Worklife Partnership

Nonprofit profile at a glance

EIN
471331690
IRS 990 coverage
2015–2025
Forms available
Form 990 2025, Form 990-N 2014
Location
Denver, CO, USA
Phone
3032981625
Rating
71
Verdict
SUPPORTED
Rating confidence
Moderate
Sector
Employment Procurement Assistance

Reported finances

Revenue
$1,667,613
Expenses
$1,994,554
Assets
$292,253
Liabilities
$671,579

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

Leadership & pay

12 people listed

Executive titles in this filing

  • CYNTHIA WILLIAMS (CEO)
  • LIDDY ROMERO UNTIL 1225 (CEO)

Highest reported compensation

  • CYNTHIA WILLIAMS (CEO): $186,357 total reported compensation
  • CHRIS YOUNG (CFO): $122,500 total reported compensation
  • LIDDY ROMERO UNTIL 1225 (CEO): $118,077 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 build prosperity for individuals, business, families, and communities by unleashing the potential of front line workers through collaboration with their employers and other resources.

What it reported doing in 2025

Worklife partnership provides one-on-one assistance to incumbent workers through its primary program so they may remain stably employed and pursue pathways to economic mobility. In 2025, worklife helped 1,985 hardworking employees in 18 states improve their work-life stability through its signature resource navigation program. We partnered with employers across multiple industries including healthcare, manufacturing, retail, hospitality, long-term care, social services, and construction to provide support and resources to their employees. In 2025, 66% of those we supported couldn't afford an emergency expense of 300 and 40% expressed a financial concern; an additional 31% indicated they were struggling with housing. Our resource navigators provided employees with over 5,700 unique resources/services and connected employees with 288 immediate mental health sessions, over 118,000 in direct cash assistance for housing, food and nutrition, healthcare, transportation, energy asistance, and childcare; and workers had 25,000 in debt reduction realized after we connected them to in-depth credit counseling. After being served by a worklife navigator, of those responding to worklife's client survey, 90% said their needs were resolved by working with a navigator, 90% reported increased confidence, 78% reported decreased financial stress, 73% said worklife services made it possible to retain their job, and 60% reported being less likely to miss work. Through worklife's proprietary employer engagement process it worked with employers to influence and track over 190 job quality improvements creating improved job satisfaction and opportunity for low- and moderate- income workers across the country. In 2025, worklife sunset its small dollar loan program for Colorado employees to partner with a national lender that offers work-based, low dollar lending via employer partners across the country. While worklife ended its own loan program, we continued to service outstanding loans and report them to credit reporting agencies, with 93% reported in good standing.

Operating model

Revenue model
Earned-program. 64% of the money available for current operations came from fees and other program revenue.
Distribution model
Direct operator. The filing allocates 89% 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 - A large share of available resources goes toward mission work and the filed numbers largely add up. Fundraising costs are high for each dollar raised and expenses are high relative to revenue.

Rating breakdown

  • Financial Efficiency: 62
  • Transparency & Controls: 75
  • Accountability: 91
  • Sustainability: 8
  • Growth: 100

Detailed rating inputs

Financial Efficiency

  • Mission deployment rate: 73.5%; rating input score 73
  • Program expense ratio: 61.4%; rating input score 61
  • Fundraising efficiency: $2.09 raised per $1 spent on fundraising; rating input score 6; 6th 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: 99.4%; rating input score 99; 53rd 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; 64th percentile among comparable filings
  • Governance controls: 7 of 9 controls in place; rating input score 78
    • 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: Fail
    • Board meeting minutes documented: Pass
    • Audit committee oversight: Pass
    • Independent financial-statement audit: Fail

Sustainability

  • Operating margin: -19.6%; rating input score 7; 7th percentile among comparable filings
  • Total-asset coverage ratio: 0.15; rating input score 8; 8th percentile among comparable filings
  • Liabilities to assets ratio: 2.3; rating input score 1; 1st percentile among comparable filings
  • Officer compensation ratio: 21.4%; rating input score 15; 15th percentile among comparable filings

Growth

  • Program expense growth: 7.6% per year; rating input score 100; 49th percentile among comparable filings
  • Revenue growth: 8.8% per year; rating input score 100; 56th percentile among comparable filings
  • Asset growth: 8.7% per year; rating input score 100; 50th percentile among comparable filings

Details

  • Where the money goes: 73.5% of revenue deployed · 61.4% of spending went to programs
  • Governance: 7 of 7 board members independent · 7 of 9 filing controls reported
  • Programs: 1 filed program accomplishment · $1.2M in reported program spending
  • Leadership: top reported pay $186K · 12 people listed · 1 of 6 pay-setting controls reported
  • Consistency: 34 of 34 current checks pass
  • Schedules: 6 filed schedules · includes major donors, grants, and executive pay
  • Filing history: 11 filing years from 2015 to 2025
  • 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.

  • High — Financial Efficiency: Fundraising efficiency scored 6/100.
  • High — Sustainability: Operating margin scored 7/100.
  • Review — Accountability: Governance controls: 2 of 9 not reported.
  • High — Sustainability: Total-asset coverage ratio scored 8/100.
  • High — Sustainability: Liabilities to assets ratio scored 1/100.
  • High — Sustainability: Officer compensation ratio scored 15/100.