Civic Intelligence

Benzie County Chamber of Commerce

EIN 38-2380402 • 501(c)6 • Benzonia, MI

Profile

TO PROMOTE BENZIE COUNTY

826 Michigan Ave PO Box 204Benzonia, MI 49616

www.benzie.org

Siviq Scores

Precomputed percentiles relative to similar nonprofits. These scores are descriptive rather than judgmental.

Liabilities / Assets

60th percentile

0.02x

Higher debt load relative to assets than 60% of similar nonprofits.

501(c)6 • <$500k nonprofits • Source year 2024

Liabilities / Revenue

64th percentile

0.02x

Higher debt load relative to revenue than 64% of similar nonprofits.

501(c)6 • <$500k nonprofits • Source year 2024

Net Margin

14th percentile

-39%

Higher net margin than 14% of similar nonprofits.

501(c)6 • <$500k nonprofits • Source year 2024

Top Officer Pay

77th percentile

$0

Higher top officer pay than 77% of similar nonprofits.

Top officer pay equals 0.0% of source-year revenue.

501(c)6 • <$500k nonprofits • Source year 2024

Asset Growth

12th percentile

-64%

Faster asset growth than 12% of similar nonprofits.

501(c)6 • <$500k nonprofits • Annualized from 2023 to 2024

Revenue Growth

33rd percentile

-12%

Faster revenue growth than 33% of similar nonprofits.

501(c)6 • <$500k nonprofits • Annualized from 2023 to 2024

Balance Sheet
Liabilities / Assets60th percentile

Assets

Down

$93,134

Down $162,698 (-64%) from 2023

Liabilities

Down

$1,510

Down $130,869 (-99%) from 2023

Net Assets

Down

$91,624

Down $31,829 (-26%) from 2023

Operations
Liabilities / Revenue64th percentileNet Margin14th percentile

Revenue

Down

$81,107

Down $10,606 (-12%) from 2023

Expenses

Up

$112,936

Up $3,282 (+3.0%) from 2023

Net Income

Down

-$31,829

Down $13,888 (-77%) from 2023

Trend Graphs

Balance Sheet Trend

Asset Growth12th percentile

Grouped bars show assets, liabilities, and net assets across loaded filings.

$600K$400K$200K$0Assets 2012: $412,661Liabilities 2012: $242,295Net Assets 2012: $170,3662012Assets 2013: $415,522Liabilities 2013: $236,791Net Assets 2013: $178,7312013Assets 2014: $383,627Liabilities 2014: $230,131Net Assets 2014: $153,4962014Assets 2015: $379,358Liabilities 2015: $221,384Net Assets 2015: $157,9742015Assets 2016: $386,150Liabilities 2016: $212,653Net Assets 2016: $173,4972016Assets 2017: $373,176Liabilities 2017: $203,225Net Assets 2017: $169,9512017Assets 2018: $372,201Liabilities 2018: $194,169Net Assets 2018: $178,0322018Assets 2019: $346,563Liabilities 2019: $183,300Net Assets 2019: $163,2632019Assets 2020: $366,908Liabilities 2020: $172,271Net Assets 2020: $194,6372020Assets 2021: $326,612Liabilities 2021: $158,928Net Assets 2021: $167,6842021Assets 2022: $288,049Liabilities 2022: $146,655Net Assets 2022: $141,3942022Assets 2023: $255,832Liabilities 2023: $132,379Net Assets 2023: $123,4532023Assets 2024: $93,134Liabilities 2024: $1,510Net Assets 2024: $91,6242024

Highlighted filing

2024

Assets$93,134
Liabilities$1,510
Net Assets$91,624
Open 2024 Filing

Operations Trend

Revenue Growth33rd percentile

Revenue, expenses, and net income by year, with the latest filing highlighted.

$300K$200K$100K$0-$100KRevenue 2012: $119,619Expenses 2012: $68,455Net Income 2012: $51,1642012Revenue 2013: $184,614Expenses 2013: $176,249Net Income 2013: $8,3652013Revenue 2014: $165,220Expenses 2014: $192,040Net Income 2014: -$26,8202014Revenue 2015: $181,924Expenses 2015: $175,861Net Income 2015: $6,0632015Revenue 2016: $204,008Expenses 2016: $188,485Net Income 2016: $15,5232016Revenue 2017: $189,416Expenses 2017: $192,898Net Income 2017: -$3,4822017Revenue 2018: $202,383Expenses 2018: $194,302Net Income 2018: $8,0812018Revenue 2019: $165,130Expenses 2019: $179,899Net Income 2019: -$14,7692019Revenue 2020: $210,636Expenses 2020: $179,262Net Income 2020: $31,3742020Revenue 2021: $79,139Expenses 2021: $111,754Net Income 2021: -$32,6152021Revenue 2022: $96,626Expenses 2022: $122,916Net Income 2022: -$26,2902022Revenue 2023: $91,713Expenses 2023: $109,654Net Income 2023: -$17,9412023Revenue 2024: $81,107Expenses 2024: $112,936Net Income 2024: -$31,8292024

