SURPRISE LAKE CAMP (EIN 131623869) - Form 990 Financial Analysis & Trantor Score

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Financial Vulnerability Assessment (Tuckman-Chang)

4 risk indicators measuring financial stability and operational resilience

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Financial Trends

Organization Details

Formation Year

1902

Legal Domicile

Principal Officer

Adam Bendeson

Phone

8452653616

Tax Period

2024-01-01 to 2024-12-31

SURPRISE LAKE CAMP, founded in 1902, is a community nonprofit that reported $4.2M in total revenue in fiscal year 2024. Revenue grew 9% year-over-year, indicating healthy expansion. Expenses of $4.7M exceeded revenue, resulting in a 14% operating deficit.

Mission

THE MISSION OF SURPRISE LAKE CAMP IS TO PROVIDE A HIGH QUALITY JEWISH EXPERIENCE FOR CHILDREN AND YOUNG ADULTS THAT IS SAFE, FUN AND PROMOTES PERSONAL GROWTH.

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Trantor Score

Financial Health Score (300–850) · Liquidity · Solvency · Sustainability · Efficiency

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Liquidity (40%) • Solvency (30%) • Sustainability (20%) • Efficiency (10%)

Financial Overview (2024)

Revenue Breakdown

Contributions & Grants $1,338,481

Program Service Revenue $2,406,511

Investment Income $419,888

Other Revenue $0

TOTAL REVENUE $4,164,880

Expense Breakdown

Grants Paid $334,081

Salaries & Benefits $1,891,545

Fundraising Expenses $169,018

Program Expenses $3,894,124

Other Expenses $2,506,427

TOTAL EXPENSES $4,732,053

Year-over-Year Comparison

	2024	2023	Change
Revenue	$4,164,880	$3,811,413	+0.1%
Expenses	$4,732,053	$4,502,065	+0.1%
Net Income	$-567,173	$-690,652	-0.2%

Key Indicators

✗ Grants to Organizations ✓ Grants to Individuals ✗ Lobbying ✗ Political Activity ✗ Foreign Activities ✗ Donor Advised Fund ✓ Schedule B Required

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Financial Health Indicators

Comprehensive financial analysis: Altman Z-Score, liquidity, solvency, sustainability, efficiency, and growth metrics

Financial Distress Indicator

Liquidity & Cash Position

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Altman Z-Score • Liquidity Ratios • Solvency Analysis • Growth Indicators • Efficiency Metrics

Governance

Voting Members

Independent Members

Employees

235

Volunteers

Governance Policies

✗ Conflict of Interest Policy

✗ Whistleblower Policy

✗ Document Retention Policy

Special Practices & Reported Activities

✗ Operated a School

✗ Operated a Hospital

✗ Provided First Class Travel

⚠ Reported Conflict of Interest

✗ Reported Asset Diversion

✗ Excess Benefit Transaction

✗ Made Political Expenditures

✗ Engaged in Lobbying

✗ Operated Donor Advised Fund

✗ Maintained Art Collections

✗ Filed Form 720

Compensation of Officers, Directors & Key Employees

Total Officers

$214,400

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
ADAM BENDESON	Executive Dir.	40.00	Officer	$194,389	$20,011	$214,400
Sheryl Kirschenbaum	Camp Director	40.00		$112,623	$16,327	$128,950
Charles Jainchill	President	1.00	Officer Director	$0	$0	$0
Matthew Grosshandler	Vice President	1.00	Officer Director	$0	$0	$0
MARK LEVINE	Vice President	1.00	Officer Director	$0	$0	$0
Eve Rubinstein	Vice President	1.00	Officer Director	$0	$0	$0
Cindy Shmerler	Vice President	1.00	Officer Director	$0	$0	$0
Gayle Doyle	Treasurer	1.00	Officer Director	$0	$0	$0
Jordana Zbar	Asst. Treasurer	1.00	Officer Director	$0	$0	$0
Blair Klaff	Secretary	1.00	Officer Director	$0	$0	$0
Robert Altabet	Director	1.00	Director	$0	$0	$0
Margery Arsham	Director	1.00	Director	$0	$0	$0
DR JOSEPH GOLDBERG	Director	1.00	Director	$0	$0	$0
DAYLE HENSHEL	Director	1.00	Director	$0	$0	$0
JOY HENSHEL	Director	1.00	Director	$0	$0	$0
PATTI HENSHEL	Director	1.00	Director	$0	$0	$0
PETER HIRSCH	Director	1.00	Director	$0	$0	$0
Alan Hoffman	Director	1.00	Director	$0	$0	$0
Stanley Josephson	Director	1.00	Director	$0	$0	$0
Alan Kleiman	Director	1.00	Director	$0	$0	$0
Linda Markowitz	Director	1.00	Director	$0	$0	$0
James Meyer	Director	1.00	Director	$0	$0	$0
Jerry Meyer	Director	1.00	Director	$0	$0	$0
Laurence H Rubinstein	Director	1.00	Director	$0	$0	$0
Peter Baum	Director	1.00	Director	$0	$0	$0
Eliot Senor	Director	1.00	Director	$0	$0	$0
Seth Stein	Director	1.00	Director	$0	$0	$0
Bret Tenenhaus	Director	1.00	Director	$0	$0	$0
Michael Zbar	Director	1.00	Director	$0	$0	$0
Michele Mark Levine	Director	1.00	Director	$0	$0	$0

Note: Compensation data is self-reported by the organization on their Form 990. "Reportable Comp" includes salary, bonuses, and other reportable compensation from the organization and related organizations. "Other Comp" includes benefits, deferred compensation, and non-taxable benefits.

Historical Data

Year	Revenue	Expenses	Assets	Net Income
2024	$4,164,880	$4,732,053	$13,817,801	$-567,173
2023	$3,811,413	$4,502,065	$14,047,406	$-690,652
2022	$5,365,699	$4,153,632	$13,985,275	$1,212,067
2021	$3,893,782	$4,438,796	$16,694,153	$-545,014
2020	$2,112,940	$2,022,667	$15,517,461	$90,273
2019	$4,537,981	$4,590,423	$14,175,790	$-52,442
2018	$4,183,994	$4,619,540	$13,244,275	$-435,546

SURPRISE LAKE CAMP