HARBOUR RIDGE YACHT & COUNTRY CLUB

EIN: 65-0129568 · PALM CITY, FL · Data spans: TY2020–TY2024

Most recent filing: Tax Year 2024.

A more recent filing may not yet be published.

Sailing's public record, made legible. All numbers come directly from this organization's own sworn 990 filing. Patterns are computed from years of filings — not assessments or judgments.

Read trends in context: compare like with like, note the filing year, and treat major disruptions (like 2020–2021) as discontinuities rather than a continuous baseline.

Missing or N/A does not always mean absent. It can mean the item was not disclosed on that form, not collected on that filing type, or not available for that year.

Accrual basisAuditedAudit committeePart XII · TY2024
Total Revenueℹ️Form 990, Part VIII — Statement of Revenue. Includes contributions, grants, member dues, program service revenue, and investment income. Does NOT include borrowed funds or asset sales proceeds.

$17,826,363

Total Expensesℹ️Form 990, Part IX (full 990) or Part I Line 17 (990-EZ) — Total functional expenses. Includes program service expenses, management and general, and fundraising. The gap between revenue and expenses is the operating surplus or deficit for the year.

$20,770,842

Total Assetsℹ️Form 990, Part X — Balance Sheet, end of year. Includes cash, receivables, investments, land, buildings, and equipment.

$53,929,069

Net Assetsℹ️Form 990, Part X — Total assets minus total liabilities (also called fund balance). Positive values indicate assets exceed liabilities; negative values indicate liabilities exceed assets.

$37,137,199

293 W-2 employees reported (Form W-3, most recent filing — contractors and volunteers excluded) · TY2024 · 990

Total compensation, benefits & payroll taxes (Part IX)

TY2024

$10,626,407

Full cost to employ everyone — wages + employer benefits + payroll taxes. Not officer pay alone.

~$36,000 per employee average across 293W-2 employees; includes benefits & payroll taxes; part-time and seasonal staff counted at full weight.

Named officers/key employees (Part VII‑A) show reportable compensation only and are already included in the Part IX total above. They are not additive.

Named staff org comp sums to $1,615,070. The remaining $9,011,337is unlisted staff labor cost — includes benefits & payroll taxes for all employees, not any one person's salary.

Professional & consulting fees (Part IX, line 11)

No professional or consulting fees reported in Part IX for TY2024.

Functional Expense Allocation (Part IX)

TY2024

$20,770,842total functional expenses

Source: Form 990, Part IX, line 25. Functional allocation percentages are not itemized in this filing data for the selected year.

Historical Trends

Revenue vs. Expenses

Net Revenue / Operating Margin

Net Assets

Financial Health Snapshot

Derived from IRS 990 filings. Figures are as reported — they reflect a single point in time and should be read alongside the full filing history and program context above. No benchmark is a verdict.

Operating Margin

-16.5%TY2024

Net revenue as a share of total revenue. Positive = surplus; negative = deficit.

Sector context: sailing organizations typically run thin margins by design. A small surplus signals structural balance; a deficit is not automatically a warning without multi-year trend context.

Cash reserve (months)

1.6 monthsTY2024

Cash and short-term investments divided by average monthly expense.

A common practitioner benchmark: 3–6 months of unrestricted reserves provides a buffer for seasonal revenue gaps or unexpected costs. This figure is not a compliance threshold.

Revenue Change (YoY)

+7.8%TY2024

Change in total revenue from TY2023 to TY2024.

A single year of revenue change is a data point, not a trend. See the historical trends above for multi-year pattern context.

Revenue Trend

Tax YearPeriodFormRevenueExpensesNet RevenueNet Assets
TY20202020–2021990$11,610,137$14,570,571-$2,960,434$36,301,054
TY20212020–2021990$11,636,786$14,497,356-$2,860,570$36,990,509
TY20222022+990$13,335,793$17,301,868-$3,966,075$36,213,004
TY20232022+990$16,534,002$19,307,422-$2,773,420$36,743,594
TY20242022+990$17,826,363$20,770,842-$2,944,479$37,137,199

Revenue trend is a filing-history view. It helps you compare operating periods, not infer the club's live condition today.

Revenue Breakdown (Part VIII — most recent year)

Form 990, Part VIII — Statement of Revenue. Includes, but is not limited to: Line 1 = contributions and grants (including member dues reported as contributions). Lines 2a–2f = program service revenue (activities that directly further the organization's exempt purpose). Line 3 = investment income. The specific mix varies by organization type. Source: the organization's own sworn filing.

LineDescriptionAmount
11aMISCELLANEOUS$201,707
12Total revenue$17,826,363
2aMEMBERSHIP DUES & ASSESSMENTS$12,306,658
2bTRAIL & LOCKER FEE$940,222
2cGOLF GUEST FEES$477,869
2dTENNIS FEES$340,482
2eTOURNAMENT FEES$205,751
2fTotal program service revenue$14,362,821
3Investment income$280,943
6cNet rental income or (loss)$18,283

Most revenue is reported in a single category this year. That can be normal for some org types; see the source filing for detail.

