Retirement plan

VERMONT SCHOOL BOARDS ASSOCIATION, INC. TAX DEFERRED ANNUITY PLAN

Name: VERMONT SCHOOL BOARDS ASSOCIATION - VERMONT SCHOOL BOARDS ASSOCIATION, INC. TAX DEFERRED ANNUITY PLAN (2025) Form 5500
Creator: VERMONT SCHOOL BOARDS ASSOCIATION
License: https://www.dol.gov/general/disclaim
Keywords: Form 5500, ERISA, retirement plan, VERMONT SCHOOL BOARDS ASSOCIATION, INC. TAX DEFERRED ANNUITY PLAN, VERMONT SCHOOL BOARDS ASSOCIATION

VERMONT SCHOOL BOARDS ASSOCIATIONEIN 03-0211383Plan #001PY 2025

2 PROSPECT STREET, SUITE 4 - MONTPELIER, VT 05602802-223-3580vtvsba.orgLinkedIn1-10 employees

Prospect flagsHigh feesLow fidelity bond

How to read this page

Total assets (EOY)

$602K

+36.2% from 2024

Total participants

0.0% from 2024

Average account balance

$66,919

+36.2% from 2024

Annual return

12.79%

-1.61 pp from 2024

Benchmarks

See 1,950 peers

Peer group

Industry61 - Educational Services

Plan typeDefined contribution

Participants<25

Cohort1,950 peers

Snapshot2025

Free accounts unlock saves, downloads, and 3-year history.

Analytics

Total assets (EOY)

Plan-year ending balance

$602K

Not enough data

1 years with asset history on file

Average account balance

Total assets / participants with a balance (line 6g)

$67K

Not enough data

1 years with per-participant data

Participants with account balance

Stacked by status: active / separated vested / retired or beneficiary. Total = line 6g.

Not enough data

1 years with headcount on file

Eligible Participants and Participation

Bars: eligible actives (line 6a). Line: derived rate = active employees with a balance / 6a.

225.0%

Not enough data

1 years with eligibility data

Contributions (total)

Employer and participant dollars contributed each year

$114K

Not enough data

1 years with contributions on file

Contributions per participant

Average employer and participant contribution per enrolled participant

$29K

Not enough data

1 years with per-participant contribution data

Asset flow

BOY + contributions + return - distributions = EOY

Year

Annual return

Diverging bars; negative years highlighted

+12.79%

Not enough data

1 years with return on file

Admin fee / account holder

Total admin expenses / participants with a balance (line 6g)

$1253

Not enough data

1 years with admin cost on file

Asset composition

Cash / stocks / bonds / mutual funds / real estate / loans over time

Not enough data

0 years with F_SCH_H allocation on file

Free accounts unlock saves, downloads, and 3-year history.

Service providers

Providers data not reported

Schedule C was not filed on this plan's most recent Form 5500, so no compensated service providers are available to display.

Plan features & details

Pension benefit codes2L2M2G3D

Plan features

2G
Total participant-directed account plan
Participants have the opportunity to direct the investment of all of the assets allocated to their individual accounts regardless of whether 29 CFR 2550.404c-1 is intended to be met.
2L
Code section 403(b)(1) arrangement
Plan uses a Code section 403(b)(1) annuity contract as a funding vehicle.
2M
Code section 403(b)(7) accounts
Plan uses Code section 403(b)(7) custodial accounts as a funding vehicle.
3D
Pre-approved pension plan
A master prototype or volume submitter plan that is the subject of a favorable opinion or advisory letter from the IRS.

Opportunity flags

2 tripped

OpportunityHigh fees
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
ComplianceLow fidelity bond
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).

Expense breakdown

Schedule H Part II

Admin total

$11K

$2820 / participant

Other / not subdivided$11K100.0%

% of EOY assets

1.873%

all-in expense ratio

Categories reported

0 / 9

subdivided buckets used

Audit opinion

Schedule H Part III

No opinion code on file for this filing.

Auditor firm: (not reported)
Auditor EIN: -
Audit fees: (not subdivided)
Opinion code: -

Metric

This plan

Peer set

Industry

Size

Avg account balance

$66,919

$96,123-30.4%

$77,361-13.5%

$198,609-66.3%

Participation rate

100.0%

81.1%+18.9pp

75.0%+25.0pp

82.4%+17.6pp

Annual return

12.79%

2054.81%-2042.0pp

1011.54%-998.7pp

202.70%-189.9pp

Employer contribution / active EE

$12,804

$3,791+237.8%

$2,990+328.2%

$5,055+153.3%

Participant deferral / active EE

$15,803

$4,975+217.7%

$3,911+304.1%

$6,977+126.5%

Admin fee / account holder

$1,253

$9,471-86.8%

$5,894-78.7%

$19,030-93.4%

VERMONT SCHOOL BOARDS ASSOCIATION, INC. TAX DEFERRED ANNUITY PLAN

Summary metrics

Benchmarksi

Analytics

Service providersi

Plan features & details

Opportunity flagsi

Expense breakdowni

Audit opinioni

VERMONT SCHOOL BOARDS ASSOCIATION, INC. TAX DEFERRED ANNUITY PLAN

Summary metrics

Benchmarksi

Analytics

Service providersi

Plan features & details

Opportunity flagsi

Expense breakdowni

Audit opinioni

Benchmarks

Service providers

Opportunity flags

Expense breakdown

Audit opinion

Benchmarks

Service providers

Opportunity flags

Expense breakdown

Audit opinion