Retirement plan

VICTORY PROGRAMS, INC. INCENTIVE PLAN

Name: VICTORY PROGRAMS, INC. - VICTORY PROGRAMS, INC. INCENTIVE PLAN (2025) Form 5500
Creator: VICTORY PROGRAMS, INC.
License: https://www.dol.gov/general/disclaim
Keywords: Form 5500, ERISA, retirement plan, VICTORY PROGRAMS, INC. INCENTIVE PLAN, VICTORY PROGRAMS, INC.

VICTORY PROGRAMS, INC.EIN 04-2575322Plan #001PY 2025

404 S. HUNTINGTON AVENUE - BOSTON, MA 02130617-541-0222vpi.orgLinkedIn51-200 employeesindividual & family services

Prospect flagsLow participation

How to read this page

Total assets (EOY)

$5M

+17.1% from 2024

Total participants

309

+10.0% from 2024

Average account balance

$24,770

+2.0% from 2024

Annual return

11.68%

-2.08 pp from 2024

Benchmarks

See 994 peers

Peer group

Industry62 - Health Care and Social Assistance

Plan typeDefined contribution

Participants100-249

Cohort994 peers

Snapshot2025

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

Analytics

Total assets (EOY)

Plan-year ending balance

$4.98M

Not enough data

1 years with asset history on file

Average account balance

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

$25K

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.

201

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.

50.0%

Not enough data

1 years with eligibility data

Contributions (total)

Employer and participant dollars contributed each year

$634K

Not enough data

1 years with contributions on file

Contributions per participant

Average employer and participant contribution per enrolled participant

$3K

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

+11.68%

Not enough data

1 years with return on file

Admin fee / account holder

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

$37

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

1 years with F_SCH_H allocation on file

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

Service providers

Top 2 by compensation

Provider	Service type	Compensation
DEFINITI LLC3 years Filed as: DEFINITI, LLC Service code 49 · EIN 85-0833363	Other Services	$0
MORNINGSTAR4 years Service code 27 · EIN 36-3297908	Advisory (Plan)	$0

Plan features & details

Pension benefit codes2E2F2G2J2T3D

Plan features

2E
Profit-sharing
Profit-sharing plan.
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).
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.
2J
Code section 401(k) feature
Cash or deferred arrangement described in Code section 401(k) that is part of a qualified defined contribution plan under which employees may elect to defer part of their compensation or receive these amounts in cash.
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.
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

1 tripped

OpportunityLow participation
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.

Expense breakdown

Schedule H Part II

Admin total

$7K

$34 / participant

Contract admin$7K89.8%
Other / not subdivided$75010.2%

% of EOY assets

0.148%

all-in expense ratio

Categories reported

1 / 9

subdivided buckets used

Audit opinion

Schedule H Part III

Unqualified opinion

Auditor signed off without reservation - the cleanest possible opinion.

Auditor firm: CITRIN COOPERMAN
Auditor EIN: 222428965
Audit fees: (not subdivided)
Opinion code: Unqualified

Metric

This plan

Peer set

Industry

Size

Avg account balance

$24,770

$43,749-43.4%

$158,223-84.3%

$65,306-62.1%

Participation rate

50.0%

56.9%-6.9pp

79.2%-29.2pp

57.7%-7.7pp

Annual return

11.68%

19.41%-7.7pp

52.09%-40.4pp

21.94%-10.3pp

Employer contribution / active EE

$965

$1,497-35.6%

$4,109-76.5%

$1,967-50.9%

Participant deferral / active EE

$1,970

$2,019-2.4%

$5,467-64.0%

$2,959-33.4%

Admin fee / account holder

$37

$1,930-98.1%

$16,047-99.8%

$3,480-98.9%

Provider

Service type

Compensation

DEFINITI LLC3 years

Filed as: DEFINITI, LLC

Service code 49 · EIN 85-0833363

Other Services

MORNINGSTAR4 years

Service code 27 · EIN 36-3297908

Advisory (Plan)

VICTORY PROGRAMS, INC. INCENTIVE PLAN

Summary metrics

Benchmarksi

Analytics

Service providersi

Plan features & details

Opportunity flagsi

Expense breakdowni

Audit opinioni

VICTORY PROGRAMS, INC. INCENTIVE 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