More EIN 41-1611040

More FY2021 filing

EIN  41-1611040 Public charity (501(c)(3)) St Paul, MN Founded 1989
Form 990 (PDF)
You’re viewing the FY2021 filing — not the latest on file. See the latest (FY2025) →
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Size
$100K–1M
What they do
Empowers refugees and immigrants with education and support for independence.
Leadership
Cathy Rucci · Executive Director · $76K
Money in and out
$355K revenue, $304K expenses
Bottom line
71% program efficiency

Empowers refugees and immigrants with education and support for independence. For fiscal year 2021 it reported $355K in revenue, $304K in expenses, and $368K in net assets.Pt I

Where the money goes · FY2021
Total revenue
$355K
Pt VIII · Ln 12
Total expenses
$304K
Pt IX · Ln 25
Net assets
$368K
Pt X · Ln 32
Revenue less expenses (Pt I · Ln 19): $51K
Where spending went · Part IX cols B–D
Program services $0.71 Management & general $0.23 Fundraising $0.06
Program efficiency
71%
of spending reaches programs
Operating runway
6.6mo
months of highly liquid reserves at operating expense rate
Surplus margin
+14%
revenue over expenses, this year

Summary of the Filing

Part I · fiscal year 2021 · Form 990
Revenue
$355K
FY2021
Expenses
$304K
FY2021
Total assets
$434K
FY2021
Total liabilities
$66K
FY2021
Total revenue
$355K
Pt VIII · Ln 12
Total expenses
$304K
Pt IX · Ln 25
Net assets
$368K
Pt X · Ln 32
Revenue less expensesPt I · Ln 19$51K
Total assetsPt X · Ln 16$434K
Program-expense ratioPt IX · col B71%
Voting members of governing bodyPt I · Ln 312
Independent voting membersPt I · Ln 412
Mission & Programs · Part III

Where the work happens

2 program services account for $216K of program spending, described in the organization's own filed words · FY2020.
01

Our Education Program strengthens the community by equipping those community members that face financial and overall communication difficulties because of low English capacity with the skills and understanding for more and better opportunities for employment through free English, Digital Literacy and Work Preparedness classes for adults.

$140Kprogram expense
02

Our Social Services Program provides short-term assistance via Basic Needs distributions of free food/clothing/household items multiple times each week. The purpose of these distributions is to ensure that first, families do not go without these basic items and second, that by accessing these items at MORE for no cost, that might free up…

$76Kprogram expense

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Identity & Classification

Form 990 Header · IRS Business Master File
Legal nameHdr · item CMore
EINHdr · item D41-1611040
Principal addressHdr · item CSt Paul, MN
WebsiteHdr · item Jwww.more-empowerment.org
Year of formationHdr · item L1989
State of legal domicileHdr · item MMN
Exempt statusHdr · item I501(c)(3) · active
NTEE classificationIRS BMFHuman Services (P20Z)
Ruling yearIRS BMFOct 1989

Governance & Policies

Part VI
Voting members of the governing bodyPt VI · Ln 1a12
Independent voting membersPt VI · Ln 1b12
Conflict-of-interest policyPt VI · Ln 12aYes
Whistleblower policyPt VI · Ln 13Yes
Document retention policyPt VI · Ln 14Yes
CEO/top-official compensation independently reviewedPt VI · Ln 15aYes
Family or business relationships among officers/directorsPt VI · Ln 2No

Officers, Directors & Key Employees

Part VII, Section A · reportable compensation · most recent filed roster (FY2020); the FY2021 filing did not itemize Part VII
Executive Director
$75,681Pt VII · Sec A
Board Treasurer
$0Pt VII · Sec A
Board Chair
$0Pt VII · Sec A
Board Vice Chair
$0Pt VII · Sec A
Board Member
$0Pt VII · Sec A
$0Pt VII · Sec A
Board Member
$0Pt VII · Sec A
Board Chair
$0Pt VII · Sec A

Jane Rydholm’s $102K as Executive Dir. is at the 87th percentile of top reported officer pay among 2165 $100K–1M 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 · 2 named individuals · Part VII

