUALS AND FAMILIES THROUGH CHALLENGES IN ALL LIFE STAGES. 0 0 2972948 2500531 COUNSELING AND THERAPYFAMILYMEANS IS A MN AND WI LICENSED MENTAL HEALTH CLINIC WITH OFFICES IN HUDSON, STILLWATER, ST. PAUL, AND 14 SCHOOLS IN TWO SCHOOL DISTRICTS. SERVICES INCLUDE OUTPATIENT ASSESSMENT AND COUNSELING SERVICES TO ADDRESS A WIDE VARIETY OF MENTAL HEALTH ISSUES TO ALL WHO REQUEST SERVICES, REGARDLESS OF ABILITY TO PAY. THE CENTER FOR GRIEF AND LOSS IN ST. PAUL OFFERS SPECIALIZED OUTPATIENT SERVICES FOR CLIENTS WHO HAVE EXPERIENCED COMPLICATED OR AMBIGUOUS LOSS, AND SIGNIFICANT TRAUMA. (CONTINUED ON SCHEDULE O)THE GOAL OF THE COUNSELING AND THERAPY PROGRAM IS TO HELP CLIENTS UNDERSTAND THEIR PROBLEMS AND SEE WAYS TO BEGIN SOLVING THESE PROBLEMS. INDIVIDUAL ASSESSMENTS ARE COMPLETED, AND THERAPY IS OFFERED TO CHILDREN, ADOLESCENTS, AND ADULTS TO MITIGATE ISSUES SUCH AS EMOTIONAL DISTURBANCES OF DEPRESSION OR ANXIETY, SCHOOL OR EMPLOYMENT PROBLEMS, AND OTHER PERSONAL OR RELATIONSHIP CONCERNS. FAMILY THERAPY ASSISTS GROUPS OF PEOPLE FUNCTIONING AS A FAMILY UNIT WITH ISSUES SUCH AS COMMUNICATION, CONFLICT, AND PARENTING. GROUP THERAPY IS TOPIC-SPECIFIC AND VARIABLE. SCHOOL-LOCATED COUNSELING PROGRAMS ALLOW STUDENTS TO ACCESS MENTAL HEALTH THERAPY WHILE REDUCING POTENTIAL BARRIERS SUCH AS TRANSPORTATION, FINANCIAL OR SCHEDULING CONCERNS; CHILDREN IN TRANSITION GROUPS IN ELEMENTARY SCHOOLS ARE OFFERED TO STUDENTS WHOSE PARENTS ARE DIVORCING, AS WELL AS OTHER GROUP TOPICS AS NEEDED AT EACH SCHOOL LEVEL. OUR SCHEDULING GOAL IS TO ARRANGE APPOINTMENTS WITHING 3 WEEKS OF AN INITIAL CALL FOR HELP. IN 2025, WE PROVIDED COUNSELING SERVICES TO 976 PEOPLE IN OUR STILLWATER AND HUDSON OFFICES, 359 IN ST. PAUL, AND 425 STUDENTS IN SCHOOL-BASED COUNSELING, WHILE ALSO PROVIDING 2,195 STAFF CONTACTS AND OVER 1,468 PARENT CONTACTS. 740783 54780 CAREGIVING AND AGING PROVIDING CARE TO AN OLDER ADULT OR A YOUNGER PERSON WITH SPECIAL NEEDS CAN BECOME A STRAIN FOR THE CAREGIVER EMOTIONALLY, PHYSICALLY, AND FINANCIALLY. SINCE 1986, FAMILYMEANS HAS OFFERED A VARIETY OF SERVICES TO HELP THESE UNPAID FAMILY AND FRIEND CAREGIVERS EFFECTIVELY MANAGE AND SUSTAIN THIS IMPORTANT ROLE WHILE STAYING WELL THEMSELVES. WE PROVIDE EDUCATION, COACHING AND CONSULTATIONS, INFORMATION AND REFERRAL, SUPPORT GROUPS, AND GROUP AND IN-HOME RESPITE. (CONTINUED ON SCHEDULE O)CAREGIVERS RECEIVE GUIDANCE, RESOURCE CONNECTIONS, PROFESSIONAL AND PEER SUPPORT, AND REGULAR RESPITE BREAKS THAT GIVE THEM TIME TO THEMSELVES. AS A RESULT, CAREGIVERS' STRESS AND ISOLATION