Civic Intelligence

Consumer Education Foundation

990 • Fiscal year 2016 • EIN 95-4720268

Jan 01, 2016 to Dec 31, 2016 • Filed on Nov 13, 2017

Organization Profilewheresourmoney.org
4182 Beck AveStudio City, CA 91604

(818) 980-0340

Siviq Scores

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

Liabilities / Assets

23rd percentile

0.00x

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

2016 filings • 501(c)4 • $1M-$5M nonprofits • Source year 2016

Liabilities / Revenue

23rd percentile

0.00x

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

2016 filings • 501(c)4 • $1M-$5M nonprofits • Source year 2016

Net Margin

1st percentile

-1248%

Higher net margin than 1% of similar nonprofits.

2016 filings • 501(c)4 • $1M-$5M nonprofits • Source year 2016

Top Officer Pay

84th percentile

$108,264

Higher top officer pay than 84% of similar nonprofits.

Top officer pay equals 322.9% of source-year revenue.

2016 filings • 501(c)4 • $1M-$5M nonprofits • Source year 2016

Asset Growth

6th percentile

-21%

Faster asset growth than 6% of similar nonprofits.

2016 filings • 501(c)4 • $1M-$5M nonprofits • Annualized from 2015 to 2016

Revenue Growth

1st percentile

-85%

Faster revenue growth than 1% of similar nonprofits.

2016 filings • 501(c)4 • $1M-$5M nonprofits • Annualized from 2015 to 2016

Balance Sheet
Liabilities / Assets23rd percentile

Assets

Down

$1,600,135

Down $418,468 (-21%) from 2015

Net Assets

Down

$1,600,135

Down $418,468 (-21%) from 2015

Liabilities

Flat

$0

Flat from 2015

Revenue And Expenses
Liabilities / Revenue23rd percentileNet Margin1st percentile

Revenue

Down

$33,533

Down $195,668 (-85%) from 2015

Expenses

Up

$452,001

Up $97,589 (+28%) from 2015

Net Income

Down

-$418,468

Down $293,257 (-234%) from 2015

Historical Trend

Balance Sheet Trend

Asset Growth6th percentile

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

$3.0M$2.0M$1.0M$0Assets 2011: $2,622,544Liabilities 2011: $0Net Assets 2011: $2,622,5442011Assets 2012: $2,328,108Liabilities 2012: $0Net Assets 2012: $2,328,1082012Assets 2013: $2,209,620Liabilities 2013: $0Net Assets 2013: $2,209,6202013Assets 2014: $2,143,814Liabilities 2014: $0Net Assets 2014: $2,143,8142014Assets 2015: $2,018,603Liabilities 2015: $0Net Assets 2015: $2,018,6032015Assets 2016: $1,600,135Liabilities 2016: $0Net Assets 2016: $1,600,1352016Assets 2017: $1,449,288Liabilities 2017: $0Net Assets 2017: $1,449,2882017Assets 2018: $1,048,247Liabilities 2018: $0Net Assets 2018: $1,048,2472018Assets 2019: $626,983Liabilities 2019: $0Net Assets 2019: $626,9832019Assets 2020: $272,217Liabilities 2020: $0Net Assets 2020: $272,2172020Assets 2021: $40,337Liabilities 2021: $0Net Assets 2021: $40,3372021Assets 2022: $13,086Liabilities 2022: $0Net Assets 2022: $13,0862022

