Nonprofit · EIN 46-2975745
REFORMED BENEFITS ASSOCIATION
Also known as NICOLE HUTTENGA
Tax-exempt · GRAND RAPIDS, MI 49512
Financials
| Year ended | Form | Revenue | Expenses | Net income | Total assets | Liabilities | Net assets |
|---|---|---|---|---|---|---|---|
| December 31, 2025 | 990 | $14,039,039 | $14,449,375 | -$410,336 | $8,146,414 | $1,729,456 | $6,416,958 |
| December 31, 2024 | 990 | $13,001,702 | $14,101,892 | -$1,100,190 | $8,883,361 | $2,072,332 | $6,811,029 |
| December 31, 2023 | 990 | $13,711,827 | $13,435,945 | $275,882 | $9,766,225 | $1,861,569 | $7,904,656 |
Financial details: 990 for the year ended December 31, 2025
Revenue
- Contributions, gifts and grants
- $0
- Program service revenue
- $13,952,369
- Investment income
- $86,670
- Other revenue
- $0
Expenses
- Grants and similar amounts paid
- $0
- Benefits paid to members
- $9,558,326
- Compensation of officers, directors and key employees
- $172,774
- Other salaries and wages
- $89,072
- Salaries, compensation and benefits (total)
- $318,865
- Professional fundraising fees
- $0
- Legal fees
- $4,939
- Accounting fees
- $142,332
- Occupancy
- $14,318
- Travel
- $3,702
- Program services (functional)
- $13,709,617
- Management and general (functional)
- $739,758
Balance sheet and other
- Total assets, start of year
- $8,883,361
- Total assets, end of year
- $8,146,414
- Total liabilities, end of year
- $1,729,456
- Net assets, end of year
- $6,416,958
- Publicly traded securities
- $1,375,261
- Net assets without donor restrictions
- $6,416,958
- Gross receipts
- $14,039,039
- Employees
- 4
- Volunteers
- 0
- Year formed
- 2013
- State of legal domicile
- MI
From the e-filed returns the IRS publishes as XML (latest three processing years; amended returns replace the original). PDF copies at the IRS.
Officers, directors and key employees
As listed on the 990 for the year ended December 31, 2025, highest compensation first.
| Name | Title | Hours / week | Compensation | From related orgs | Other / benefits |
|---|---|---|---|---|---|
| Carol Koppenaal | Board Member Trustee or director | 4 | $0 | $123,228 | $47,535 |
| Nicole Huttenga | Director Officer | 40 | $105,881 | $0 | $47,486 |
| Kelly Oliveira | Board Member Trustee or director | 4 | $0 | $0 | $0 |
| Joel Sheeres | Board Member Trustee or director | 1 | $0 | $0 | $0 |
| Karen Walker | Board Member Trustee or director | 1 | $0 | $0 | $0 |
| Ervin Anderson | Board Member Trustee or director | 1 | $0 | $0 | $0 |
| Cora Taitt | Board Member Trustee or director | 1 | $0 | $0 | $0 |
| Doug Struyk | Board Treasurer Officer | 1 | $0 | $0 | $0 |
| Trevor Deters | Board President Officer | 1 | $0 | $0 | $0 |
990 for the year ended December 31, 2024: 9 people
| Name | Title | Hours / week | Compensation | From related orgs | Other / benefits |
|---|---|---|---|---|---|
| Carol Koppenaal | Board Member Trustee or director | 4 | $0 | $119,557 | $51,444 |
| Nicole Huttenga | Director Trustee or director, Officer | 40 | $106,644 | $0 | $33,681 |
| Kelly Oliveira | Board Member Trustee or director | 4 | $0 | $0 | $0 |
| Doug Struyk | Board Treasurer Trustee or director, Officer | 1 | $0 | $0 | $0 |
| Trevor Deters | Board President Trustee or director, Officer | 1 | $0 | $0 | $0 |
| Joel Vande Werken | Board Member Trustee or director | 1 | $0 | $0 | $0 |
| Karen Walker | Board Member Trustee or director | 1 | $0 | $0 | $0 |
| Ervin Anderson | Board Member Trustee or director | 1 | $0 | $0 | $0 |
| Cora Taitt | Board Member Trustee or director | 1 | $0 | $0 | $0 |
990 for the year ended December 31, 2023: 9 people
| Name | Title | Hours / week | Compensation | From related orgs | Other / benefits |
|---|---|---|---|---|---|
| Carol Koppenaal | Board Secretary Trustee or director, Officer | 4 | $0 | $113,679 | $50,313 |
| Nicole Huttenga | Director Trustee or director | 40 | $41,199 | $53,412 | $47,802 |
| Kelly Oliveria | Board Member Trustee or director, Officer | 4 | $0 | $0 | $0 |
| Doug Struyk | Board Treasurer Trustee or director, Officer | 1 | $0 | $0 | $0 |
| Trevor Deters | Board President Trustee or director, Officer | 1 | $0 | $0 | $0 |
| James Kuplic | Board Member Trustee or director | 1 | $0 | $0 | $0 |
| Joel Vande Werken | Board Member Trustee or director | 1 | $0 | $0 | $0 |
| Karen Walker | Board Member Trustee or director | 1 | $0 | $0 | $0 |
| Leanne Bough | Board Vice President Trustee or director, Officer | 1 | $0 | $0 | $0 |
Address and contacts
- Address (IRS master file)
- 4500 60TH ST SE, GRAND RAPIDS, MI 49512-9764
- In care of
- % JOHN BOLT TREASURER
- Principal officer (990 for 2025)
- Nicole Huttenga, 4500 60th St SE, Grand Rapids, MI 49512
- Signed the 990
- Nicole Huttenga, Director
- Phone
- (800) 701-8992
- Website
- www.reformedbenefits.org
Mission
The Reformed Benefits Association's purpose is for the provision, management and administration of health and welfare benefit plans for member denominations, their ministers, lay employees, retirees, agencies and participating churches and other assemblies on a joint basis.
