Retirement plan

403(B) THRIFT PLAN OF UNITED WAY OF NORTHWEST VERMONT, INC.

Name: UNITED WAY OF NORTHWEST VERMONT, IN C. - 403(B) THRIFT PLAN OF UNITED WAY OF NORTHWEST VERMONT, INC. (2017) Form 5500
Creator: UNITED WAY OF NORTHWEST VERMONT, IN C.
License: https://www.dol.gov/general/disclaim
Keywords: Form 5500, ERISA, retirement plan, 403(B) THRIFT PLAN OF UNITED WAY OF NORTHWEST VERMONT, INC., UNITED WAY OF NORTHWEST VERMONT, IN C.

UNITED WAY OF NORTHWEST VERMONT, IN C.EIN 03-0217229Plan #001PY 2017

412 FARRELL ST STE 200 - BURLINGTON, MA 01803802-864-7541unitedwaynwvt.orgLinkedIn11-50 employeesnon-profit organization management

Prospect flagsLow returnsHigh fees

How to read this page

Total assets (EOY)

$1.4M

+15.2% from 2016

Total participants

+6.7% from 2016

Average account balance

$45,451

+15.2% from 2016

Annual return

12.18%

+10.35 pp from 2016

Benchmarks

See 7,912 peers

Peer group

Industry81 - Other Services (except Public Administration)

Plan typeDefined contribution

Participants25-99

Cohort7,912 peers

Snapshot2017

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

Analytics

Total assets (EOY)

Plan-year ending balance

$2.34M

Not enough data

1 years with asset history on file

Average account balance

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

$48K

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.

144.1%

Not enough data

1 years with eligibility data

Contributions (total)

Employer and participant dollars contributed each year

$213K

Not enough data

1 years with contributions on file

Contributions per participant

Average employer and participant contribution per enrolled participant

$6K

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

+9.78%

Not enough data

1 years with return on file

Admin fee / account holder

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

$2106

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 codes2F2T

Plan features

2F
ERISA section 404(c) plan
This plan or any part of it is intended to meet the conditions of 29 CFR 2550.404c-1 (shifting investment responsibility to participants).
2T
Default investment account
Total or partial participant-directed account plan where plan uses a default investment account for participants who fail to direct assets in their account.

Opportunity flags

2 tripped

OpportunityHigh fees
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
OpportunityLow returns
Annual investment return is in the bottom quintile of the peer cohort.

Expense breakdown

Schedule H Part II

Admin total

$91K

$3515 / participant

Other / not subdivided$91K100.0%

% of EOY assets

6.703%

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

$45,451

$53,128-14.4%

$86,582-47.5%

$70,126-35.2%

Participation rate

92.3%

65.3%+27.0pp

73.5%+18.8pp

69.5%+22.8pp

Annual return

12.18%

27.66%-15.5pp

965.08%-952.9pp

73.15%-61.0pp

Employer contribution / active EE

$2,222

$2,068+7.4%

$2,839-21.8%

$2,343-5.2%

Participant deferral / active EE

$2,654

$2,695-1.5%

$3,609-26.4%

$3,332-20.3%

Admin fee / account holder

$3,047

$3,584-15.0%

$4,904-37.9%

$4,645-34.4%

403(B) THRIFT PLAN OF UNITED WAY OF NORTHWEST VERMONT, INC.

Summary metrics

Benchmarksi

Analytics

Service providersi

Plan features & details

Opportunity flagsi

Expense breakdowni

Audit opinioni

403(B) THRIFT PLAN OF UNITED WAY OF NORTHWEST VERMONT, INC.

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