Liabilities / Assets
79th percentile
Higher debt load relative to assets than 79% of similar nonprofits.
990 • Fiscal year 2019 • EIN 59-2239334
Precomputed percentiles for this filing year versus similar nonprofits in the same peer cohort.
Liabilities / Assets
79th percentile
Higher debt load relative to assets than 79% of similar nonprofits.
Liabilities / Revenue
77th percentile
Higher debt load relative to revenue than 77% of similar nonprofits.
Net Margin
62nd percentile
Higher net margin than 62% of similar nonprofits.
Top Officer Pay
87th percentile
Higher top officer pay than 87% of similar nonprofits.
Top officer pay equals 14.2% of source-year revenue.
Asset Growth
80th percentile
Faster asset growth than 80% of similar nonprofits.
Revenue Growth
59th percentile
Faster revenue growth than 59% of similar nonprofits.
Assets
Up$218,751
Up $41,623 (+23%) from 2018
Net Assets
Up$185,105
Up $27,537 (+17%) from 2018
Liabilities
Up$33,646
Up $14,086 (+72%) from 2018
Revenue
Up$378,886
Up $17,473 (+4.8%) from 2018
Expenses
Up$351,349
Up $27,445 (+8.5%) from 2018
Net Income
Down$27,537
Down $9,972 (-27%) from 2018
Advancement of community welfare through programs and services that serve the community as a whole as well as the businesses that service the riverview community.
| Line | Beginning | End | Change |
|---|---|---|---|
| Assets | |||
| Rtn Earn Endowment Incm Other Fnds | $157,568 | $185,105 | ▲ $27,537 |
| Savings and Temporary Cash Investments | $129,476 | $161,862 | ▲ $32,386 |
| Accounts Receivable | $25,642 | $27,574 | ▲ $1,932 |
| Cash and Non-Interest-Bearing Accounts | $19,352 | $26,657 | ▲ $7,305 |
| Total Assets | $177,128 | $218,751 | ▲ $41,623 |
| Other Assets Total | $2,658 | $2,658 | → $0 |
| Liabilities | |||
| Deferred Revenue | $8,850 | $19,580 | ▲ $10,730 |
| Accounts Payable and Accrued Expenses | $7,000 | $8,607 | ▲ $1,607 |
| Other Liabilities | $3,710 | $5,459 | ▲ $1,749 |
| Total Liabilities | $19,560 | $33,646 | ▲ $14,086 |
| Net Assets / Fund Balance | |||
| Total Net Assets Fund Balance | $157,568 | $185,105 | ▲ $27,537 |
| Total Liabilities and Net Assets / Fund Balance | $177,128 | $218,751 | ▲ $41,623 |
| Asset | Book Value | Depreciation | Basis |
|---|---|---|---|
| Other Land Buildings | $7,875 | - | $7,875 |
| Equipment | $2,447 | - | $2,447 |
| Name | Title | Full / Part Time | Base | Total |
|---|---|---|---|---|
| Tanya Doran | Executive Di | FT | $53,988 | $53,988 |
| Name | Title |
|---|---|
| Michelle Mosher | President |
| Michael Jones | President El |
| Jim Johnson | Board Emerit |
| Christian Beiter | Director |
| Dan Bender | Director |
| Faith Hanaway | Director |
| Janet Noah | Director |
| Jill Andrew | Director |
| Kendra Wilson | Director |
| Marijean Reith | Director |
| Michael Broussard | Director |
| Nikki Foster | Director |
| Rinky Parwani | Director |
| Bill Andrew | Honorary May |
| Elijah Heath | Past Preside |
| Jerry Rothstein | Treasurer |
| James J Pulkowski | Treasurer El |
| Line Item | Amount |
|---|---|
| Salaries, Compensation, and Employee Benefits | $193,593 |
| Other Expenses | $157,756 |
| Grants and Similar Amounts Paid | $0 |
| Professional Fundraising Fees | $0 |
| Total Fundraising Expense | $0 |
| Line Item | Program | Management | Fundraising | Total |
|---|---|---|---|---|
| Other Salaries and Wages | $118,411 | $57,466 | - | $175,877 |
| All Other Expenses | $30,833 | $13,476 | - | $44,309 |
| Occupancy | - | $17,242 | - | $17,242 |
| Office Expenses | $8,549 | $7,686 | - | $16,235 |
| Payroll Taxes | - | $13,781 | - | $13,781 |
| Other Expenses | $10,118 | - | - | $10,118 |
| Insurance | $3,005 | $1,285 | - | $4,290 |
| Information Technology | $4,003 | - | - | $4,003 |
| Other Employee Benefits | $2,642 | $1,293 | - | $3,935 |
| Advertising | $2,100 | $1,188 | - | $3,288 |
| Fees for Services Accounting | - | $939 | - | $939 |
| Total Functional Expenses | $236,993 | $114,356 | $0 | $351,349 |
| Line Item | Amount |
|---|---|
| Professional Fundraising Fees | $0 |
| Liability | Amount |
|---|---|
| Payroll Taxes Payable | $3,972 |
| Scholarship Fund Liability | $1,200 |
| Futa / Suta Liability | $287 |
“Board of directors are nominated by the overall chamber members. Then a nominating committee of 3 members reviews the information supplied by the candidates and scores the candidates. The nominating committee then presents list of the final candidates for block up or down vote by the board of directors. A member of the board of the directors serves for a three year term. A board member can be re-nominated for a second three year term and if they are approved by the nominating committee and the overall board of directors then they can serve a second three year term. A board member must rotate off the board of directors for one year after they have served their second term. After that one year off the board then they can reapply to rejoin the board of directors during the board's normal nominating process.”