DECREASE, AND THEIR COPING AND CAPABILITY INCREASE AS MEASURED BY CLIENT OUTCOME SURVEYS AND VALIDATED ASSESSMENT TOOLS. RECOGNIZING THE AGING OF OUR COMMUNITY AND THE INCREASING PREVALENCE OF DEMENTIA, WE HAVE SPECIALIZED PROGRAMMING FOCUSED ON OLDER ADULTS AND FAMILIES EXPERIENCING MEMORY LOSS. WE PROVIDE EDUCATION AND GUIDANCE TO INDIVIDUALS WHO ARE EXPLORING THE POSSIBILITIES OF THEIR OLDER YEARS, OFFER MEMORY SCREENINGS, SPECIALIZED DEMENTIA-RELATED SUPPORT GROUPS, AND MEANINGFUL OPPORTUNITIES FOR PERSONS WITH DEMENTIA TO REMAIN ENGAGED WITH THE COMMUNITY. TO WORK TOWARD LONG-TERM CHANGE, WE ENGAGE COMMUNITY PARTNERS TO PLAN AND ACT TOGETHER TO DEVELOP A MORE AGE FRIENDLY COMMUNITY. WE USE A COMBINATION OF VIRTUAL AND IN-PERSON METHODS WHEN POSSIBLE TO MAKE OUR SERVICES ACCESSIBLE AND EFFECTIVE FOR USERS IN VARIOUS CIRCUMSTANCES. IN 2025, WE PROVIDED 9,385 HOURS OF CAREGIVER SUPPORT AND AGING SERVICES FOR 2,086 PARTICIPANTS OF ALL INCOME LEVELS. 654591 455090 FINANCIAL SOLUTIONS FINANCIAL SOLUTIONS OFFERS COMPREHENSIVE SERVICES AIMED AT EMPOWERING INDIVIDUALS AND FAMILIES TO ACHIEVE FINANCIAL STABILITY. OUR OFFERINGS INCLUDE BUDGET AND DEBT COUNSELING, DEBT MANAGEMENT PROGRAMS, AND FINANCIAL EDUCATION. THROUGH ONE-ON-ONE SESSIONS WITH CERTIFIED CONSUMER CREDIT COUNSELORS, CLIENTS RECEIVE PERSONALIZED GUIDANCE ON UNDERSTANDING THEIR FINANCIAL SITUATION, EXPLORING REPAYMENT AND SAVING STRATEGIES, CREATING PRACTICAL BUDGETS, AND ESTABLISHING LONG-TERM FINANCIAL GOALS-ALL PROVIDED AT NO COST. (CONTINUED ON SCHEDULE O)FOR SOME CLIENTS, ENROLLMENT IN OUR DEBT MANAGEMENT PROGRAM ENABLES THEM TO REPAY UNSECURED DEBT WHILE SAVING SIGNIFICANT INTEREST AND FEES OVER A FIXED PERIOD. FAMILY MEANS DOES NOT PAY THEIR DEBT BUT DESIGNS A PROGRAM IN COORDINATION WITH THEIR CREDITORS THAT PROVIDES THEM WITH A MANAGEABLE PAYMENT PLAN. OUR FINANCIAL EDUCATION PROGRAMS, CONDUCTED IN VARIOUS SETTINGS FOR BOTH STUDENTS AND ADULTS, AIM TO IMPART MONEY MANAGEMENT SKILLS TO MITIGATE FINANCIAL CHALLENGES. IN 2025, WE HELPED OVER 2,300 FAMILIES THROUGH BUDGET AND DEBT COUNSELING, AND OUR DEBT MANAGEMENT CLIENTS REPAID NEARLY $5.5 MILLIONS OF THEIR UNSECURED DEBT. ADDITIONALLY, OUR FINANCIAL EDUCATION PROGRAMS AND RESOURCE FAIRS REACHED OVER 1,000 PEOPLE. 