2026-04-20T11:24:52-07:00 2025-06-30 990 2024-07-01 852377219 HARMONY PROTECTION GROUP HARM 7243521571 134 Marwood Road Cabot PA 16023 Michael Falbo CFO 7243528261 2026-04-20 1 2024 2025-03-06 01:10:19Z Keith Frndak CEO 134 Marwood Road Cabot PA 16023 4755672 0 X concordialm.org X 2020 PA Harmony Protection Group's charitable purpose is to provide insurance coverage to affiliate 501(c)(3) organizations. 9 0 0 9 0 0 0 0 3736185 4212584 217754 390443 0 0 3953939 4603027 0 0 0 0 0 0 0 0 0 2819397 2651448 2819397 2651448 1134542 1951579 18964984 22418468 2889923 3011565 16075061 19406903 Harmony Protection Group's charitable purpose is to provide insurance coverage to and further the mission and purpose of affiliate 501(c)(3) organizations. 0 0 2649177 0 4212584 Harmony Protection Group's exists solely to support the operations of Concordia Care Network (CCN) (EIN 47-3508524) and its 501(c)(3) affiliates. CCN and its affiliates provide care to primarily seniors such as skilled nursing, rehab, personal care, assisted living, memory support, independent living, physician services, home care, home health care, hospice, adult day services, durable medical equipment, and pharmacy. Each affiliate supported by the organization is listed in the Articles of Incorporation. On an annual basis, CCN and its affiliates serve between 35,000 and 40,000 people. Harmony Protection Group helps support this ministry by providing affordable insurance services to CCN and its affiliates. By providing low cost insurance coverage, the entity allows CCN and its affiliates to pass on the savings by offering its residents and patients compassionate services while charging fees lower than the surrounding market. 0 0 0 2649177 1 0 0 0 0 0 0 0 0 0 0 0 0 0 0 1 0 1 0 1 1 0 0 0 0 0 0 0 0 1 0 0 0 0 0 0 0 0 0 0 0 0 0 1 0 0 0 1 0 0 0 0 0 0 0 0 0 0 0 X 9 0 0 0 0 0 1 1 1 1 1 0 0 0 1 1 1 1 1 1 0 0 PA X X Michael Falbo CFO 7243521571 134 Marwood Road Cabot PA 16023 Keith Frndak-See Schedule O Chair/President 5 45 X X 0 868055 37218 Brian Hortert-See Schedule O Board Member 1 44 X 0 515213 36679 Michael Falbo-See Schedule O Treasurer 1 44 X X 0 325614 33072 Cristen Fiffik-See Schedule O Board Member 1 31 X 0 330756 17981 Tammy Young-See Schedule O Board Member 1 44 X 0 258832 15421 Misty Ingram-See Schedule O Board Member 1 44 X 0 167705 23844 Stacy Mathers-See Schedule O Board Member 1 44 X 0 174558 12059 Becky Bloom-See Schedule O Board Member 1 44 X 0 118460 14267 Tim Temple-See Schedule O Board Member 1 44 X 0 106835 15146 Charla Oesterling-See Schedule O Board Member 1 44 X 0 97836 13375 0 2963864 219062 0 0 1 0 0 0 Insurance Premiums 525100 4212584 4212584 0 0 0 0 0 0 4212584 374961 374961 0 0 0 0 0 0 0 0 0 0 0 0 168127 0 152645 0 15482 0 15482 15482 0 0 0 4603027 4603027 0 0 166 166 1878 1878 64906 64906 118 118 Self Insured Workers' Compensation 1263227 1263227 0 0 Self Insured Liability Insurance 930091 930091 0 0 Self Insured Property Insurance 390835 390835 0 0 227 227 2651448 2649177 2271 0 0 0 734534 1629934 0 0 590752 319203 0 0 0 0 0 0 0 0 179520 166510 17460178 20302821 18964984 22418468 2711338 2807414 178585 204151 0 0 2889923 3011565 X 16075061 19406903 0 0 16075061 19406903 18964984 22418468 1951579 1380263 0 0 0 0 X 0 1 X 1 1 1 X X X 17 Concordia Lutheran Health & Human Care 250969458 10 0 0 0 Rebecca Residence dba Concordia at Rebecca Residence 250974311 10 0 0 0 Concordia Visiting Nurses of Ohio 463845269 10 0 0 0 Concordia of Monroeville 251475192 10 0 0 0 Good Samaritan Hospice of Pittsburgh 251818793 10 0 0 0 Cedars Home Health Care Services 251875508 10 0 0 0 Concordia Lutheran Ministries of