HiveCheck
SCHOOL INTELLIGENCE · SIDE-BY-SIDE

Compare two schools.

A candidate interviewing at two schools doesn’t want two separate reports. A sitting Head doesn’t read about Phillips Andover alone — they read it alongside Lawrenceville. Pick two and read them in parallel.

SCHOOL A

The Lawrenceville School

Lawrenceville, NJ · Independent K-12 · NAIS memberBOARDING
SCHOOL B

Choate Rosemary Hall

Wallingford, CT · Independent K-12 · NAIS memberBOARDING
THE BOTTOM LINE · IN PLAIN ENGLISH

On the money side, Choate Rosemary Hall looks the stronger of the two: its finances read as strong, against stable for The Lawrenceville School.

Both hold a similar reserve cushion — roughly 7.7 years of operating expenses each.

The two are close in size — about $103.8M in annual revenue each (each enrolls roughly 843 students).

One contrast worth flagging: The Lawrenceville School spent more than it took in during its latest year (an operating loss of about 11% of revenue), while Choate Rosemary Hall finished in the black (about +5%).

A quick read of the biggest differences. Every number behind it is in the columns below, each with a plain-English note on what the gap means.

SCHOOL A · THE READ

The Lawrenceville School is burning the cushion faster than the 9.1-year buffer suggests. Expenses are outpacing revenue 4.6% vs -4.9% per year over three years, and the latest operating margin is -10.6% on a 60% tuition-dependent revenue mix. Covering the deficit at today's rate, it would take more than a decade to exhaust reserves — the full budget, by contrast, is covered for about 9.1 years if every revenue line stopped. The board conversation here is the recovery plan for the residential model and the timeline to break-even. NACUBO Composite Financial Index: 3.9 / 10, adequate — monitor.

Segment note · The Lawrenceville School. The Lawrenceville School is a residential boarding school. Boarding schools operate full residential programs on top of academics, which shifts how to read the financials: (a) reserve coverage is typically longer — 5-10 years is normal vs 1-3 for day schools, because dorms, dining, and residential plant carry capex obligations no day school has, (b) revenue per student is higher because tuition covers room and board, (c) tuition dependency can be high without being concerning if the endowment cushion is deep, (d) staff comp is often higher because residential faculty carry housing and benefits beyond salary. Read the percentiles below against same-segment peers, not the full K-12 cohort.

SCHOOL B · THE READ

Choate Rosemary Hall looks durable. The school holds 7.7 years of operating cushion, typical for a residential school of this scale. Revenue runs 59% tuition-dependent (peer median 75%), moderate diversification with a meaningful endowment and contributions base. Staff compensation runs 41% of expenses, well below the peer median, worth understanding why. NACUBO Composite Financial Index: 6.6 / 10, strong.

Segment note · Choate Rosemary Hall. Choate Rosemary Hall is a residential boarding school. Boarding schools operate full residential programs on top of academics, which shifts how to read the financials: (a) reserve coverage is typically longer — 5-10 years is normal vs 1-3 for day schools, because dorms, dining, and residential plant carry capex obligations no day school has, (b) revenue per student is higher because tuition covers room and board, (c) tuition dependency can be high without being concerning if the endowment cushion is deep, (d) staff comp is often higher because residential faculty carry housing and benefits beyond salary. Read the percentiles below against same-segment peers, not the full K-12 cohort.