Highlighted filing

2016

Assets$1,600,135
Liabilities$0
Net Assets$1,600,135
Open 2016 Filing

Operations Trend

Revenue Growth1st percentile

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

$500K$0-$500KRevenue 2011: $158,304Expenses 2011: $337,422Net Income 2011: -$179,1182011Revenue 2012: $167,245Expenses 2012: $461,681Net Income 2012: -$294,4362012Revenue 2013: $224,693Expenses 2013: $343,181Net Income 2013: -$118,4882013Revenue 2014: $190,366Expenses 2014: $256,172Net Income 2014: -$65,8062014Revenue 2015: $229,201Expenses 2015: $354,412Net Income 2015: -$125,2112015Revenue 2016: $33,533Expenses 2016: $452,001Net Income 2016: -$418,4682016Revenue 2017: $104,039Expenses 2017: $254,886Net Income 2017: -$150,8472017Revenue 2018: $53,053Expenses 2018: $454,094Net Income 2018: -$401,0412018Revenue 2019: $28,861Expenses 2019: $450,125Net Income 2019: -$421,2642019Revenue 2020: -$39,735Expenses 2020: $315,031Net Income 2020: -$354,7662020Revenue 2021: $3,369Expenses 2021: $235,249Net Income 2021: -$231,8802021Revenue 2022: $14,988Expenses 2022: $42,239Net Income 2022: -$27,2512022

Highlighted filing

2016

Revenue$33,533
Expenses$452,001
Net Income-$418,468
Open 2016 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2016 to Dec 31, 2016
Signed
Nov 13, 2017
Return Version
2016v3.0
Gross Receipts
$1,322,138
Mission and Program Overview

Mission

To engage in social welfare activities within the meaning of Section 501(c)(4) of the Internal Revenue Code of 1986, as amended, or the corresponding provisions of any future United States internal revenue law (the Code), and within the meaning of Section 23701f of the California Revenue and Taxation Code, that promote the interests of consumers on the following issues: insurance, property loss mitigation, property loss prevention, conversion of mutual insurance companies to stock companies, and consumer education, generally.

See Part III Line 1.

Balance Sheet Detail
LineBeginningEndChange
Assets
Rtn Earn Endowment Incm Other Fnds$2,018,603$1,600,135▼ $418,468
Investments in Publicly Traded Securities$1,663,233$1,501,499▼ $161,734
Savings and Temporary Cash Investments$351,914$96,271▼ $255,643
Land, Buildings, and Equipment, Net$3,456$2,365▼ $1,091
Cash and Non-Interest-Bearing Accounts-$0-
Accounts Receivable-$0-
Other Notes and Loans Receivable, Net-$0-
Pledges and Grants Receivable-$0-
Receivable From Disqualified Prsn-$0-
Receivables From Officers Etc-$0-
Investments Other Securities-$0-
Investments Program Related-$0-
Intangible Assets-$0-
Inventories for Sale or Use-$0-
Prepaid Expenses and Deferred Charges-$0-
Total Assets$2,018,603$1,600,135▼ $418,468
Other Assets Total-$0-
Liabilities
Total Liabilities$0$0→ $0
Net Assets / Fund Balance
Total Net Assets Fund Balance$2,018,603$1,600,135▼ $418,468
Total Liabilities and Net Assets / Fund Balance$2,018,603$1,600,135▼ $418,468

Asset Categories

AssetBook ValueDepreciationBasis
Equipment$2,365$10,140$12,505
Compensation and Service Providers
Top Officer Pay84th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Harvey RosenfieldPresidentPT$100,000$8,264$108,264

Board Members and Trustees

NameTitle
Ann E CarlsonDirector
Jay AngoffDirector
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$0
Investment Income
$33,533
Other Revenue
$0
Change in Net Assets
$-418,468
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Grants and Similar Amounts Paid$300,000
Salaries, Compensation, and Employee Benefits$116,152
Other Expenses$35,849
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Grants to Domestic Orgs$300,000--$300,000
Current Officers, Directors, Trustees, and Key Employees$102,851$5,413-$108,264
Payroll Taxes$7,494$394-$7,888
Insurance$6,628$349-$6,977
Fees for Services Accounting-$5,227-$5,227
Depreciation Depletion$1,036$55-$1,091
Other Expenses$76$4-$80
All Other Expenses$24$1-$25
Total Functional Expenses$426,171$25,830$0$452,001
International Activity

Grant and Assistance Recipients

RecipientLocationCategoryPurposeAmount
Consumer WatchdogSanta Monica, CA501(c)(3)See Form 990 Part Iii Line 1$300,000
Fundraising, Events, and Gaming
Fundraising activities
No
Gaming activities
No
Professional fundraiser used
No