Program accomplishments
- Management and Administration services of health and welfare benefit plans for employees of its members and other eligible participating organizations.Expenses $13,709,617 · revenue $13,952,369
What it must file and when
IRS records say it files Form 990 or 990-EZ. Based on its last return; a smaller organization may file the 990-N. Its accounting year ends in December, so each return is due on the 15th day of the 5th month after that.
| Tax year | Year ended | Due | IRS public records |
|---|---|---|---|
| 2025 | December 31, 2025 | May 15, 2026 | 990 on file |
| 2024 | December 31, 2024 | May 15, 2025 | 990 on file |
| 2023 | December 31, 2023 | May 15, 2024 | 990 on file |
IRS record
- EIN
- 46-2975745
- Tax-exempt status
- 501(c)(3): Charitable, religious, educational or scientific organization
- Foundation status
- Supporting organization, Type I
- Donations deductible (Pub 78)
- Supporting organization, 50% limit
- Exempt since
- 2014
- Accounting year ends
- December
- Files
- Form 990 or 990-EZ
- Category (NTEE)
- Health care (E11)
- Assets (IRS master file)
- $8,146,414
- Income (IRS master file)
- $14,039,039
Filing history
| Form | Year ended | Revenue | Expenses | Assets | Return |
|---|---|---|---|---|---|
| 990 | December 2025 | $14,039,039 | $14,449,375 | $8,146,414 | XML |
| 990 | December 2024 | $13,001,702 | $14,101,892 | $8,883,361 | XML |
| 990 | December 2023 | $13,711,827 | $13,435,945 | $9,766,225 | XML |
| 990 | December 2022 | $14,545,543 | $14,642,819 | $9,539,770 | IRS |
| 990 | December 2021 | – | – | – | IRS |
| 990 | December 2020 | – | – | – | IRS |
| 990 | December 2018 | – | – | – | IRS |
990-N: the IRS bulk file holds only the latest e-Postcard per organization; earlier years come from archived copies of that file since 2020 and can have gaps (the IRS e-Postcard search lists every one). 990, 990-EZ, 990-PF, 990-T: every e-filed return in the IRS e-file index since 2019; XML for the latest three processing years, amounts from the IRS Statistics of Income extracts before that. PDF copies and determination letters at the IRS (search EIN 46-2975745).
Questions about REFORMED BENEFITS ASSOCIATION
- What is the EIN of REFORMED BENEFITS ASSOCIATION?
- The employer identification number (EIN) of REFORMED BENEFITS ASSOCIATION is 46-2975745.
- Is REFORMED BENEFITS ASSOCIATION tax-exempt?
- Yes. The IRS lists it as tax-exempt under section 501(c)(3) since 2014.
- Are donations to REFORMED BENEFITS ASSOCIATION tax-deductible?
- Yes. It is listed in IRS Publication 78 (Supporting organization, 50% limit).
- Which annual return does REFORMED BENEFITS ASSOCIATION file?
- Form 990 or 990-EZ. Based on its last return; a smaller organization may file the 990-N.
- When is the next return of REFORMED BENEFITS ASSOCIATION due?
- The return for tax year 2026 (the year ending December 31, 2026) is due May 17, 2027. Form 8868 extends it by six months; the 990-N cannot be extended.
- When did REFORMED BENEFITS ASSOCIATION last file with the IRS?
- The latest return in the IRS public files is the 990 for the year ended December 2025.
- Who is the principal officer of REFORMED BENEFITS ASSOCIATION?
- The 990 for the year ended December 31, 2025 names Nicole Huttenga.
- Who are the officers and directors of REFORMED BENEFITS ASSOCIATION?
- The 990 for the year ended December 31, 2025 lists 9 people; 1 received compensation from the organization.
- How much revenue does REFORMED BENEFITS ASSOCIATION have?
- On its 990 for the year ended December 31, 2025 it reported revenue of $14,039,039, expenses of $14,449,375 and total assets of $8,146,414 at year end.
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