Civic Intelligence

Rural Housing Services Inc

990EZ • Fiscal year 2018 • EIN 52-1306869

Oct 01, 2017 to Sep 30, 2018 • Filed on Jun 18, 2019

1025 Vermont Avenue NW No 606Washington, DC 20005

(202) 842-8600

Siviq Scores

Precomputed percentiles for this filing year versus similar nonprofits in the same peer cohort.

Liabilities / Assets

57th percentile

0.00x

Tied with the lowest-debt nonprofits in its peer group.

2018 filings • 501(c)4 • <$500k nonprofits • Source year 2018

Liabilities / Revenue

57th percentile

0.00x

Tied with the lowest-debt nonprofits in its peer group.

2018 filings • 501(c)4 • <$500k nonprofits • Source year 2018

Net Margin

4th percentile

-113%

Higher net margin than 4% of similar nonprofits.

2018 filings • 501(c)4 • <$500k nonprofits • Source year 2018

Top Officer Pay

86th percentile

$0

Higher top officer pay than 86% of similar nonprofits.

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

2018 filings • 501(c)4 • <$500k nonprofits • Source year 2018

Asset Growth

41st percentile

-1.9%

Faster asset growth than 41% of similar nonprofits.

2018 filings • 501(c)4 • <$500k nonprofits • Annualized from 2017 to 2018

Revenue Growth

10th percentile

-38%

Faster revenue growth than 10% of similar nonprofits.

2018 filings • 501(c)4 • <$500k nonprofits • Annualized from 2017 to 2018

Assets

Down

$457,082

Down $9,020 (-1.9%) from 2017

Net Assets

Down

$457,082

Down $9,020 (-1.9%) from 2017

Liabilities

Flat

$0

Flat from 2017

Revenue

Down

$6,093

Down $3,693 (-38%) from 2017

Expenses

Up

$12,953

Up $11,060 (+584%) from 2017

Net Income

Down

-$6,860

Down $14,753 (-187%) from 2017

Historical Trend

Balance Sheet Trend

The highlighted filing sits inside the broader history for assets, liabilities, and net assets.

$800K$600K$400K$200K$0Assets 2011: $745,196Liabilities 2011: $616,528Net Assets 2011: $128,6682011Assets 2012: $759,963Liabilities 2012: $616,528Net Assets 2012: $143,4352012Assets 2013: $751,896Liabilities 2013: $616,527Net Assets 2013: $135,3692013Assets 2014: $729,897Liabilities 2014: $628,048Net Assets 2014: $101,8492014Assets 2015: $641,149Liabilities 2015: $540,147Net Assets 2015: $101,0022015Assets 2016: $643,446Liabilities 2016: $184,289Net Assets 2016: $459,1572016Assets 2017: $466,102Liabilities 2017: $0Net Assets 2017: $466,1022017Assets 2018: $457,082Liabilities 2018: $0Net Assets 2018: $457,0822018Assets 2019: $474,451Liabilities 2019: $1,340Net Assets 2019: $473,1112019Assets 2020: $476,220Liabilities 2020: $0Net Assets 2020: $476,2202020Assets 2021: $475,525Liabilities 2021: $0Net Assets 2021: $475,5252021Assets 2022: $468,072Liabilities 2022: $0Net Assets 2022: $468,0722022Assets 2023: $481,026Liabilities 2023: $0Net Assets 2023: $481,0262023Assets 2024: $494,723Liabilities 2024: $0Net Assets 2024: $494,7232024

Highlighted filing

2018

Assets$457,082
Liabilities$0
Net Assets$457,082

Operations Trend

Revenue, expenses, and net income across loaded years, with this filing highlighted.

