A & D Charitable Foundation INC FY2024 filing

Tax-deductible

Saginaw, MI501(c)(3)Since 1999Health CareEIN 38-3428303Revenue $26.4M in FY2024

On file with the IRSgreatlakespace.org3378 Fashion Square Blvd, 48603-2448 · Saginaw, MITax-exempt since Jul 1999Publicly supported charity — 170(b)(1)(A)(vi)

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The organization provides "All Inclusive Care for Elderly" under certification from federal PACE program

501(c)(3) charity; gifts are tax-deductible.
85¢ of each $1 spent went to programs.
$1.1M paid to officers and key staff.
Mission: Form 990 Part I, line 1 · Status: IRS Pub. 78 · Programs: Part IX · Pay: Part VII

Before you give

FY2024 · Form 990Independent: from IRS data, not the org
Download 990
IRS status
501(c)(3)
not on the IRS revocation list
Looks good: listed by the IRS and not on the revocation list.
IRS BMF · Auto-Revocation List
Tax-deductible gifts
Yes
Donations are tax-deductible
Looks good: the IRS lists gifts to it as deductible.
IRS Pub. 78 · IRS BMF
Latest return
FY2025
latest Form 990
Looks good: the latest return is for FY2025, 1 tax year back; within 2 tax years.
IRS e-file · Filing history
Surplus or deficit
3 of 6
filings with a surplus
Average surplus $262K a year · 1% of revenue · last 6 filings
Worth a look: a surplus in 3 of the last 6 filings.
Pt I · Ln 19 · 6 filings
Spent on programs
85%
of spending
Looks good: 85% of spending went to programs; 75% or more.
Pt IX · Ln 25 · col B
Pay to officers and key staff
$1.1M
to officers and key staff · 5% of spending
Looks good: pay to officers and key staff is 5% of spending; 15% or less.
Pt VII · Sec A
Cash reserves
<1 mo
of spending, in cash
Concern: 0.3 months of spending in cash; under 2 weeks.
Pt X · Ln 1–2 · Pt I · Ln 18
Named funders
1
named funder · $20K
Fine: 1 funder names it on their filings; under 3.
Funders’ Sch. I, 990-PF
Liabilities
$5.3M
102% of total assets
Concern: liabilities are 102% of assets; over 80%.
Pt X · Ln 26
Independent board members
5
of 5 voting members
Looks good: 5 of 5 voting members are independent, a majority.
Pt VI · Ln 1a–1b
Looks goodFineWorth a lookConcernNo data yetTap a box for the reason.
Revenue
$26.4M
+25% vs prior year
Spent
$24.6M
To programs
85%
Net assets
−$106K
By yearFY2020–FY2025
Revenue
$26.4M
FY2024▲ +25%
Tap a bar for its year
Revenue by fiscal year
FY2020$17.4M
FY2021$18.2M
FY2022$20.3M
FY2023$21.1M
FY2024$26.4M
FY2025$26.6M
Expenses
$24.6M
FY2024▲ +12%
Tap a bar for its year
Expenses by fiscal year
FY2020$15.9M
FY2021$18.8M
FY2022$20.0M
FY2023$22.0M
FY2024$24.6M
FY2025$27.1M
Net assets
−$106K
FY2024▲ +94%
Tap a bar for its year
Net assets by fiscal year
FY2020−$706K
FY2021−$1.3M
FY2022−$970K
FY2023−$1.9M
FY2024−$106K
FY2025−$585K

From the FY2024 Form 990 · figures checked against the IRS filing · see the original

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You’re viewing the FY2024 filing — not the latest on file. See the latest (FY2025) →

Is it real?

Yes. Never revoked by the IRS. Latest filing on record: FY2025. IRS ruling in Jul 1999.

IRS Pub. 78 · IRS Auto-Revocation List · IRS Business Master File

Where the money goes

85 cents of each dollar spent went to programs.

Program services 85% · $21.0M Management & general 15% · $3.6M

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

11 people listed on the 990; $1.1M paid to officers and key staff.

Part VII, Section A · reportable compensation
$338,346Pt VII · Sec A
Nurse Practioner
$147,472Pt VII · Sec A
Director of the Program
$145,769Pt VII · Sec A
Nurse Practioner
$137,507Pt VII · Sec A
Nurse Practioner
$135,034Pt VII · Sec A
Pharmacist
$131,860Pt VII · Sec A
Board Member/President
$75,477Pt VII · Sec A
Board Member
$0Pt VII · Sec A

Michael Argyle MD’s $400K as Board Member/President is at the 65th percentile of top reported officer pay among 2901 $10–100M health care 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

NameFY2025FY2024FY2023FY2022FY2021FY2020
Michael Argyle MD$400,042$75,477$156,835$269,423$240,000$142,929
Mohammed Saleem$324,362$338,346$161,538———
David Benjamin$154,615$145,769$137,250$134,213$132,800$130,514
Joseph Chako$153,435$147,472$142,000$138,245$137,671$139,293
Lakeshia Jackson$147,864$137,507$134,052$128,094$125,723$129,989
Rachel Smith$142,869$135,034$129,409———
Amanda Moulton—$131,860$130,158———
Jessica Argyle————$107,625$117,048

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.