Pittsburgh 270209886 10 0 0 0 Concordia Visiting Nurses 421704067 10 0 0 0 Concordia Physician Practice 473951584 10 0 0 0 Concordia Tele-CareGivers 251881783 10 0 0 0 Concordia Hospice of Washington 812448411 10 0 0 0 Concordia of Ohio 611682165 10 0 0 0 Concordia of Florida 371869372 10 0 0 0 Concordia Medical Equipment 204386767 10 0 0 0 Visiting Nurse Association of Indiana County 237042932 10 0 0 0 Bethlen Home of the Hungarian Reformed Federation of America dba Concordia at Bethlen 250981135 10 0 0 0 Concordia Ministries of New York Inc 863586342 10 0 0 0 17 0 0 1 0 0 0 0 0 0 0 0 0 0 0 0 0 0 1 0 0 X Schedule D, Part X, Line 2 The Organization is a not-for-profit corporation as described in Section 501(c)(3) of the Internal Revenue Code. Accordingly, no provision for income tax has been provided. Central America and the Caribbean 1 1 Program Services SEG Insurance 35000 1 1 35000 0 0 0 0 0 0 0 1 0 0 0 0 0 0 0 Keith Frndak-See Schedule O Chair/President 0 665405 0 202650 0 0 0 22425 0 14793 0 905273 0 0 Brian Hortert-See Schedule O Board Member 0 421478 0 57150 0 36585 0 19715 0 16964 0 551892 0 0 Michael Falbo-See Schedule O Treasurer 0 280520 0 26250 0 18844 0 19618 0 13454 0 358686 0 0 Tammy Young-See Schedule O Board Member 0 229813 0 11750 0 17269 0 15128 0 293 0 274253 0 0 Misty Ingram-See Schedule O Board Member 0 163055 0 4650 0 0 0 11452 0 12392 0 191549 0 0 Stacy Mathers-See Schedule O Board Member 0 157808 0 16750 0 0 0 11483 0 576 0 186617 0 0 Cristen Fiffik-See Schedule O Board Member 0 226798 0 0 0 103958 0 17477 0 504 0 348737 0 0 Schedule J, Part I, Line 3 The Executive Committee of Concordia Lutheran Ministries (Parent) (EIN 20-5138278) approves the compensation of the Chief Executive Officer (CEO) annually through his employer Concordia Care Network (CCN) (EIN 47-3508524). Compensation includes base compensation, bonuses, and other fringe benefits such as health insurance. The committee uses data from state and national associations for organizations of similar size to compare compensation. Executive Committee decisions for CEO compensation are communicated to the Chief Financial Officer. Compensation for key employees is determined by the CEO. Data from state and national associations is used for comparison purposes. Schedule J, Part I, Line 4 Affiliate, Concordia Care Network (CCN) (EIN 47-3508524) participates in a non-qualified 457 deferred compensation plan for certain highly compensated employees of the Organization. The Concordia Lutheran Ministries (EIN 20-5138278) Board of Directors and CEO approve all participants who are enrolled in the plan. Contributions are deferred and will fully vest in five years. Once disbursed, contributions will appear in Box 5 of the participant's W-2. In the calendar year 2022 the following participants were enrolled in the plan: Michael Falbo, Brian Hortert, Keith Frndak, Misty Ingram, Cristen Fiffik, Stacy Mathers, and Tammy Young. Schedule J, Part II All board members of Harmony Protection Group serve on a purely volunteer basis. Any compensation to a board member by a related organization, reported on Part VII and Schedule J, is for his/her service as an employee of that organization and not for his/her service as a board member. Employment compensation for board members is as follows: Keith Frndak, CEO, Concordia Lutheran Ministries and its affiliates, Brian Hortert, COO, Concordia Care Network and facility based affiliates, Michael Falbo, CFO, Concordia Lutheran Ministries and its affiliates, Tammy Young, CFO, Concordia Care Network and community based affiliates, Cristen Fiffik, General Council, Concordia Lutheran