Financial Analysis & Operational Benchmarking
CPA-LED FINANCIAL ANALYSIS

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See Where Your Money Is Actually Going

AI-powered financial analysis with CPA oversight. Compare your expenses against industry peers. Identify overspending. Get specific corrective actions.

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Led by Robert O'Connor, CPA with 30+ years experience
NAICS 236-Res: Residential General Contractors — Horizon Home Builders LLC
Horizon Home Builders LLC — Operational Analysis
Category
Actual $
Actual %
Industry Avg
Best
Status
Findings & Actions
DIRECT COSTS (COGS)
Materials & Direct Costs
$285,480
18.2%
15.0–25.0%
14.0–20.0%
OK
Material costs at 18.2% align with NAICS benchmarks for framing and structural work. Note: 67 of 154 supplier transactions ($89,230) have incomplete vendor names—establish naming conventions to enable accurate supplier concentration analysis and negotiate volume rebates.
Subcontractor / Contract Labor
$642,190
41.0%
35–50%
38–45%
OK
Contract labor at 41.0% is within target range for specialized trades (electrical, plumbing, HVAC). Top payees: Northeast Electric ($54,820), Tri-State HVAC ($38,950), Superior Plumbing ($32,480). Identified 51 cash-paid subcontractor transactions totaling $127,340 without 1099 documentation—priority action required by IRC §6041.
Equipment Rental & Owned
$68,750
4.4%
3.5–7.0%
2.5–4.0%
OK
Equipment is reasonable at 4.4%. Recurring rental payments to Prime Equipment Rentals ($24,600) and owned tool depreciation suggest opportunity for owned vs. rental analysis. Review 12 high-value transactions ($18,200) for capitalization compliance.
Total COGS
$996,420
63.6%
60–70%
n/a
OK
Gross profit of 36.4% ($568,756) exceeds NAICS benchmarks due to mix of turnkey and self-perform work. Hybrid model demonstrates strong operational leverage.
OPERATING EXPENSES
Payroll & Employee Costs
$148,275
9.5%
8.0–12.0%
7.0–10.0%
OK
Payroll includes 4 FTE in operations, estimating, and project management. Employer taxes and benefits totaling $24,650. Verify that overtime classifications are compliant with wage-hour regulations; validate project allocation for job costing accuracy.
Insurance & Licensing
$74,200
4.7%
3.5–5.5%
3.0–4.5%
OK
General liability ($35,400), Workers' Comp ($28,200), and licensing ($10,600) are appropriately allocated. Renewal dates: GL 6/15, WC 7/1. Review loss history for next underwriting cycle to identify premium reduction strategies.
Office & Admin Expenses
$47,080
3.0%
2.5–4.0%
2.0–3.5%
OK
Includes rent ($18,000), office software subscriptions ($8,400), supplies ($12,680), and miscellaneous ($8,000). Software spend is above average—audit for unused licenses and consolidation opportunities.
Vehicle & Equipment Operations
$58,500
3.7%
2.5–4.5%
2.0–3.8%
Concern
Fleet fuel and maintenance totals $58,500 across 3 service vehicles. Fuel costs spiked 18% in February (coded as "CC CHARGE" without pump details). Implement fuel card tracking with driver login to identify efficiency gaps and reduce personal-use risk.
Professional Services & Accounting
$32,850
2.1%
1.5–3.0%
1.0–2.0%
OK
Includes accounting services, legal consultation, and inspection fees. $12,400 paid to external payroll processor—opportunity to bring in-house if volume justifies. Bank loan review and interest compliance docs reviewed.
Marketing & Business Development
$29,400
1.9%
1.0–2.5%
0.8–1.8%
OK
Digital advertising ($14,200), website maintenance ($8,100), and networking ($7,100). Return on digital spend unclear—recommend UTM tracking and lead-source attribution to optimize allocation.
Total Operating Expenses
$390,305
24.9%
20–30%
n/a
OK
Operating expenses at 24.9% are within target range. Net operating income: $178,451 (11.4% margin).
CPA Notes: COGS classification aligns Materials ($285,480), Contract Labor ($642,190), and Equipment ($68,750) per NAICS 236-Res standards. IRC §6041 requires W-9s for 51 cash-paid subcontractors totaling $127,340 with missing documentation. Fuel card coding inconsistency in February suggests need for operational controls. Vehicle documentation and capitalization thresholds require review for next audit cycle. Related party transactions reviewed for arm's-length compliance.
CPA Analysis Note: This sample draws from a redacted Q1 2026 financial review of a mid-sized residential GC with hybrid self-perform and subcontracting operations. All company names, dates, account numbers, and vendor identifiers have been changed to protect client confidentiality. Numbers represent actual transaction patterns and cost structures. This analysis is for educational purposes only and does not constitute a complete audit, tax opinion, or financial statement review.

