Center for Living & Working Inc
Nonprofit profile at a glance
- EIN
- 042564426
- IRS 990 coverage
- 2010–2024
- Forms available
- Form 990 2024
- Location
- Worcester, MA, USA
- Phone
- 5087980350
- Rating
- 82
- Verdict
- STRONG
- Rating confidence
- Moderate
- Sector
- Developmentally Disabled Centers
Reported finances
- Revenue
- $5,283,418
- Expenses
- $5,008,647
- Assets
- $4,668,552
- Liabilities
- $1,876,638
Source: IRS Form 990. Selected filing: tax year 2024. Amounts in USD.
Leadership & pay
16 people listed
Executive titles in this filing
- NANCY GARR-COLZIE (PRESIDENT)
- MARGARET COFFIN (CEO)
Highest reported compensation
- REBECCA COFFIN (ASSOCIATE ED - FIN & ADM): $176,864 total reported compensation
- MARGARET COFFIN (CEO): $169,840 total reported compensation
- NICOLE BRODIE (ASSOCIATE ED - PROG & SERV): $115,512 total reported compensation
Source: IRS Form 990. Selected filing: tax year 2024. Names and roles reflect this filing, not necessarily current officeholders.
Overview
Mission
We work to ensure that individuals with disabilities can live independently as equal members of society.
What it reported doing in 2024
Transitions to adulthood program ("tap"): clw's tap provides independent living services to individuals with disabilities, aged 14 through 21, in preparation for their transition from an educational setting to living independently in the community. Tap skills trainers provides guidance to individuals and their support system (family, school representatives, massability counselors, etc.) with the individual education plan ("iep") and individual transition plan ("itp") process. To align with the goals of the work, innovation, and opportunity act ("wioa") and the federal funding component of the tap contract, innovative services strengthen the successful outcomes of transition age youth. One care long-term supports and services ("ltss"): through the one care program, clw provides long-term services and supports coordination to individuals who are enrolled in both masshealth and medicare and have opted to participate in a self-directed health care model through tufts, commonwealth care alliance or united healthcare. Acquired brain injury and moving forward plan - transitional assistance services: clw assists individuals of all ages, living in an institutional setting (nursing facility, hospital, or intermediate care facilities) return to living independently in their community with the necessary added supports. Clw's transition coordinators assists individuals with the transition to home process. This may include: securing housing, purchasing clothes, furniture and bedding, setting up transportation, etc. Aging and disability resource consortium ("adrc"): clw is a member of a statewide initiative dedicated to providing individuals with information, services, supports and choices to make informed decisions as to where they want to live and receive services. Options counselors take the time to assist the individual in understanding the array of long-term care services and resource options through telephonic or face to face interactions in the community, at clw, or facility setting. Specialized americans with disability act ("ada") consulting services: clw provides assessments and recommendations to ensure compliance with ada laws. Clw's ada access and advocacy coordinator assists individuals and private and non-profit organizations understand ada access requirements and provides recommendations to help bring area businesses, schools, cities and towns, recreational facilities, housing authorities, human service providers and others into compliance. Pre-employment training ("pre-ets"): clw's pre-ets program provides students with disabilities, aged 14 to 21, with pre-employment transition services that assist the student gain the skills sets and awareness to be prepared for the world of work. Pre-ets services are available to all students with disabilities in assigned schools. The five pre-ets target areas are: job exploration counseling, work-based learning experiences, counseling post-secondary education, workplace readiness training, and self-advocacy.specialized technical equipment program ("step"): clw assists those with disabilities to live independently in their daily lives with our specialized technical equipment program. People with disabilities often have special needs that require specialized technical equipment, whether due to mobility impairment, hearing, speech or visions difficulties, or cognitive challenges. Clw's step assists people in obtaining this specialized equipment at a fraction of the average costs and it supports and strengthens one's independence. As part of the process, clw helps determine which device is most effective for each individual. Equipment sales are reported net of the direct costs on the consolidated statements of activities.