$100K$50K$0-$50K-$100KRevenue 2011: $17,275Expenses 2011: $25,860Net Income 2011: -$8,5852011Revenue 2012: $21,570Expenses 2012: $6,803Net Income 2012: $14,7672012Revenue 2013: $6,171Expenses 2013: $14,237Net Income 2013: -$8,0662013Revenue 2014: $9,840Expenses 2014: $43,360Net Income 2014: -$33,5202014Revenue 2015: $10,464Expenses 2015: $80,939Net Income 2015: -$70,4752015Revenue 2016: $43,732Expenses 2016: $10,487Net Income 2016: $33,2452016Revenue 2017: $9,786Expenses 2017: $1,893Net Income 2017: $7,8932017Revenue 2018: $6,093Expenses 2018: $12,953Net Income 2018: -$6,8602018Revenue 2019: $16,813Expenses 2019: $3,768Net Income 2019: $13,0452019Revenue 2020: $3,607Expenses 2020: $437Net Income 2020: $3,1702020Revenue 2021: $276Expenses 2021: $388Net Income 2021: -$1122021Revenue 2022: $1,708Expenses 2022: $398Net Income 2022: $1,3102022Revenue 2023: $5,097Expenses 2023: $414Net Income 2023: $4,6832023Revenue 2024: $13,269Expenses 2024: $0Net Income 2024: $13,2692024

Highlighted filing

2018

Revenue$6,093
Expenses$12,953
Net Income-$6,860
Jump To
Filing Snapshot
Filing Period
Oct 1, 2017 to Sep 30, 2018
Signed
Jun 18, 2019
Return Version
2017v2.3
Gross Receipts
$6,093
Mission and Program Overview

Mission

To promote the social welfare of low-income persons in rural areas and communities of the u.s.

Program Services

DescriptionGrantsExpenses
RURAL HOUSING SERVICES, INC. (RHS) MANAGED THE OPERATIONS OF ALL ITS LOW-INCOME HOUSING PROJECTS.$0$0
Compensation and Service Providers

Employees

NameTitleFull / Part TimeBaseOtherTotal
ANDY BIASSecretary/Treasurer-$0--
LAURA BUXBAUMDirector-$0--
PETER CAREYDirector-$0--
JANAKA CASPERDirector - Until 12/2017-$0--
NINFA R GUTIERREZDirector-$0--
POLLY NICHOLDirector - Until 11/2017-$0--
LAURIETTE WEST-HOFFDirector-$0--
DAVID LIPSETZ - AS OF 112017Chief Executive Officer-$0--
MOISES LOZAPresident - Until 10/2017-$0--
KARIN KLUSMANNAssistant Secretary/Treasurer-$0--
Filing and Contact Details

Filer

Filer Name
Rural Housing Services Inc
EIN
52-1306869
Phone
2028428600
Address
1025 VERMONT AVENUE NW NO 606, WASHINGTON, DC 20005

Signing Officer

Name
David Lipsetz
Title
President
Phone
2028428600
Signed
2019-06-18
Discuss with paid preparer
Yes

Preparer

Firm
Marcum Llp
Address
1899 L STREET NW SUITE 850, WASHINGTON, DC 20036
Preparer
Frank H Smith
Phone
2022274000
Supplemental Narrative

Additional Explanations

Form 990-ez, Part I, Line 4 - Other Investment Income

Description: interest. Amount: 6,093.

Form 990-ez, Part I, Line 16 - Other Expenses

Description: miscellaneous. Amount: 913. Description: project expenses. Amount: 10,450. Total to form 990-ez, line 16: 11,363.

Form 990-ez, Part I, Line 20 - Other Changes in Net Assets

Description: unrealized loss. Amount: -2,160.