Fundraising and Gaming Totals

Line ItemAmount
Professional Fundraising Fees$0
Political and Lobbying Activity
Political campaign activity
No
Lobbying activity
No
Subject to proxy tax
No
Insider Transactions and Loans

Loans and Receivables

Line ItemBeginningEndChange
Receivables from Disqualified Persons-$0-
Receivables from Officers, Directors, Trustees, and Key Employees-$0-
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
Yes
Backup withholding compliance
Yes
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
Yes
Conflict-of-interest policy
Yes
Audited financial statements prepared
No
Key decisions subject to board approval
No
Management duties delegated
No

Governance Explanations

Form 990, Part VI, Line 8: Explanation of No Contemporaneously Documentation of Meetings

“Line 8b: no committees are organized under the board of directors, which is the governing body of the foundation.”

Form 990, Part VI, Line 11B: Form 990 Review Process

“The return was reviewed by the organization's president and by the secretary-treasurer. It was then submitted to the board of directors for their review prior to filing.”

Form 990, Part VI, Line 12C: Explanation of Monitoring and Enforcement of Conflicts

“Pursuant to the policy adopted by the organization, disclosure statements are filed annually by all directors, officers and employees who may have an interest in any potential transaction with the organization. The president reviews the statements of employees. The board reviews statements of employees and their own.”

Form 990, Part VI, Line 15B: Compensation Review and Approval Process for Officers and Key Employees

“An independent majority of the board of directors reviews comparability data and approves the compensation with contemporaneous written documentation of the deliberation and decision.”

Form 990, Part VI, Line 19: Other Organization Documents Publicly Available

“The organization's governing documents, conflict of interest policy and tax returns are available to the public upon request.”

Filing and Contact Details

Filer

Filer Name
Consumer Education Foundation
EIN
95-4720268
Phone
8189800340
Address
4182 BECK AVE, STUDIO CITY, CA 91604

Signing Officer

Name
Harvey Rosenfield
Title
President
Signed
2017-11-13
Discuss with paid preparer
Yes

Organization Details

Formed
1998
Legal Domicile
CA
Voting Board Members
3
Independent Board Members
2
Employees
1

Preparer

Firm
Jenkins Bowler Llp
Address
626 S LAKE AVE, PASADENA, CA 91106-3918
Preparer
Patrick J Bowler
Phone
6267922179
Raw XML Appendix348 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.