Operating model
- Revenue model
- Mixed. Its operating money came from several sources; no one source provided a clear majority.
- Distribution model
- Direct operator. The filing allocates 99% of reported program-service expenses outside its grant, affiliate-payment, and member-benefit lines. This expense classification does not rule out separately announced grant awards.
The verdict
STRONG - A large share of available resources goes toward mission work and the filed numbers largely add up. Expenses are high relative to revenue and total assets are small relative to annual expenses; liquid coverage is unknown.
Rating breakdown
- Financial Efficiency: 82
- Transparency & Controls: 75
- Accountability: 100
- Sustainability: 41
- Growth: 100
Detailed rating inputs
Financial Efficiency
- Mission deployment rate: 79.2%; rating input score 79
- Program expense ratio: 83.1%; rating input score 83
- Fundraising efficiency: $425.81 raised per $1 spent on fundraising; rating input score 95; 95th percentile among comparable filings
Transparency & Controls
- Consistency checks: 100%; rating input score 100; 63rd percentile among comparable filings
- Pay-setting controls: 1 of 6 controls in place; rating input score 17
- Compensation committee: Missing
- Independent consultant: Missing
- Other Form 990s reviewed: Missing
- Written employment contract: Missing
- Compensation survey or study: Missing
- Board or committee approval: Pass
- Foreign activity oversight: Limited
- Grant itemization coverage: 100%; rating input score 100; 72nd percentile among comparable filings
- Major donor itemization: Yes; rating input score 100
- Related-party transparency: Limited
Accountability
- Independent voting board: 100%; rating input score 100; 63rd percentile among comparable filings
- Governance controls: 9 of 9 controls in place; rating input score 100
- Conflict-of-interest policy: Pass
- Whistleblower policy: Pass
- Document-retention policy: Pass
- CEO compensation review process: Pass
- Other executive compensation review process: Pass
- Form 990 shared with the board: Pass
- Board meeting minutes documented: Pass
- Audit committee oversight: Pass
- Independent financial-statement audit: Pass
Sustainability
- Operating margin: 5.2%; rating input score 51; 51st percentile among comparable filings
- Total-asset coverage ratio: 0.93; rating input score 35; 35th percentile among comparable filings
- Liabilities to assets ratio: 0.4; rating input score 27; 27th percentile among comparable filings
- Officer compensation ratio: 9.2%; rating input score 32; 32nd percentile among comparable filings
Growth
- Program expense growth: 6.8% per year; rating input score 100; 49th percentile among comparable filings
- Revenue growth: 6.4% per year; rating input score 100; 51st percentile among comparable filings
- Asset growth: 11% per year; rating input score 100; 62nd percentile among comparable filings
Details
- Where the money goes: 79.2% of revenue deployed · 83.1% of spending went to programs
- Governance: 12 of 12 board members independent · 9 of 9 filing controls reported
- Programs: 4 filed program accomplishments · $4.2M in reported program spending
- Leadership: top reported pay $177K · 16 people listed · 1 of 6 pay-setting controls reported
- Consistency: 35 of 35 current checks pass
- Schedules: 7 filed schedules · includes major donors, grants, and executive pay
- Filing history: 14 filing years from 2010 to 2024
- Contacts: How to reach this organization
- Money network: 3 filed money-flow records
- Grant readiness: Federal tax and exclusion status, award history, and grant-maker relationships.
- People: Everyone the filings name, and which of them the filings identify by more than a name.
- Staff and benefit plans: Retirement and health plans the organization files with the Department of Labor, and the people in them.
Key Signals
Signals prioritize questions for review. They are not findings of misconduct.
- Review — Sustainability: Operating margin scored 51/100.
- Moderate — Sustainability: Total-asset coverage ratio scored 35/100.
- High — Sustainability: Liabilities to assets ratio scored 27/100.
- Moderate — Sustainability: Officer compensation ratio scored 32/100.