“The form 990 is submitted to the executive director for her review, discussion, and approval. The form 990 is then presented to the board of directors at their next scheduled monthly meeting for their comment.”
“The board of director's appointments a special committee to annually review the salary, overall compensation package, and performance of its executive director.”
“All governing documents are maintained at the chamber's office and are open for public inspection during normal business hours.”
“The "mayor's race" is for an honorary position on the board of directors. The chamber members who decide that they would like to "run" for this honorary position get "votes" by having events in which they raise money to help benefit a 501(c)(3) charity of their choosing. The person who raises the most money for their charity becomes the "honorary mayor of riverview" for one year.”
“The individuals who volunteer for the chamber of commerce range from members who service as the board of directors, to chamber ambassadors who assist fellow businesses, to members who give of their time to help during the chamber's many community events.”
“Event exp - education rec 9,653 0 0 event exp - annual dinner 6,279 0 0 name tags/plaques/awards 5,744 0 0 bank & credit card fees - 2,844 2,844 0 equipment rental - a 0 5,019 0 education/training/team b 0 2,600 0 telephone - a 824 825 0 dues & subscriptions - a 0 1,320 0 committee - scholarship 1,200 0 0 year one club expense 1,100 0 0 committee - military affa 982 0 0 event exp - edge series 520 0 0 committee - board 474 0 0 event exp - mayor's race 465 0 0 miscellaneous exp - a 0 420 0 committee - past presiden 400 0 0 repairs & maintenance - a 0 226 0 taxes: other 0 222 0 miscellaneous exp 153 0 0 recruiting expenses - a 135 0 0 leads group expenses 60 0 0 total 30,833 13,476 0”
This appendix keeps the raw XML leaves available for debugging and edge-case review. The human report above is the primary experience.
| Path | # | Value |
|---|---|---|
| IRS990/AccountantCompileOrReviewInd | 0 | false |
| IRS990/AccountsPayableAccrExpnssGrp/BOYAmt | 0 | 7000 |
| IRS990/AccountsPayableAccrExpnssGrp/EOYAmt | 0 | 8607 |
| IRS990/AccountsReceivableGrp/BOYAmt | 0 | 25642 |
| IRS990/AccountsReceivableGrp/EOYAmt | 0 | 27574 |
| IRS990/ActivitiesConductedPrtshpInd | 0 | false |
| IRS990/ActivityOrMissionDesc | 0 | ADVANCEMENT OF COMMUNITY WELFARE THROUGH PROGRAMS AND SERVICES THAT SERVE THE COMMUNITY AS A WHOLE AS WELL AS THE BUSINESSES THAT SERVICE THE RIVERVIEW COMMUNITY. |
| IRS990/AdvertisingGrp/ManagementAndGeneralAmt | 0 | 1188 |
| IRS990/AdvertisingGrp/ProgramServicesAmt | 0 | 2100 |
| IRS990/AdvertisingGrp/TotalAmt | 0 | 3288 |
| IRS990/AllOtherExpensesGrp/ManagementAndGeneralAmt | 0 | 13476 |
| IRS990/AllOtherExpensesGrp/ProgramServicesAmt | 0 | 30833 |
| IRS990/AllOtherExpensesGrp/TotalAmt | 0 | 44309 |
| IRS990/BooksInCareOfDetail/PersonNm | 0 | TANYA DORAN |
| IRS990/BooksInCareOfDetail/PhoneNum | 0 | 8132345944 |
| IRS990/BooksInCareOfDetail/USAddress/AddressLine1Txt | 0 | 10012 WATER WORKS LANE |
| IRS990/BooksInCareOfDetail/USAddress/CityNm | 0 | RIVERVIEW |
| IRS990/BooksInCareOfDetail/USAddress/StateAbbreviationCd | 0 | FL |
| IRS990/BooksInCareOfDetail/USAddress/ZIPCd | 0 | 33578 |
| IRS990/BusinessRlnWith35CtrlEntInd | 0 | false |
| IRS990/BusinessRlnWithFamMemInd | 0 | false |
| IRS990/BusinessRlnWithOrgMemInd | 0 | false |
| IRS990/CashNonInterestBearingGrp/BOYAmt | 0 | 19352 |
| IRS990/CashNonInterestBearingGrp/EOYAmt | 0 | 26657 |
| IRS990/ChangeToOrgDocumentsInd | 0 | false |
| IRS990/CollectionsOfArtInd | 0 | false |
| IRS990/CompensationFromOtherSrcsInd | 0 | false |
| IRS990/CompensationProcessCEOInd | 0 | true |
| IRS990/CompensationProcessOtherInd | 0 | false |
| IRS990/ConflictOfInterestPolicyInd | 0 | false |
| IRS990/ConservationEasementsInd | 0 | false |
| IRS990/ConsolidatedAuditFinclStmtInd | 0 | false |
| IRS990/CreditCounselingInd | 0 | false |
| IRS990/CYBenefitsPaidToMembersAmt | 0 | 0 |
| IRS990/CYContributionsGrantsAmt | 0 | 11000 |
| IRS990/CYGrantsAndSimilarPaidAmt | 0 | 0 |
