Resources & Thought Leadership Library | SD Mayer

Nonprofit Refresher: Understanding Excess Benefit Transactions

Written by Admin | July 17, 2024

Nonprofit directors are tasked with ensuring their organizations operate within the law while achieving their mission. One critical area that often requires attention is understanding and avoiding excess benefit transactions. This guide will provide a comprehensive overview to help you stay compliant and protect your nonprofit from potential penalties.

What are Excess Benefit Transactions?

Excess benefit transactions occur when a nonprofit provides an economic benefit to a disqualified person that exceeds the value of the consideration received in return. Disqualified persons can include executives, board members, or anyone with significant influence over the organization.

Key Points:

  • Economic Benefit: This can be compensation, perks, or any other transfer of value.
  • Disqualified Person: Anyone in a position to exercise substantial influence over the organization’s affairs.

Why it Matters

The IRS imposes strict regulations to ensure that nonprofit resources are used to further the organization’s mission rather than for personal gain. Engaging in excess benefit transactions can lead to severe consequences, including:

  • Intermediate Sanctions: Excise taxes on both the disqualified person and the organization managers who approved the transaction.
  • Reputation Damage: Public trust in the nonprofit can be eroded, impacting donations and support.
  • Legal Repercussions: Potential legal action from state regulators.

How to Identify Excess Benefit Transactions

Regularly reviewing transactions and compensation packages is crucial. Here’s how you can identify potential excess benefit transactions:

1. Conduct Comparability Studies

Compare compensation and benefits with similar positions in similar organizations. This helps ensure that what your nonprofit offers is reasonable and defensible.

2. Establish a Compensation Committee

Have an independent committee review and approve compensation packages. This adds a layer of impartiality and diligence.

3. Document Everything

Keep detailed records of all decisions related to compensation and benefits, including the basis for these decisions. This documentation is vital if the IRS audits your organization.

4. Regular Training

Ensure that all directors and key staff are educated about excess benefit transactions and their implications. Regular training sessions can help maintain awareness and compliance.

Case Study Example

To illustrate, consider a nonprofit where the executive director is paid significantly more than peers in similar organizations without a clear, documented reason. This could be flagged as an excess benefit transaction.

Steps to Correct:

  1. Review Compensation: Conduct a comparability study to assess whether the current compensation is reasonable.
  2. Adjust Compensation: If it’s found to be excessive, adjust it to align with industry standards.
  3. Repay Excess: The disqualified person should repay the excess benefit amount.
  4. File Form 4720: Report the transaction to the IRS and pay any excise taxes due.

Best Practices to Avoid Excess Benefit Transactions

By implementing the following best practices, your nonprofit can minimize the risk of excess benefit transactions:

1. Governance Policies

Adopt clear policies on compensation, conflicts of interest, and financial oversight.

2. Annual Reviews

Conduct annual reviews of compensation and benefits packages to ensure they remain reasonable and aligned with market standards.

3. External Audits

Engage external auditors to conduct periodic reviews of financial practices and compensation structures.

4. Transparency

Maintain transparency with stakeholders about how compensation and benefits decisions are made. This can help build trust and accountability.

Conclusion

Avoiding excess benefit transactions is essential for maintaining your nonprofit’s integrity and compliance. By understanding what constitutes an excess benefit transaction and implementing robust checks and balances, you can protect your organization from penalties and ensure it continues to fulfill its mission effectively.

If you need further assistance or want personalized advice, consider consulting with a nonprofit compliance expert. Staying informed and proactive is the best way to safeguard your nonprofit’s future.

Ready to ensure your nonprofit stays compliant? Schedule a consultation with our experts today!