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Sanders and Rappahannock Westminster-Canterbury compared
Two Virginia communities about 19 miles apart, compared from their own disclosure statements. Tinted rows are where they differ; each page tab opens the filing at the figure.
| Figure | Sanders | Rappahannock Westminster-Canterbury |
|---|---|---|
| Location | Gloucester, VA | Irvington, VA |
| Filing used | 2025 statement, fiscal 2024 financesPDF | 2025 statement, fiscal 2025 financesPDF |
| Contract types | Rental | Type A (life care), Type B (modified), Type C (fee for service) |
| Entrance fee, one person | None: rental | $152,386 to $904,817p. 10p. 13 |
| Monthly fee, independent living | $3,567 to $4,137p. 36 | $4,214 to $7,928p. 14 |
| Refund plans | None: rental contract | Option I (Declining Refund); Option II (50% Refund); Option III (50% Refund); Option IV (Declining Refund)p. 37p. 38 |
| Highest guaranteed refund | None: rental contract | 50% of the feep. 37p. 38 |
| When a refund is paid | None: rental contract | When your unit is re-occupied or after 12 months, whichever is firstp. 37p. 38 |
| Days cash on hand | Not disclosed in the 2025 filingFigures for Sanders Common, Ltd. | 156 days (FY2025, calculated)p. 50 |
| Its lenders' minimum | Not disclosed in the 2025 filing | At least 120 daysp. 63 |
| Debt service coverage | Not disclosed in the 2025 filingFigures for Sanders Common, Ltd. | Not disclosed in the 2025 filing |
| Independent living occupancy | 98% (2024)p. 30 | 89% (2025)p. 3 |
| Net position | −$689,002 (FY2024)p. 30 | $5.8 million (FY2025)p. 50 |
| Whose finances | Sanders Common, Ltd.p. 30 | Rappahannock Westminster-Canterbury, Inc. (including its beneficial interest in the RWC Foundation); ratios for Rappahannock Westminster-Canterbury, Inc.p. 50 |
| Audit opinion | Unmodified (clean) opinion, KPMG LLPp. 30 | Unmodified (clean) opinion, CliftonLarsonAllen LLPp. 50 |
| Nursing care, CMS rating | 5 of 5 (CMS overall) | 5 of 5 (CMS overall) |
What care costs later, in each contract
Sanders
Rental: Sanders now offers only one-year leases (then month to month) with no entrance fee. Tenants get priority access to assisted living and the on-campus nursing center but pay the regular rates.p. 47
Rappahannock Westminster-Canterbury
Type A (life care): Residents on Option I or III keep paying their independent-living monthly fee when they move to assisted living or nursing, plus charges for two extra meals a day and ancillaries.p. 32
Type C (fee for service): Option II residents pay the published private-pay daily rate for assisted living and nursing; they may have care charges deducted from their entrance-fee refund. The per diem rates are not stated in the document.p. 32
Type B (modified): Option IV residents pay the private-pay daily rate for their first 365 cumulative days of assisted living or nursing; after that, care costs the same as their independent-living monthly fee plus two extra meals a day.p. 33