| IRS990/CYInvestmentIncomeAmt | 0 | 2468 |
| IRS990/CYOtherExpensesAmt | 0 | 157756 |
| IRS990/CYOtherRevenueAmt | 0 | 2535 |
| IRS990/CYProgramServiceRevenueAmt | 0 | 362883 |
| IRS990/CYRevenuesLessExpensesAmt | 0 | 27537 |
| IRS990/CYSalariesCompEmpBnftPaidAmt | 0 | 193593 |
| IRS990/CYTotalExpensesAmt | 0 | 351349 |
| IRS990/CYTotalFundraisingExpenseAmt | 0 | 0 |
| IRS990/CYTotalProfFndrsngExpnsAmt | 0 | 0 |
| IRS990/CYTotalRevenueAmt | 0 | 378886 |
| IRS990/DAFExcessBusinessHoldingsInd | 0 | false |
| IRS990/DecisionsSubjectToApprovaInd | 0 | false |
| IRS990/DeductibleArtContributionInd | 0 | false |
| IRS990/DeductibleNonCashContriInd | 0 | false |
| IRS990/DeferredRevenueGrp/BOYAmt | 0 | 8850 |
| IRS990/DeferredRevenueGrp/EOYAmt | 0 | 19580 |
| IRS990/DelegationOfMgmtDutiesInd | 0 | false |
| IRS990/Desc | 0 | THE GREATER RIVERVIEW CHAMBER OF COMMERCE WAS ORGANIZED TO BE A LEADER OF PROGRAMS AND SERVICES THAT ADVANCE THE GENERAL WELFARE OF THE RIVERVIEW AREA AND PROMOTE THE ECONOMIC, CIVIC, COMMERCIAL, INDUSTRIAL, AND EDUCATIONAL INTEREST OF THE RIVERVIEW AREA. |
| IRS990/DescribedInSection501c3Ind | 0 | false |
| IRS990/DisregardedEntityInd | 0 | false |
| IRS990/DistributionToDonorInd | 0 | false |
| IRS990/DocumentRetentionPolicyInd | 0 | true |
| IRS990/DonorAdvisedFundInd | 0 | false |
| IRS990/DonorRstrOrQuasiEndowmentsInd | 0 | false |
| IRS990/ElectionOfBoardMembersInd | 0 | true |
| IRS990/EmployeeCnt | 0 | 7 |
| IRS990/EmploymentTaxReturnsFiledInd | 0 | true |
| IRS990/ExpenseAmt | 0 | 236993 |
| IRS990/FamilyOrBusinessRlnInd | 0 | false |
| IRS990/FeesForServicesAccountingGrp/ManagementAndGeneralAmt | 0 | 939 |
| IRS990/FeesForServicesAccountingGrp/TotalAmt | 0 | 939 |
| IRS990/ForeignActivitiesInd | 0 | false |
| IRS990/ForeignFinancialAccountInd | 0 | false |
| IRS990/ForeignOfficeInd | 0 | false |
| IRS990/Form1098CFiledInd | 0 | false |
| IRS990/Form8282PropertyDisposedOfInd | 0 | false |
| IRS990/Form8899Filedind | 0 | false |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 0 | 50.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 1 | 5.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 2 | 2.50 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 3 | 2.50 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 4 | 2.50 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 5 | 2.50 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 6 | 2.50 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 7 | 2.50 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 8 | 2.50 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 9 | 2.50 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 10 | 5.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 11 | 7.50 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 12 | 2.50 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 13 | 2.50 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 14 | 5.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 15 | 2.50 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 16 | 7.50 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 17 | 2.50 |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 0 | X |
| IRS990/Form990PartVIISectionAGrp/OfficerInd | 0 | X |
| IRS990/Form990PartVIISectionAGrp/OfficerInd | 1 | X |
| IRS990/Form990PartVIISectionAGrp/OfficerInd | 2 | X |
| IRS990/Form990PartVIISectionAGrp/OfficerInd | 3 | X |
| IRS990/Form990PartVIISectionAGrp/OfficerInd | 4 | X |
| IRS990/Form990PartVIISectionAGrp/OfficerInd | 5 | X |
| IRS990/Form990PartVIISectionAGrp/OfficerInd | 6 | X |
| IRS990/Form990PartVIISectionAGrp/OfficerInd | 7 | X |
| IRS990/Form990PartVIISectionAGrp/OfficerInd | 8 | X |
| IRS990/Form990PartVIISectionAGrp/OfficerInd | 9 | X |
| IRS990/Form990PartVIISectionAGrp/OfficerInd | 10 | X |
| IRS990/Form990PartVIISectionAGrp/OfficerInd | 11 | X |
| IRS990/Form990PartVIISectionAGrp/OfficerInd | 12 | X |
| IRS990/Form990PartVIISectionAGrp/OfficerInd | 13 | X |
| IRS990/Form990PartVIISectionAGrp/OfficerInd | 14 | X |
| IRS990/Form990PartVIISectionAGrp/OfficerInd | 15 | X |