Ministries and its affiliates, Stacy Mathers, Director of Corporate Compliance, Concordia Lutheran Ministries and its affiliates, Misty Ingram, COO, Concordia Care Network and community based affiliates, Tim Temple, Staff Accountant, Concordia Care Network and facility based affiliates, and Charla Oesterling, Executive Assistant, Concordia Lutheran Ministries and its affiliates. Form 990, Part VI, Section A, Line 6 Concordia Lutheran Ministries (EIN 20-5138278) is the sole member of Harmony Protection Group. Form 990, Part VI, Section A, Line 7a The sole member, Concordia Lutheran Ministries (EIN 20-5138278), assigns the board of directors. Form 990, Part VI, Section A, Line 7b Concordia Lutheran Ministries (EIN 20-5138278), has certain reserves certain rights over the organization's board of directors' decisions and actions. Form 990, Part VI, Section B, Line 11b The Form 990 is prepared and reviewed by the accounting department of Concordia Care Network (EIN 47-3508524). The document is then reviewed by the CFO. The Concordia Lutheran Ministries (EIN 20-5138278) board of directors maintains certain powers on the binding decisions made by the board of directors of this organization. Due to the powers maintained by the board of directors of Harmony Protection Group, it has been decided to present the Form 990 of this organization to the board of directors of Concordia Lutheran Ministries for review prior to submission of this form. Additionally, any independent board member of this organization was offered an opportunity to review the Form 990 prior to submission as well. Form 990, Part VI, Section B, Line 12c The corporate compliance officer attends at least one board meeting per year to educate the board members on the compliance policies, including the conflict of interest policy. Board members are required to disclose any potential conflicts of interest prior to discussion on a topic where a conflict may exist. The board will determine if the conflict exists and act accordingly, which may include the conflicted board member recusing himself/herself from discussion and any votes related to the matter. Form 990, Part VI, Section B, Line 15 Harmony Protection Group has no employees. The processes listed in Line 15 are performed by affiliate organization, Concordia Care Network (EIN 47-3508524) for those persons listed on Part VII and on Schedule J. Form 990, Part VI, Section C, Line 19 An annual report that summarizes the financial operations of the organization and its affiliates (including Harmony Protection Group) which is mailed to all of its constituents and is available to the public upon request. The Harmony Protection Group governing documents, conflict of interest policies, and financial statements are available to the public upon request. Concordia Lutheran Health & Human Care 134 Marwood Road Cabot PA 16023 250969458 Provide skilled nursing, personal care, independent living, and rehabilitative services PA 501(c)(3) 10 Concordia care Network EIN 47-3508524 0 Concordia Lutheran Ministries Foundation 134 Marwood Road Cabot PA 16023 205138266 Raise and receive funds for the furtherance of the mission and purposes of affiliated 501(c)(3) orgs PA 501(c)(3) 12 Type II Concordia Lutheran Ministries EIN 20-5138278 0 Rebecca Residence dba Concordia at Rebecca Residence 3746 Cedar Ridge Road Allison Park PA 15101 250974311 Provide skilled nursing, personal care, independent living, and rehabilitative services PA 501(c)(3) 10 Concordia Lutheran Health and Human Care EIN 25-0969458 0 Concordia Visiting Nurses of Ohio 613 North Pike Road Cabot PA 16023 463845269 Home Health Services