See A & D Charitable Foundation INC executive salaries →

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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 2Yes
  • Top official's pay set by an independent reviewPt VI · Ln 15aNo

Programs and updates

Offers comprehensive healthcare and support services for seniors.

Provided by the organization

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2 programs · $21.0M · in their own filed words · FY2024
01

The organization is enrolled and certified under Federal PACE program in 2015. Under this program, the organization provides all inclusive comprehensive medical care including day care services to elderly who are eligible under Federal Medicare and Medicaid program.

$18.5Mprogram expense
02

The organization bought an Assisted Living Center in April 2020 and a new program is initiated to provide residential care services to poor and indigent elderly

$2.5Mprogram expense

Funders

Who pays for it.

From grant filings on record. Receipts are incomplete: individual donors are never listed.

Grants

Schedule I · funders on record
Grants received · FY2024
Total grants receivedfrom 1 funder$20K

By the numbers

The FY2024 990, line by line.

1The main four
Money inPt VIII
$26.4M
Ln 12
Fees for servicesLn 2g$25.7M
Gifts and grantsLn 1h$669K
Other incomeLn 4–11$5K
Money outPt IX
$24.6M
Ln 25
Programscol B$21.0M
Managementcol C$3.6M
Owns and owesPt X
−$106K
net assets · Ln 32
Cash and savingsLn 1–2$669K
Total assetsLn 16$5.2M
LiabilitiesLn 26$5.3M
PeoplePt VI, VII
11
listed · VII A
PaidVII A7
Voting boardVI 1a5
IndependentVI 1b5
2In more detail
Revenue in detailPt VIII
Gifts and grantsLn 1h$669K
Government grantsLn 1e$636K
Fundraising eventsLn 1c$9K
Fees for servicesLn 2g$25.7M
Investment incomeLn 3$220
Other incomeLn 4–11$5K
Total revenueLn 12$26.4M
Assets in detailPt X, end of year
CashLn 1$593K
SavingsLn 2$76K
Cash and savings togetherLn 1–2$669K
Land, buildings, equipmentLn 10c$4.2M
Total assetsLn 16$5.2M
LiabilitiesLn 26$5.3M
Net assetsLn 32−$106K
OperationsPt I, VI
EmployeesI 50
VolunteersI 60
Fiscal year endsHeaderDecember
Conflict-of-interest policyVI 12aNo
Whistleblower policyVI 13No
Records policyVI 14No
3Year over year
Balance sheet, start vs end of yearPt X · col A, B
LineStart FY24End FY24
Cash and savingsLn 1–2$167K$669K
Land, buildings, equipmentLn 10c$3.7M$4.2M
Total assetsLn 16$4.3M$5.2M
LiabilitiesLn 26$6.1M$5.3M
Net assetsLn 32−$1.9M−$106K
4Every line
Statement of functional expensesPt IX · every line
LineTotalProgramsManagementFundraising
Pay of current officers, directors and key staffLn 5$1.1M$966K$146K
Other salaries and wagesLn 7$6.3M$4.8M$1.5M
Pension plan contributionsLn 8$107K$74K$33K
Other employee benefitsLn 9$846K$694K$153K
Payroll taxesLn 10$590K$457K$133K
Legal feesLn 11b$21K$21K
Accounting feesLn 11c$47K$47K
Other fees for servicesLn 11g$680K$192K$487K
Advertising and promotionLn 12$55K$55K
Office expensesLn 13$116K$116K
Information technologyLn 14$314K$314K
OccupancyLn 16$365K$365K
Conferences, conventions and meetingsLn 19$10K$10K
InterestLn 20$141K$141K
Depreciation, depletion and amortizationLn 22$269K$213K$56K
InsuranceLn 23$190K$190K
Other expenses (24a–d)Ln 24$10.3M$10.3M
All other expensesLn 24e$3.2M$3.0M$175K
Total functional expensesLn 25$24.6M$21.0M$3.6M$0

Filing history

YearMoney inMoney outIn minus outNet assetsDownload
FY2025 Latest $26.6M$27.1M−$478K−$585K 990 PDF
FY2024 Viewing $26.4M$24.6M$1.8M−$106K 990 PDF
FY2023 $21.1M$22.0M−$892K−$1.9M 990 PDF
FY2022 $20.3M$20.0M$326K−$970K 990 PDF
FY2021 $18.2M$18.8M−$590K−$1.3M 990 PDF
FY2020 $17.4M$15.9M$1.5M−$706K 990 PDF