470392 YOUTH DEVELOPMENT FAMILYMEANS PROVIDES FREE, HIGH-QUALITY AFTER SCHOOL AND SUMMER PROGRAMMING FOR YOUTH AGES 5 THROUGH 18 LIVING IN THE MOBILE HOME CITY OF LANDFALL, MINNESOTA, AND THE PRIVATELY-OWNED CIMARRON MOBILE HOME COMMUNITY IN LAKE ELMO, MINNESOTA. BOTH COMMUNITIES ARE HOME TO LOW-INCOME, DIVERSE, AND AT-RISK POPULATIONS OF YOUTH WHO ARE SOCIALLY AND PHYSICALLY ISOLATED FROM SURROUNDING COMMUNITIES. EACH SITE OFFERS A CHILDREN'S PROGRAM AND A TEEN PROGRAM. THE GOAL OF THE YOUTH DEVELOPMENT INITIATIVES IS EQUIPPING YOUTH TO LEARN, THRIVE, CONNECT, AND CONTRIBUTE THROUGHOUT THEIR LIVES. PARTICIPATING YOUTH CAN EXPLORE ART, SCIENCE, MUSIC, COOKING, AND TECHNOLOGY SKILL-BUILDING IN A FREE-CHOICE, DROP-IN ENVIRONMENT. ACTIVITIES ALSO INCLUDE FIELD TRIPS, COMMUNITY SERVICE, SPORTS, FITNESS AND RECREATION, LEADERSHIP DEVELOPMENT, AND ORGANIZING COMMUNITY EVENTS. HELP WITH SCHOOLWORK IS AVAILABLE DAILY. THE READY TO BE PROGRAM GUIDES TEENS IN THOUGHTFUL PREPARATION FOR POSTSECONDARY LIFE. IN 2025, 208 CHILDREN AND YOUTH ATTENDED OUR PROGRAMS. IN YEAR-END SURVEYS, YOUTH STATE THAT OUR PROGRAMMING CONNECTS THEM WITH CARING AND RESPONSIVE STAFF, OFFERS THEM NEW LEARNING OPPORTUNITIES, HELPS THEM DEVELOP RELATIONAL SKILLS, GUIDES THEM ABOUT THEIR FUTURES, AND ENABLES THEM TO CONTRIBUTE TO COMMUNITY LIFE. 470392 4838714 1 1 0 0 0 0 0 0 1 1 1 0 0 1 1 1 1 0 0 0 0 0 0 0 1 0 0 0 0 1 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 1 33 0 1 67 1 0 0 0 0 0 1 1 0 0 0 0 0 0 X 15 14 0 0 0 0 0 0 0 1 1 0 0 1 1 1 1 1 1 1 0 0 MN WI X X DOUG ELLIOTT DIRECTOR OF FINANCE 6514394840 1875 NORTHWESTERN AVE S STILLWATER MN 55082 JAMES KROENING PRESIDENT & CEO 40.00 X X 143608 0 21783 ROBERT CLARK BOARD CHAIR 1.00 X X 0 0 0 MATTHEW SALISBURY VICE CHAIR 1.00 X X 0 0 0 JENNIFER TERWEDO SECRETARY 1.00 X X 0 0 0 PETER MATZEK TREASURER 1.00 X X 0 0 0 LINDSAY BELLAND BOARD MEMBER 1.00 X 0 0 0 CARMEN COLOMBO BOARD MEMBER 1.00 X 0 0 0 HEIDI HUBBARD MD BOARD MEMBER 1.00 X 0 0 0 MARISSA KROPP BOARD MEMBER 1.00 X 0 0 0 SHAWN LOHMANN BOARD MEMBER 1.00 X 0 0 0 RAJEAN MOONE PHD BOARD MEMBER 1.00 X 0 0 0 KERRIE OETTER BOARD MEMBER 1.00 X 0 0 0 JOE PAIEMENT BOARD MEMBER 1.00 X 0 0 0 LUKE SCHULZ BOARD MEMBER 1.00 X 0 0 0 CLARK SHROEDER BOARD MEMBER 1.00 X 0 0 0 MELISSA HARRIS PAST BOARD CHAIR (TERM END 5/2025) 1.00 X 0 0 0 ANU GREEN BOARD MEMBER (TERM END 5/2025) 1.00 X 0 0 0 JESSICA MELETIOU BOARD MEMBER (TERM END 5/2025) 1.00 X 0 0 0 DOUG ELLIOTT DIRECTOR OF FINANCE 40.00 X 95456 0 17646 239064 0 39429 1 0 1 0 PROCENTIVE 2321 JACK BREAULT DR STE 100 HUDSON WI 54016 INSURANCE PROCESSING 127696 1 91649 136722 355274 2404169 4700 2987814 COUNSELING AND THERAPY 624100 2500530 2500530 FINANCIAL SOLUTIONS 624100 455091 455091 CAREGIVER AND AGING 624100 54780 54780 3010401 589681 589681 800 0 800 800 800 18306 136722 