NameFY2025FY2024FY2024FY2023FY2022FY2021
Jane Rydholm$102,166$62,154
Cathy Rucci$14,578$77,657$76,737$71,850$75,681

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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Statement of Revenue

Part VIII
Contributions & grants100%$355K
Investment income$84
— government grantsLn 1e$124K
Total revenueLn 12$355K

Statement of Functional Expenses

Part IX · allocated across program, management, and fundraising
Allocation · columns B–D
Program services $0.71 Management & general $0.23 Fundraising $0.06
Program services71%$216K
Management & general23%$71K
Fundraising6%$17K
Total functional expensesLn 25$304K

Balance Sheet

Part X · end of year
CashLn 1$165K
Total assetsLn 16$434K
Total liabilitiesLn 26$66K
Total net assetsLn 32$368K
Months of cash on handcomputed6.5

Financial Metrics

Form 990 · FY2021 · each ratio shown with the dollars behind it
Liquidity & Payout
Operating runway
Highly liquid reserves $165K · Operating expenses (Pt IX) $304K · Less non-cash grants $5K · Cash operating expenses/yr $298K
6.6 months
Where the money goes
Program services
Program services $216K · Total expenses $304K
71%
Management & General
Management & general $71K · Total expenses $304K
23%
Fundraising
Fundraising $17K · Total expenses $304K
6%
Cost to raise $1
Fundraising expense $17K · Solicited contributions $231K
$0.07 to raise $1
Where the money comes from
Contribution dependence
Contributions & grants $355K · Total revenue $355K
100%
Government reliance
Government grants $124K · Total revenue $355K
35%
Earned-income share
Program service revenue $0 · Total revenue $355K
0%
Investment reliance
Investment income $84 · Total revenue $355K
0%
Program self-sufficiency
Program service revenue $0 · Total expenses $304K
0%
Growth & trend
Revenue growth (YoY)
This year $355K · Prior year —
No prior year on file
Net-asset trend (YoY)
End of year $368K · Beginning of year —
Beginning net assets not meaningfully positive — showing dollar change
Balance sheet
Surplus Margin
Revenue $355K · Expenses $304K
+14%
Liabilities-to-Assets
Total liabilities — · Total assets $434K
Net-asset ratio
Net assets $368K · Total assets $434K
85%
Marketable Investment Share
Publicly traded securities (Pt X, ln 11) — · Other securities (Pt X, ln 12) — · Total assets (Pt X, ln 16) $434K
Excludes program-related investments (Pt X, ln 13)
People & payroll
Highest Reported Total Compensation
Individual Cathy Rucci · Reported title Executive Director · Highest reported compensation $76K · Total expenses $304K
25%
Personnel share
Salaries, benefits & payroll (Pt IX 5-10) $222K · Total expenses $304K
73%
Peer comparison

Same NTEE category, revenue band, and state where available. Descriptive — not a grade.

MetricThis orgPeer medianPercentile
Program ratio 71%
Overhead ratio 23%
Fundraising cost ratio 5%
Investment management fee ratio 0%
Legal fee ratio 0%
Accounting fee ratio 2%

Straight from the Form 990 — descriptive, not an evaluation. A ratio is hidden when its base is zero or too small to be meaningful; the dollars are always shown.

Grants

Schedule I · funders on record
Grants received · FY2024
See all 4 funders →

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Filings & Schedule Manifest

Part IV
III · Programs I · Grants R · Related orgs G · Fundraising L · Interested persons A · Public support F · Foreign M · Noncash
FY2025 (Latest)$619K revenue · ⤓ 990 PDF
FY2024$284K revenue · ⤓ 990 PDF
FY2023$274K revenue · ⤓ 990 PDF
FY2022$397K revenue · ⤓ 990 PDF
FY2021$355K revenue · viewing · ⤓ 990 PDF

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Sources

Every figure above is drawn from these filings
Form 990 e-file (XML) · FY2021IRS
Classification, formation year, addressIRS Business Master File
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