Retirement plan

403(B) THRIFT PLAN FOR EMPLOYEES OF DUTCHESS LAND CONSERVANCY, INC.

Name: DUTCHESS LAND CONSERVANCY, INC. - 403(B) THRIFT PLAN FOR EMPLOYEES OF DUTCHESS LAND CONSERVANCY, INC. (2025) Form 5500
Creator: DUTCHESS LAND CONSERVANCY, INC.
License: https://www.dol.gov/general/disclaim
Keywords: Form 5500, ERISA, retirement plan, 403(B) THRIFT PLAN FOR EMPLOYEES OF DUTCHESS LAND CONSERVANCY, INC., DUTCHESS LAND CONSERVANCY, INC.

DUTCHESS LAND CONSERVANCY, INC.EIN 14-1667526Plan #002PY 2025

PO BOX 138 - MILLBROOK, NY 125450138845-677-3002dutchessland.orgLinkedIn11-50 employeesenvironmental services

Prospect flagsLow returnsHigh fees

How to read this page

Total assets (EOY)

$2.1M

+4.2% from 2024

Total participants

-9.5% from 2024

Average account balance

$110,878

+9.7% from 2024

Annual return

10.67%

-12.32 pp from 2024

Benchmarks

See 97,882 peers

Peer group

Industry54 - Professional, Scientific, and Technical Services

Plan typeDefined contribution

Participants<25

Cohort97,882 peers

Snapshot2025

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

Analytics

Total assets (EOY)

Plan-year ending balance

$2.11M

Not enough data

1 years with asset history on file

Average account balance

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

$111K

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.

126.7%

Not enough data

1 years with eligibility data

Contributions (total)

Employer and participant dollars contributed each year

$205K

Not enough data

1 years with contributions on file

Contributions per participant

Average employer and participant contribution per enrolled participant

$14K

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

+10.67%

Not enough data

1 years with return on file

Admin fee / account holder

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

$17688

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 codes2G3D2J2E2T

Plan features

2E
Profit-sharing
Profit-sharing plan.
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

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

$336K

$22405 / participant

Other / not subdivided$336K100.0%

% of EOY assets

15.953%

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

$110,878

$156,398-29.1%

$147,318-24.7%

$138,895-20.2%

Participation rate

100.0%

83.8%+16.2pp

82.1%+17.9pp

79.9%+20.1pp

Annual return

10.67%

78.75%-68.1pp

70.43%-59.8pp

145.39%-134.7pp

Employer contribution / active EE

$2,393

$4,853-50.7%

$4,593-47.9%

$4,194-42.9%

Participant deferral / active EE

$11,252

$8,237+36.6%

$7,906+42.3%

$6,396+75.9%

Admin fee / account holder

$17,688

$14,976+18.1%

$13,708+29.0%

$12,562+40.8%

403(B) THRIFT PLAN FOR EMPLOYEES OF DUTCHESS LAND CONSERVANCY, INC.

Summary metrics

Benchmarksi

Analytics

Service providersi

Plan features & details

Opportunity flagsi

Expense breakdowni

Audit opinioni

403(B) THRIFT PLAN FOR EMPLOYEES OF DUTCHESS LAND CONSERVANCY, 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