Raw XML Appendix157 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
IRS990EZ/ActivitiesNotPreviouslyRptInd00
IRS990EZ/BooksInCareOfDetail/BusinessName/BusinessNameLine1Txt0KARIN KLUSMANN
IRS990EZ/BooksInCareOfDetail/PhoneNum02028428600
IRS990EZ/BooksInCareOfDetail/USAddress/AddressLine1Txt01025 VERMONT AVENUE NW NO 606
IRS990EZ/BooksInCareOfDetail/USAddress/CityNm0WASHINGTON
IRS990EZ/BooksInCareOfDetail/USAddress/StateAbbreviationCd0DC
IRS990EZ/BooksInCareOfDetail/USAddress/ZIPCd020005
IRS990EZ/CashSavingsAndInvestmentsGrp/BOYAmt0466102
IRS990EZ/CashSavingsAndInvestmentsGrp/EOYAmt0457082
IRS990EZ/ChgMadeToOrgnzngDocNotRptInd00
IRS990EZ/DirectIndirectPltclExpendAmt00
IRS990EZ/DonorAdvisedFndsInd00
IRS990EZ/EngagedInExcessBenefitTransInd00
IRS990EZ/ExcessOrDeficitForYearAmt0-6860
IRS990EZ/FeesAndOtherPymtToIndCntrctAmt01590
IRS990EZ/ForeignFinancialAccountInd00
IRS990EZ/ForeignOfficeInd00
IRS990EZ/Form990TotalAssetsGrp/BOYAmt0466102
IRS990EZ/Form990TotalAssetsGrp/EOYAmt0457082
IRS990EZ/GrossReceiptsAmt06093
IRS990EZ/InfoInScheduleOPartIIIInd0X
IRS990EZ/InfoInScheduleOPartIInd0X
IRS990EZ/InfoInScheduleOPartVInd0X
IRS990EZ/InvestmentIncomeAmt06093
IRS990EZ/MadeLoansToFromOfficersInd00
IRS990EZ/MethodOfAccountingAccrualInd0X
IRS990EZ/NetAssetsOrFundBalancesBOYAmt0466102
IRS990EZ/NetAssetsOrFundBalancesEOYAmt0457082
IRS990EZ/NetAssetsOrFundBalancesGrp/BOYAmt0466102
IRS990EZ/NetAssetsOrFundBalancesGrp/EOYAmt0457082
IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt00.10
IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt10.10
IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt20.10
IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt30.10
IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt40.10
IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt50.10
IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt60.10
IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt70.10
IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt80.10
IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt90.10
IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt00
IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt10
IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt20
IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt30
IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt40
IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt50
IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt60
IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt70
IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt80
IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt90
IRS990EZ/OfficerDirectorTrusteeEmplGrp/EmployeeBenefitProgramAmt00
IRS990EZ/OfficerDirectorTrusteeEmplGrp/EmployeeBenefitProgramAmt10
IRS990EZ/OfficerDirectorTrusteeEmplGrp/EmployeeBenefitProgramAmt20
IRS990EZ/OfficerDirectorTrusteeEmplGrp/EmployeeBenefitProgramAmt30
IRS990EZ/OfficerDirectorTrusteeEmplGrp/EmployeeBenefitProgramAmt40
IRS990EZ/OfficerDirectorTrusteeEmplGrp/EmployeeBenefitProgramAmt50
IRS990EZ/OfficerDirectorTrusteeEmplGrp/EmployeeBenefitProgramAmt60
IRS990EZ/OfficerDirectorTrusteeEmplGrp/EmployeeBenefitProgramAmt70
IRS990EZ/OfficerDirectorTrusteeEmplGrp/EmployeeBenefitProgramAmt80
IRS990EZ/OfficerDirectorTrusteeEmplGrp/EmployeeBenefitProgramAmt90
IRS990EZ/OfficerDirectorTrusteeEmplGrp/ExpenseAccountOtherAllwncAmt00
IRS990EZ/OfficerDirectorTrusteeEmplGrp/ExpenseAccountOtherAllwncAmt10
IRS990EZ/OfficerDirectorTrusteeEmplGrp/ExpenseAccountOtherAllwncAmt20
IRS990EZ/OfficerDirectorTrusteeEmplGrp/ExpenseAccountOtherAllwncAmt30
IRS990EZ/OfficerDirectorTrusteeEmplGrp/ExpenseAccountOtherAllwncAmt40
IRS990EZ/OfficerDirectorTrusteeEmplGrp/ExpenseAccountOtherAllwncAmt50
IRS990EZ/OfficerDirectorTrusteeEmplGrp/ExpenseAccountOtherAllwncAmt60
IRS990EZ/OfficerDirectorTrusteeEmplGrp/ExpenseAccountOtherAllwncAmt70
IRS990EZ/OfficerDirectorTrusteeEmplGrp/ExpenseAccountOtherAllwncAmt80
IRS990EZ/OfficerDirectorTrusteeEmplGrp/ExpenseAccountOtherAllwncAmt90
IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm0ANDY BIAS
IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm1LAURA BUXBAUM
IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm2PETER CAREY
IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm3JANAKA CASPER
IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm4NINFA R GUTIERREZ
IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm5POLLY NICHOL
IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm6LAURIETTE WEST-HOFF
IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm7DAVID LIPSETZ - AS OF 112017
IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm8MOISES LOZA
IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm9KARIN KLUSMANN
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt0SECRETARY/TREASURER
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt1DIRECTOR