Balance Sheet (Part X)

TY2024
LineDescriptionBOYEOY
16Total assets$52,219,252$53,929,069
26Total liabilities$15,475,658$16,791,870
33Total net assets or fund balances$36,743,594$37,137,199

Source: Form 990, Part X, Balance Sheet.

Officers & Key Staff (Part VII)

How to read this section

This is not a full staff directory. It is the subset of people the organization had to disclose in Form 990, Part VII (the officer, director, trustee, key employee, and highest-compensated employee section of the filing). Why this matters: a missing name does not mean a person was not employed or involved.

Total Volunteer Board Hours/Week (Selected Year): 75

Hours per week are self-reported by each officer on Form 990, Part VII. They are not verified.

Officers and directors as reported on Form 990, Part VII. These are typically unpaid, elected positions. If an officer receives compensation, it will appear in the Paid Staff tab.

Operationally, this section is most useful for understanding disclosed leadership structure, compensation visibility, and board labor — not for reconstructing the full staffing model of a club.

NameTitleHours/WeekStatus
GREG WARNERDIRECTOR5Volunteer
CHARLES WHITEDIRECTOR5Volunteer
SHERYL HAYESDIRECTOR (THROUGH 1/28/24)5Volunteer
JILL KELLYDIRECTOR (THROUGH 1/28/24)/PRESIDENT5Volunteer
THOMAS OLSONDIRECTOR (THROUGH 6/27/24)5Volunteer
KENNETH HUNZEKERDIRECTOR (AS OF 1/28/24)5Volunteer
GIL ZANCHIDIRECTOR (AS OF 1/28/24)5Volunteer
DANIEL ZIVNEYDIRECTOR (THROUGH 1/28/24)5Volunteer
KATHLEEN POWELLSECRETARY (THROUGH 1/28/24)5Volunteer
WILLIAM W HARRISON JRSECRETARY (AS OF 1/28/24)5Volunteer
ANDY HARRISTREASURER (THROUGH 1/28/24)5Volunteer
MICHAEL IMPERIALEDIRECTOR (THROUGH 1/28/24)/TREASURER (AS OF 1/28/25Volunteer
THOMAS DEFAZIODIRECTOR5Volunteer
SARAH MANUSDIRECTOR5Volunteer
ELLEN THOMPSONDIRECTOR5Volunteer

Top Independent Contractors (Part VII-B)

$1,013,253across 2 contractors

TY2024
ContractorServicesCompensation
STAFFING CONTRACTOR$842,234
RACQUET PRO CONTRACTOR$171,019

Source: Form 990, Part VII, Section B. Lists each independent contractor paid more than $100,000.

Programs (Part III — most recent year)

Form 990, Part III — Statement of Program Service Accomplishments. These are the activities that directly further the organization's exempt purpose. Expenses, grants, and revenue are as reported in the organization's own sworn filing.

APPROXIMATELY 54,140 ROUNDS OF GOLF WERE PLAYED FOR THE YEAR ENDED 9/30/24. ALL ROUNDS, WITH THE EXCEPTION OF 1,377, WERE MEMBER RELATED.

Governance & Transparency Signals

The IRS Form 990 is a sworn disclosure document — not just a tax return. Beyond financials, it captures governance policies, compensation practices, and relationships between insiders and the organization. Every category below comes directly from that filing. When a field is blank, it is often because this form type doesn’t require it, or the org doesn’t meet the threshold that triggers disclosure. That context is itself worth knowing.

Conflict of Interest Policy

Form 990, Part VI — Line 12a

Reported: Yes

This organization has a written conflict of interest policy requiring officers, directors, and key employees to disclose any personal financial interest in a pending decision and to step back from that vote. A documented policy creates a formal process for surfacing and managing potential conflicts. In this corpus, 41% of organizations report having one.

Whistleblower Protection Policy

Form 990, Part VI — Line 13

Not reported

No whistleblower protection policy reported. The IRS added this question in 2008 following Sarbanes-Oxley. Absence does not imply wrongdoing; many smaller organizations have not formalized this in writing.

Officer & Key Employee Compensation (Part VII)

Form 990, Part VII — Named individuals with reportable compensation

Part VII requires individual disclosure of all officers, directors, trustees, key employees, and the five highest-compensated employees earning above the reporting threshold. The individuals listed here are from the most recent available filing.

NameTitleComp from Org
MICHAEL SALERNOGENERAL MANAGER$400,000
TIM CANNDIRECTOR OF GOLF MAINTENANCE$271,263
JEFFREY BELAUCHIEF FINANCIAL OFFICIAL$248,762
JOHN OLEARYEXECUTIVE CHEF$180,333
LISA DMITIDIRECTOR OF FITNESS$131,707
NIKI PLAITISHUMAN RESOURCES DIRECTOR$127,877
KALLIE LANGBERGDIRECTOR OF COMMUNICATIONS$127,873
TERESA SALVAGGIOFOOD & BEVERAGE DIRECTOR$127,255

Compensation shown is reportable compensation from this organization only, as disclosed in Part VII. Most volunteer-run sailing clubs report $0 officer compensation, while larger organizations may report paid executive roles. The figures above show exactly what this filing reports for named individuals.

