2011-12-13T17:39:26-06:00 2011-01-31 990 2010-02-01 363478388 Covenant Retirement Communities Inc COVE 7738782294 5700 Old Orchard Rd Skokie IL 60077 Elizabeth Buikema 7738782294 2011-12-13 2010 2016-02-24 21:20:13Z Elizabeth Buikema c/o CRC 5700 Old Orchard Rd Skokie IL 60077 32731291 0 2650 X www.covenantretirement.org X 1980 IL Care for senior adults. 19 15 111 20 450226 -220253 2726511 2379 20096703 21719257 22981567 9165695 1653846 1813970 47458627 32701301 0 26250 0 0 7709255 8173441 0 0 1480641 16730661 17705632 24439916 25905323 23018711 6795978 130296468 140802070 95743919 99074796 34552549 41727274 X As a ministry of the Evangelical Covenant Church, Covenant Retirement Communities celebrates God's gift of life in Christian community. We follow the Great Commandment to love and serve God and one another as taught by Jesus Christ. (SEE SCHEDULE O) 0 0 19264673 26250 19609394 The number of persons residing at the continuing care retirement communities, operated by Covenant Retirement Communities, Inc. (CRC), who benefited from the services we provided for the year ended January 31, 2011 were as follows:Residential & Catered Living: There were a total of 3,392 residents, occupying 2,605 apartments at 01/31/2011. Residency for the fiscal year totaled 1,268,311 resident days.Assisted Living: There were a total of 605 assisted living residents at 01/31/2011. Assisted living residency for the fiscal year totaled 226,350 patient days.Skilled Nursing: There were a total of 795 skilled care patients at 01/31/2011. Skilled care residency for the fiscal year totaled 292,901 patient days. 1632315 3316045 Estates of Windsor Park:The number of persons who benefited from the services we provided for the year ended January 31, 2011 were as follows:There were a total of 92 residents, occupying 60 apartments at 01/31/2011. Residency for the fiscal year totaled 34,305 resident days. 453710 566610 Geneva Place:The number of persons who benefited from the services we provided for the year ended January 31, 2011 were as follows:There were a total of 31 residents, occupying 26 apartments at 01/31/2011. Residency for the fiscal year totaled 9,269 resident days. The organization was involved in various community benefits projectswhich include the following:-Staff members volunteered a total of 76 hours of their time tovarious places/activities in the community (equivalent to$12,800)- Monetary Donations to a various organizations/events such North Park University Golf for Kids and Axelson Center Symposium, American Association of Homes and Services for the Aging (AAHSA), United Methodist Home, Evangelical Covenant Church and Swedish Covenant Hospital (total of $29,350) 21350698 1 1 0 1 0 0 0 1 1 1 1 0 1 1 0 0 1 0 0 0 0 0 0 0 0 0 1 0 1 0 0 0 0 0 0 1 0 0 0 0 0 1 1 1 1 1 0 1 124 0 1 111 1 1 1 1 BD 0 0 0 0 0 0 0 0 X 19 15 0 0 0 0 1 1 1 1 1 0 0 1 1 1 1 1 1 1 1 0 IL X Elizabeth Buikema 7738782294 C/O CRC 5700 Old Orchard Rd Skokie IL 60077 X Curtis B Anderson 1.00 X 0 0 0 Rev Richard B Berry 1.00 X 0 0 0 Wendell Danielson 1.00 X 0 0 0 Rev Harvey Drake 1.00 X 0 0 0 James Elving 1.00 X 0 0 0 Marc E Espinosa 1.00 X 0 0 0 Lorene G Flewellen 1.00 X 0 0 0 Beverly A Freeman 1.00 X 0 0 0 Rhoda Friesen 1.00 X 0 0 0 Donald Holt 1.00 X 0 0 0 Mary Miller 1.00 X 0 0 0 Cletus J Moll 1.00 X 0 0 0 Joyce Peterson 1.00 X 0 0 0 Norton Richards 1.00 X 0 0 0 Walter Schiller 1.00 X 0 0 0 Jean A Stebinger 1.00 X 0 0 0 John C Swanson 1.00 X 0 0 0 Anne Vining 1.00 X 0 0 0 David A Dwight 1.00 X 0 571606 115344 Rick K Fisk 40.00 X X 0 538086 87445 Robert K Johnston 1.00 X 0 0 0 Gary Walter 1.00 X 0 148660 113514 Steven P Anderson 40.00 X 192411 0 58709 Elizabeth B Buikema 40.00 X 269952 0 47324 Moraine M Byrne 40.00 X 212629 0 38590 Terri S Cunliffe 40.00 X 215784 0 45700 John R Harriff 40.00 X 197364 0 44229 David G Erickson 40.00 X 201342 0 28760 Kathleen Jenkins 40.00 X 115714 0 49654 Sneha Patel 40.00 X 160615 0 29748 Thomas V Pluta 40.00 X 155479 0 24073 Rebecca N Townsend 40.00 X 238587 0 69092 Robert J Wall 40.00 X 146291 0 25486 Jeff Lundeen 40.00 X 213698 0 40106 Oliver Walker 40.00 X 105771 0 13439 2425637 1258352 831213 25 1 1 0 Moving