| IRS990/Form990PartVIISectionAGrp/OfficerInd | 16 | X |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 0 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 1 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 2 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 3 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 4 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 5 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 6 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 7 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 8 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 9 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 10 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 11 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 12 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 13 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 14 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 15 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 16 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 17 | 0 |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 0 | TANYA DORAN |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 1 | BILL ANDREW |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 2 | JILL ANDREW |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 3 | CHRISTIAN BEITER |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 4 | DAN BENDER |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 5 | MICHAEL BROUSSARD |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 6 | NIKKI FOSTER |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 7 | FAITH HANAWAY |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 8 | ELIJAH HEATH |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 9 | JIM JOHNSON |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 10 | MICHAEL JONES |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 11 | MICHELLE MOSHER |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 12 | JANET NOAH |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 13 | RINKY PARWANI |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 14 | JAMES J PULKOWSKI |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 15 | MARIJEAN REITH |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 16 | JERRY ROTHSTEIN |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 17 | KENDRA WILSON |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 0 | 53988 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 1 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 2 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 3 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 4 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 5 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 6 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 7 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 8 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 9 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 10 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 11 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 12 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 13 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 14 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 15 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 16 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 17 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 0 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 1 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 2 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 3 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 4 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 5 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 6 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 7 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 8 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 9 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 10 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 11 