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Reef Relief INC FY2021 filing

Tax-deductible

Key West, FL501(c)(3)Environment EIN 59-2696402Revenue $277K in FY2021

On file with the IRSreefrelief.orgPo Box 430, 33041-0430 · Key West, FLTax-exempt since Aug 1988Publicly supported charity — 170(b)(1)(A)(vi)

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Reef Relief is a nonprofit membership organization dedicated to improving and protecting our coral Reef ecosystem.

501(c)(3) charity; gifts are tax-deductible.
89¢ of each $1 spent went to programs.
Mission: Form 990 Part I, line 1 · Status: IRS Pub. 78 · Programs: Part IX

Before you give

FY2021 · 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
4 of 4
filings with a surplus
Average surplus $68K a year · 17% of revenue · last 4 filings
Looks good: a surplus in 4 of the last 4 filings.
Pt I · Ln 19 · 4 filings
Spent on programs
89%
of spending
Looks good: 89% of spending went to programs; 75% or more.
Pt IX · Ln 25 · col B
Cash reserves
14 mo
of spending, in cash
Looks good: 13.6 months of spending in cash; 3 or more.
Pt X · Ln 1–2 · Pt I · Ln 18
Named funders
2
named funders · $30K
Fine: 2 funders name it on their filings; under 3.
Funders’ Sch. I, 990-PF
Liabilities
$55K
22% of total assets
Looks good: liabilities are 22% of assets; 50% or less.
Pt X · Ln 26
Independent board members
9
of 9 voting members
Looks good: 9 of 9 voting members are independent, a majority.
Pt VI · Ln 1a–1b
Looks goodFineWorth a lookConcernNo data yetTap a box for the reason.
Revenue
$277K
Spent
$219K
To programs
89%
Net assets
$200K
By yearFY2021–FY2025
Revenue
$277K
FY2021
Tap a bar for its year
Revenue by fiscal year
FY2021$277K
FY2022$400K
FY2024$435K
FY2025$497K
Expenses
$219K
FY2021
Tap a bar for its year
Expenses by fiscal year
FY2021$219K
FY2022$256K
FY2024$413K
FY2025$447K
Net assets
$200K
FY2021
Tap a bar for its year
Net assets by fiscal year
FY2021$200K
FY2022$376K
FY2024$531K
FY2025$600K

From the FY2021 Form 990 (year ending June 2021) · see the original

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You’re viewing the FY2021 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 Aug 1988.

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

Where the money goes

89 cents of each dollar spent went to programs.

Program services 89% · $196K Management & general 11% · $23K

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

10 people listed on the 990.

Part VII, Section A · reportable compensation · most recent filed roster (FY2020); the FY2021 filing did not itemize Part VII
Bob Cardenas
Director
$0Pt VII · Sec A
Tricia Coyne
President
$0Pt VII · Sec A
Maggie Howes
Board Member
$0Pt VII · Sec A
$0Pt VII · Sec A
Kevin Keeley
Board Member
$0Pt VII · Sec A
Dr Patrick Rice
Board Member
$0Pt VII · Sec A
Ed Russo
Board Member
$0Pt VII · Sec A
Carly Shabo
Vice Preside
$0Pt VII · Sec A

Millard McCleary IV’s $72K as Executive Di is at the 53rd percentile of top reported officer pay among 1990 $100K–1M environment 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.

See Reef Relief 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 2No
  • Top official's pay set by an independent reviewPt VI · Ln 15aYes

Programs and updates

Protects and improves coral reef ecosystems through membership and advocacy.

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Provided by the organization

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1 program · $196K · in their own filed words · FY2020
01

Coral Reef Conservation

Research, documentation, and treatment of quality ocean waters, including public education regarding reef and ocean water issues.

$196Kprogram 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 · FY2025
Bill Simpson Foundation INCFY2025$30K
Friends for a Better Way FoundationFY2025$250
Total grants receivedfrom 2 funders$30K

By the numbers

The FY2021 990, line by line.

Download 990
from philanthropy.org
1The main four
Money inPt VIII
$277K
Ln 12
Gifts and grantsLn 1h$210K
Fees for servicesLn 2g$64K
Other incomeLn 4–11$3K
Money outPt IX
$219K
Ln 25
Programscol B$196K
Managementcol C$23K
Owns and owesPt X
$200K
net assets · Ln 32
Cash and savingsLn 1–2$248K
Total assetsLn 16$255K
LiabilitiesLn 26$55K
PeoplePt VI, VII
10
listed · VII A
PaidVII A0
Voting boardVI 1a9
IndependentVI 1b9
2In more detail
Revenue in detailPt VIII
Gifts and grantsLn 1h$210K
Government grantsLn 1e$15K
Fees for servicesLn 2g$64K
Other incomeLn 4–11$3K
Total revenueLn 12$277K
Assets in detailPt X, end of year
CashLn 1$248K
Cash and savings togetherLn 1–2$248K
Land, buildings, equipmentLn 10c$3K
Total assetsLn 16$255K
LiabilitiesLn 26$55K
Net assetsLn 32$200K
OperationsPt I, VI
EmployeesI 54
VolunteersI 61,140
Fiscal year endsHeaderJune
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 FY21End FY21
Cash and savingsLn 1–2$134K$248K
Land, buildings, equipmentLn 10c$4K$3K
Total assetsLn 16$143K$255K
LiabilitiesLn 26$0$55K
Net assetsLn 32$143K$200K
4Every line
Statement of functional expensesPt IX · every line
LineTotalProgramsManagementFundraising
Other salaries and wagesLn 7$161K$147K$13K
Payroll taxesLn 10$13K$12K$1K
Accounting feesLn 11c$1K$1K
Advertising and promotionLn 12$5K$5K
Office expensesLn 13$6K$3K$3K
Information technologyLn 14$2K$2K
TravelLn 17$607$607
Conferences, conventions and meetingsLn 19$554$554
Depreciation, depletion and amortizationLn 22$981$981
InsuranceLn 23$1K$1K
Other expenses (24a–d)Ln 24$20K$17K$3K
All other expensesLn 24e$9K$8K$1K
Total functional expensesLn 25$219K$196K$23K$0