Station LLC 100 N LaSalle St Suite 300 Chicago IL 60602 Home Purchase Program 746130 Arch Consultants Ltd 250 Parkway Drive Suite 166 Lincolnshire IL 60069 Consultant 467395 Deloitte & Touche LLP PO Box 7247-6446 Philadelphia PA 191706446 Audit 411755 Erickson Papanek Peterson Rose 1625 Shermer Road Northbrook IL 60062 Legal Consultants 139819 Health Dimensions Consulting Inc 400 Baker Road Suite 100 Minneapolis MN 55343 Consultant 124581 7 2379 2379 Management Fees 561000 14525709 14525709 Entrance Fee 623000 2665102 2665102 Routine Services 623000 2502864 2502864 Development Services 541900 2023934 1573708 450226 Ancillary Service 623000 1648 1648 21719257 3257886 3257886 71168 29990 41178 41178 41178 5906408 1401 5906408 1401 5907809 5907809 Support Services 623000 25753 25753 1747039 1747039 1772792 32701301 23041823 450226 9206873 26250 26250 1516013 1516013 5091078 4718416 248885 123777 152825 133431 9794 9600 1038643 988503 26786 23354 374882 346644 18597 9641 87057 53540 33517 197502 179204 18298 178705 174130 4575 478255 478255 2652131 2268857 368803 14471 245575 96853 148316 406 337633 301962 21681 13990 2804847 2804847 467296 461181 6115 841405 805639 928 34838 50553 49098 741 714 1762260 964389 778735 19136 2728681 2006236 459701 262744 199399 199399 Related Party Payments 1939664 832947 139252 967465 Admin & General 771735 687882 83853 Taxes 559335 79441 479894 Resident Care Services 326925 326925 Maintenance 301623 85676 215947 775051 764980 9566 505 25905323 21350698 3073984 1480641 365022 755823 15078021 6910142 64512 13253 1111215 1695163 7500 7467 2627335 2482069 59028309 15515544 44904140 43512765 22832740 34517045 7956364 13896966 35349619 37011377 130296468 140802070 7131331 9302328 12424700 11271325 17976766 17631461 13470 14420 58197652 60855262 95743919 99074796 X 30399709 37195688 674435 626822 3478405 3904764 34552549 41727274 130296468 140802070 X 6795978 378746 X 0 1 1 X 0 X X X 0 0 0 Colonial Acres Home Inc 418041150 9 1 1 1 350000 Bethany Covenant Home 410706103 9 1 1 1 0 Covenant Village of Florida 521115870 9 1 1 1 300000 Covenant Home Illinois 362643638 9 1 1 1 0 Covenant Healthcare Centers Inc 521115873 9 1 1 1 0 The Holmstad 362835154 9 1 1 1 0 Covenant Home of Chicago 363095932 9 1 1 1 0 Covenant Home Inc Connecticut 131740015 9 1 1 1 300000 Covenant Retirement Communities West 953472345 9 1 1 1 20988 Covenant Village of Colorado 841084331 9 1 1 1 0 Windsor Park Manor 363385581 9 1 1 1 0 Covenant Retirement Communities of the Great Lakes Conference 383244636 9 1 1 1 0 Covenant Home Services 260744025 9 1 1 1 0 Covenant Retirement Services 272480652 11 1 1 1 0 14 970988 RESTRICTED RESTRICTED RESTRICTED RESTRICTED RESTRICTED RESTRICTED RESTRICTED RESTRICTED 0 0 0 0 0 1 15000 0 0 0 15000 0 Part IV, Supplemental Information: Part II-B Line 1(f): Grants to Other Organization for Lobbying Purposes Covenant Retirement Communities made a $15,000 contribution to AAHSA Legal Fund which was used to help a member from Montana, Mission Ridge, contest an IRS allegation that the organization's bond issue violates arbitrage yield restrictions. This is a case which AAHSA (American Association of Homes and Services for the Aging) believes could have significant, negative implications for the ways CCRCs are financed. 0 1 3478405 446318 -19959 3904764 2752445 752986 -27026 3478405 3527337 -729844 45048 2752445 0 0 11306187 11306187 33507712 4394357 29113355 13058526 11096412 1962114 1155884 24775 1131109 43512765 Mortgages 111452 F Domestic Equity 1887112 F International Equity 3105362 F Hedge Funds & Derivatives 4831666 F Private Equity 2155845 F International Real Estate 1805529 F 13896966 Self Insurance Reserve - Workers Compensation 75672 Unamortized Debt & Related Expenses 648260 Other Investments 18112375 Inter-company Advance Accounts 18089544 Other Assets 85526 37011377 Refundable Contract Liabilities 2325188 Accrued Taxes & Employee Benefits 1001364 Inter-company Advance Accounts 31786612 Other Liabilities 25742098 60855262 32701301 25905323 6795978 378746 378746 7174724 Part IV, Line 2b: Part IV, line 2b: Resident Entrance Fee Account: Prospective residents pay an