Non-Profit Cost Optimization

Every dollar saved is a dollar
returned to your mission.

A typical engagement adds 5 to 10% back to your annual operating budget. No vendor changes. No disruption. No fee unless we deliver.

$15M+
Savings identified
100+
Vendor audits
5 years
Savings protected
Book a Call

A short call. Zero commitment. No preparation required.

The Challenge

Non-profits face the same overhead as corporations.
Without the same resources to manage it.

Donor accountability

Every dollar of overhead is scrutinized. Reducing costs directly improves your program-to-overhead ratio and strengthens donor confidence.

Rising benefit costs

Health insurance premiums climb every year. Your best people leave for better benefits elsewhere. There is a better way to offer competitive benefits at lower cost.

Vendor contracts on autopilot

Telecom, shipping, supplies, merchant processing. Contracts auto-renew with built-in escalators. Nobody is watching the line items.

Tax advantages overlooked

FICA savings, Section 125 plans, and payroll tax optimizations are available to non-profits but rarely implemented. Thousands left on the table every year.

Scope

Nine areas where your budget goes further.

Insurance & Benefits

ICHRA, captive structures, self-insurance. 30 to 45% premium reductions. Plus $640/employee in FICA savings via preventative care programs.

Office Supplies & Services

Print management, copier leases, janitorial contracts, and office supply vendors. Markup on recurring contracts compounds silently year over year.

Freight & Shipping

FedEx/UPS parcel renegotiation for organizations with regular shipping volume. 25 to 49% cost reductions are typical.

Telecommunications

AT&T and carrier cost reduction. Legacy phone systems, unused lines, and misaligned plans. Non-profits routinely overpay by 30% or more.

Utilities & Energy

Rate optimization and energy procurement. Multi-site organizations can consolidate and renegotiate for significant annual savings.

Merchant Processing

Donation processing fees, event payment systems, and administrative transactions. Interchange rates and gateway charges add up fast.

Tax Optimization

FICA savings, Section 125 plans, and payroll tax credits. Non-profits are eligible for many of the same tax advantages as for-profit businesses.

Treasury & Banking

Banking fees, lockbox charges, and cash management inefficiencies. Restructuring banking arrangements can free up tens of thousands annually.

Payroll & Retirement

403(b) advisory fees, payroll processing overcharges, and retirement plan administration. Often 100 to 250% above competitive market rates.

The Tax Code Advantage

Better benefits. Higher take-home pay. Lower costs.
All at the same time.

Through existing ACA tax codes, we deliver a program where everyone wins. It is not a trade-off. It is math.

Organization Your Budget

$640 per employee in annual FICA savings returned to your operating budget

Enhanced wellness program at zero net cost to the organization

Improved retention through better benefits without increasing overhead

Better program-to-overhead ratio strengthening donor and board confidence

Employees Your Team

$160/month increase in take-home pay through tax-advantaged benefits

Comprehensive preventative care including dental, vision, and wellness

No change to existing benefits or insurance carriers

Immediate enrollment with zero employee cost

Results

Real savings. Real non-profit organizations.

$180K/year

Telecom and shipping audit for a 200-employee community services organization. Legacy phone system alone was $72K above market rate.

Telecom & Shipping
38%

Health insurance restructuring for a faith-based non-profit with 150 employees. Moved to a self-funded model with reference-based pricing.

Insurance & Benefits
$640/employee

Annual FICA savings through preventative care tax code optimization. Both the organization and employees benefit. Every dollar back to mission.

EHP Tax Advantage
$95K recovered

Merchant processing and payroll audit for a regional association. Credit card interchange rates were 40 basis points above competitive benchmarks.

Processing & Payroll
Barbara Mullaney
Your Advisor

CPA. Senior banker. Non-profit board member. Now working for your mission.

Barbara Mullaney brings decades of financial expertise to the non-profit sector. As a Certified Public Accountant and former senior banking professional, she has spent her career ensuring that organizations operate at peak financial efficiency.

Barbara currently serves on the board of the Center for Family Services, giving her firsthand understanding of the financial challenges non-profits face every day. She understands that every dollar of overhead is a dollar diverted from mission.

That perspective drives everything we do. The same financial rigor that Fortune 500 companies deploy to manage their overhead is now available to non-profit organizations through Pendrill & Associates. Barbara leads this practice because she believes every mission-driven organization deserves a Fortune 500 back office.

CPA
Certified Public Accountant
Board
Center for Family Services
20+
Years in Financial Services
The Process

From conversation to results in 30 to 60 days.

It starts with a conversation. We handle everything from there.

1

A short conversation

We learn about your organization, vendor landscape, and where you suspect overhead may be higher than it should be. A short call. No preparation required.

2

You share the data

If it looks like there is an opportunity, you send us invoices, contracts, and benefit summaries. We tell you exactly what we need.

3

Deep analysis

Our specialists audit every line item across all overhead categories. You do nothing. We come back with specific findings and a clear savings number.

4

We implement

Vendors negotiated. Tax strategies filed. Benefits restructured. No reports. No recommendations. Results. No fee unless we deliver.

5

Ongoing protection

Active monitoring for 5 years. Vendor reversion, fee creep, and contract drift. This is ongoing financial discipline, not a one-time audit.

Your mission deserves every dollar.
Let us find the ones you are missing.

A short conversation to understand your situation and determine if there is an opportunity. If there is, we do the work to prove it. No fee unless we deliver.

Book a Call

A short call. Zero commitment. No preparation required.