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt2DIRECTOR
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt3DIRECTOR - UNTIL 12/2017
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt4DIRECTOR
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt5DIRECTOR - UNTIL 11/2017
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt6DIRECTOR
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt7CHIEF EXECUTIVE OFFICER
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt8PRESIDENT - UNTIL 10/2017
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt9ASSISTANT SECRETARY/TREASURER
IRS990EZ/OperateHospitalInd00
IRS990EZ/Organization501cInd0X
IRS990EZ/OrganizationDissolvedEtcInd00
IRS990EZ/OrganizationHadUBIInd00
IRS990EZ/OtherChangesInNetAssetsAmt0-2160
IRS990EZ/OtherExpensesTotalAmt011363
IRS990EZ/PoliticalCampaignActyInd00
IRS990EZ/PrimaryExemptPurposeTxt0TO PROMOTE THE SOCIAL WELFARE OF LOW-INCOME PERSONS IN RURAL AREAS AND COMMUNITIES OF THE U.S.
IRS990EZ/ProgramSrvcAccomplishmentGrp/DescriptionProgramSrvcAccomTxt0RURAL HOUSING SERVICES, INC. (RHS) MANAGED THE OPERATIONS OF ALL ITS LOW-INCOME HOUSING PROJECTS.
IRS990EZ/ProgramSrvcAccomplishmentGrp/GrantsAndAllocationsAmt00
IRS990EZ/ProgramSrvcAccomplishmentGrp/ProgramServiceExpensesAmt00
IRS990EZ/ProhibitedTaxShelterTransInd00
IRS990EZ/RelatedOrganizationCtrlEntInd00
IRS990EZ/ScheduleBNotRequiredInd0X
IRS990EZ/SubjectToProxyTaxInd00
IRS990EZ/SumOfTotalLiabilitiesGrp/BOYAmt00
IRS990EZ/SumOfTotalLiabilitiesGrp/EOYAmt00
IRS990EZ/TanningServicesProvidedInd00
IRS990EZ/TaxImposedOnOrganizationMgrAmt00
IRS990EZ/TaxReimbursedByOrganizationAmt00
IRS990EZ/TotalExpensesAmt012953
IRS990EZ/TotalProgramServiceExpensesAmt00
IRS990EZ/TotalRevenueAmt06093
IRS990EZ/TypeOfOrganizationCorpInd0X
IRS990EZ/WebsiteAddressTxt0N/A
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0DESCRIPTION: INTEREST. AMOUNT: 6,093.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1DESCRIPTION: MISCELLANEOUS. AMOUNT: 913. DESCRIPTION: PROJECT EXPENSES. AMOUNT: 10,450. TOTAL TO FORM 990-EZ, LINE 16: 11,363.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2DESCRIPTION: UNREALIZED LOSS. AMOUNT: -2,160.
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0FORM 990-EZ, PART I, LINE 4 - OTHER INVESTMENT INCOME
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1FORM 990-EZ, PART I, LINE 16 - OTHER EXPENSES
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2FORM 990-EZ, PART I, LINE 20 - OTHER CHANGES IN NET ASSETS
TransferPrsnlBnftContractsDecl/DeclarationDesc0THE ORGANIZATION DID NOT, DURING THE YEAR, RECEIVE ANY FUNDS, DIRECTLY,OR INDIRECTLY, TO PAY PREMIUMS ON A PERSONAL BENEFIT CONTRACT.THE ORGANIZATION, DID NOT, DURING THE YEAR, PAY ANY PREMIUMS, DIRECTLY,OR INDIRECTLY, ON A PERSONAL BENEFIT CONTRACT.
ReturnHeader/BuildTS02019-02-21 02:37:17Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd01
ReturnHeader/BusinessOfficerGrp/PersonNm0DAVID LIPSETZ
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0PRESIDENT
ReturnHeader/BusinessOfficerGrp/PhoneNum02028428600
ReturnHeader/BusinessOfficerGrp/SignatureDt02019-06-18
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0RURAL HOUSING SERVICES INC
ReturnHeader/Filer/BusinessNameControlTxt0RURA
ReturnHeader/Filer/EIN0521306869
ReturnHeader/Filer/PhoneNum02028428600
ReturnHeader/Filer/USAddress/AddressLine1Txt01025 VERMONT AVENUE NW NO 606
ReturnHeader/Filer/USAddress/CityNm0WASHINGTON
ReturnHeader/Filer/USAddress/StateAbbreviationCd0DC
ReturnHeader/Filer/USAddress/ZIPCd020005
ReturnHeader/FilingSecurityInformation/AtSubmissionCreationDeviceId0DA39A3EE5E6B4B0D3255BFEF95601890AFD80709
ReturnHeader/FilingSecurityInformation/AtSubmissionFilingDeviceId0B9A2C5FBBCA55672FA04EB4323245C44E5B3DA96
ReturnHeader/FilingSecurityInformation/FilingLicenseTypeCd0P
ReturnHeader/FilingSecurityInformation/IPAddress/IPv4AddressTxt047.19.127.190
ReturnHeader/FilingSecurityInformation/IPDt02019-06-18
ReturnHeader/FilingSecurityInformation/IPTimezoneCd0ED
ReturnHeader/FilingSecurityInformation/IPTm007:49:24
ReturnHeader/PreparerFirmGrp/PreparerFirmEIN0521511275
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt0MARCUM LLP
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt01899 L STREET NW SUITE 850
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm0WASHINGTON
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd0DC
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCd020036
ReturnHeader/PreparerPersonGrp/PhoneNum02022274000
ReturnHeader/PreparerPersonGrp/PreparationDt02019-06-18
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0FRANK H SMITH
ReturnHeader/ReturnTs02019-06-18T07:49:26-05:00
ReturnHeader/ReturnTypeCd0990EZ
ReturnHeader/TaxPeriodBeginDt02017-10-01
ReturnHeader/TaxPeriodEndDt02018-09-30
ReturnHeader/TaxYr02017

