Resources for Independence INC FY2020 filing

Tax-deductible

Cumberland, MD501(c)(3)Human ServicesEIN 52-1937865Revenue $510K in FY2020

On file with the IRS735 E Oldtown Rd, 21502-3762 · Cumberland, MDTax-exempt since Oct 1996Publicly supported charity — 170(b)(1)(A)(vi)

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Resources for Independence is dedicated to empowering persons with disabilities to make their own life choices to the fullest extent possible and advocates for equal rights, accessibility

501(c)(3) charity; gifts are tax-deductible.
93¢ of each $1 spent went to programs.
$156K 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

FY2020 · 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
6 of 6
filings with a surplus
Average surplus $15K a year · 2% of revenue · last 6 filings
Looks good: a surplus in 6 of the last 6 filings.
Pt I · Ln 19 · 6 filings
Spent on programs
93%
of spending
Looks good: 93% of spending went to programs; 75% or more.
Pt IX · Ln 25 · col B
Pay to officers and key staff
$156K
to officers and key staff · 32% of spending
Concern: pay to officers and key staff is 32% of spending; over 30%.
Pt VII · Sec A
Cash reserves
2 mo
of spending, in cash
Fine: 2.4 months of spending in cash; 1 to 3.
Pt X · Ln 1–2 · Pt I · Ln 18
Named funders
1
named funder · $8K
Fine: 1 funder names it on their filings; under 3.
Funders’ Sch. I, 990-PF
Liabilities
$6K
4% of total assets
Looks good: liabilities are 4% of assets; 50% or less.
Pt X · Ln 26
Independent board members
6
of 6 voting members
Looks good: 6 of 6 voting members are independent, a majority.
Pt VI · Ln 1a–1b
Looks goodFineWorth a lookConcernNo data yetTap a box for the reason.
Revenue
$510K
Spent
$490K
To programs
93%
Net assets
$146K
By yearFY2020–FY2025
Revenue
$510K
FY2020
Tap a bar for its year
Revenue by fiscal year
FY2020$510K
FY2021$552K
FY2022$554K
FY2023$594K
FY2024$729K
FY2025$773K
Expenses
$490K
FY2020
Tap a bar for its year
Expenses by fiscal year
FY2020$490K
FY2021$551K
FY2022$523K
FY2023$573K
FY2024$721K
FY2025$768K
Net assets
$146K
FY2020
Tap a bar for its year
Net assets by fiscal year
FY2020$146K
FY2021$147K
FY2022$179K
FY2023$200K
FY2024$208K
FY2025$213K

From the FY2020 Form 990 (year ending September 2020) · see the original

Form 990 (PDF) Claim
You’re viewing the FY2020 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 Oct 1996.

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

Where the money goes

93 cents of each dollar spent went to programs.

Program services 93% · $453K Management & general 7% · $37K

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

9 people listed on the 990; $156K paid to officers and key staff.

Part VII, Section A · reportable compensation · most recent filed roster (FY2019); the FY2020 filing did not itemize Part VII
Exec Director
$58,967Pt VII · Sec A
Asst. Director
$52,156Pt VII · Sec A
Finance Director
$45,039Pt VII · Sec A
Vice President
$0Pt VII · Sec A
Treasurer
$0Pt VII · Sec A
$0Pt VII · Sec A
Director
$0Pt VII · Sec A
$0Pt VII · Sec A

Lori Magruder’s $94K as Executive Di is at the 82nd percentile of top reported officer pay among 2168 $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 · 3 named individuals · Part VII

NameFY2025FY2024FY2023FY2022FY2021FY2020
Lori Magruder$94,166$83,842$74,858$75,931$67,450$58,967
John Michaels—————$52,156
Sherry Williams—$29,469$28,305$28,828$50,134$45,039

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

Empowers people with disabilities to make life choices and advocates for equal rights and accessibility.

