Retirement plan

MULTICULTURAL COMMUNITY SERVICES OF THE PIONEER VALLEY, INC. RETIREMENT PLAN & TRUST

Name: MULTICULTURAL COMMUNITY SERVICES OF THE PIONEER VALLEY, INC. - MULTICULTURAL COMMUNITY SERVICES OF THE PIONEER VALLEY, INC. RETIREMENT PLAN & TRUST (2025) Form 5500
Creator: MULTICULTURAL COMMUNITY SERVICES OF THE PIONEER VALLEY, INC.
License: https://www.dol.gov/general/disclaim
Keywords: Form 5500, ERISA, retirement plan, MULTICULTURAL COMMUNITY SERVICES OF THE PIONEER VALLEY, INC. RETIREMENT PLAN & TRUST, MULTICULTURAL COMMUNITY SERVICES OF THE PIONEER VALLEY, INC.

MULTICULTURAL COMMUNITY SERVICES OF THE PIONEER VALLEY, INC.EIN 04-2667829Plan #001PY 2025

1000 WILBRAHAM RD - SPRINGFIELD, MA 011092050413-782-2500mcsnet.orgLinkedIn501-1000 employeesgovernment administration

Prospect flagsLow participation

How to read this page

Total assets (EOY)

$7.4M

+15.0% from 2024

Total participants

280

+3.7% from 2024

Average account balance

$45,222

+15.0% from 2024

Annual return

11.08%

+0.87 pp from 2024

Benchmarks

See 593 peers

Peer group

Industry62 - Health Care and Social Assistance

Plan typeDefined contribution

Participants250-999

Cohort593 peers

Snapshot2025

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

Analytics

Total assets (EOY)

Plan-year ending balance

$7.37M

Not enough data

1 years with asset history on file

Average account balance

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

$45K

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.

163

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.

58.2%

Not enough data

1 years with eligibility data

Contributions (total)

Employer and participant dollars contributed each year

$549K

Not enough data

1 years with contributions on file

Contributions per participant

Average employer and participant contribution per enrolled participant

$2K

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

+11.08%

Not enough data

1 years with return on file

Admin fee / account holder

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

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 4 by compensation

Provider	Service type	Compensation
NATIONWIDE9 years Service code 19 · EIN 31-1592130 ONE NATIONWIDE PLAZA · COLUMBUS, OH 43215	Securities Custodian	$71,953
ONE SOURCE FINANCIAL GROUP, INC.9 years Service code 13 PO BOX 730 · SUFFIELD, CT 06078	Contract Administrator	$7,395
JOHN S FITZGIBBONS, CPA PC9 years Filed as: JOHN S. FITZGIBBONS, CPA, PC Service code 10 · EIN 04-3249490 377 MONTGOMERY ST · CHICOPEE, MA 01020	Accounting	$0
STONEX SECURITIES INC1 year Filed as: STONEX FINANCIAL Service code 26 2 PERIMETER PARKWAY SOUTH · BIRMINGHAM, AL 35243	Advisory (Participants)	$0

Plan features & details

Pension benefit codes2E2F2G2J2K

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.
2K
Code section 401(m) arrangement
Employee contributions are allocated to separate accounts under the plan or employer contributions are based in whole or in part on employee deferrals or contributions to the plan. Not applicable to 401(k) plans with only QNECs and/or QMACs or to 403(b)(1) 403(b)(7) or 408 arrangements.

Opportunity flags

1 tripped

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

Audit opinion

Schedule H Part III

Qualified opinion

Opinion is qualified - a specific issue limited the scope or accuracy of the audit.

Auditor firm: JOHN S. FITZGIBBONS, CPA PC
Auditor EIN: 043249490
Audit fees: (not subdivided)
Opinion code: Qualified

Metric

This plan

Peer set

Industry

Size

Avg account balance

$45,222

$36,002+25.6%

$161,489-72.0%

$64,728-30.1%

Participation rate

58.2%

57.4%+0.8pp

78.7%-20.5pp

57.9%+0.3pp

Annual return

11.08%

33.93%-22.9pp

89.72%-78.6pp

49.38%-38.3pp

Employer contribution / active EE

$466

$1,380-66.2%

$4,268-89.1%

$2,243-79.2%

Participant deferral / active EE

$1,496

$1,815-17.6%

$5,630-73.4%

$2,729-45.2%

Admin fee / account holder

$931-100.0%

$16,006-100.0%

$1,145-100.0%

Provider

Service type

Compensation

NATIONWIDE9 years

Service code 19 · EIN 31-1592130

ONE NATIONWIDE PLAZA · COLUMBUS, OH 43215

Securities Custodian

$71,953

ONE SOURCE FINANCIAL GROUP, INC.9 years

Service code 13

PO BOX 730 · SUFFIELD, CT 06078

Contract Administrator

$7,395

JOHN S FITZGIBBONS, CPA PC9 years

Filed as: JOHN S. FITZGIBBONS, CPA, PC

Service code 10 · EIN 04-3249490

377 MONTGOMERY ST · CHICOPEE, MA 01020

Accounting

STONEX SECURITIES INC1 year

Filed as: STONEX FINANCIAL

Service code 26

2 PERIMETER PARKWAY SOUTH · BIRMINGHAM, AL 35243

Advisory (Participants)

MULTICULTURAL COMMUNITY SERVICES OF THE PIONEER VALLEY, INC. RETIREMENT PLAN & TRUST

Summary metrics

Benchmarksi

Analytics

Service providersi

Plan features & details

Opportunity flagsi

Audit opinioni

MULTICULTURAL COMMUNITY SERVICES OF THE PIONEER VALLEY, INC. RETIREMENT PLAN & TRUST

Summary metrics

Benchmarksi

Analytics

Service providersi

Plan features & details

Opportunity flagsi

Audit opinioni

Benchmarks

Service providers

Opportunity flags

Audit opinion

Benchmarks

Service providers

Opportunity flags

Audit opinion