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Detailed filing. Detailed filing data is available for this year.$4.95$0.00$4.95$0.13$0.00$0.13
2023XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$4.81$0.00$4.81$0.05$0.00$0.05
2022XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$4.68$0.00$4.68$0.02$0.00$0.01
2021XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$4.76$0.00$4.76$0.00$0.00$0.00
2020Detailed filing. Detailed filing data is available for this year.$4.76$0.00$4.76$0.04$0.00$0.03
2019XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$4.74$0.01$4.73$0.17$0.04$0.13
2018Detailed filing. Detailed filing data is available for this year.$4.57$0.00$4.57$0.06$0.13$0.07
2017XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$4.66$0.00$4.66$0.10$0.02$0.08
2016Detailed filing. Detailed filing data is available for this year.$6.43$1.84$4.59$0.44$0.10$0.33
2015Detailed filing. Detailed filing data is available for this year.$6.41$5.40$1.01$0.10$0.81$0.70
2014Summary only. Only limited summary data is available for this year.$7.30$6.28$1.02$0.10$0.43$0.34
2013Summary only. Only limited summary data is available for this year.$7.52$6.17$1.35$0.06$0.14$0.08
2012Summary only. Only limited summary data is available for this year.$7.60$6.17$1.43$0.22$0.07$0.15
2011Summary only. Only limited summary data is available for this year.$7.45$6.17$1.29$0.17$0.26$0.09
Peer Organizations

Similar nonprofits based on the same Siviq industry and scale cohort. 2018 filings • 501(c)4 • <$500k nonprofits