Form 990 for tax year 2025

Totals

Total revenue

$278,771,265

Total expenses

$296,372,221

Contributions and grants received

$0

Grants paid

$0

Program service revenue

$278,771,265

Investment income

$0

Other revenue

$0

Total assets, end of year

$220,245,647

Total liabilities, end of year

$45,284,453

Net assets or fund balances, end of year

$174,961,194

Program services expenses (Part IX)

$296,372,221

Management and general expenses

$0

Fundraising expenses

$0

Program service expenses (Part III)

$296,372,221

Program services were 100.0% of total expenses calculated — Part IX's program-services column over total expenses, both as filed.

Line items

Every line the filer filed in Parts VIII, IX and X, as filed and in filed order. Blank columns are left out, and the lines are not forced to add up to the totals above.

Mission and programs · 2025

• 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.

  Expenses $184,521,863

• Healthcare delivery: Provided prescription drug coverage totaling $49,927,844

  Expenses $49,927,844

• Healthcare delivery: Provided vision service plan totaling $2,249,465

  Expenses $2,249,465

• 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

  Expenses $59,673,049

As filed on the 2025 return.

Listed in Part VII

Compensation is as filed in Part VII: reportable pay from this organization and from related organizations, other compensation, and hours per week. The total, marked calculated, is our sum of the three dollar columns, with a blank column counted as $0; the form itself has no total. On a Form 990-EZ the columns are Part IV's instead, and on a Form 990-PF Part VIII's — compensation, contributions to benefit plans, and expense account — and the total sums those.

Grants on this return

No itemized grants to organizations on this return.

Related organizations on this return

Schedule R Part II: tax-exempt organizations related to the filer by control. It does not record shared board members or money.

• The Lutheran Church Missouri Synod

  501(c)(3) · VEBA sponsoring organization · MO

• Concordia Plan Services

  501(c)(3) · Administers the plans/trusts of The LCMS · MO

• Concordia Disability and Survivor Plan

  501(c)(9) · Provides disability & survivor benefits to the employees and dependents of The LCMS. · MO

Provenance

Return type

form_990

Tax year

2025

Filed

13 August 2026

IRS schema version

2025v4.0

Source object

202612259349300606

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