Retirement plan

THE ARC OF UNION COUNTY, INC. RETIREMENT PLAN

Name: THE ARC OF UNION COUNTY, INC. - THE ARC OF UNION COUNTY, INC. RETIREMENT PLAN (2017) Form 5500
Creator: THE ARC OF UNION COUNTY, INC.
License: https://www.dol.gov/general/disclaim
Keywords: Form 5500, ERISA, retirement plan, THE ARC OF UNION COUNTY, INC. RETIREMENT PLAN, THE ARC OF UNION COUNTY, INC.

THE ARC OF UNION COUNTY, INC.EIN 22-1686764Plan #001PY 2017

70 DIAMOND ROAD - SPRINGFIELD, NJ 070813119973-315-0005arcunion.orgLinkedIn501-1000 employeesindividual & family services

Prospect flagsLow assets / participantFailed to transmit contributionsCorrective distributions

Top hat statement on fileNQDC

Filed December 5, 2025

Plan administrator

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70 Diamond Road

Springfield, NJ 07081

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Plans declared (1)

The Arc of Union County, Inc. 457(b) Plan8 emp

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Total assets (EOY)

$6.7M

+5.9% from 2016

Total participants

644

-8.4% from 2016

Average account balance

$10,401

+15.5% from 2016

Annual return

13.05%

+2.91 pp from 2016

Benchmarks

See 3,813 peers

Peer group

Industry62 - Health Care and Social Assistance

Plan typeDefined contribution

Participants250-999

Cohort3,813 peers

Snapshot2017

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

Analytics

Total assets (EOY)

Plan-year ending balance

$13.55M

Not enough data

1 years with asset history on file

Average account balance

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

$15K

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.

918

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.

100.0%

Not enough data

1 years with eligibility data

Contributions (total)

Employer and participant dollars contributed each year

$1.08M

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

+11.21%

Not enough data

1 years with return on file

Admin fee / account holder

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

$41

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

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Service providers

Top 6 by compensation

Provider	Service type	Compensation
NATIONWIDE2 years Filed as: NATIONWIDE LIFE INSURANCE Service code 26 · EIN 31-4156830	Advisory (Participants)	$44,368
WITHUMSMITH+BROWN, PC3+ years Filed as: WITHUM SMITH & BROWN Service code 10 · EIN 22-2027092	Accounting	$23,286
PALMIERI & EISENBERG2 years Filed as: PALMIERI & EIDENBERG Service code 29 · EIN 22-3243326	Legal	$16,883
IRON-CO-FID-COMPREHENSIVE1 year Service code 28 · EIN 26-2409128	Investment Management	$5,130
NATIONWIDE1 year Filed as: NATIONWIDE LIFE INSURANCE CO Service code 22	Insurance Broker	$4,253
PLANNED FINANCIAL PROGRAMS1 year Service code 13 · EIN 22-1914735 461 SOMERSET STREET · NORTH PLAINFIELD, NJ 07060	Contract Administrator	$3,190

Plan features & details

Pension benefit codes2E2F2G2J2K2S2T3D

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.
2S
Automatic enrollment
Plan provides for automatic enrollment in plan that has elective contributions deducted from payroll.
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

3 tripped

OpportunityLow assets / participant
Assets per participant are in the bottom quintile of the peer cohort - savings-rate / match opportunity.
ComplianceFailed to transmit contributions
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
ComplianceCorrective distributions
Plan reported corrective distributions (failed ADP/ACP testing).

Expense breakdown

Schedule H Part II

Admin total

$93K

$178 / participant

Investment mgmt$5K5.5%
Contract admin$44K47.8%
Other / not subdivided$43K46.7%

% of EOY assets

1.386%

all-in expense ratio

Categories reported

2 / 9

subdivided buckets used

Audit opinion

Schedule H Part III

Unqualified opinion

Auditor signed off without reservation - the cleanest possible opinion.

Auditor firm: WITHUMSMITH & BROWN PC
Auditor EIN: 222027092
Audit fees: (not subdivided)
Opinion code: Unqualified

Metric

This plan

Peer set

Industry

Size

Avg account balance

$10,401

$46,173-77.5%

$170,439-93.9%

$69,631-85.1%

Participation rate

100.0%

63.9%+36.1pp

83.6%+16.4pp

70.7%+29.3pp

Annual return

13.05%

21.62%-8.6pp

205.94%-192.9pp

27571.02%-27558.0pp

Employer contribution / active EE

$1,610-100.0%

$5,433-100.0%

$2,032-100.0%

Participant deferral / active EE

$746

$2,080-64.2%

$4,939-84.9%

$3,224-76.9%

Admin fee / account holder

$144

$116+24.3%

$13,881-99.0%

$110+30.6%

Provider

Service type

Compensation

NATIONWIDE2 years

Filed as: NATIONWIDE LIFE INSURANCE

Service code 26 · EIN 31-4156830

Advisory (Participants)

$44,368

WITHUMSMITH+BROWN, PC3+ years

Filed as: WITHUM SMITH & BROWN

Service code 10 · EIN 22-2027092

Accounting

$23,286

PALMIERI & EISENBERG2 years

Filed as: PALMIERI & EIDENBERG

Service code 29 · EIN 22-3243326

Legal

$16,883

IRON-CO-FID-COMPREHENSIVE1 year

Service code 28 · EIN 26-2409128

Investment Management

$5,130

NATIONWIDE1 year

Filed as: NATIONWIDE LIFE INSURANCE CO

Service code 22

Insurance Broker

$4,253

PLANNED FINANCIAL PROGRAMS1 year

Service code 13 · EIN 22-1914735

461 SOMERSET STREET · NORTH PLAINFIELD, NJ 07060

Contract Administrator

$3,190

THE ARC OF UNION COUNTY, INC. RETIREMENT PLAN

Top hat statement on fileNQDC

Plan administrator

Plans declared (1)

Summary metrics

Benchmarksi

Analytics

Service providersi

Plan features & details

Opportunity flagsi

Expense breakdowni

Audit opinioni

THE ARC OF UNION COUNTY, INC. RETIREMENT PLAN

Top hat statement on fileNQDC

Plan administrator

Plans declared (1)

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