2026-08-12T17:31:04-07:00 2025-12-31 990 2025-01-01 436062857 CONCORDIA HEALTH PLAN CONC 3148856744 1333 S Kirkwood Road St Louis MO 631227295 Scott Seefeld Chairman of the Board and Trustee 3148856747 2026-08-13 2025 2025-03-06 01:10:19Z Scott Seefeld 1333 S Kirkwood Road St Louis MO 631227295 278771265 0 X www.concordiaplans.org X 1980 MO Provide healthcare benefits for the employees, and their selected dependents, of member congregations, controlled organizations, and affiliated agencies of The Lutheran Church-Missouri Synod. 15 15 0 0 0 0 0 0 285776976 278771265 0 0 0 0 285776976 278771265 0 0 232484273 253979072 0 0 0 0 0 43378419 42393149 275862692 296372221 9914284 -17600956 215803584 220245647 48710029 45284453 167093555 174961194 Provide healthcare benefits for the participating employees, and their selected dependents, of member congregations, controlled organizations, and affiliated agencies of The Lutheran Church-Missouri Synod. Benefits include medical, prescription drugs, mental health, dental, vision, and health and wellness programs. 0 0 184521863 0 0 Healthcare benefits: 2025 enrollment consists of 15,490 members (14,906 active and 584 disabled/retired/seminary students/surviving dependents/leave of absence) and 19,459 dependents. Total enrollment is 34,949. (Information from 12/31/25 enrollment reports.) Provide medical healthcare directly to members through a network health program totaling $184,521,863. 49927844 0 0 Healthcare delivery: Provided prescription drug coverage totaling $49,927,844 2249465 0 0 Healthcare delivery: Provided vision service plan totaling $2,249,465 59673049 0 0 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 59673049 0 0 296372221 0 0 0 0 0 0 0 0 0 0 0 0 0 1 0 1 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 1 0 0 1 0 0 1 0 0 0 0 0 0 0 0 0 X 15 15 0 1 0 0 0 0 0 1 1 0 0 1 1 1 1 1 1 0 0 0 X Concordia Health Plan 3149659000 1333 S Kirkwood Road St Louis MO 631227295 X Scott Seefeld Chairman of the Board and Trustee 2 4 X 0 0 0 Jon Boeche Trustee 2.00 4.00 X 0 0 0 Jason Burk Trustee 1 2 X 0 0 0 Daryl Dagit Trustee 1 2 X 0 0 0 Henry Eickelberg Trustee 1 2 X 0 0 0 Judy Stromback Trustee 1 2 X 0 0 0 David Hawk Trustee 1 2 X 0 0 0 Jesse Huber Trustee 1 2 X 0 0 0 Ronald Kuehn Trustee 1 2 X 0 0 0 Mark Miller Trustee 1 2 X 0 0 0 Mark Swenson Trustee 1 2 X 0 0 0 Renee Varga Trustee 1 2 X 0 0 0 Amber Bahr Trustee 1 2 X 0 0 0 Roger Offermann Trustee 1 2 X 0 0 0 M Douglas Peters Trustee 1 2 X 0 0 0 Nathan Haak Trustee 1 2 X 0 0 0 Roger Paavola Trustee 1 2 X 0 0 0 0 0 0 0 0 0 0 0 0 Health Benefit Contributions 524114 278771265 278771265 0 0 0 0 0 0 278771265 0 0 0 0 0 278771265 278771265 0 0 253979072 253979072 17431971 17431971 0 0 6276 6276 0 0 221950 221950 0 0 2571430 2571430 0 0 External Claim Services 16821171 16821171 0 0 Healthcare Containment Costs 3701005 3701005 0 0 Health & Wellness Publications & Communications 98439 98439 0 0 1540907 1540907 0 0 296372221 296372221 0 0 28010074 20736101 16520809 17254818 162656137 172507020 8223632 9341649 392932 406059 215803584 220245647 5663029 6012453 43047000 39272000 48710029 45284453 X 0 0 0 0 167093555 174961194 167093555 174961194 215803584 220245647 X -17600956 0 0 0 0 25468595 X 0 1 X 1 0 Reserve for incurred but unreported health claims 25706000 Waiver Liability-Disabled 13566000 39272000 300242910 0 0 0 21471645 21471645 278771265 0 0 0 278771265 292375271 0 0 0 -3775000 -3775000 296150271 221950 0 221950 296372221 Schedule D, Part XI, Line 2d Net investment gain of $21,471,645 Schedule D, Part XII, Line 2d Decrease in actuarial reserves of $3,775,000 Form 990, Part VI, Section A, Line 3 The Concordia Health Plan Board of Trustees is authorized and has delegated plan administrative services to Concordia Plan Services. No members of the board are compensated. Form 990, Part VI, Section B, Line 11b A copy of Form 990 was provided to Board members prior to submission. Board members were given an opportunity to comment and provide input prior to filing Form 990. The Chief Financial Officer reviewed Form 990 prior to filing. Form 990, Part VI, Section B, Line 12c The plans require each officer to review and sign a conflict of interest policy each year. Form 990, Part VI, Section C, Line 19 The Ministry and Stewardship reports published on the Concordia Plan Services website (www.concordiaplans.org). The conflict of interest policy, governing documents, and financial statements are provided upon request. Form 990, Part VII, Section A, Line 1a The VEBA is administered by the Board of Trustees. The VEBA does not have any employees or compensated officers. Administration of the plan is provided through Concordia Plan Services, a management company. Form 990, Part XI, Line 9 The total amount of $25,468,595 consists of investment gain of $21,693,595 and decrease in actuarial reserves of $3,775,000. The Lutheran Church Missouri Synod 1333 S Kirkwood Road St Louis MO 63122 430658188 VEBA sponsoring organization MO 501(c)(3) 1 (church) N/A Concordia Plan Services 1333 S Kirkwood Road St Louis MO 63122 710986725 Administers the plans/trusts of The LCMS MO 501(c)(3) 1 (church) N/A Concordia Disability and Survivor Plan 1333 S Kirkwood Road St Louis MO 63122 430919992 Provides disability & survivor benefits to the employees and dependents of The LCMS. MO 501(c)(9) N/A 0 0 0 0 0 0 0 0 0 0 0 0 0 1 0 0 0 0 0 Schedule R, Part II The Lutheran Church-Missouri Synod is the sponsoring organization of the Concordia Health Plan VEBA. AT 12/31/25, there were 5,326 affiliated churches, schools, and related parties enrolled in the plan of which 2,800 made contributions for at least one employee to the plan. Schedule R, Part V, Line 1n The Lutheran Church-Missouri Synod is the sponsoring organization of the Concordia Health Plan. Concordia Plan Services (CPS) administers the plans/trusts of the LCMS. Concordia Health Plan is one of the plans/trusts administered by CPS. All the plans/trusts operate within the same building and share resources. Form 8868 filed for extension until November 15, 2026