25245 -6939 -6939 6285 6285 6285 6588042 3010401 0 589827 X 278493 236355 42138 2985423 2708568 170778 106077 60706 58232 2474 260791 247497 13294 233750 197165 26365 10220 1777 1777 50481 50481 18875 18875 563076 563076 6488 3718 40 2730 178185 143531 24221 10433 108265 92347 5637 10281 271048 249646 13819 7583 15711 13909 937 865 11825 11825 234628 214123 20505 69853 61243 5560 3050 PROGRAM EXPENSES 134395 133570 533 292 BAD DEBT 60188 60188 STAFF DEVELOPMENT 22262 20244 1204 814 59832 59832 5626052 4838714 577087 210251 354921 436630 1238335 1568521 147762 143903 305226 245621 77406 53691 7820125 3493053 4464606 4327072 6046318 6891349 3985754 4599838 16620328 18266625 294704 282932 17903 33000 53115 172840 76076 59414 441798 548186 X 12273884 13103924 3904646 4614515 16178530 17718439 16620328 18266625 X 961990 577919 X X 0 1 X 1 0 X 2443249 2444300 1994220 2656368 2987814 12525951 2443249 2444300 1994220 2656368 2987814 12525951 1986630 10539321 96394 86964 165054 233332 590481 1172225 36946 51301 47786 136033 2689 1588 1942 2001 6285 14505 13848714 12768130 0.76100 X 0.85320 0.02710 RESTRICTED RESTRICTED RESTRICTED RESTRICTED RESTRICTED RESTRICTED RESTRICTED RESTRICTED 0 1 X 3973907 137715 611242 99332 33323 4590209 3635356 132321 444520 238290 3973907 3371780 173512 415064 325000 3635356 3834927 237500 -621373 52631 26643 3371780 2658449 1172609 394906 367888 23149 3834927 0.01649 0.98351 1 0 791704 791704 5221695 2189463 3032232 86975 86975 0 478449 390225 88224 1241302 826390 414912 4327072 RIGHT OF USE ASSET 59082 BENEFICIAL INTERESTS IN COMMUNITY FOUNDATIONS 4540756 4599838 OPERATING LEASE LIABILITY 59414 59414 X 7224874 77788 577919 655707 6569167 18875 18875 6588042 5684965 77788 77788 5607177 18875 18875 5626052 PART IV, LINE 2B: THE ORGANIZATION ACTS IN A FIDUCIARY CAPACITY AS CUSTODIANS OF CLIENT FUNDS ENTRUSTED TO THEM. THESE FUNDS ARE KEPT SEPARATELY AND ARE SEGREGATED FROM OPERATING ACCOUNT FUNDS. CLIENT FUNDS ARE DEPOSITED IN A SEPARATE CLIENT DEPOSIT ACCOUNT IN A FEDERALLY INSURED FINANCIAL INSTITUTION. PART V, LINE 4: THE ORGANIZATION HAS ESTABLISHED THREE FUNDS, WHICH ARE HELD AS BENEFICIAL INTERESTS IN ASSETS AT THE ST. PAUL & MINNESOTA FOUNDATION AND THE ST. CROIX VALLEY FOUNDATION. IN CERTAIN CIRCUMSTANCES FAMILYMEANS HAS THE OPPORTUNITY TO WITHDRAW SOME OR ALL OF THE INTERESTS FROM THE FOUNDATIONS. THESE FUNDS ARE A MEANS OF SAFEGUARDING VALUABLE SERVICES FOR FAMILIES AND MAINTAINING CAPITAL RESOURCES OWNED BY THE AGENCY. A LONG-TERM FUND AT THE ST. PAUL & MINNESOTA FOUNDATION, AND