Questions for Resources for Independence INC

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Provided by the organization

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1 program · $453K · in their own filed words · FY2019
01

To operate a center for independent living in western maryland. To provide counseling, training, advocacy, information & referral, and transportation to disabled persons.

$453Kprogram 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$8K

By the numbers

The FY2020 990, line by line.

1The main four
Money inPt VIII
$510K
Ln 12
Gifts and grantsLn 1h$455K
Fees for servicesLn 2g$39K
Other incomeLn 4–11$16K
Money outPt IX
$490K
Ln 25
Programscol B$453K
Managementcol C$37K
Owns and owesPt X
$146K
net assets · Ln 32
Cash and savingsLn 1–2$100K
Total assetsLn 16$151K
LiabilitiesLn 26$6K
PeoplePt VI, VII
9
listed · VII A
PaidVII A3
Voting boardVI 1a6
IndependentVI 1b6
2In more detail
Revenue in detailPt VIII
Gifts and grantsLn 1h$455K
Government grantsLn 1e$445K
Noncash giftsLn 1g$525
Fundraising eventsLn 1c$645
Fees for servicesLn 2g$39K
Investment incomeLn 3$728
Other incomeLn 4–11$16K
Total revenueLn 12$510K
Assets in detailPt X, end of year
CashLn 1$33K
SavingsLn 2$67K
Cash and savings togetherLn 1–2$100K
Other assetsLn 15$500
Total assetsLn 16$151K
LiabilitiesLn 26$6K
Net assetsLn 32$146K
OperationsPt I, VI
EmployeesI 510
VolunteersI 615
Fiscal year endsHeaderSeptember
Conflict-of-interest policyVI 12aYes
Whistleblower policyVI 13Yes
Records policyVI 14Yes
3Year over year
Balance sheet, start vs end of yearPt X · col A, B
LineStart FY20End FY20
Cash and savingsLn 1–2$125K$100K
Total assetsLn 16$162K$151K
LiabilitiesLn 26$36K$6K
Net assetsLn 32$125K$146K
4Every line
Statement of functional expensesPt IX · every line
LineTotalProgramsManagementFundraising
Pay of current officers, directors and key staffLn 5$172K$157K$14K$0
Other salaries and wagesLn 7$137K$126K$11K$0
Other employee benefitsLn 9$16K$14K$2K$0
Payroll taxesLn 10$24K$22K$2K$0
Management feesLn 11a$2K$2K$0$0
Accounting feesLn 11c$5K$4K$1K$0
Advertising and promotionLn 12$8K$8K$596$0
Office expensesLn 13$9K$8K$850$0
OccupancyLn 16$27K$23K$4K$0
TravelLn 17$10K$10K$0$0
InsuranceLn 23$4K$4K$379$0
Other expenses (24a–d)Ln 24$75K$75K$0$0
Total functional expensesLn 25$490K$453K$37K$0

