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CRUDEN BAY RISK RETENTION GROUP INC

EIN 27-0057453 BURLINGTON, VT

Revenue 2024
$6,565,471
Expenses 2024
$1,248,728

Program services were 85.6% of total expenses calculated — Part IX's program-services column over total expenses, both as filed.

As filed

Subsection
03
NTEE code
Y990
Classification
1000
Street
126 COLLEGE ST STE 300

These codes are the IRS's own and are shown exactly as filed. What each one means is in the Business Master File documentation (opens in a new tab).

Officers and directors · 2024

As listed in Part VII of the 2024 return, in the order the filer printed them. Each return names its own; this is not a roster the organization keeps with us.

  • DR MICHAEL ERHARD

    DIRECTOR (TO AUG '24)

    Total calculated
    $1,727,108
    From this org
    $0
    From related orgs
    $1,607,723
    Other
    $119,385
    Hours/week
    2 + 43 related

    Schedule J breakdown matched by us

    Base
    $0 + $559,819 related
    Bonus
    $0 + $277,648 related
    Other
    $0 + $770,256 related
    Deferred
    $0 + $67,988 related
    Nontaxable benefits
    $0 + $51,397 related
    Filer's total
    $0 + $1,727,108 related

  • RODNEY MCKENDREE

    PRESIDENT AND TREASURER

    Total calculated
    $1,600,960
    From this org
    $0
    From related orgs
    $1,406,775
    Other
    $194,185
    Hours/week
    1 + 42 related

    Schedule J breakdown matched by us

    Base
    $0 + $896,298 related
    Bonus
    $0 + $341,568 related
    Other
    $0 + $168,909 related
    Deferred
    $0 + $142,329 related
    Nontaxable benefits
    $0 + $51,856 related
    Filer's total
    $0 + $1,600,960 related

  • LAURA KOWAL

    DIRECTOR (TO AUG '24)

    Total calculated
    $901,754
    From this org
    $0
    From related orgs
    $792,211
    Other
    $109,543
    Hours/week
    2 + 42 related

    Schedule J breakdown matched by us

    Base
    $0 + $579,031 related
    Bonus
    $0 + $165,768 related
    Other
    $0 + $47,412 related
    Deferred
    $0 + $63,603 related
    Nontaxable benefits
    $0 + $45,940 related
    Filer's total
    $0 + $901,754 related

  • RYAN GADAPEE

    SECRETARY AND DIRECTOR

    Total calculated
    $0
    Hours/week
    2

  • WILLIAM W HIGGINBOTHAM II

    ASSISTANT TREASURER

    Total calculated
    $650,431
    From this org
    $0
    From related orgs
    $552,507
    Other
    $97,924
    Hours/week
    3 + 45 related

    Schedule J breakdown matched by us

    Base
    $0 + $374,554 related
    Bonus
    $0 + $127,635 related
    Other
    $0 + $50,318 related
    Deferred
    $0 + $42,840 related
    Nontaxable benefits
    $0 + $55,084 related
    Filer's total
    $0 + $650,431 related

  • ROBERT D BRIDGES

    TREASURER AND DIRECTOR (TO AUG '23)

    Total calculated
    $413,612
    From this org
    $0
    From related orgs
    $413,612
    Other
    $0
    Hours/week
    0

    Schedule J breakdown matched by us

    Base
    $0
    Bonus
    $0
    Other
    $0 + $413,612 related
    Deferred
    $0
    Nontaxable benefits
    $0
    Filer's total
    $0 + $413,612 related

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 — compensation, contributions to benefit plans, and expense account — and the total sums those. A Schedule J breakdown is as filed: base pay, bonus, other, deferred compensation and nontaxable benefits from this organization, with any from related organizations beside each, and the filer's own total. It is shown with the Part VII listing of the same name on the same return. The form gives no key between the two, so that pairing is ours, and is marked matched by us. Earlier years are each on their own filing page.

Filings

  • 2024
    Revenue
    $6,565,471
    Expenses
    $1,248,728
    Contributions
    $0
    Grants paid
    $0
  • 2023
    Revenue
    $6,178,150
    Expenses
    $6,363,676
    Contributions
    $0
    Grants paid
    $0
  • 2022
    Revenue
    $6,149,537
    Expenses
    $4,986,207
    Contributions
    $0
    Grants paid
    $0

The four totals the IRS asks for on Part I of the Form 990, as filed. A dash means the figure was not present on the return — not that it was zero.

Grants made

No itemized grants to organizations. Schedule I is filed only by organizations that granted more than $5,000 to a recipient, so most filers have none.

Grants received

No itemized grant names this organization as a recipient. Only grants over $5,000 are itemized, and only by filers of the full Form 990.

Related organizations

From Schedule R Part II, where a filer lists the tax-exempt organizations it is related to by control. It does not record shared board members or money.

Declared on its 2024 return

Declared as related by

Other IRS files

Auto-Revocation List

Not listed. The IRS publishes this list for organizations whose exemption was automatically revoked for failing to file for three consecutive years.

Publication 78

Listed as of 10 September 2026, under deductibility SOUNK.

These are two separate IRS files on two separate schedules, shown as published and not reconciled with each other. Neither is a statement about whether a contribution is deductible today: 19,245 organizations appear in Publication 78 while the IRS's own revocation file lists them as currently revoked, more than half of those revoked before 2019. Absence from Publication 78 is evidence of nothing, and presence is not evidence either. Verify current status with the IRS before relying on it.