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IRS990/Desc0Online Empowerment: Grant to Consumer Watchdog.The CEF provides ongoing support for the work of Consumer Watchdog, a California-based non-profit charitable organization, to develop new models of public participation that encourage Americans to become more directly and deeply involved in public processes and democratic institutions. The organization has continuously developed and expanded a model online citizen participation program that during 2016 engaged in recruitment, training, legislative advocacy, grassroots campaigning, and public education. Consumer Watchdog reported the following activities funded by the CEF grant:A. Educating and activating civic participation online. Consumer Watchdog has developed its ConsumerWatchdog.org web portal into a nationally-recognized site for online educational and e-advocacy activities related to pocketbook consumer issues. The Consumer Watchdog web site and its associated content is viewed by users throughout the United States who read reports, blog posts, news releases and other informational articles; submitted complaints about a variety of issues and corporate practices; and utilized the sites online action tools to voice their opinion about key consumer issues. Through its online activities, the project educates the public about corporate and political accountability efforts and provides tools for citizens to get involved in important public debates concerning corporate and political reform issues. The CEF grant has enabled the organization to expand and improve its accessibility to the public, news media and policymakers, and to assist the organization in pioneering new models of online activity. In 2016, Consumer Watchdog expanded its reach into online social media including Instagram, Twitter, Facebook, Instagram and YouTube in order to expose a broader audience to Consumer Watchdogs work. It also began to build a modernized, faster, and mobile-friendly website, Consumer Watchdog 3.0, for deployment in 2017, which will include a streaming Consumer Watchdog TV channel.Consumer Watchdog also expanded the scope and audience of its CapitalWatchdog.org web site, which reviews and analyzes the functions and activities of California state government. Capitol Watchdog e-newsletters, blogs and special reports provide in-depth coverage of public policy issues.Also in 2016, Consumer Watchdog initiated a new online advocacy platform geared toward engaging citizens through their mobile devices. The program seeks to give citizens the opportunity to efficiently weigh in with their elected representatives on topics ranging from airline passenger rights, to a moratorium on building fossil-fuel powered energy plants, to protecting health insurance reforms. B. Enhancing Digital Privacy. Consumer Watchdog focused on using its online tools to discuss the burgeoning issue area of online privacy and the increasing commercial use of personal data. During 2016, Consumer Watchdogs privacy protection efforts included petitions to state and federal agencies to strengthen privacy protections online and in new commercial applications such as autonomous vehicles.C. Autonomous Vehicles. Consumer Watchdog has been a leading critic of the testing and deployment of driverless vehicles without proper regulation of the vehicles safety, security and privacy protections. During 2016, Consumer Watchdog published information and analyses on these issues, challenging instances of illegal testing of the vehicles on public streets and reviewing and submitting comments on draft regulations proposed by the California Department of Motor Vehicles.Grantee: Consumer WatchdogAmount: $300,000 Address: 2701 Ocean Park Blvd. #112, Santa Monica, CA 90405Contact: Carmen Balber, Executive Director
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IRS990/ProgSrvcAccomActy2Grp/Desc0Consumer Legislation Project In 2016, CEF continued to investigate the problems consumers face in the modern commercial marketplace. A forthcoming report will examine the current state of consumer protection law in the United States and propose reforms to reflect the vast changes in the marketplace that have occurred in the decades since consumer protection laws were last comprehensively updated. These changes include the advent of the Internet, the prevalence of sophisticated technology in consumer products and services, and the dramatic shift to electronic and mobile commerce. The report will assess the extent to which state and federal laws and remedies, particularly as interpreted and applied by the courts, have failed to keep up with these developments. In addition to suggesting a series of substantive consumer protection reforms, the report will analyze the current procedural mechanisms by which consumer rights may be vindicated, such as class actions, and propose changes to enhance the practical rights of consumers to jointly litigate against corporate wrongdoers, and to restore public confidence in the class action system.
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IRS990/RoyaltiesGrp/TotalAmt00
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IRS990ScheduleD/EquipmentGrp/BookValueAmt02365
IRS990ScheduleD/EquipmentGrp/DepreciationAmt010140
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt012505
IRS990ScheduleD/TotalBookValueLandBuildingsAmt02365
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IRS990ScheduleI/RecipientTable/CashGrantAmt0300000
IRS990ScheduleI/RecipientTable/IRCSectionDesc0501(C)(3)
IRS990ScheduleI/RecipientTable/NonCashAssistanceAmt00
IRS990ScheduleI/RecipientTable/PurposeOfGrantTxt0SEE FORM 990 PART III LINE 1
IRS990ScheduleI/RecipientTable/RecipientBusinessName/BusinessNameLine1Txt0CONSUMER WATCHDOG
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IRS990ScheduleI/TotalOtherOrgCnt00
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IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0LINE 8B: NO COMMITTEES ARE ORGANIZED UNDER THE BOARD OF DIRECTORS, WHICH IS THE GOVERNING BODY OF THE FOUNDATION.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1THE RETURN WAS REVIEWED BY THE ORGANIZATION'S PRESIDENT AND BY THE SECRETARY-TREASURER. IT WAS THEN SUBMITTED TO THE BOARD OF DIRECTORS FOR THEIR REVIEW PRIOR TO FILING.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2PURSUANT TO THE POLICY ADOPTED BY THE ORGANIZATION, DISCLOSURE STATEMENTS ARE FILED ANNUALLY BY ALL DIRECTORS, OFFICERS AND EMPLOYEES WHO MAY HAVE AN INTEREST IN ANY POTENTIAL TRANSACTION WITH THE ORGANIZATION. THE PRESIDENT REVIEWS THE STATEMENTS OF EMPLOYEES. THE BOARD REVIEWS STATEMENTS OF EMPLOYEES AND THEIR OWN.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3AN INDEPENDENT MAJORITY OF THE BOARD OF DIRECTORS REVIEWS COMPARABILITY DATA AND APPROVES THE COMPENSATION WITH CONTEMPORANEOUS WRITTEN DOCUMENTATION OF THE DELIBERATION AND DECISION.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4THE ORGANIZATION'S GOVERNING DOCUMENTS, CONFLICT OF INTEREST POLICY AND TAX RETURNS ARE AVAILABLE TO THE PUBLIC UPON REQUEST.
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0Form 990, Part VI, Line 8: Explanation of No Contemporaneously Documentation of Meetings
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1Form 990, Part VI, Line 11b: Form 990 Review Process
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2Form 990, Part VI, Line 12c: Explanation of Monitoring and Enforcement of Conflicts
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3Form 990, Part VI, Line 15b: Compensation Review and Approval Process for Officers and Key Employees
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4Form 990, Part VI, Line 19: Other Organization Documents Publicly Available
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IRS990/TaxablePartyNotificationInd0false
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IRS990/WebsiteAddressTxt0wheresourmoney.org
IRS990/WhistleblowerPolicyInd0true
ReturnHeader/BuildTS02018-03-14 21:41:22Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd0true
ReturnHeader/BusinessOfficerGrp/PersonNm0HARVEY ROSENFIELD
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0President
ReturnHeader/BusinessOfficerGrp/SignatureDt02017-11-13
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0CONSUMER EDUCATION FOUNDATION
ReturnHeader/Filer/BusinessNameControlTxt0CONS
ReturnHeader/Filer/EIN0954720268
ReturnHeader/Filer/PhoneNum08189800340
ReturnHeader/Filer/USAddress/AddressLine1Txt04182 BECK AVE
ReturnHeader/Filer/USAddress/CityNm0STUDIO CITY
ReturnHeader/Filer/USAddress/StateAbbreviationCd0CA
ReturnHeader/Filer/USAddress/ZIPCd091604
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt0JENKINS BOWLER LLP
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt0626 S LAKE AVE
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm0PASADENA
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd0CA
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCd0911063918
ReturnHeader/PreparerPersonGrp/PhoneNum06267922179
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0PATRICK J BOWLER
ReturnHeader/ReturnTs02017-11-13T09:30:02-08:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02016-01-01
ReturnHeader/TaxPeriodEndDt02016-12-31
ReturnHeader/TaxYr02016

