Is it real?
Yes. Never revoked by the IRS. Latest filing on record: FY2025. IRS ruling in Jan 1969.
IRS Pub. 78 · IRS Auto-Revocation List · IRS Business Master File
Where the money goes
98 cents of each dollar spent went to programs.
Form 990 Part IX, line 25, columns B–D. Every line is in By the numbers.
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Who runs it and what they're paid
27 people listed on the 990; $1.4M paid to officers and key staff.
Peggy Hegarty-Steck’s $226K as Chief Executive Officer is at the 10th percentile of top reported officer pay among 249 $100M+ human services nonprofits. Peer set: organizations in the same NTEE major field of work and revenue-size band, compared on each org’s own highest-paid officer/key-employee, from Form 990 Part VII / 990-PF Part VIII. Descriptive placement, not a verdict on whether the pay is appropriate.
Compensation history total reportable pay by year · 8 named individuals · Part VII
| Name | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | FY2020 |
|---|---|---|---|---|---|---|
| Peggy Hegarty-Steck | $225,916 | $218,065 | $207,871 | $189,750 | $162,648 | $166,352 |
| Elliott Jacobson | $212,875 | $211,301 | $212,853 | $190,158 | $168,453 | $167,850 |
| Jennifer Beloff | $167,110 | $162,752 | $132,242 | $104,883 | — | — |
| Jillian Cluett | $154,564 | $136,416 | — | — | — | — |
| Allison Lex | $142,831 | $119,639 | $105,328 | — | — | — |
| Kenneth Kudym | — | — | $139,029 | — | — | — |
| Brian Beote | $137,484 | $129,527 | — | — | — | — |
| Rita Carvalho | — | — | — | $129,772 | $112,803 | $109,893 |
Total reportable compensation (Form 990 Part VII column D / Schedule J column E) by filing year, matched by name within this organization. The Schedule J base / bonus / deferred breakdown is not parsed into this dataset.
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Questions the 990 asks
The form asks each of these directly. These are the filed answers.
- Family or business ties among officersPt VI · Ln 2No
- Top official's pay set by an independent reviewPt VI · Ln 15aYes
Programs and updates
Creates opportunities for a thriving Cape Ann community for everyone.
Questions for Action INC
Your first name shows with your question. Action INC answers here, for everyone.
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Energy Management
A law was enacted which required that low-income residential demand-side management and education programs be implemented through the low income weatherization network and coordinated with all electric and gas distribution companies in the state, with the objective of standardizing implemenation.
Housing
The housing program provides housing to people experiencing homelessness are believed to be housing ready and are provided with permanent housing immediately and with few to no preconditions, behavioral contingencies, or barriers. All participants housed through these housing programs must meet hud's definition of chronically homeless.
The fuel assistance program provides low-income families with assistance to pay their heating fuel bills. This critical service keeps thousands of families warm each winter, and staff are available to assist clients with the application process.
Funders
Who pays for it.
From grant filings on record. Receipts are incomplete: individual donors are never listed.
Grants
By the numbers
The FY2025 990, line by line.
Download 990
| Line | Start FY25 | End FY25 |
|---|---|---|
| Cash and savingsLn 1–2 | $8.1M | $3.6M |
| Land, buildings, equipmentLn 10c | $11.5M | $12.3M |
| Total assetsLn 16 | $52.6M | $49.5M |
| LiabilitiesLn 26 | $25.4M | $19.1M |
| Net assetsLn 32 | $27.3M | $30.4M |
| Line | Total | Programs | Management | Fundraising |
|---|---|---|---|---|
| Pay of current officers, directors and key staffLn 5 | $938K | $938K | ||
| Other salaries and wagesLn 7 | $7.2M | $5.8M | $1.2M | $210K |
| Other employee benefitsLn 9 | $1.2M | $886K | $272K | $33K |
| Payroll taxesLn 10 | $705K | $508K | $178K | $19K |
| Legal feesLn 11b | $135K | $130K | $5K | |
| Accounting feesLn 11c | $862K | $695K | $138K | $29K |
| Other fees for servicesLn 11g | $88K | $51K | $34K | $3K |
| Office expensesLn 13 | $194K | $85K | $77K | $32K |
| OccupancyLn 16 | $635K | $515K | $119K | $1K |
| TravelLn 17 | $215K | $184K | $31K | $858 |
| InterestLn 20 | $195K | $49K | $146K | |
| Depreciation, depletion and amortizationLn 22 | $585K | $244K | $341K | |
| InsuranceLn 23 | $272K | $119K | $153K | |
| Other expenses (24a–d)Ln 24 | $173.9M | $173.8M | $71K | $12K |
| All other expensesLn 24e | $915K | $529K | $360K | $25K |
| Total functional expensesLn 25 | $188.1M | $183.7M | $4.1M | $366K |
Filing history
| Year | Money in | Money out | In minus out | Net assets | Download |
|---|---|---|---|---|---|
| FY2025 Latest Viewing | $191.2M | $188.1M | $3.1M | $30.4M | 990 PDF |
| FY2024 | $184.3M | $177.8M | $6.5M | $27.3M | 990 PDF |
| FY2023 | $111.1M | $108.9M | $2.2M | $20.8M | 990 PDF |
| FY2022 | $79.9M | $79.1M | $777K | $18.7M | 990 PDF |
| FY2021 | $61.7M | $60.7M | $1.0M | $17.9M | 990 PDF |
| FY2020 | $46.5M | $46.5M | −$63K | $16.9M | 990 PDF |
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Schedules filed Part IV
See the full FY2025 990 (6 parts)
Part I · Summary $191,163,293 revenue, 12 lines filed
Part VI · Governance 17 of 17 board members independent, no flags
Part VIII · Statement of revenue $191,163,293 across 10 lines filed
Part IX · Statement of functional expenses $188,080,054 across 15 lines filed
Part X · Balance sheet $49,491,687 assets, 15 lines filed
Part XI · Reconciliation of net assets $30,367,590 net assets at year end
Form 990 e-file (XML) FY2025 from the IRS · Classification, formation year and address from the IRS Business Master File
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