application fee deposit which is carried in an escrow account. At move in, the deposit is applied against the total entrance fee amount and the remainder of the money is collected and put in this account. At the end of the month the resident has moved in, all money is transferred out of the escrow account. Description of Intended Use of Endowment Funds: Part V, Line 4: The Brandel Endowment Fund is used for resident care at one of the CRC campuses. Description of Uncertain Tax Positions Under FIN 48: Part X: A FIN 48 footnote was not included in the consolidated audited financial statements of Covenant Retirement Communities, Inc. A FIN 48 analysis was completed for Covenant Retirement Communities, Inc. and it did not have a material impact on the financial position or results of operations. Part XI, Line 8 - Other Adjustments: Change in Temporarily Restricted Net Assets not included on Income Stmnt -47,613. Change in Permanently Restricted Net Assets not included on Income Stmnt 426,359. 1 North Park University 3225 Foster Avenue Chicago IL 60625 501(c)(3) 6000 Annual Symposium and other sponsorship American Association of Homes and Services for the Aging (AAHSA) 2519 Connecticut Avenue NW Washington DC 20008 501(c)(3) 15000 Mission Ridge Defense Fund Swedish Covenant Hospital 5145 N California Ave Chicago IL 60625 501(c)(3) 5250 Benefit Gala 3 Procedure for Monitoring Grants in the U.S.: Part I, Line 2: Schedule I, Part I, Line 2: Grants and donation requests and proposals are brought to Covenant Retirement Communities'(CRC) management. The management then brings requests and proposals deemed appropriate to the CRC Board for approval, if significant. A check goes out after the appropriate level of approval is received. X X 1 1 X X X X X 1 1 0 0 0 0 0 1 0 David A Dwight 0 510979 0 0 0 60627 0 85776 0 29568 0 686950 0 0 Rick K Fisk 0 370403 0 130023 0 37660 0 71690 0 24115 0 633891 0 9534 Gary Walter 0 148660 0 0 0 0 0 27082 0 86432 0 262174 0 0 Steven P Anderson 145268 0 30547 0 16596 0 41797 0 22581 0 256789 0 10259 0 Elizabeth B Buikema 198408 0 39225 0 32319 0 24656 0 24621 0 319229 0 10513 0 Moraine M Byrne 155268 0 35675 0 21686 0 24929 0 15826 0 253384 0 8244 0 Terri S Cunliffe 151562 0 31369 0 32853 0 37247 0 10719 0 263750 0 0 0 John R Harriff 125169 0 34080 0 38115 0 30819 0 18998 0 247181 0 0 0 David G Erickson 142537 0 32865 0 25940 0 9874 0 23996 0 235212 0 0 0 Kathleen Jenkins 71285 0 7500 0 36929 0 33794 0 17549 0 167057 0 4408 0 Sneha Patel 123654 0 5000 0 31961 0 13242 0 18198 0 192055 0 0 0 Thomas V Pluta 120197 0 7500 0 27782 0 17636 0 10914 0 184029 0 0 0 Rebecca N Townsend 175920 0 37045 0 25622 0 47436 0 24956 0 310979 0 11990 0 Robert J Wall 107668 0 0 0 38623 0 19174 0 8435 0 173900 0 2676 0 Jeff Lundeen 163193 0 24500 0 26005 0 22527 0 20924 0 257149 0 0 0 Oliver Walker 17037 0 0 0 88734 0 0 0 14397 0 120168 0 4374 0 Part I, Line 1a Part I, Line 1a: The following are available benefits and are treated as taxable compensation: - Travel for companion paid for one (1) senior-level employee. - Health club dues paid for nine (9) senior-level employees. Part I, Lines 4a-b Part I, Line 4a: Oliver Walker, former Senior Vice President of Covenant Retirement Communities, Inc. (CRC) until January 2010, received $75,288.35 severance payment from CRC. Part I, Line 4b: Executive Benefit Plan Covenant Ministries of Benevolence (CMB) provides certain supplemental retirement benefits to its officers and key employees. These benefits are provided through a nonqualified deferred compensation plan, under which a portion of the benefits being earned are subject to a "substantial risk of forfeiture." The supplemental retirement benefits are structured to provide a retention incentive that has been determined by the Compensation Committee of CMB's Board to be of substantial value to the organization. The Committee approves all retirement benefits, together with all other forms of compensation and benefits for these and other executives, in a manner intended to qualify for the rebuttable presumption of reasonableness under the intermediate sanctions rules of federal income tax law. The following