> This is the dirty little secret of billionaires' private foundations. That 5% has a lot of latitude and little oversight. For example, it includes administrative costs. A private foundation can pay each family member a salary (allowance) and that's a valid cost against the 5%.

Here's an example of a 503(c)(3) organisation (in politics often referred to as "dark money" organisations due to their lack of need to report the identities of individual donors) putting a family member on the payroll:

https://vtdigger.org/2018/07/29/sanders-institute-little-sho...

There's also the "buy from myself" tactic which possibly isn't that important for the Mormon Church but can certainly be used to boost apparent popularity or to change the format of money:

https://www.greenmountaindaily.com/2019/04/25/bernies-own-bo...