PANEL 01

Financial Health

HIGHER IS BETTER
Overall financial-health score (0–10)
A single 0–10 read that blends reserves, operating margin, and growth (the NACUBO index). Higher = stronger: 5+ strong, 3–5 adequate, under 3 worth watching.
School B scores higher on the overall financial-health measure.
A3.9
B6.6
-2.8
HIGHER IS BETTER
Reserve coverage (months of operating expense)
How many months the school could run on its reserves. More = a bigger safety net.
Roughly the same.
A9.1 yrs
B7.7 yrs
≈ even
HIGHER IS BETTER
Operating margin (latest year)
What's left after expenses, as a share of revenue. 3–8% is healthy; negative means it spent more than it took in.
School B ran a stronger operating margin — it kept more of what it took in.
A-10.6%
B5.0%
-15.6 pp
LOWER IS BETTER
Reliance on tuition
Share of revenue that comes from tuition and fees. Higher = more exposed if enrollment dips.
Roughly the same.
A59.5%
B59.5%
≈ even
CONTEXT ONLY
Share of budget spent on staff
Salaries and benefits as a share of spending. Typical range 55–70%; higher means more of the budget goes to people.
School A puts more of its budget toward staff pay and benefits.
A44.4%
B41.0%
HIGHER IS BETTER
Net assets (reserves on the books)
The school's accumulated reserves, from its latest Form 990.
School A has more set aside in net assets (its accumulated reserves).
A$1.03B
B$766.9M
+258.9M
CONTEXT ONLY
Annual revenue (latest)
Total revenue from the latest Form 990.
Roughly the same.
A$102.4M
B$105.2M
CONTEXT ONLY
Head of School compensation
From the school's Form 990. Differences track school size and type.
School A pays its Head of School more.
A$1.1M
B$968K
HIGHER IS BETTER
Revenue growth (3-year average)
Average yearly change over three years. Healthy schools grow revenue at least as fast as expenses.
School B's revenue has been growing faster over the last three years.
A-4.9%/yr
B+9.3%/yr
-14.1 pp
HIGHER IS BETTER
Reserve growth (3-year average)
Average yearly change in reserves over three years. Positive = building the cushion; negative = drawing it down.
Roughly the same.
A+0.6%/yr
B+1.4%/yr
≈ even
PANEL 02

How each ranks against its peers

CONTEXT ONLY
Operating margin vs. its peers
Ranked against same-size, same-region peers. 100 = ahead of every peer; higher is better.
School B ranks higher on operating margin within its own peer group.
A7 / 100
B30 / 100
CONTEXT ONLY
Tuition reliance vs. its peers
Ranked against peers. A higher number means it leans on tuition more than most of them, which is riskier.
School B leans on tuition more than most of its own peers do.
A17 / 100
B23 / 100
CONTEXT ONLY
Staff-cost share vs. its peers
Ranked against peers. A higher number means more of the budget goes to staff than at most of them.
School A spends more of its budget on staff than most of its own peers.
A20 / 100
B3 / 100
CONTEXT ONLY
Endowment cushion vs. its peers
Ranked against peers. A higher number means a deeper endowment cushion than most of them.
Roughly the same.
A90 / 100
B90 / 100
Each school is ranked against its own peer group (same size, region, and association), on a 0–100 scale. Because those peer groups differ from one school to the next, the rank numbers aren’t directly comparable between the two schools — for a true side-by-side, use the actual dollar and percentage figures in the panels above.
PANEL 03

Community & Demographics

CONTEXT ONLY
Metro area
ALawrenceville, NJ
BWallingford, CT
CONTEXT ONLY
Metro population
Roughly the same.
A31,323
B44,498
HIGHER IS BETTER
Median household income
Typical household income locally. Read alongside cost of living, not on its own.
School A's area has higher household incomes.
A$126K
B$105K
+20K
HIGHER IS BETTER
Adults with a college degree or higher
Share of local adults with a college degree — a strong signal of the family pool.
School A's area is more college-educated.
A60.3%
B40.4%
+19.9 pp
HIGHER IS BETTER
Households earning $200K+
Share of local households at the top of the tuition-paying range.
School A's area has more high-earning households — a bigger tuition-paying base.
A25.5%
B17.5%
+8.0 pp
HIGHER IS BETTER
School-aged population (5-17)
How many school-aged children live in the area.
Roughly the same.
A4,804
B5,906
≈ even
CONTEXT ONLY
Median home value
Typical local home value today (a level, not a trend). Which way prices are moving is in Demand Trajectory below.
School A's area has pricier homes.
A$428K
B$354K
CONTEXT ONLY
Students enrolled (when reported)
Actual enrollment from the federal private-school survey, when the school is matched to it.
Roughly the same.
A818
B868
LOWER IS BETTER
Students per teacher
Students per teacher, from the federal private-school survey. Lower usually means smaller classes.
Roughly the same.
A7.0:1
B7.1:1
≈ even
CONTEXT ONLY
Grade range
A9–12
B9–12
PANEL 04

