{
  "name": "Run On CFOS Reference Library",
  "description": "Citable construction finance references: benchmarks by trade and revenue band, a labor burden chart, a markup to margin chart, an overbilling and payment terms table, and retainage statutes by state. Each entry has a one sentence answer, a date, a stable page and the credit to use.",
  "url": "https://runoncfos.com/reference-library",
  "publisher": "Sulphur Prairie Operations, LLC",
  "updated": "2026-08-21",
  "howToCite": "Use the citation string on the entry you quote. Give the page URL and the date.",
  "entries": [
    {
      "id": "benchmarks",
      "name": "Run On CFOS Trade Benchmark Reference",
      "url": "https://runoncfos.com/benchmark-report-2027",
      "answer": "Gross margin, overhead and net profit for 48 construction trades across 7 revenue bands, with the CFOS target beside every figure in the reconciled bands. Net profit is stated after taxes.",
      "published": "2026-08-17",
      "updated": "2026-08-21",
      "data": {
        "csv": "https://runoncfos.com/benchmarks.csv",
        "json": "https://runoncfos.com/benchmarks.json"
      },
      "license": "CC BY 4.0",
      "citation": "Trade level gross margin and overhead come from figures CFMA, Jones Maresca and other sources publish, and Run On CFOS publishes net profit as a separate average stated after taxes. The CFOS targets beside them are from the book CONTROL: C.F.O.S. Construction Financial Operating System, published with the full reference at runoncfos.com."
    },
    {
      "id": "labor-burden-chart",
      "name": "Labor burden chart",
      "url": "https://runoncfos.com/labor-burden-chart",
      "answer": "A $30.00 hourly wage costs $39.00 to $42.00 an hour at 30 to 40 percent labor burden: $39.00 at 30 percent, $40.50 at 35 percent and $42.00 at 40 percent.",
      "published": "2026-10-17",
      "updated": "2026-10-17",
      "data": {
        "csv": "https://runoncfos.com/labor-burden-chart.csv",
        "json": "https://runoncfos.com/labor-burden-chart.json"
      },
      "license": "CC BY 4.0",
      "citation": "Run On CFOS. Labor burden chart. 2026. Sulphur Prairie Operations, LLC. https://runoncfos.com/labor-burden-chart. CC BY 4.0."
    },
    {
      "id": "markup-to-margin-chart",
      "name": "Markup to margin chart",
      "url": "https://runoncfos.com/markup-to-margin-chart",
      "answer": "A 10 percent markup is a 9.09 percent margin. A $100.00 cost sells for $110.00, and the $10.00 of markup is 9.09 percent of that price.",
      "published": "2026-10-17",
      "updated": "2026-10-17",
      "data": {
        "csv": "https://runoncfos.com/markup-to-margin-chart.csv",
        "json": "https://runoncfos.com/markup-to-margin-chart.json"
      },
      "license": "CC BY 4.0",
      "citation": "Run On CFOS. Markup to margin chart. 2026. Sulphur Prairie Operations, LLC. https://runoncfos.com/markup-to-margin-chart. CC BY 4.0."
    },
    {
      "id": "overbilling-and-45-day-terms",
      "name": "Overbilling against payment terms",
      "url": "https://runoncfos.com/overbilling-and-45-day-terms",
      "answer": "With 45 day payment terms, an overbilling of 6, 8 or 10 percent of contract value leaves any job shorter than 15 months behind the work done in cash.",
      "published": "2026-10-17",
      "updated": "2026-10-17",
      "data": {
        "csv": "https://runoncfos.com/overbilling-and-45-day-terms.csv",
        "json": "https://runoncfos.com/overbilling-and-45-day-terms.json"
      },
      "license": "CC BY 4.0",
      "citation": "Run On CFOS. Overbilling against payment terms. 2026. Sulphur Prairie Operations, LLC. https://runoncfos.com/overbilling-and-45-day-terms. CC BY 4.0."
    },
    {
      "id": "retainage-by-state",
      "name": "Retainage laws by state",
      "url": "https://runoncfos.com/retainage-by-state",
      "answer": "Run On CFOS read the retainage statutes for all 50 states and DC on October 17, 2026: 73 of 102 private and public rows cite a retainage statute from the state's official text, 14 found no retainage statute, and 15 aren't verified yet.",
      "published": "2026-10-17",
      "updated": "2026-10-17",
      "data": null,
      "license": null,
      "citation": "Run On CFOS. Retainage laws by state. 2026. Sulphur Prairie Operations, LLC. https://runoncfos.com/retainage-by-state. CC BY 4.0.",
      "reuse": "The statute text belongs to each state. This page is a reference with the official link and check date on every row, and it has no download."
    },
    {
      "id": "payment-terms-by-state",
      "name": "Payment timing and pay if paid by state",
      "url": "https://runoncfos.com/retainage-by-state#payment-terms",
      "answer": "Run On CFOS read the payment timing laws for all 50 states and DC on October 17, 2026: 9 of 102 private and public rows void a pay if paid clause, 11 limit one, 12 found no payment timing statute, and 15 aren't verified yet.",
      "published": "2026-10-17",
      "updated": "2026-10-17",
      "data": null,
      "license": null,
      "citation": "Run On CFOS. Payment timing and pay if paid by state. 2026. Sulphur Prairie Operations, LLC. https://runoncfos.com/retainage-by-state. CC BY 4.0.",
      "reuse": "The statute text belongs to each state. This page is a reference with the official link and check date on every row, and it has no download."
    }
  ]
}