Filing history

YearMoney inMoney outIn minus outNet assetsDownload
FY2025 Latest $773K$768K$5K$213K 990 PDF
FY2024 $729K$721K$8K$208K 990 PDF
FY2023 $594K$573K$21K$200K 990 PDF
FY2022 $554K$523K$31K$179K 990 PDF
FY2021 $552K$551K$2K$147K 990 PDF
FY2020 Viewing $510K$490K$20K$146K 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 FY2020 990 (6 parts)
Part I · Summary $510,170 revenue, 12 lines filed
I-8 Contributions and grantsPrior year $384,422$455,038
I-9 Program service revenuePrior year $43,574$38,845
I-10 Investment incomePrior year $468$728
I-11 Other revenuePrior year $18,632$15,559
I-12 Total revenuePrior year $447,096$510,170
I-13 Grants and similar amounts paid$0
I-14 Benefits paid to members$0
I-15 Salaries and benefitsPrior year $279,393$348,188
I-16a Professional fundraising fees$0
I-17 Other expensesPrior year $136,465$141,699
I-18 Total expensesPrior year $415,858$489,887
I-19 Revenue less expensesPrior year $31,238$20,283
Part VI · Governance 6 of 6 board members independent, no flags
VI-1a Voting members of the governing body6
VI-1b Independent voting members6
VI-2 Family or business relationship among officers or directorsNo
VI-12a Written conflict of interest policyYes
VI-13 Written whistleblower policyYes
VI-14 Document retention and destruction policyYes
VI-15a Process for setting top official's payYes
Part VIII · Statement of revenue $510,170 across 9 lines filed
VIII-1c Fundraising events$645
VIII-1e Government grants$445,315
VIII-1f All other contributions, gifts and grants$9,723
VIII-1g Noncash contributions (included above)$525
VIII-1h Total contributions, gifts and grants$455,038
VIII-2a-f Program service revenue, itemized rows (sum of 2a–2f as filed)Unrelated business $0 · Excluded from tax $0$38,845
VIII-3 Investment incomeUnrelated business $0 · Excluded from tax $728$728
VIII-8 Net income from fundraising eventsUnrelated business $0 · Excluded from tax $15,559$15,559
VIII-12 Total revenueRelated to mission $38,845 · Unrelated business $0 · Excluded from tax $16,287$510,170
Part IX · Statement of functional expenses $489,887 across 12 lines filed
IX-5 Pay of current officers, directors and key staffPrograms $157,416 · Management $14,267 · Fundraising $0$171,683
IX-7 Other salaries and wagesPrograms $125,780 · Management $11,396 · Fundraising $0$137,176
IX-9 Other employee benefitsPrograms $14,158 · Management $1,534 · Fundraising $0$15,692
IX-10 Payroll taxesPrograms $21,673 · Management $1,964 · Fundraising $0$23,637
IX-11a Management feesPrograms $2,465 · Management $0 · Fundraising $0$2,465
IX-11c Accounting feesPrograms $3,514 · Management $1,464 · Fundraising $0$4,978
IX-12 Advertising and promotionPrograms $7,737 · Management $596 · Fundraising $0$8,333
IX-13 Office expensesPrograms $7,913 · Management $850 · Fundraising $0$8,763
IX-16 OccupancyPrograms $22,961 · Management $4,259 · Fundraising $0$27,220
IX-17 TravelPrograms $10,465 · Management $0 · Fundraising $0$10,465
IX-23 InsurancePrograms $3,939 · Management $379 · Fundraising $0$4,318
IX-24 Other expenses (24a–d)Programs $75,157 · Management $0 · Fundraising $0$75,157
IX-25 Total functional expensesPrograms $453,178 · Management $36,709 · Fundraising $0$489,887
Part X · Balance sheet $151,493 assets, 12 lines filed
X-1 Cash, non-interest-bearingStart of year $69,194$33,107
X-2 Savings and temporary cash investmentsStart of year $56,203$66,862
X-4 Accounts receivableStart of year $33,551$48,209
X-8 Inventories for sale or useStart of year $2,315$2,815
X-15 Other assetsStart of year $500$500
X-16 Total assetsStart of year $161,763$151,493
X-17 Accounts payable and accrued expensesStart of year $36,338$5,785
X-26 Total liabilitiesStart of year $36,338$5,785
X-27 Net assets without donor restrictionsStart of year $122,556$139,510
X-28 Net assets with donor restrictionsStart of year $2,869$6,198
X-32 Total net assets or fund balancesStart of year $125,425$145,708
X-33 Total liabilities and net assetsStart of year $161,763$151,493
Part XI · Reconciliation of net assets $145,708 net assets at year end
XI-1 Total revenue$510,170
XI-2 Total expenses$489,887
XI-3 Revenue less expenses$20,283
XI-4 Net assets at start of year$125,425
XI-10 Net assets at end of year$145,708

Form 990 e-file (XML) FY2020 from the IRS · Classification, formation year and address from the IRS Business Master File

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