THE LONG-TERM AGENCY FUND AT THE ST. CROIX VALLEY FOUNDATION HELP SUPPORT PROGRAMS AND CAN HAVE A STABILIZING EFFECT ON THE SOMEWHAT UNPREDICTABLE FUNDING STREAMS AVAILABLE TO FAMILY SERVICE ORGANIZATIONS. THE LONG-TERM FACILITY FUND AT THE ST. CROIX VALLEY FOUNDATION GENERATES FUNDS TO BE USED TO REPAIR, REPLACE, UPGRADE, BUILD OR PURCHASE FACILITIES AND EQUIPMENT. THIS FUND WILL NOT BE USED TO PAY FOR ANNUAL OPERATIONAL EXPENSES RELATED TO FACILITIES. AN ENDOWMENT IS ONE WAY THE BOARD OF DIRECTORS AND THE COMMUNITY ENSURE THE ORGANIZATIONS CAPACITY TO SERVE FAMILIES FAR INTO THE FUTURE. AS REQUIRED BY ACCOUNTING PRINCIPLES GENERALLY ACCEPTED IN THE UNITED STATES OF AMERICA, NET ASSETS ASSOCIATED WITH ENDOWMENT FUNDS, INCLUDING FUNDS DESIGNATED BY THE BOARD OF DIRECTORS TO FUNCTION AS ENDOWMENTS, ARE CLASSIFIED AND REPORTED BASED ON THE EXISTENCE OR ABSENCE OF DONOR-IMPOSED RESTRICTIONS. PART X, LINE 2: THE ORGANIZATION IS EXEMPT FROM FEDERAL AND STATE INCOME TAXES UNDER SECTION 501(C)(3) OF THE INTERNAL REVENUE CODE AND SIMILAR STATE INCOME TAX LAWS. THE ORGANIZATION IS A NON-PRIVATE FOUNDATION AND CONTRIBUTIONS TO THE ORGANIZATION QUALIFY AS A CHARITABLE TAX DEDUCTION BY THE CONTRIBUTOR. THE ORGANIZATION FOLLOWS THE ACCOUNTING STANDARDS FOR CONTINGENCIES IN EVALUATING UNCERTAIN TAX POSITIONS. THIS GUIDANCE PRESCRIBES RECOGNITION THRESHOLD PRINCIPLES FOR THE FINANCIAL STATEMENT RECOGNITION OF TAX POSITIONS TAKEN OR EXPECTED TO BE TAKEN ON A TAX RETURN THAT ARE NOT CERTAIN TO BE REALIZED. NO LIABILITY HAS BEEN RECOGNIZED BY THE ORGANIZATION FOR UNCERTAIN TAX POSITIONS. THE ORGANIZATION FILES FORM 990 IN THE U.S. FEDERAL JURISDICTION AND THE STATES OF MINNESOTA AND WISCONSIN. THE ORGANIZATION IS GENERALLY NO LONGER SUBJECT TO EXAMINATION BY THE INTERNAL REVENUE SERVICE THREE YEARS AFTER THE DATE OF FILING, INCLUDING EXTENSIONS. PART XI, LINE 2D - OTHER ADJUSTMENTS: CHANGE IN BENEFICIAL INTERESTS IN COMMUNITY FOUNDATIONS 577,919. BETTER IS POSSIBLE 155028 136722 18306 2053 3055 7613 12524 155028 136722 18306 2053 3055 7613 12524 25245 -6939 X X X 0 0 0 0 0 0 0 0 0 JAMES KROENING PRESIDENT & CEO 143608 0 0 0 0 0 4741 0 17042 0 165391 0 0 0 FORM 990, PART VI, SECTION B, LINE 11B THE AUDIT COMMITTEE REVIEWS THE 990 AND APPROVES IT. THE MINUTES OF THE AUDIT COMMITTEE MEETING AND THE 990 ARE INCLUDED IN AN EMAIL TO THE BOARD FOR THE BOARD MEETING. THE 990 IS AVAILABLE TO ALL BOARD MEMBERS WHO ARE INTERESTED IN REVIEWING IT. FORM 990, PART VI, SECTION B, LINE 12C ANNUALLY THE FULL BOARD AND ALL OF THE OFFICERS