listed individuals participated in the Executive Benefit Plan: David Dwight - $47,991.81 Rick Fisk - $34,207.02 Elizabeth Buikema - $11,583.58 Steven P. Anderson - $13,334.46 John R. Harriff - $13,818.86 Terri Cunliffe - $9,889.30 David Erickson - $12,754.58 Oliver Walker - $857.40 Kathleen Jenkins - $7,046.80 Moraine Byrne - $9,796.00 Rebecca Neth Townsend - $12,733.40 Jeff Lundeen - $11,573.33 Sneha Patel - $8,153.00 Thomas Pluta - $10,806.33 Robert Wall - $8,905.50 Oliver Walker - $857.40 Pension Restoration Plan As certain individuals' pension benefits may be limited by tax code maximums on both eligible compensation and benefits, Covenant Ministries of Benevolence (CMB) provides a Pension Restoration Plan which entitles the individuals listed below to a pension benefit based on total cash compensation. David A. Dwight - $8,596 Rick K. Fisk - $9,273 Part I, Line 7 Part I, Line 7: The following applies to certain individuals listed on Part VII whose compensation is paid from related organizations: The Executive Compensation Committee (the "Committee") follows a prescribed method for calculating bonuses. The calculation is based on measurable targets determined at the beginning of the year. The Committee has the ability to adjust the dollar value of the calculated awards by up to 10%. The adjustment can be an upward or downward adjustment based on various performance factors. Refer to additional information on the Committee included in Schedule O. Supplemental Information Part III Part II, Column B (i): Base compensation for certain individuals may include payments from deferred compensation plans. Part II, Column B (ii): Bonus and incentive compensation - Certain key persons employed by CRC are eligible for incentive compensation as determined by the CRC Board Compensation Committee. Incentives paid in 2010 relate to the achievement of targets for the fiscal year ended 1/31/2010. Part II, Column C: Deferred compensation includes an estimate of the contribution made to an employer sponsored defined benefit pension plan. Part II, Column D: Nontaxable benefits include health insurance premiums paid by the employer and employee. Grant Erickson See Part V 139819 See Part V 0 Sch L Part IV (b) and (d) Business Transactions Involving Interested Persons b) Relationship Between Interested Person and Organization: Familymember of David Erickson (Vice President & Assistant Secretary)d) Description of Transaction: Partner in a law firm that provideslegal counsel to the organization. Form 990, Part VI, Section A, line 6 The members are the individual members of the Board of Benevolence. Form 990, Part VI, Section A, line 7a The individual members of the Board of Benevolence elect the CRC Board of Directors. Form 990, Part VI, Section A, line 7b S 2.4 of Bylaws include reserved powers to the members such as appointment of president of Covenant Retirement Communities, Inc. (CRC), changes to mission and strategic plan, approval of certain acquisitions, dispositions and financings, changes to articles and bylaws. Form 990, Part VI, Section B, line 11 Management Review: The draft Form 990 was reviewed by multiple levels of management including the President of CRC, the Vice President of Finance/CFO and the Vice President of Legal Affairs. Board Review: Prior to filing, key provisions of the Form were discussed with the Board of Directors at the Board meeting and the final Form 990 was provided to each Board member. Form 990, Part VI, Section B, line 12c Covenant Retirement Communities, Inc. (CRC) has an Administrative Policy on conflict of interest, identifying the parameters of a conflict of interest and the requirement to disclose any such conflict of interest. Each January, the CRC policy is distributed to CRC board members and officers. They are asked to sign acknowledging receipt of the policy and to disclose if they have any conflict of interests. If someone is absent from the meeting or fails to return the acknowledgment, there is a follow-up with the individual until the signed acknowledgment is provided. In addition to the above, a separate and more comprehensive questionnaire is sent to the board