Junior Achievement of Central Florida Inc
Nonprofit profile at a glance
- EIN
- 590972112
- IRS 990 coverage
- 2019–2024
- Forms available
- Form 990 2024
- Location
- Orlando, FL, USA
- Phone
- 4078982121
- Rating
- 74
- Verdict
- SUPPORTED
- Rating confidence
- Standard
- Sector
- International Economic Development
Reported finances
- Revenue
- $5,258,716
- Expenses
- $3,267,211
- Assets
- $3,895,796
- Liabilities
- $86,110
Source: IRS Form 990. Selected filing: tax year 2024. Amounts in USD.
Leadership & pay
54 people listed
Executive titles in this filing
- KAREN REVELS (PRESIDENT & CEO)
Highest reported compensation
- KAREN REVELS (PRESIDENT & CEO): $202,798 total reported compensation
- WALTER NASON (VP OF FINANCE): $47,500 total reported compensation
Source: IRS Form 990. Selected filing: tax year 2024. Names and roles reflect this filing, not necessarily current officeholders.
Overview
Mission
Jacf empowers students to economic success by delivering innovative, experiential learning programs in fin literacy, career readiness, and entrepreneurship. Partnerships with educators and business leaders inspire and prepare students to succeed in a global economy.
What it reported doing in 2024
3de by junior achievement transforming high school education:3de by junior achievement is a four-year, school-within-a-school instructional model that transforms high school education by integrating real-world business challenges into core academic courses. Implemented in partnership with public school districts in orange and osceola counties, 3de connects english language arts, math, science, and social studies to real-time case studies presented by local and national industry partners.(continued on schedule o)through competency-based case methodology, students work in teams to solve authentic business challenges and present solutions to corporate professionals. This immersive model builds critical thinking, collaboration, communication, and problem-solving skills while increasing academic engagement and relevance. Business volunteers serve as mentors, coaches, and evaluators, providing students with direct exposure to career pathways and professional environments.launched in central Florida in the 2019-2020 school year at oak ridge high school (orlando) and osceola high school (kissimmee), 3de has expanded to nine high schools as of the 2025-2026 school year: oak ridge, osceola, ocoee, east river, innovation, celebration, edgewater, horizon, and lake buena vista. Two additional schools are scheduled to launch in 2026-2027, significantly increasing student access to this innovative instructional model.during the 2024-2025 school year, 1,288 students participated in 3de across central Florida. Students partnered with more than 150 business professionals and engaged in nearly 700 hours of coaching, mentoring, and case-based problem solving.by embedding business connectivity into daily instruction, 3de equips students many from historically underserved communities with the confidence, competencies, and professional exposure needed to succeed in post-secondary education and the modern workforce. Outcomesthis model produces extraordinary results including unmatched graduation rates, stronger academic outcomes, improved classroom engagement, and a significant reduction in chronic absenteeism. At oak ridge high school for example, the 3de class of 2025 achieved a 100% four-year cohort graduation rate. According to the u.s. Department of education, the national average four-year high school graduation rate is approximately 87%. Students who participate in 3de are showing up both literally and in their confidence, communication, and aspirations. The program demonstrates strong academic and postsecondary outcomes. Additionally, post-secondary enrollment for 3de graduates significantly exceeds pre-program benchmarks, reflecting measurable gains in college and career readiness. Academic performance indicators, including ela proficiency growth and learning gains, consistently show higher rates of improvement among 3de students compared to school-wide growth trends.key educational benefits:1. Enhances relevance and engagement by connecting academics to real-world experiences.2. Deepens understanding through sustained business engagement.3. Encourages application of academic concepts to foster skills development and knowledge retention.
Operating model
- Revenue model
- Donor-supported. 87% of the money available for current operations came from contributions and gifts.
- Distribution model
- Direct operator. The filing allocates 100% 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.
- Includes noncash contributions: Reported contributions include donated property or goods.
The verdict
SUPPORTED - The filed numbers largely add up and most voting board members are independent. A relatively small share of available resources goes toward mission work and fundraising costs are high for each dollar raised.
Rating breakdown
- Financial Efficiency: 53
- Transparency & Controls: 81
- Accountability: 100
- Sustainability: 68
- Growth: 100
Detailed rating inputs
Financial Efficiency
- Mission deployment rate: 44.2%; rating input score 44
- Program expense ratio: 70.5%; rating input score 70
- Fundraising efficiency: $11.9 raised per $1 spent on fundraising; rating input score 43; 43rd percentile among comparable filings
Transparency & Controls
- Consistency checks: 93.8%; rating input score 94; 20th percentile among comparable filings
- Pay-setting controls: 3 of 6 controls in place; rating input score 50
- Compensation committee: Pass
- Independent consultant: Missing
- Other Form 990s reviewed: Missing
- Written employment contract: Missing
- Compensation survey or study: Pass
- Board or committee approval: Pass
- Foreign activity oversight: Limited
- Grant itemization coverage: Limited
- 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: 37.9%; rating input score 88; 88th percentile among comparable filings
- Total-asset coverage ratio: 1.19; rating input score 43; 43rd percentile among comparable filings
- Liabilities to assets ratio: 0.02; rating input score 80; 80th percentile among comparable filings
- Officer compensation ratio: 7.7%; rating input score 38; 38th percentile among comparable filings
Growth
- Program expense growth: 22.6% per year; rating input score 100; 88th percentile among comparable filings
- Revenue growth: 25.7% per year; rating input score 100; 92nd percentile among comparable filings
- Asset growth: 16% per year; rating input score 100; 76th percentile among comparable filings
Details
- Where the money goes: 44.2% of revenue deployed · 70.5% of spending went to programs
- Governance: 52 of 52 board members independent · 9 of 9 filing controls reported
- Programs: 4 filed program accomplishments · $2.3M in reported program spending
- Leadership: top reported pay $203K · 54 people listed · 3 of 6 pay-setting controls reported
- Highest-paid contractors: 1 contractor listed · $215K reported
- Consistency: 32 of 33 current checks pass · 1 finding to review
- Schedules: 8 filed schedules · includes major donors and executive pay
- Filing history: 5 filing years from 2019 to 2024
- Contacts: How to reach this organization
- Money network: 2 filed money-flow records
- Related organizations: 1 filed related-organization link
- 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.
Key Signals
Signals prioritize questions for review. They are not findings of misconduct.
- Moderate — Financial Efficiency: Mission deployment rate scored 44/100.
- Moderate — Financial Efficiency: Fundraising efficiency scored 43/100.
- Moderate — Sustainability: Total-asset coverage ratio scored 43/100.
- Review — Transparency & Controls: Schedule R controlled transactions itemized did not reconcile in the filed values.
- Moderate — Sustainability: Officer compensation ratio scored 38/100.