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

Displayed year

2016 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$1,600,135
Liabilities
$0
Net assets
$1,600,135
Revenue
$33,533
Expenses
$452,001
Net income
-$418,468
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2022Detailed filing. Detailed filing data is available for this year.$0.01$0.00$0.01$0.01$0.04$0.03
2021Detailed filing. Detailed filing data is available for this year.$0.04$0.00$0.04$0.00$0.24$0.23
2020Detailed filing. Detailed filing data is available for this year.$0.27$0.00$0.27$0.04$0.32$0.35
2019Detailed filing. Detailed filing data is available for this year.$0.63$0.00$0.63$0.03$0.45$0.42
2018Detailed filing. Detailed filing data is available for this year.$1.05$0.00$1.05$0.05$0.45$0.40
2017Detailed filing. Detailed filing data is available for this year.$1.45$0.00$1.45$0.10$0.25$0.15
2016Detailed filing. Detailed filing data is available for this year.$1.60$0.00$1.60$0.03$0.45$0.42
2015Detailed filing. Detailed filing data is available for this year.$2.02$0.00$2.02$0.23$0.35$0.13
2014Detailed filing. Detailed filing data is available for this year.$2.14$0.00$2.14$0.19$0.26$0.07
2013Summary only. Only limited summary data is available for this year.$2.21$0.00$2.21$0.22$0.34$0.12
2012Summary only. Only limited summary data is available for this year.$2.33$0.00$2.33$0.17$0.46$0.29
2011Summary only. Only limited summary data is available for this year.$2.62$0.00$2.62$0.16$0.34$0.18