Highlighted filing

2024

Revenue$81,107
Expenses$112,936
Net Income-$31,829
Open 2024 Filing

Filings

Most recent year

2024 • Form 990Facts available. Structured filing facts are available, but richer extracted sections are limited.

Open filing
Assets
$93,134
Liabilities
$1,510
Net assets
$91,624
Revenue
$81,107
Expenses
$112,936
Net income
-$31,829
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Facts available. Structured filing facts are available, but richer extracted sections are limited.$0.93$0.02$0.92$0.81$1.13$0.32
2023XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$2.56$1.32$1.23$0.92$1.10$0.18
2022Detailed filing. Detailed filing data is available for this year.$2.88$1.47$1.41$0.97$1.23$0.26
2021XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$3.27$1.59$1.68$0.79$1.12$0.33
2020XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$3.67$1.72$1.95$2.11$1.79$0.31
2019Facts available. Structured filing facts are available, but richer extracted sections are limited.$3.47$1.83$1.63$1.65$1.80$0.15
2018XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$3.72$1.94$1.78$2.02$1.94$0.08
2017XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$3.73$2.03$1.70$1.89$1.93$0.03
2016XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$3.86$2.13$1.73$2.04$1.88$0.16
2015XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$3.79$2.21$1.58$1.82$1.76$0.06
2014XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$3.84$2.30$1.53$1.65$1.92$0.27
2013Summary only. Only limited summary data is available for this year.$4.16$2.37$1.79$1.85$1.76$0.08
2012Summary only. Only limited summary data is available for this year.$4.13$2.42$1.70$1.20$0.68$0.51
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2024 to Dec 31, 2024
Signed
Aug 26, 2025
Return Version
2024v5.2
Gross Receipts
$379,147
Mission and Program Overview

Mission

TO PROMOTE BENZIE COUNTY

Balance Sheet Detail
LineBeginningEndChange
Assets
Land, Buildings, and Equipment, Net$255,428$0▼ $255,428
Cash and Non-Interest-Bearing Accounts$395$61,342▲ $60,947
Savings and Temporary Cash Investments$9$31,792▲ $31,783
Total Assets$255,832$93,134▼ $162,698
Liabilities
Other Liabilities$132,379$0▼ $132,379
Accounts Payable and Accrued Expenses-$1,510-
Total Liabilities$132,379$1,510▼ $130,869
Net Assets / Fund Balance
Net Assets Without Donor Restrictions$123,453$91,624▼ $31,829
Total Net Assets Fund Balance$123,453$91,624▼ $31,829
Total Liabilities and Net Assets / Fund Balance$255,832$93,134▼ $162,698

Asset Categories

AssetBook ValueDepreciationBasis
Equipment$0$16,218-
Compensation and Service Providers
Top Officer Pay77th percentile

Board Members and Trustees

NameTitle
Mercedes Michalowski-bowyerChairperson
Norman PlumsteadVice Chairman
Dan EnglerDirector
Kristi JohnsonDirector
Lindy EvansDirector
Stephanie ScottDirector
Scott KladderTreasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$52,022
Program Service Revenue
$6,312
Investment Income
$23,929
Other Revenue
$-1,156
Change in Net Assets
$-31,829
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$66,141
Salaries, Compensation, and Employee Benefits$46,795
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$40,358
Occupancy---$11,630
Other Expenses---$5,652
All Other Expenses---$5,601
Fees for Services Accounting---$4,950
Office Expenses---$4,555
Payroll Taxes---$3,398
Conferences and Meetings---$3,091
Other Employee Benefits---$3,039
Interest---$2,086
Information Technology---$2,034
Depreciation Depletion---$723
Travel---$656
Insurance---$586
Advertising---$176
Total Functional Expenses$0$0$0$112,936
Fundraising, Events, and Gaming
Fundraising activities
No
Gaming activities
No
Professional fundraiser used
No