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 12 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 13 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 14 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 15 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 16 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 17 | 0 |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 0 | EXECUTIVE DI |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 1 | HONORARY MAY |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 2 | DIRECTOR |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 3 | DIRECTOR |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 4 | DIRECTOR |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 5 | DIRECTOR |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 6 | DIRECTOR |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 7 | DIRECTOR |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 8 | PAST PRESIDE |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 9 | BOARD EMERIT |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 10 | PRESIDENT EL |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 11 | PRESIDENT |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 12 | DIRECTOR |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 13 | DIRECTOR |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 14 | TREASURER EL |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 15 | DIRECTOR |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 16 | TREASURER |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 17 | DIRECTOR |
| IRS990/Form990ProvidedToGvrnBodyInd | 0 | false |
| IRS990/FormationYr | 0 | 1966 |
| IRS990/FormerOfcrEmployeesListedInd | 0 | false |
| IRS990/FSAuditedInd | 0 | false |
| IRS990/FundraisingActivitiesInd | 0 | false |
| IRS990/GamingActivitiesInd | 0 | false |
| IRS990/GoverningBodyVotingMembersCnt | 0 | 17 |
| IRS990/GovernmentGrantsAmt | 0 | 11000 |
| IRS990/GrantsToIndividualsInd | 0 | false |
| IRS990/GrantsToOrganizationsInd | 0 | false |
| IRS990/GrantToRelatedPersonInd | 0 | false |
| IRS990/GrossReceiptsAmt | 0 | 378886 |
| IRS990/GroupReturnForAffiliatesInd | 0 | false |
| IRS990/IncludeFIN48FootnoteInd | 0 | false |
| IRS990/IndependentAuditFinclStmtInd | 0 | false |
| IRS990/IndependentVotingMemberCnt | 0 | 17 |
| IRS990/IndoorTanningServicesInd | 0 | false |
| IRS990/InfoInScheduleOPartIXInd | 0 | X |
| IRS990/InfoInScheduleOPartVIIInd | 0 | X |
| IRS990/InfoInScheduleOPartVIInd | 0 | X |
| IRS990/InformationTechnologyGrp/ProgramServicesAmt | 0 | 4003 |
| IRS990/InformationTechnologyGrp/TotalAmt | 0 | 4003 |
| IRS990/InsuranceGrp/ManagementAndGeneralAmt | 0 | 1285 |
| IRS990/InsuranceGrp/ProgramServicesAmt | 0 | 3005 |
| IRS990/InsuranceGrp/TotalAmt | 0 | 4290 |
| IRS990/InvestmentIncomeGrp/ExclusionAmt | 0 | 2468 |
| IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt | 0 | 2468 |
| IRS990/InvestmentInJointVentureInd | 0 | false |
| IRS990/IRPDocumentCnt | 0 | 0 |
| IRS990/IRPDocumentW2GCnt | 0 | 0 |
| IRS990/LandBldgEquipAccumDeprecAmt | 0 | 10322 |
| IRS990/LandBldgEquipCostOrOtherBssAmt | 0 | 10322 |
| IRS990/LegalDomicileStateCd | 0 | FL |
| IRS990/LoanOutstandingInd | 0 | false |
| IRS990/LocalChaptersInd | 0 | false |
| IRS990/MaterialDiversionOrMisuseInd | 0 | false |
| IRS990/MembersOrStockholdersInd | 0 | false |
| IRS990/MethodOfAccountingAccrualInd | 0 | X |
| IRS990/MinutesOfCommitteesInd | 0 | true |
| IRS990/MinutesOfGoverningBodyInd | 0 | true |
| IRS990/MissionDesc | 0 | ADVANCEMENT OF COMMUNITY WELFARE THROUGH PROGRAMS AND SERVICES THAT SERVE THE COMMUNITY AS A WHOLE AS WELL AS THE BUSINESSES THAT SERVICE THE RIVERVIEW COMMUNITY. |
| IRS990/MoreThan5000KToIndividualsInd | 0 | false |
| IRS990/MoreThan5000KToOrgInd | 0 | false |
| IRS990/NetAssetsOrFundBalancesBOYAmt | 0 | 157568 |
| IRS990/NetAssetsOrFundBalancesEOYAmt | 0 | 185105 |
| IRS990/NondeductibleContributionsInd | 0 | false |
| IRS990/OccupancyGrp/ManagementAndGeneralAmt | 0 | 17242 |
| IRS990/OccupancyGrp/TotalAmt | 0 | 17242 |
| IRS990/OfficeExpensesGrp/ManagementAndGeneralAmt | 0 | 7686 |
