Saugus Firefighters Relief Association Inc

Nonprofit profile at a glance

EIN
046114701
IRS 990 coverage
2024–2025
Forms available
Form 990 2025, Form 990-EZ 2023
Location
Saugus, MA, USA
Phone
7819411170
Rating
67
Verdict
SUPPORTED
Rating confidence
Moderate

Reported finances

Revenue
$102,051
Expenses
$106,093
Assets
$520,152
Liabilities
$0

Source: IRS Form 990. Selected filing: tax year 2025. Amounts in USD.

Leadership & pay

7 people listed

Executive titles in this filing

  • ANTHONY ARONE (PRESIDENT)
  • PAUL SULLIVAN (VICE PRESIDENT)
  • MICHAEL LEARY (VICE PRESIDENT)

Highest reported compensation

  • DONALD BLANDINI (SECRETARY TREASURER): $875 total reported compensation
  • ANTHONY ARONE (PRESIDENT): $700 total reported compensation
  • PAUL SULLIVAN (VICE PRESIDENT): $600 total reported compensation

Source: IRS Form 990. Selected filing: tax year 2025. Names and roles reflect this filing, not necessarily current officeholders.

Overview

Mission

To provide death disability and sick benefits to members, to promote public safety awareness, and to support worth community causes.

What it reported doing in 2025

Payments to members for death and disability school students

Operating model

Revenue model
Donor-supported. 60% of the money available for current operations came from contributions and gifts.
Distribution model
Grant intermediary. The nonprofit sent 100% of its reported program spending out as grants.

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 a relatively small share of total spending goes to programs.

Rating breakdown

  • Financial Efficiency: 47
  • Transparency & Controls: 90
  • Accountability: 68
  • Sustainability: 49
  • Growth: 100

Detailed rating inputs

Financial Efficiency

  • Mission deployment rate: 54.6%; rating input score 55
  • Program expense ratio: 46.1%; rating input score 46
  • Fundraising efficiency: $2.13 raised per $1 spent on fundraising; rating input score 10; 10th percentile among comparable filings

Transparency & Controls

  • Consistency checks: 100%; rating input score 100; 64th percentile among comparable filings
  • Pay-setting controls: Limited
  • Foreign activity oversight: Limited
  • Grant itemization coverage: Limited
  • Major donor itemization: Limited
  • Related-party transparency: Limited

Accountability

  • Independent voting board: 100%; rating input score 100; 64th percentile among comparable filings
  • Governance controls: 2 of 9 controls in place; rating input score 22
    • Conflict-of-interest policy: Fail
    • Whistleblower policy: Fail
    • Document-retention policy: Fail
    • CEO compensation review process: Missing
    • Other executive compensation review process: Missing
    • Form 990 shared with the board: Pass
    • Board meeting minutes documented: Pass
    • Audit committee oversight: Missing
    • Independent financial-statement audit: Fail

Sustainability

  • Operating margin: -4%; rating input score 27; 27th percentile among comparable filings
  • Total-asset coverage ratio: 4.9; rating input score 79; 79th percentile among comparable filings
  • Liabilities to assets ratio: 0; rating input score 77; 77th percentile among comparable filings
  • Officer compensation ratio: 2.1%; rating input score 33; 33rd percentile among comparable filings

Growth

  • Program expense growth: 49% per year; rating input score 100; 95th percentile among comparable filings
  • Revenue growth: 27% per year; rating input score 100; 91st percentile among comparable filings
  • Asset growth: 6.3% per year; rating input score 100; 50th percentile among comparable filings

Details

  • Where the money goes: 54.6% of revenue deployed · 46.1% of spending went to programs
  • Governance: 54 of 54 board members independent · 2 of 9 filing controls reported
  • Programs: 3 filed program accomplishments · $49K in reported program spending
  • Leadership: top reported pay $875 · 7 people listed
  • Consistency: 17 of 17 current checks pass
  • Schedules: 2 filed schedules
  • Filing history: 2 filing years from 2024 to 2025
  • Contacts: How to reach this organization
  • Money network: 6 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.

Key Signals

Signals prioritize questions for review. They are not findings of misconduct.

  • Review — Financial Efficiency: Mission deployment rate scored 55/100.
  • Moderate — Financial Efficiency: Program expense ratio scored 46/100.
  • High — Accountability: Governance controls: 4 of 6 not reported.
  • High — Financial Efficiency: Fundraising efficiency scored 10/100.
  • High — Sustainability: Operating margin scored 27/100.
  • Moderate — Sustainability: Officer compensation ratio scored 33/100.