Filing history

YearMoney inMoney outIn minus outNet assetsDownload
FY2025 Latest $497K$447K$49K$600K 990 PDF
FY2024 $435K$413K$22K$531K 990 PDF
FY2023 Not on file
FY2022 $400K$256K$144K$376K 990 PDF
FY2021 Viewing $277K$219K$57K$200K 990 PDF

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Schedules filed Part IV

III · Programs R · Related orgs G · Fundraising L · Interested persons I · Grants A · Public support O · Explanations
See the full FY2021 990 (6 parts)
Part I · Summary $276,696 revenue, 12 lines filed
I-8 Contributions and grantsPrior year $171,082$209,928
I-9 Program service revenuePrior year $18,088$63,858
I-10 Investment income$0
I-11 Other revenuePrior year $2,352$2,910
I-12 Total revenuePrior year $191,522$276,696
I-13 Grants and similar amounts paid$0
I-14 Benefits paid to members$0
I-15 Salaries and benefitsPrior year $173,821$173,922
I-16a Professional fundraising fees$0
I-17 Other expensesPrior year $45,184$45,392
I-18 Total expensesPrior year $219,005$219,314
I-19 Revenue less expensesPrior year −$27,483$57,382
Part VI · Governance 9 of 9 board members independent, 3 to look at
VI-1a Voting members of the governing body9
VI-1b Independent voting members9
VI-12a Written conflict of interest policyNo
VI-13 Written whistleblower policyNo
VI-14 Document retention and destruction policyNo
VI-2 Family or business relationship among officers or directorsNo
VI-15a Process for setting top official's payYes
Part VIII · Statement of revenue $276,696 across 6 lines filed
Lines not itemized here account for $2,910 of total revenue; see the IRS return.
VIII-1b Membership dues$41,489
VIII-1e Government grants$15,000
VIII-1f All other contributions, gifts and grants$153,439
VIII-1h Total contributions, gifts and grants$209,928
VIII-2a-f Program service revenue, itemized rows (sum of 2a–2f as filed)Related to mission $63,858$63,858
VIII-12 Total revenueRelated to mission $66,768$276,696
Part IX · Statement of functional expenses $219,314 across 12 lines filed
IX-7 Other salaries and wagesPrograms $147,397 · Management $13,342$160,739
IX-10 Payroll taxesPrograms $12,089 · Management $1,094$13,183
IX-11c Accounting feesManagement $1,241$1,241
IX-12 Advertising and promotionPrograms $4,554$4,554
IX-13 Office expensesPrograms $2,915 · Management $2,585$5,500
IX-14 Information technologyPrograms $1,673$1,673
IX-17 TravelPrograms $607$607
IX-19 Conferences, conventions and meetingsPrograms $554$554
IX-22 Depreciation, depletion and amortizationPrograms $981$981
IX-23 InsuranceManagement $1,337$1,337
IX-24 Other expenses (24a–d)Programs $17,424 · Management $2,597$20,021
IX-24e All other expensesPrograms $7,906 · Management $1,018$8,924
IX-25 Total functional expensesPrograms $196,100 · Management $23,214 · Fundraising $0$219,314
Part X · Balance sheet $255,260 assets, 9 lines filed
X-1 Cash, non-interest-bearingStart of year $134,392$248,005
X-8 Inventories for sale or useStart of year $4,383$4,383
X-10c Land, buildings and equipment, netStart of year $3,853$2,872
X-16 Total assetsStart of year $142,628$255,260
X-19 Deferred revenue$22,950
X-25 Other liabilities$32,300
X-26 Total liabilitiesStart of year $0$55,250
X-32 Total net assets or fund balancesStart of year $142,628$200,010
X-33 Total liabilities and net assetsStart of year $142,628$255,260
Part XI · Reconciliation of net assets $200,010 net assets at year end
XI-1 Total revenue$276,696
XI-2 Total expenses$219,314
XI-3 Revenue less expenses$57,382
XI-4 Net assets at start of year$142,628
XI-10 Net assets at end of year$200,010

Form 990 e-file (XML) FY2021 from the IRS · Classification, formation year and address from the IRS Business Master File

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