| IRS990/OfficeExpensesGrp/ProgramServicesAmt | 0 | 8549 |
| IRS990/OfficeExpensesGrp/TotalAmt | 0 | 16235 |
| IRS990/OfficerMailingAddressInd | 0 | false |
| IRS990/OperateHospitalInd | 0 | false |
| IRS990/Organization501cInd | 0 | X |
| IRS990/OrgDoesNotFollowFASB117Ind | 0 | X |
| IRS990/OtherAssetsTotalGrp/BOYAmt | 0 | 2658 |
| IRS990/OtherAssetsTotalGrp/EOYAmt | 0 | 2658 |
| IRS990/OtherEmployeeBenefitsGrp/ManagementAndGeneralAmt | 0 | 1293 |
| IRS990/OtherEmployeeBenefitsGrp/ProgramServicesAmt | 0 | 2642 |
| IRS990/OtherEmployeeBenefitsGrp/TotalAmt | 0 | 3935 |
| IRS990/OtherExpensesGrp/Desc | 0 | MEMBERSHIP LUNCHEON EXPEN |
| IRS990/OtherExpensesGrp/Desc | 1 | EVENT EXP - GOLF TOURNAME |
| IRS990/OtherExpensesGrp/Desc | 2 | MEDIAN MAINTENANCE EXPENS |
| IRS990/OtherExpensesGrp/Desc | 3 | EVENT EXP - TRICK OR TREA |
| IRS990/OtherExpensesGrp/ProgramServicesAmt | 0 | 30764 |
| IRS990/OtherExpensesGrp/ProgramServicesAmt | 1 | 15085 |
| IRS990/OtherExpensesGrp/ProgramServicesAmt | 2 | 11483 |
| IRS990/OtherExpensesGrp/ProgramServicesAmt | 3 | 10118 |
| IRS990/OtherExpensesGrp/TotalAmt | 0 | 30764 |
| IRS990/OtherExpensesGrp/TotalAmt | 1 | 15085 |
| IRS990/OtherExpensesGrp/TotalAmt | 2 | 11483 |
| IRS990/OtherExpensesGrp/TotalAmt | 3 | 10118 |
| IRS990/OtherLiabilitiesGrp/BOYAmt | 0 | 3710 |
| IRS990/OtherLiabilitiesGrp/EOYAmt | 0 | 5459 |
| IRS990/OtherRevenueMiscGrp/Desc | 0 | OTHER INCOME |
| IRS990/OtherRevenueMiscGrp/RelatedOrExemptFuncIncomeAmt | 0 | 2535 |
| IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt | 0 | 2535 |
| IRS990/OtherRevenueTotalAmt | 0 | 2535 |
| IRS990/OtherSalariesAndWagesGrp/ManagementAndGeneralAmt | 0 | 57466 |
| IRS990/OtherSalariesAndWagesGrp/ProgramServicesAmt | 0 | 118411 |
| IRS990/OtherSalariesAndWagesGrp/TotalAmt | 0 | 175877 |
| IRS990/PartialLiquidationInd | 0 | false |
| IRS990/PayPremiumsPrsnlBnftCntrctInd | 0 | false |
| IRS990/PayrollTaxesGrp/ManagementAndGeneralAmt | 0 | 13781 |
| IRS990/PayrollTaxesGrp/TotalAmt | 0 | 13781 |
| IRS990/PoliticalCampaignActyInd | 0 | false |
| IRS990/PrincipalOfficerNm | 0 | MICHELLE MOSHER |
| IRS990/ProfessionalFundraisingInd | 0 | false |
| IRS990/ProgramServiceRevenueGrp/Desc | 0 | MEMBERSHIP DUES |
| IRS990/ProgramServiceRevenueGrp/Desc | 1 | MEMBERSHIP LUNCHEON INCOME |
| IRS990/ProgramServiceRevenueGrp/Desc | 2 | EVENT INC - TRICK OR TREAT ST |
| IRS990/ProgramServiceRevenueGrp/Desc | 3 | EVENT INC - GOLF TOURNAMENT |
| IRS990/ProgramServiceRevenueGrp/Desc | 4 | MEDIAN MAINTENANCE INCOME |
| IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt | 0 | 223282 |
| IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt | 1 | 41526 |
| IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt | 2 | 25584 |
| IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt | 3 | 19340 |
| IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt | 4 | 13439 |
| IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt | 0 | 223282 |
| IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt | 1 | 41526 |
| IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt | 2 | 25584 |
| IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt | 3 | 19340 |
| IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt | 4 | 13439 |
| IRS990/ProhibitedTaxShelterTransInd | 0 | false |
| IRS990/PYContributionsGrantsAmt | 0 | 8150 |
| IRS990/PYInvestmentIncomeAmt | 0 | 1402 |
| IRS990/PYOtherExpensesAmt | 0 | 156283 |
| IRS990/PYOtherRevenueAmt | 0 | 109 |
| IRS990/PYProgramServiceRevenueAmt | 0 | 351752 |
| IRS990/PYRevenuesLessExpensesAmt | 0 | 37509 |
| IRS990/PYSalariesCompEmpBnftPaidAmt | 0 | 167621 |
| IRS990/PYTotalExpensesAmt | 0 | 323904 |
| IRS990/PYTotalRevenueAmt | 0 | 361413 |
| IRS990/QuidProQuoContributionsInd | 0 | false |
| IRS990/RcvFndsToPayPrsnlBnftCntrctInd | 0 | false |
| IRS990/ReconcilationRevenueExpnssAmt | 0 | 27537 |
| IRS990/RelatedEntityInd | 0 | false |
| IRS990/RelatedOrganizationCtrlEntInd | 0 | false |
| IRS990/ReportInvestmentsOtherSecInd | 0 | false |
| IRS990/ReportLandBuildingEquipmentInd | 0 | true |
| IRS990/ReportOtherAssetsInd | 0 | false |