Sample Disclaimer: This is a redacted sample analysis for illustrative purposes only. Actual results and findings will vary based on your specific financial data, industry, and business circumstances. All dollar amounts, dates, and vendor names have been modified to protect client confidentiality.

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General Contractors
Specialty Trade
Restaurants — Full Service
Restaurants — Limited Service
IT Services & Consulting
Medical & Dental
Legal Services
Trucking & Freight
Property Management
Landscaping
Plumbing / HVAC / Electrical
Roofing
Retail
Manufacturing
Wholesale Trade
Accounting Firms
50%
of businesses don't survive past year five
U.S. Bureau of Labor Statistics, 2024
23%
of owners say cash flow is their #1 challenge
Guidant Financial Small Business Report
65%
of businesses close within ten years
BLS Business Employment Dynamics

What You Get

Income Statement

Multi-step P&L with Gross Profit, COGS separation, and CPA-ready footnotes with IRC section references.

Operational Benchmarking

Your actual expenses vs. industry peers — color-coded, line by line. Every benchmark ties directly to your Income Statement with full traceability, so you can see exactly which transactions drive each number.

Financial Ratio Analysis

Liquidity, profitability, efficiency, and leverage ratios benchmarked against your NAICS classification.

Operational Diagnostics

Root-cause analysis on underperforming categories with dollar-impact estimates and corrective actions.

General Ledger

Every transaction categorized, reconciled, and traceable. Sortable. Filterable. Audit-ready.

AI That Learns Your Business

Our system learns your vendors and patterns. Month over month, accuracy climbs to 95%+ auto-categorization.

How It Works

01

Upload Your Data

Bank statements, credit cards, or accounting exports. PDF, CSV, Excel — we handle it all.

5 min
02

We Build Your Package

AI-powered processing with CPA oversight. We map to your existing chart of accounts, build one if you don't have one, or use industry-standard classifications for your NAICS code.

3–5 days
03

Review & Refine

You review. We learn. Corrections feed back into the system so next month is faster and sharper.

1 day
04

Get Your Financial Package

Income Statement, Ratio Analysis, Operational Benchmarks, Diagnostics — all in one professional workbook.

Delivered

19 Industries Covered

General Contractors Specialty Trade Restaurants — Full Service Restaurants — Limited Service IT Services & Consulting Medical & Dental Legal Services Trucking & Freight Property Management Landscaping Plumbing / HVAC / Electrical Roofing Retail Manufacturing Wholesale Trade Accounting Firms
19
NAICS classifications with industry-specific benchmarks
CPA
Led financial analysis with CPA oversight
95%+
Auto-categorization accuracy after learning period
5-10
Business days from data upload to delivery

Frequently Asked Questions

Is this an audit or a review?

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No. This is a management-use financial analysis engagement — not an audit, review, or compilation under SSARS/AICPA standards. We prepare financial statements from your data with CPA-level rigor, but we do not express an opinion or provide assurance. If you need attested financials for lending or bonding, we can arrange that under a separate engagement.

Does this include tax advice?

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This financial analysis product is not tax advice — it's a financial clarity tool. However, Agility Accountants & Advisors absolutely provides tax planning, tax preparation, and strategic tax advisory as separate services. Our financial packages include CPA footnotes with IRC section references that flag tax treatment questions, making your tax engagement more efficient and thorough.

What data do I need to get started?

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At minimum: 12 months of bank statements and credit card statements (PDF or CSV). That's enough for a full Income Statement and operational benchmarking. If you have accounting software exports, prior tax returns, or payroll summaries, the analysis gets even deeper.

How is this different from my bookkeeper?

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Your bookkeeper categorizes transactions. We do that — plus we benchmark every expense category against your industry peers, identify where you're overspending, quantify the dollar impact, and give you specific corrective actions. Every benchmark maps directly back to your Income Statement line items, so there's full traceability from the high-level analysis down to individual transactions. Most bookkeepers don't touch operational analysis.

Do you work with my existing CPA?

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We can do both. If you have a CPA you trust, our deliverables include CPA-ready footnotes with IRC section references — your advisor gets a clean, organized package instead of a shoebox. But we're also a full-service CPA firm offering tax planning, tax preparation, bookkeeping, and advisory services. Many clients find that our financial analysis delivers more detail and visibility than what they're currently getting, and consolidating with one firm eliminates redundant costs.

What industries do you cover?

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19 NAICS classifications with industry-specific benchmarks: construction (residential, commercial, specialty trade, heavy highway), restaurants (full service and limited service), IT services, medical/dental, legal, trucking, property management, landscaping, trades, retail, manufacturing, wholesale, and accounting firms.

How much does it cost?

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Pricing depends on entity complexity, number of accounts, and whether you need one-time analysis or ongoing monthly bookkeeping. Schedule a free consultation and we'll give you a firm quote — no surprises.

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Phone: 410-456-2433

Email: oconnor1171@gmail.com

Location: Baltimore, Maryland

Principal: Robert O'Connor, CPA

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