Fundraising and Gaming Totals

Line ItemAmount
Fundraising Direct Expenses$20,383
Fundraising Gross Income$11,725
Gaming Gross Income$2,367
Gaming Direct Expenses$236
Professional Fundraising Fees$0
Political and Lobbying Activity
Political campaign activity
No
In-house lobbying only
Yes
Subject to proxy tax
Yes
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Business relationship with 35% controlled entity
No
Business relationship with family members
No
Business relationship with organization members
No
Material changes to governing documents
No
Compensation from other sources disclosed
No
CEO compensation reviewed
Yes
Other officer compensation reviewed
No
Conflict-of-interest policy
No
Audited financial statements prepared
No
Key decisions subject to board approval
No
Management duties delegated
No

Governance Explanations

Form 990, Part VI, Section B, Line 11B

“A copy of this return is provided to the board prior to filing.”

Form 990, Part VI, Section B, Line 15A

“The process for determining compensation for the organization's top management official includes a review and approval by independent persons, comparability data, and substantiation of the decision.”

Form 990, Part VI, Section C, Line 19

“The organization makes its governing documents and financial statements available to the public by request only.”

Filing and Contact Details

Filer

Filer Name
Benzie County Chamber of Commerce
EIN
38-2380402
Phone
2318825801
Address
826 MICHIGAN AVE PO BOX 204, BENZONIA, MI 49616

Signing Officer

Name
Scott Kladder
Title
Treasurer
Phone
6169158413
Signed
2025-08-26
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Scott Kladder
Formed
1981
Legal Domicile
Mi
Voting Board Members
7
Independent Board Members
7
Employees
1
Volunteers
7

Preparer

Firm
Uhy Advisors Great Lakes Inc
Address
134 W HARRIS STREET, CADILLAC, MI 49601
Preparer
Angela K Kopriva
Phone
2317759789
Raw XML Appendix339 raw XML fields

This appendix keeps the raw XML leaves available for debugging and edge-case review. The human report above is the primary experience.