| IRS990/ReportOtherLiabilitiesInd | 0 | true |
| IRS990/ReportProgramRelatedInvstInd | 0 | false |
| IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt | 0 | 157568 |
| IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt | 0 | 185105 |
| IRS990/SavingsAndTempCashInvstGrp/BOYAmt | 0 | 129476 |
| IRS990/SavingsAndTempCashInvstGrp/EOYAmt | 0 | 161862 |
| IRS990/ScheduleBRequiredInd | 0 | false |
| IRS990ScheduleD/EquipmentGrp/BookValueAmt | 0 | 2447 |
| IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt | 0 | 2447 |
| IRS990ScheduleD/OtherLandBuildingsGrp/BookValueAmt | 0 | 7875 |
| IRS990ScheduleD/OtherLandBuildingsGrp/OtherCostOrOtherBasisAmt | 0 | 7875 |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt | 0 | 3972 |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt | 1 | 1200 |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt | 2 | 287 |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc | 0 | PAYROLL TAXES PAYABLE |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc | 1 | SCHOLARSHIP FUND LIABILITY |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc | 2 | FUTA / SUTA LIABILITY |
| IRS990ScheduleD/TotalBookValueLandBuildingsAmt | 0 | 10322 |
| IRS990ScheduleD/TotalLiabilityAmt | 0 | 5459 |
| IRS990/ScheduleJRequiredInd | 0 | false |
| IRS990/ScheduleORequiredInd | 0 | true |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 0 | THE INDIVIDUALS WHO VOLUNTEER FOR THE CHAMBER OF COMMERCE RANGE FROM MEMBERS WHO SERVICE AS THE BOARD OF DIRECTORS, TO CHAMBER AMBASSADORS WHO ASSIST FELLOW BUSINESSES, TO MEMBERS WHO GIVE OF THEIR TIME TO HELP DURING THE CHAMBER'S MANY COMMUNITY EVENTS. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 1 | BOARD OF DIRECTORS ARE NOMINATED BY THE OVERALL CHAMBER MEMBERS. THEN A NOMINATING COMMITTEE OF 3 MEMBERS REVIEWS THE INFORMATION SUPPLIED BY THE CANDIDATES AND SCORES THE CANDIDATES. THE NOMINATING COMMITTEE THEN PRESENTS LIST OF THE FINAL CANDIDATES FOR BLOCK UP OR DOWN VOTE BY THE BOARD OF DIRECTORS. A MEMBER OF THE BOARD OF THE DIRECTORS SERVES FOR A THREE YEAR TERM. A BOARD MEMBER CAN BE RE-NOMINATED FOR A SECOND THREE YEAR TERM AND IF THEY ARE APPROVED BY THE NOMINATING COMMITTEE AND THE OVERALL BOARD OF DIRECTORS THEN THEY CAN SERVE A SECOND THREE YEAR TERM. A BOARD MEMBER MUST ROTATE OFF THE BOARD OF DIRECTORS FOR ONE YEAR AFTER THEY HAVE SERVED THEIR SECOND TERM. AFTER THAT ONE YEAR OFF THE BOARD THEN THEY CAN REAPPLY TO REJOIN THE BOARD OF DIRECTORS DURING THE BOARD'S NORMAL NOMINATING PROCESS. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 2 | THE FORM 990 IS SUBMITTED TO THE EXECUTIVE DIRECTOR FOR HER REVIEW, DISCUSSION, AND APPROVAL. THE FORM 990 IS THEN PRESENTED TO THE BOARD OF DIRECTORS AT THEIR NEXT SCHEDULED MONTHLY MEETING FOR THEIR COMMENT. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 3 | THE BOARD OF DIRECTOR'S APPOINTMENTS A SPECIAL COMMITTEE TO ANNUALLY REVIEW THE SALARY, OVERALL COMPENSATION PACKAGE, AND PERFORMANCE OF ITS EXECUTIVE DIRECTOR. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 4 | ALL GOVERNING DOCUMENTS ARE MAINTAINED AT THE CHAMBER'S OFFICE AND ARE OPEN FOR PUBLIC INSPECTION DURING NORMAL BUSINESS HOURS. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 5 | THE "MAYOR'S RACE" IS FOR AN HONORARY POSITION ON THE BOARD OF DIRECTORS. THE CHAMBER MEMBERS WHO DECIDE THAT THEY WOULD LIKE TO "RUN" FOR THIS HONORARY POSITION GET "VOTES" BY HAVING EVENTS IN WHICH THEY RAISE MONEY TO HELP BENEFIT A 501(C)(3) CHARITY OF THEIR CHOOSING. THE PERSON WHO RAISES THE MOST MONEY FOR THEIR CHARITY BECOMES THE "HONORARY MAYOR OF RIVERVIEW" FOR ONE YEAR. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 6 | EVENT EXP - EDUCATION REC 9,653 0 0 EVENT EXP - ANNUAL DINNER 6,279 0 0 NAME TAGS/PLAQUES/AWARDS 5,744 0 0 BANK & CREDIT CARD FEES - 2,844 2,844 0 EQUIPMENT RENTAL - A 0 5,019 0 EDUCATION/TRAINING/TEAM B 0 2,600 0 TELEPHONE - A 824 825 0 DUES & SUBSCRIPTIONS - A 0 1,320 0 COMMITTEE - SCHOLARSHIP 1,200 0 0 YEAR ONE CLUB EXPENSE 1,100 0 0 COMMITTEE - MILITARY AFFA 982 0 0 EVENT EXP - EDGE SERIES 520 0 0 COMMITTEE - BOARD 474 0 0 EVENT EXP - MAYOR'S RACE 465 0 0 MISCELLANEOUS EXP - A 0 420 0 COMMITTEE - PAST PRESIDEN 400 0 0 REPAIRS & MAINTENANCE - A 0 226 0 TAXES: OTHER 0 222 0 MISCELLANEOUS EXP 153 0 0 RECRUITING EXPENSES - A 135 0 0 LEADS GROUP EXPENSES 60 0 0 TOTAL 30,833 13,476 0 |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 0 | FORM 990, PAGE 1, PART I, LINE 6 |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 1 | FORM 990, PAGE 6, PART VI, LINE 7A |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 2 | FORM 990, PAGE 6, PART VI, LINE 11B |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 3 | FORM 990, PAGE 6, PART VI, LINE 15A |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 4 | FORM 990, PAGE 6, PART VI, LINE 19 |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 5 | FORM 990, PART VII |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 6 | FORM 990, PART IX, LINE 24E |
| IRS990/SchoolOperatingInd | 0 | false |
| IRS990/SignificantChangeInd | 0 | false |
| IRS990/SignificantNewProgramSrvcInd | 0 | false |
| IRS990/SubjectToExcsTaxNetInvstIncInd | 0 | false |
| IRS990/SubjectToProxyTaxInd | 0 | false |
| IRS990/SubjToTaxRmnrtnExPrchtPymtInd | 0 | false |
| IRS990/TaxableDistributionsInd | 0 | false |
| IRS990/TaxablePartyNotificationInd | 0 | false |
| IRS990/TaxExemptBondsInd | 0 | false |
| IRS990/TerminateOperationsInd | 0 | false |
| IRS990/TotalAssetsBOYAmt | 0 | 177128 |
| IRS990/TotalAssetsEOYAmt | 0 | 218751 |
| IRS990/TotalAssetsGrp/BOYAmt | 0 | 177128 |
| IRS990/TotalAssetsGrp/EOYAmt | 0 | 218751 |
| IRS990/TotalCompGreaterThan150KInd | 0 | false |
| IRS990/TotalContributionsAmt | 0 | 11000 |
| IRS990/TotalEmployeeCnt | 0 | 7 |
| IRS990/TotalFunctionalExpensesGrp/FundraisingAmt | 0 | 0 |
| IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt | 0 | 114356 |
| IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt | 0 | 236993 |
| IRS990/TotalFunctionalExpensesGrp/TotalAmt | 0 | 351349 |
| IRS990/TotalGrossUBIAmt | 0 | 0 |
| IRS990/TotalLiabilitiesBOYAmt | 0 | 19560 |
| IRS990/TotalLiabilitiesEOYAmt | 0 | 33646 |
| IRS990/TotalLiabilitiesGrp/BOYAmt | 0 | 19560 |
| IRS990/TotalLiabilitiesGrp/EOYAmt | 0 | 33646 |
| IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt | 0 | 157568 |
| IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt | 0 | 185105 |
| IRS990/TotalOthProgramServiceRevGrp/RelatedOrExemptFuncIncomeAmt | 0 | 39712 |
| IRS990/TotalOthProgramServiceRevGrp/TotalRevenueColumnAmt | 0 | 39712 |
| IRS990/TotalProgramServiceExpensesAmt | 0 | 236993 |
| IRS990/TotalProgramServiceRevenueAmt | 0 | 362883 |
| IRS990/TotalReportableCompFromOrgAmt | 0 | 53988 |
| IRS990/TotalRevenueGrp/ExclusionAmt | 0 | 2468 |
| IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt | 0 | 365418 |
| IRS990/TotalRevenueGrp/TotalRevenueColumnAmt | 0 | 378886 |
| IRS990/TotalVolunteersCnt | 0 | 198 |
| IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt | 0 | 177128 |
| IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt | 0 | 218751 |
| IRS990/TypeOfOrganizationCorpInd | 0 | X |
| IRS990/UnrelatedBusIncmOverLimitInd | 0 | false |
| IRS990/UponRequestInd | 0 | X |
| IRS990/USAddress/AddressLine1Txt | 0 | 1219 MILLENNIUM PARKWAY SUITE 106 |
| IRS990/USAddress/CityNm | 0 | BRANDON |
| IRS990/USAddress/StateAbbreviationCd | 0 | FL |
No mirrored PDF or thumbnail assets are attached yet.
Displayed year
2019 • Form 990Detailed filing. Detailed filing data is available for this year.
Similar nonprofits based on the same Siviq industry and scale cohort. 2019 filings • 501(c)6 • <$500k nonprofits
Crystal Lake, IL
View Organization501(c)6
Revenue vs current organization
About the sameAssets vs current organization
59% lowerVirginia Beach, VA
View Organization501(c)6
Revenue vs current organization
9.8% lowerAssets vs current organization
31% lowerLincolnwood, IL
View Organization501(c)6
Revenue vs current organization
About the sameAssets vs current organization
8.6% lowerKeizer, OR
View Organization501(c)6
Revenue vs current organization
19% lowerAssets vs current organization
45% lower