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Schedules filed Part IV

III · Programs I · Grants R · Related orgs G · Fundraising L · Interested persons A · Public support F · Foreign M · Noncash
See the full FY2024 990 (6 parts)
Part I · Summary $26,363,498 revenue, 12 lines filed
I-8 Contributions and grantsPrior year $94,250$669,010
I-9 Program service revenuePrior year $21,034,700$25,688,913
I-10 Investment incomePrior year $1,046$220
I-11 Other revenuePrior year $2,809$5,355
I-12 Total revenuePrior year $21,132,805$26,363,498
I-13 Grants and similar amounts paidPrior year $0$0
I-14 Benefits paid to membersPrior year $0$0
I-15 Salaries and benefitsPrior year $8,288,341$8,969,369
I-16a Professional fundraising feesPrior year $0$0
I-17 Other expensesPrior year $13,736,891$15,637,884
I-18 Total expensesPrior year $22,025,232$24,607,253
I-19 Revenue less expensesPrior year −$892,427$1,756,245
Part VI · Governance 5 of 5 board members independent, 5 to look at
VI-1a Voting members of the governing body5
VI-1b Independent voting members5
VI-2 Family or business relationship among officers or directorsYes
VI-12a Written conflict of interest policyNo
VI-13 Written whistleblower policyNo
VI-14 Document retention and destruction policyNo
VI-15a Process for setting top official's payNo
Part VIII · Statement of revenue $26,363,498 across 9 lines filed
VIII-1c Fundraising events$9,100
VIII-1e Government grants$635,551
VIII-1f All other contributions, gifts and grants$24,359
VIII-1h Total contributions, gifts and grants$669,010
VIII-2a-f Program service revenue, itemized rows (sum of 2a–2f as filed)Related to mission $25,688,913$25,688,913
VIII-3 Investment incomeExcluded from tax $220$220
VIII-8 Net income from fundraising eventsExcluded from tax −$4,144−$4,144
VIII-11a-d Other revenue, itemized rows (sum of 11a–11d as filed)Related to mission $9,499$9,499
VIII-12 Total revenueRelated to mission $25,698,412 · Unrelated business $0 · Excluded from tax −$3,924$26,363,498
Part IX · Statement of functional expenses $24,607,253 across 18 lines filed
IX-5 Pay of current officers, directors and key staffPrograms $965,696 · Management $145,769$1,111,465
IX-7 Other salaries and wagesPrograms $4,784,391 · Management $1,530,187$6,314,578
IX-8 Pension plan contributionsPrograms $73,788 · Management $33,443$107,231
IX-9 Other employee benefitsPrograms $693,582 · Management $152,532$846,114
IX-10 Payroll taxesPrograms $457,072 · Management $132,909$589,981
IX-11b Legal feesManagement $20,733$20,733
IX-11c Accounting feesManagement $47,050$47,050
IX-11g Other fees for servicesPrograms $192,358 · Management $487,326$679,684
IX-12 Advertising and promotionManagement $55,143$55,143
IX-13 Office expensesManagement $115,687$115,687
IX-14 Information technologyManagement $314,118$314,118
IX-16 OccupancyPrograms $365,466$365,466
IX-19 Conferences, conventions and meetingsManagement $10,140$10,140
IX-20 InterestManagement $141,290$141,290
IX-22 Depreciation, depletion and amortizationPrograms $212,986 · Management $55,601$268,587
IX-23 InsuranceManagement $190,103$190,103
IX-24 Other expenses (24a–d)Programs $10,268,032$10,268,032
IX-24e All other expensesPrograms $2,986,900 · Management $174,951$3,161,851
IX-25 Total functional expensesPrograms $21,000,271 · Management $3,606,982 · Fundraising $0$24,607,253
Part X · Balance sheet $5,162,962 assets, 11 lines filed
X-1 Cash, non-interest-bearingStart of year $166,693$593,443
X-2 Savings and temporary cash investments$75,858
X-4 Accounts receivableStart of year $63,188$38,395
X-9 Prepaid expenses and deferred chargesStart of year $279,035$295,384
X-10c Land, buildings and equipment, netStart of year $3,716,748$4,159,882
X-16 Total assetsStart of year $4,269,946$5,162,962
X-17 Accounts payable and accrued expensesStart of year $2,156,914$2,050,595
X-25 Other liabilitiesStart of year $96,248$0
X-26 Total liabilitiesStart of year $6,132,678$5,269,449
X-32 Total net assets or fund balancesStart of year −$1,862,732−$106,487
X-33 Total liabilities and net assetsStart of year $4,269,946$5,162,962
Part XI · Reconciliation of net assets −$106,487 net assets at year end
XI-1 Total revenue$26,363,498
XI-2 Total expenses$24,607,253
XI-3 Revenue less expenses$1,756,245
XI-4 Net assets at start of year−$1,862,732
XI-9 Other changes in net assets$0
XI-10 Net assets at end of year−$106,487

Form 990 e-file (XML) FY2024 from the IRS · Classification, formation year and address from the IRS Business Master File

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