CONSUMER DIRECTED CHOICES INC

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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

1997

Legal Domicile

Principal Officer

CHRISTOPHER GRABER

Phone

5184640810

Tax Period

2024-01-01 to 2024-12-31

CONSUMER DIRECTED CHOICES INC, founded in 1997, is a mid-sized nonprofit in the Human Services sector that reported $90.5M in total revenue in fiscal year 2024. Revenue surged 29% from the prior year, signaling strong growth momentum. Expenses of $84.2M left a modest 7% surplus.

Mission

AS THE PREMIER PROVIDER OF CONSUMER-DIRECTED PERSONAL ASSISTANCE WE EMPOWER INDEPENDENCE AND ADVOCATE FOR PEOPLE WITH DISABILITIES, SENIORS, AND THEIR FAMILIES.

Program Service Accomplishments

Program 1

Expenses: $81,929,181 Revenue: $89,714,816

IN FULFILLMENT OF ITS RESPONSIBILITIES UNDER VARIOUS CONSUMER DIRECTED PROGRAMS, CDCHOICES SERVES AS A FISCAL INTERMEDIARY FOR CONSUMERS/DESIGNATED REPRESENTATIVES. AMONG ITS FISCAL INTERMEDIARY...

IN FULFILLMENT OF ITS RESPONSIBILITIES UNDER VARIOUS CONSUMER DIRECTED PROGRAMS, CDCHOICES SERVES AS A FISCAL INTERMEDIARY FOR CONSUMERS/DESIGNATED REPRESENTATIVES. AMONG ITS FISCAL INTERMEDIARY SERVICES IS TO PROVIDE PAYROLL AND BENEFITS SERVICES FOR 3,426 EMPLOYEES OF CONSUMERS/DESIGNATED REPRESENTATIVES. AS SUCH, OF THE REPORTED EMPLOYEES IN PART I, LINE 5, ONLY 60 ARE EMPLOYEES OF CONSUMER DIRECTED CHOICES. THE REMAINING INDIVIDUALS REPORTED ARE THOSE FOR WHOM CDCHOICES PROVIDES PAYROLL SERVICES ON BEHALF OF CONSUMERS/DESIGNATED REPRESENTATIVES.

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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 $27,742

Program Service Revenue $89,714,816

Investment Income $766,980

Other Revenue $0

TOTAL REVENUE $90,509,538

Expense Breakdown

Grants Paid $100,000

Salaries & Benefits $79,618,236

Fundraising Expenses $0

Program Expenses $81,929,181

Other Expenses $4,450,970

TOTAL EXPENSES $84,169,206

Year-over-Year Comparison

	2024	2023	Change
Revenue	$90,509,538	$69,896,669	+0.3%
Expenses	$84,169,206	$66,171,574	+0.3%
Net Income	$6,340,332	$3,725,095	+0.7%

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

3486

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

$967,612

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
THOMAS SCOTT CEHOWSKI	DIRECTOR	1.00	Director	$0	$0	$0
EILEEN SCANLAN	CHAIRPERSON	1.00	Officer Director	$0	$0	$0
THOMAS GRIMES	TREASURER	1.00	Officer Director	$0	$0	$0
GREG GIULIANO	VICE CHAIRPERSON	1.00	Officer Director	$0	$0	$0
RYAN K MICKLUS	SECRETARY	1.00	Officer Director	$0	$0	$0
TAMMY REHM	DIRECTOR	1.00	Director	$0	$0	$0
THOMAS MCGARRY	DIRECTOR	1.00	Director	$0	$0	$0
THERESA TERRY WAITT	DIRECTOR	1.00	Director	$0	$0	$0
KIM GANDER	DIRECTOR	1.00	Director	$0	$0	$0
ARIEL RUIZ	DIRECTOR	1.00	Director	$0	$0	$0
JANE-MARIE SCHAEFFER ESQ	DIRECTOR	1.00	Director	$0	$0	$0
CHRISTOPHER GRABER	CEO	38.00	Officer	$457,806	$248,546	$706,352
HONGWEI ZHANG	SENIOR VP OPERATIONS	38.00	Officer	$199,541	$61,719	$261,260
BRIAN FRASIER	CONTROLLER	38.00	Highest	$181,630	$36,338	$217,968
ANDREW DELOLLO	DIRECTOR OF FINANCIAL PLANNING & ANALYSIS	38.00	Highest	$140,180	$40,464	$180,644
KRISTINA HUNTER	DIRECTOR OF PROGRAMS	38.00	Highest	$125,583	$36,734	$162,317
MELISSA GROVES	COMPLIANCE MANAGER	38.00	Highest	$103,258	$43,337	$146,595
BENJAMIN GIBSON	IT SUPERVISOR	38.00	Highest	$101,692	$44,036	$145,728

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
2025	No data	No data	No data	No data
2024	$90,509,538	$84,169,206	$33,733,110	$6,340,332
2023	$69,896,669	$66,171,574	$26,069,434	$3,725,095
2022	$54,936,298	$52,390,940	$21,225,544	$2,545,358
2021	$46,559,698	$44,197,385	$21,497,712	$2,362,313
2021	$46,559,698	$44,197,385	$21,497,712	$2,362,313
2020	$40,611,095	$39,682,054	$16,965,430	$929,041
2019	$36,198,947	$35,365,765	$14,349,574	$833,182
2018	$32,182,242	$31,888,252	$10,103,362	$293,990