OH 501(c)(3) 10 Concordia Care Network EIN 47-3508524 0 Concordia Lutheran Ministries 134 Marwood Road Cabot PA 16023 205138278 Provides access to corp resources and expert support to carries out the purpose of the affiliates PA 501(c)(3) 12 Type III N/A 0 Concordia of Monroeville 4363 Northern Pike Monroeville PA 15146 251475192 Provide skilled nursing, personal care, independent living and rehabilitation services PA 501(c)(3) 10 Concordia Lutheran Ministries of Pittsburgh EIN 27-0209886 0 Good Samaritan Hospice of Pittsburgh 116 Browns Hill Road Suite 100 Valencia PA 16059 251818793 Provide inpatient and community hospice patient care PA 501(c)(3) 10 Concordia Care Network EIN 47-3508524 0 Cedars Home Health Care Services 4363 Northern Pike Monroeville PA 15146 251875508 Home Health Services PA 501(c)(3) 10 Concordia Tele CareGivers EIN 25-1881783 0 Concordia Care Network dba Concordia Community Support Services 613 North Pike Road Suite B Cabot PA 16023 473508524 Provide oversight, management and strategic planning PA 501(c)(3) 12 Type II Concordia Lutheran Ministries EIN 20-5138278 0 Concordia Lutheran Ministries of Pittsburgh 1300 Bower Hill Road Pittsburgh PA 15243 270209886 Provide skilled nursing, personal care, independent living, and rehabilitative services PA 501(c)(3) 10 Concordia Care Network EIN 47-3508524 0 Concordia Visiting Nurses 613 North Pike Road Cabot PA 16023 421704067 Provide home health care services PA 501(c)(3) 10 Concordia Care Network EIN 47-3508524 0 Concordia Physician Practice 134 Marwood Road Cabot PA 16023 473951584 Provide primary physician services PA 501(c)(3) 10 Concordia Care Network EIN 47-3508524 0 Concordia Tele-CareGivers 613 North Pike Road Suite A Cabot PA 16023 251881783 Provide private duty non-medical services PA 501(c)(3) 10 Concordia Care Network EIN 47-3508524 0 Concordia Hospice of Washington 613 North Pike Road Suite B Cabot PA 16023 812448411 Provide inpatient and community hospice patient care PA 501(c)(3) 10 Concordia Care Network EIN 47-3508524 0 Concordia of Ohio 970 Sumner Parkway Copley OH 44321 611682165 Provide skilled nursing, personal care, independent living, and rehabilitative services OH 501(c)(3) 10 Concordia Care Network EIN 47-3508524 0 Concordia of Florida 4100 E Fletcher Avenue Tampa FL 33613 371869372 Provide skilled nursing, personal care, independent living, and rehabilitative services FL 501(c)(3) 10 Concordia Care Network EIN 47-3508524 0 Concordia Medical Equipment 615 North Pike Road Cabot PA 16023 204386767 Rental/sales of medical equipment and supplies PA 501(c)(3) 10 Concordia Care Network EIN 47-3508524 0 Visiting Nurse Association of Indiana County 850 Hospital Road Suite 3000 Indiana PA 15701 237042932 Provide home health and community hospice services PA 501(c)(3) 10 Concordia Care Network EIN 47-3508524 0 Concordia Ministries of New York Inc 134 Marwood Road Cabot PA 16023 863586342 Youth recreation services PA 501(c)(3) 10 Concordia Care Network EIN 47-3508524 0 Bethlen Home of the Hungarian Reformed Federation of America dba Concordia at Bethlen 66 Carey School Road Ligonier PA 15658 250981135 Provide skilled nursing, personal care, independent living, and rehab, home health, & hospice servic PA 501(c)(3) 10 Concordia Care Network EIN 47-3508524 0 Providence Pharmacy Services LP 615 North Pike Road Cabot PA 16023 223885810 Provides institutional pharmacy & consulting PA Concordia Providence LLC Related 0 0 0 0 0 0 0 1 0 0 0 0 0 0 0 0 0 0 0 0 0 1 0 0 Filed IRS Form 8868 for the automatic six month extension. Additional time was needed to gather information and complete Form 990 accurately.