Independent Compensation Consultant

Schedule J, Part I — Organizations filing when comp exceeds $150K

No independent compensation consultant reported for the most recent year with Schedule J data (2024). Executive pay was set through internal board processes — a compensation committee, comparison to prior years, or board vote — without outside benchmarking. This filing line records the process used, rather than evaluating whether that process is right or wrong.

Equity-Based Compensation

Schedule J, Part II — Per-person compensation detail

Not reported

No equity-based compensation reported — expected for a nonprofit. Nonprofits cannot issue ownership stakes because they have no shareholders. In the for-profit world, equity aligns executive incentives with long-term value creation; the nonprofit analog takes different forms (retention bonuses, deferred comp) but not equity. Zero percent of organizations in the sailing and yacht club corpus report this. This section reports whether the filing includes that disclosure.

Related-Party Transactions (Schedule L)

Schedule L — Transactions with Interested Persons (officers, directors, their families, controlled entities)

Schedule L requires disclosure of loans, grants, and business transactions between the organization and its own insiders — board members, officers, key employees, and their family members or entities they control. Nonprofits are not prohibited from transacting with insiders, but they must disclose it, follow fair-market-value standards, and document that the transaction benefited the organization, not just the insider. These disclosures exist because self-dealing is the most direct way nonprofit assets can flow to those in control.

No related-party transactions found in our data for this organization. Schedule L is only required when transactions occur — absence means none were reported, not necessarily that none occurred.

Voting Board Members

10

Independent Members

10

Total Employees

293

Total Volunteers

150

Schedule O — Supplemental Information (most recent year)

Organizations use Schedule O to provide additional explanation for answers given on the main 990 form. These are direct excerpts from the filed document.

FORM 990, PART VI, SECTION A, LINE 6

THE CLUB IS A PRIVATE MEMBER-OWNED CLUB THAT IS OWNED AND OPERATED FOR THE PLEASURE AND RECREATION OF ITS MEMBERS.

FORM 990, PART VI, SECTION A, LINE 7A

THE FOLLOWING MEMBERSHIP CATEGORIES HAVE VOTING PRIVILEGES: EQUITY MEMBERS.

FORM 990, PART VI, SECTION A, LINE 7B

CHANGES TO THE BY-LAWS, CAPITAL PROJECTS OR EXPENDITURES GREATER THAN $4,000,000, BORROWINGS IN EXCESS OF 10% OF THE OPERATING BUDGET, AND SPECIAL ASSESSMENTS IN EXCESS OF THE GREATER OF $500 OR 10% OF ANNUAL DUES REQUIRE THE APPROVAL OF THE EQUITY MEMBERS.

FORM 990, PART VI, SECTION B, LINE 11B

DRAFTS OF FORM 990 AND 990T ARE REVIEWED BY THE AUDIT COMMITTEE AND SUBMITTED TO THE BOARD OF DIRECTORS FOR APPROVAL. DRAFTS OF FORM 990 AND 990T MADE AVAILABLE AT THE BOARD MEETING. THE BOARD APPROVES THE RETURNS AS SUBMITTED BY THE AUDIT COMMITTEE.

FORM 990, PART VI, SECTION B, LINE 12C

THE POLICY IS DISCUSSED DURING ANY CONTRACT PROCESS.

Mission

TO BIND ITS MEMBERS TOGETHER BY A COMMON OBJECTIVE DIRECTED AT PLEASURE AND RECREATION.

As stated in the organization's 990 filing.

IRS Source Filings

Source filings are IRS e-file records in XML (Extensible Markup Language) format — a structured data standard used by the IRS for electronic filing. If you open one of these links, it will look like code. That's not an error — that's what XML looks like. Harbor Commons processes this raw XML and presents the structured, readable view you see above.

Why this matters: the XML is the receipt. Harbor Commons is the reading layer on top of that receipt. If you ever need to verify a number, wording choice, or disclosure, the source filing is where to check.

Similar Organizations

Finding peer organizations…

Capacity Signals

Auto-detected patterns from this organization's own IRS filing history. Signals are relative to this org's trend only — not peer comparisons, not judgments.

Private clubs are naturally labor-heavy. Always interpret signals against this organization's own context before drawing conclusions.

Minor

Labor cost per employee rose with flat headcount

Average labor cost per employee rose 12% YoY (TY2023→TY2024) while headcount stayed flat and revenue grew less than 8%. This can reflect pay raises, benefit cost increases, or a shift toward higher-compensated roles.

Why it matters: Rising per-employee cost without corresponding revenue growth compresses operating margins and may reflect wage catch-up after a period of underpayment, or structural changes in benefits.

Operator question: Were raises given broadly across staff, or did the mix shift toward higher-compensated positions (e.g., new senior hire, benefits restructure)?

Phase 2 signals (contractor substitution, benefits share changes) require Part IX line-level data and are not yet available. All computations use IRS-filed data only; no external benchmarks or CPI adjustments beyond a 3% per year inflation proxy.

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