Community Capacity

HIGHER IS BETTER
Paying Capacity (0 to 100)
HiveCheck score. Can families here afford tuition? Higher = more capacity.
School A's community can more readily afford tuition.
A
61 / 100
moderate
B
47 / 100
moderate
+14 pts
HIGHER IS BETTER
Local giving climate (0 to 100)
HiveCheck score of the surrounding area's philanthropic climate (local charitable-gift patterns + high-income density from IRS charitable-giving data + Census). Market context, not a read on this school's own fundraising.
School A's surrounding area has a stronger local giving climate (a market-context read, not this school's own fundraising).
A
28 / 100
thin
B
15 / 100
thin
+13 pts
HIGHER IS BETTER
Average charitable gift on local tax returns
Average gift reported on itemized tax returns in the surrounding area (from IRS charitable-giving data). A local giving-climate signal, not a read on this school's own gifts.
School A's area reports a larger average charitable gift on local tax returns (a local giving-climate read, not this school's own gifts).
A$8K
B$6K
+2K
HIGHER IS BETTER
Share of taxpayers who itemize
Share of local taxpayers who itemize deductions — a rough giving signal, less reliable since the 2018 tax-law change.
School A's area has a higher share of itemizing (giving-inclined) taxpayers.
A12.7%
B9.1%
+3.6 pp
HIGHER IS BETTER
Average income per tax return
Average income reported on local tax returns, across all filers.
School A's area reports higher average income per tax return.
A$110K
B$96K
+14K
Both scores are HiveCheck-computed (not federal statistics), relative to HiveCheck’s covered universe, on roughly a 3-year IRS lag. The honest withhold ( Not enough local data ) fires when an input is missing for the area; no number is invented and no delta is computed.
PANEL 05

Competitive Landscape

CONTEXT ONLY
Public schools in county
The nearby public schools families weigh against the private option.
Only one school has this on file.
A109
B
CONTEXT ONLY
Public K-12 students in county
Public-school students in the county — the pool families choose among.
Only one school has this on file.
A56,529
B
CONTEXT ONLY
Charter schools in county
Public-school alternatives. Not a count of private schools.
Only one school has this on file.
A8
B
County-level public-school aggregates. HiveCheck does not rate individual schools, public or private.
PANEL 06

Demand Trajectory

CONTEXT ONLY
Net move-ins (high-income households)
Federal county move data. Positive = more high-income households moving in than out.
Both areas are losing high-income households.
A-1,077 returns
B-434 returns
CONTEXT ONLY
Net income moving in or out
The income that moves with those households, in whole dollars.
In both areas, more high-earner income is moving out than in.
A-$206.0M
B-$13.5M
CONTEXT ONLY
Home-price trend (3-yr)
Federal home-price index over three years — a read on which way local wealth is moving.
Home prices are rising in both areas.
A+27.5%
B+24.8%
CONTEXT ONLY
Home-price direction
A one-word read on where home prices are heading, from the 3-year trend.
Arising
Brising
Move data runs about two years behind, and the home-price index covers a wider area than the rest of this section. Direction only here — neither an inflow nor an outflow is shaded good or bad.
PANEL 07

Local Economy

LOWER IS BETTER
Unemployment rate
Local unemployment. Lower = steadier family incomes, but also a tighter market for hiring teachers.
School A's area has higher unemployment.
A5.9%
B3.9%
+2.0 pp
CONTEXT ONLY
Total jobs in the area (thousands)
Total jobs locally, latest reading.
School A sits in a larger job market.
A4,382K
B1,717K
HIGHER IS BETTER
Job growth (year over year)
Positive = a growing job market.
Roughly the same.
A+0.1%
B-0.0%
≈ even
HIGHER IS BETTER
Income per person (area average)
Average income per person, county level.
School A's area has higher income per person.
A$87K
B$0
+87K
LOWER IS BETTER
Typical 2-bedroom rent (monthly)
Federal rental benchmark. Higher = more pressure on faculty housing.
Only one school has this on file.
A$2K/mo
B
SOURCES: IRS FORM 990 · U.S. CENSUS BUREAU, ACS · U.S. BUREAU OF LABOR STATISTICS · NCES PSS · COMPILED BY LOMUSCIO LABS
DATA THROUGH FY2024 · LAST REFRESHED 2026-05-13