members, officers, key employees and other interested persons. The completed questionnaires are reviewed by CRC's legal counsel to determine if any actual or potential conflicts exist. If a person becomes an interested person, he or she may be considered in determining whether a quorum is present. The interested person may make a short statement relating to the transaction or arrangement in question, but shall not be present during the discussion and shall not vote on the motion addressing the actual or potential conflict. Form 990, Part VI, Section B, line 15 CRC's Board of Directors has duly appointed an Executive Compensation Committee (the "Committee"), which is responsible for the review and approval of all compensation and benefits provided to CRC's executive management. The Committee has adopted a written Executive Compensation Philosophy Statement and an Executive Compensation Committee Charter governing the work and review process of the Committee. The Committee follows the procedures described in the Philosophy Statement and the Charter when it reviews and approves the compensation and employee benefits provided to the CRC's senior management. The Committee's review analyzes every element of compensation, including current and deferred compensation, and benefits, including qualified and non-qualified benefits. The Committee conducts its review and approval process at least annually, and approves compensation and benefits only to the extent that the Committee has concluded that the compensation and benefits constitute no more than reasonable compensation for each executive. The Committee consists entirely of disinterested members of the Board, and the Committee works with an independent compensation consultant to prepare and review in advance comprehensive data showing the compensation provided by similarly situated organizations for functionally similar positions. The Committee also prepares a timely and thorough written record of its deliberations and conclusions. As a result, the Committee's review process is designed to satisfy the procedural criteria necessary to qualify for the rebuttable presumption of reasonableness under the federal income tax law intermediate sanctions rules. Form 990, Part VI, Section C, line 18 Form 990, Part VI, Section C, Line 18: A copy of the organization's Form 990 and Form 990-T are available upon request by contacting the CRC accounting department at 773-878-5744. Form 990, Part VI, Section C, line 19 Form 990, Part VI, Section C, Line 19: The governing documents, conflict of interest policy and financial statements are available upon request by contacting the CRC accounting department at 773-878-5744. Related Organizations Form 990 - Part VII - Section A Officers and Directors devote less than 1 hour per week to related organizations. Changes in Net Assets or Fund Balances: Form 990, Part XI, line 5: Change in Temporarily Restricted Net Assets not included on Income Stmnt -47,613. Change in Permanently Restricted Net Assets not included on Income Stmnt 426,359. Total to Form 990, Part XI, Line 5: 378,746. Mission Statement Form 990 - Part III - Line 1 As a ministry of the Evangelical Covenant Church, Covenant Retirement Communities celebrates God's gift of life in Christian community. We follow the Great Commandment to love and serve God and one another as taught by Jesus Christ. That compels us to affirm the dignity of each person and to pursue excellence and financial integrity in all that we do. As we provide a broad range of resources, services and programs to enhance individual and community wellness, we collaborate with residents and families to achieve the best possible results. While seeking to foster independence, we respond to each individual's evolving needs in order to provide the security that assures peace of mind. CRC, Inc. is organized and operated for the benefit of, and to plan and support the charitable purposes of, several continuing care retirement communities, all nonprofit organizations, consisting of residential living, assisted living facilities, and skilled nursing homes, as well as other senior services organizations and services. In