Path#Value
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IRS990/AllOtherExpensesGrp/TotalAmt05601
IRS990/BooksInCareOfDetail/BusinessName/BusinessNameLine1Txt0SCOTT KLADDER
IRS990/BooksInCareOfDetail/PhoneNum06169158413
IRS990/BooksInCareOfDetail/USAddress/AddressLine1Txt07869 HURON TRAIL
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IRS990/ConflictOfInterestPolicyInd00
IRS990/ConservationEasementsInd00
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IRS990/CreditCounselingInd00
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IRS990/Form990PartVIISectionAGrp/PersonNm0MERCEDES MICHALOWSKI-BOWYER
IRS990/Form990PartVIISectionAGrp/PersonNm1NORMAN PLUMSTEAD
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IRS990/Form990PartVIISectionAGrp/PersonNm3KRISTI JOHNSON
IRS990/Form990PartVIISectionAGrp/PersonNm4DAN ENGLER
IRS990/Form990PartVIISectionAGrp/PersonNm5LINDY EVANS
IRS990/Form990PartVIISectionAGrp/PersonNm6STEPHANIE SCOTT
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IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt00
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IRS990/Form990PartVIISectionAGrp/TitleTxt4DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt5DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt6DIRECTOR
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IRS990/GamingActivitiesInd00
IRS990/GamingDirectExpensesAmt0236
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IRS990/GrantsToIndividualsInd00
IRS990/GrantsToOrganizationsInd00
IRS990/GrantToRelatedPersonInd00
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IRS990/GroupReturnForAffiliatesInd00
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IRS990/InvestmentInJointVentureInd00
IRS990/IRPDocumentCnt00
IRS990/IRPDocumentW2GCnt00
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IRS990ScheduleC/AgreeCarryoverPriorYearInd00
IRS990ScheduleC/OnlyInHouseLobbyingInd01
IRS990ScheduleC/SubstantiallyAllDuesNondedInd00
IRS990ScheduleD/EquipmentGrp/BookValueAmt00
IRS990ScheduleD/EquipmentGrp/DepreciationAmt016218
IRS990ScheduleD/EquipmentGrp/InvestmentCostOrOtherBasisAmt016218
IRS990ScheduleD/TotalBookValueLandBuildingsAmt00
IRS990/ScheduleJRequiredInd00
IRS990/ScheduleORequiredInd01
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0A COPY OF THIS RETURN IS PROVIDED TO THE BOARD PRIOR TO FILING.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1THE PROCESS FOR DETERMINING COMPENSATION FOR THE ORGANIZATION'S TOP MANAGEMENT OFFICIAL INCLUDES A REVIEW AND APPROVAL BY INDEPENDENT PERSONS, COMPARABILITY DATA, AND SUBSTANTIATION OF THE DECISION.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2THE ORGANIZATION MAKES ITS GOVERNING DOCUMENTS AND FINANCIAL STATEMENTS AVAILABLE TO THE PUBLIC BY REQUEST ONLY.
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0FORM 990, PART VI, SECTION B, LINE 11B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1FORM 990, PART VI, SECTION B, LINE 15A
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2FORM 990, PART VI, SECTION C, LINE 19
IRS990/SchoolOperatingInd00
IRS990/SignificantChangeInd00
IRS990/SignificantNewProgramSrvcInd00
IRS990/SubjectToExcsTaxNetInvstIncInd00
IRS990/SubjectToProxyTaxInd01
IRS990/SubjToTaxRmnrtnExPrchtPymtInd00
IRS990/TaxablePartyNotificationInd00
IRS990/TaxExemptBondsInd00
IRS990/TerminateOperationsInd00
IRS990/TotalAssetsBOYAmt0255832
IRS990/TotalAssetsEOYAmt093134
IRS990/TotalAssetsGrp/BOYAmt0255832
IRS990/TotalAssetsGrp/EOYAmt093134
IRS990/TotalCompGreaterThan150KInd00
IRS990/TotalContributionsAmt052022
IRS990/TotalEmployeeCnt01
IRS990/TotalFunctionalExpensesGrp/TotalAmt0112936
IRS990/TotalGrossUBIAmt00
IRS990/TotalLiabilitiesBOYAmt0132379
IRS990/TotalLiabilitiesEOYAmt01510
IRS990/TotalLiabilitiesGrp/BOYAmt0132379
IRS990/TotalLiabilitiesGrp/EOYAmt01510
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt0123453
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt091624
IRS990/TotalOtherCompensationAmt00
IRS990/TotalProgramServiceRevenueAmt06312
IRS990/TotalReportableCompFromOrgAmt00
IRS990/TotalRevenueGrp/ExclusionAmt0-7308
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt036393
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt081107
IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt00
IRS990/TotalVolunteersCnt07
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt0255832
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt093134
IRS990/TotReportableCompRltdOrgAmt00
IRS990/TravelGrp/TotalAmt0656
IRS990/TypeOfOrganizationCorpInd0X
IRS990/UnrelatedBusIncmOverLimitInd00
IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine1Txt07869 HURON TRAIL
IRS990/USAddress/CityNm0THOMPSONVILLE
IRS990/USAddress/StateAbbreviationCd0MI
IRS990/USAddress/ZIPCd049683
IRS990/VotingMembersGoverningBodyCnt07
IRS990/VotingMembersIndependentCnt07
IRS990/WebsiteAddressTxt0WWW.BENZIE.ORG
IRS990/WhistleblowerPolicyInd00
ReturnHeader/BuildTS02025-03-06 01:10:19Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd01
ReturnHeader/BusinessOfficerGrp/PersonNm0SCOTT KLADDER
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0TREASURER
ReturnHeader/BusinessOfficerGrp/PhoneNum06169158413
ReturnHeader/BusinessOfficerGrp/SignatureDt02025-08-26
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0BENZIE COUNTY CHAMBER OF COMMERCE
ReturnHeader/Filer/BusinessNameControlTxt0BENZ
ReturnHeader/Filer/EIN0382380402
ReturnHeader/Filer/PhoneNum02318825801
ReturnHeader/Filer/USAddress/AddressLine1Txt0826 MICHIGAN AVE PO BOX 204
ReturnHeader/Filer/USAddress/CityNm0BENZONIA
ReturnHeader/Filer/USAddress/StateAbbreviationCd0MI
ReturnHeader/Filer/USAddress/ZIPCd049616
ReturnHeader/IRSResponsiblePrtyInfoCurrInd01
ReturnHeader/PreparerFirmGrp/PreparerFirmEIN0381910111
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt0UHY ADVISORS GREAT LAKES INC
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt0134 W HARRIS STREET
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm0CADILLAC
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd0MI
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCd049601
ReturnHeader/PreparerPersonGrp/PhoneNum02317759789
ReturnHeader/PreparerPersonGrp/PreparationDt02025-08-21
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0ANGELA K KOPRIVA
ReturnHeader/ReturnTs02025-09-10T08:28:28-05:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02024-01-01
ReturnHeader/TaxPeriodEndDt02024-12-31
ReturnHeader/TaxYr02024

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