OF THE AGENCY FILL OUT AND SIGN A NEW CONFLICT OF INTEREST DISCLOSURE FORM. AT THE BOARD AND MANAGEMENT MEETINGS, WHERE THE FORMS ARE SIGNED, EVERYONE IN THE ROOM IS ASKED AT THAT TIME, TO VERBALLY DISCLOSE ANY POSSIBLE CONFLICT OF INTEREST. IF AT THAT TIME, ANY BOARD OR MANAGEMENT MEMBER FELT THAT A CONFLICT EXISTED, THE FULL BOARD WOULD REVIEW, AND IF NECESSARY IMPLEMENT ANY POSSIBLE RESTRICTIONS ON THE PERSON WITH THE CONFLICT. THE PRESIDENT OF FAMILYMEANS LEAVES THE BOARD ROOM WHEN THE BOARD IS DISCUSSING HIS/HER ANNUAL PERFORMANCE REVIEW AND ANY POSSIBLE SALARY ADJUSTMENTS. OTHER THAN THIS, THERE HAVE BEEN NO ISSUES BROUGHT BEFORE THE BOARD THAT MIGHT CREATE A CONFLICT OF INTEREST. ALL EMPLOYEES OF FAMILYMEANS SIGN A CONFLICT OF INTEREST DISCLOSURE AT THE TIME OF THEIR INITIAL EMPLOYMENT. THE HR MANAGER AND PRESIDENT REVIEW THE DISCLOSURES TO DETERMINE IF ANY CONFLICT DOES INDEED EXIST. FORM 990, PART VI, SECTION B, LINE 15A COMPENSATION FOR THE PRESIDENT OF FAMILYMEANS IS ESTABLISHED BY THE BOARD OF DIRECTORS, BASED ON COMPARABLE DATA AVAILABLE FROM VARIOUS NONPROFIT SALARY SURVEYS. ON AN ANNUAL BASIS THE BOARD CHAIR REVIEWS THE PRESIDENT'S PERFORMANCE. A SUMMARY OF THIS REVIEW IS BROUGHT TO THE FULL BOARD. IN A CLOSED MEETING THE BOARD REVIEWS BOTH PERFORMANCE AND PAY. SALARY ADJUSTMENTS, IF ANY, ARE MADE AT THIS TIME. THE BOARD CHAIR KEEPS MINUTES OF THE REVIEW PROCESS. THIS PROCESS WAS MOST RECENTLY UNDERTAKEN IN SEPTEMBER 2025. FORM 990, PART VI, SECTION C, LINE 19 THE ORGANIZATION MAKES ITS GOVERNING DOCUMENTS, CONFLICT OF INTEREST POLICY, AND FINANCIAL STATEMENTS AVAILABLE TO THE PUBLIC UPON REQUEST. THE ORGANIZATION'S FORMS 990, AUDITED FINANCIALS, AND ANNUAL REPORTS CAN BE FOUND ON THEIR WEBSITE AT WWW.FAMILYMEANS.ORG/ANNUAL-REPORTS-AND-FINANCIALS/ FORM 990, PART IX, LINE 11G CONTRACT EMPLOYEE: PROGRAM SERVICE EXPENSES 424,001. MANAGEMENT AND GENERAL EXPENSES 0. FUNDRAISING EXPENSES 0. TOTAL EXPENSES 424,001. RECRUITMENT: PROGRAM SERVICE EXPENSES 11,379. MANAGEMENT AND GENERAL EXPENSES 0. FUNDRAISING EXPENSES 0. TOTAL EXPENSES 11,379. INSURANCE PROCESSING: PROGRAM SERVICE EXPENSES 127,696. MANAGEMENT AND GENERAL EXPENSES 0. FUNDRAISING EXPENSES 0. TOTAL EXPENSES 127,696. FORM 990, PART XI, LINE 9: CHANGE IN BENEFICIAL INTERESTS IN COMMUNITY FOUNDATIONS 577,919. FORM 990, PART XII, LINE 2C: THE ORGANIZATION HAS A COMMITTEE THAT ASSUMES RESPONSIBILITY FOR OVERSIGHT OF THE AUDIT OF ITS FINANCIAL STATEMENTS AND SELECTION OF AN INDEPENDENT ACCOUNTANT. THIS PROCESS HAS NOT CHANGED FROM PRIOR YEARS.