addition to the program service accomplishments of each organization, Covenant Retirement Communities, Inc., provided $5,999,453 of free or discounted services to those residents unable to pay all or a portion of their charges, and who meet certain eligibility requirements. Estates of Windsor Park 5700 Old Orchard Road Skokie IL 60077 363478388 Residential Senior Services IL 3549480 23929113 N/A Covenant Solutions Business and Development Support LLC 5700 Old Orchard Road Skokie IL 60077 363478388 Building Development Services & Strategic Planning IL 2024205 1660732 N/A CRC Holdings One LLC 5700 Old Orchard Road Skokie IL 60077 363478388 Property Management IL 1456382 11340203 N/A Covenant Holdings Two LLC 5700 Old Orchard Road Skokie IL 60077 363478388 Rental Senior Housing IL 566610 6737548 N/A Covenant Land Company LLC 5700 Old Orchard Road Skokie IL 60077 363478388 Property Management IL 0 0 N/A Evangelical Covenant Church 8303 West Higgins Road Chicago IL 60631 362167730 Church IL 501(c)(3) Line 1 N/A 0 Swedish Covenant Faculty Group (SCFG) 5145 North California Avenue Chicago IL 60625 363686216 Patient Treatment/Education IL 501(c)(3) Line 11a, I Swedish Covenant Hospital 0 Swedish Covenant Hospital 5145 North California Avenue Chicago IL 60625 362179813 Hospital IL 501(c)(3) Line 3 Covenant Ministries of Benevolence 0 Swedish Covenant Hospital Foundation (SCHF) 5145 North California Avenue Chicago IL 60625 205055155 Supporting Organization of SCH IL 501(c)(3) Line 7 Swedish Covenant Hospital 0 SC Insurance Company 6970 E Chauncey Lane Suite 100 Phoenix AZ 85054 273312053 Insurance AZ 501(c)(3) Line 11a, I Swedish Covenant Hospital 0 Cardiovascular Performance Group LLC 5145 N California Avenue Chicago IL 60625 203587272 Management Services IL N/A N/A 0 0 Coast Asset Management LLC 2450 Colorado Ave Suite 100 E Tower Santa Monica CA 90404 954763400 Hedge Fund Investment CA N/A N/A 0 0 Covenant Village of Portland LP 420 NE Mason St Portland OR 97211 364356838 Assisted Living Community OR N/A N/A 0 0 LifeConnect LLC 5700 Old Orchard Road Skokie IL 60077 272827919 Wellness Software Developement IL N/A N/A 0 0 Management Services Organization LLC 5700 Old Orchard Road skokie IL 60077 272827998 Management & Consulting Services IL N/A N/A 0 0 Swedish Covenant Surgery LLC 5215 N California Avenue Chicago IL 60625 272485300 Outpatient Medical Services IL N/A N/A 0 0 Covenant International Insurance Company Ltd Crawford House 50 Cedar Avenue Hamilton BD Insurance BD N/A 675997 12799838 0.50000 Covenant Trust Company 5215 Old Orchard Road Suite 725 Skokie IL 60077 363583163 Financial Services IL N/A C Swedish Covenant Management Services Inc (SCMS) 5145 North California Avenue Chicago IL 60625 364073303 Physician Practice Management IL N/A C Swedish Covenant Managed Care Alliance (SCMCA) 2740 West Foster Avenue Suite 409 Chicago IL 60625 364118659 Physician - Hospital Organization IL N/A C 0 1 0 0 0 0 0 0 0 0 1 1 0 0 1 1 0 1 Bethany Covenant Village O 610201 Bethany Covenant Village P 252508 Covenanat Village of Cromwell P 1304229 Covenanat Village of Cromwell B 300000 Covenant Healthcare Centers P 3576399 Covenant Home of Chicago P 394715 Covenant Ministries of Benevolence P 449407 Covenant Ministries of Benevolence L 1934580 Covenant Ministries of Benevolence O 4587724 Covenant Ministries of Benevolence R 267014 Covenant Ministries of Benevolence K 209985 Covenant Retirement Communities West P 7706910 Covenant Village of Colorado O 2230872 Covenant Village of Colorado P 159086 Covenant Village of Florida O 491812 Covenant Village of Florida P 349809 Covenant Village of Florida B 300000 Covenant Village of Golden Valley O 969986 Covenant Village of Golden Valley P 403791 Covenant Village of Golden Valley B 350000 Covenant Village of Great Lakes P 2568932 Covenant Village of Northbrook O 1650033 Covenant Village of Northbrook P 137465 The Holmstad O 3066613 The Holmstad P 146481 Windsor Park Manor P 2554478 Covenant International Insurance Company L 4711521 Covenant Retirement Services P 1036044 Covenant Home Services O 3820977 Covenant Home Services P 515766 Covenant Housing Corporation O 385011