Retirement plan

OFFICE OF PUBLIC GUARDIAN 403(B) PLAN

Name: OFFICE OF PUBLIC GUARDIAN - OFFICE OF PUBLIC GUARDIAN 403(B) PLAN (2023) Form 5500
Creator: OFFICE OF PUBLIC GUARDIAN
License: https://www.dol.gov/general/disclaim
Keywords: Form 5500, ERISA, retirement plan, OFFICE OF PUBLIC GUARDIAN 403(B) PLAN, OFFICE OF PUBLIC GUARDIAN

OFFICE OF PUBLIC GUARDIANEIN 22-2474801Plan #001PY 2023

2 PILLSBURY ST STE 400 - CONCORD, NH 03301603-224-8041

Prospect flagsLow returnsHigh fees

How to read this page

Total assets (EOY)

$4.7M

+12.0% from 2022

Total participants

+5.8% from 2022

Average account balance

$69,484

-6.1% from 2022

Annual return

11.35%

+25.23 pp from 2022

Benchmarks

See 20,801 peers

Peer group

Industry62 - Health Care and Social Assistance

Plan typeDefined contribution

Participants25-99

Cohort20,801 peers

Snapshot2023

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

Analytics

Total assets (EOY)

Plan-year ending balance

$5.34M

Not enough data

1 years with asset history on file

Average account balance

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

$73K

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.

146.0%

Not enough data

1 years with eligibility data

Contributions (total)

Employer and participant dollars contributed each year

$436K

Not enough data

1 years with contributions on file

Contributions per participant

Average employer and participant contribution per enrolled participant

$9K

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

+9.65%

Not enough data

1 years with return on file

Admin fee / account holder

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

$10927

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 codes2G2L2M2T3D

Plan features

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.
2L
Code section 403(b)(1) arrangement
Plan uses a Code section 403(b)(1) annuity contract as a funding vehicle.
2M
Code section 403(b)(7) accounts
Plan uses Code section 403(b)(7) custodial accounts as a funding vehicle.
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

$362K

$7102 / participant

Other / not subdivided$362K100.0%

% of EOY assets

7.666%

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

$69,484

$77,908-10.8%

$149,696-53.6%

$75,173-7.6%

Participation rate

90.2%

65.6%+24.6pp

78.8%+11.4pp

67.2%+23.0pp

Annual return

11.35%

31.73%-20.4pp

134.46%-123.1pp

160.72%-149.4pp

Employer contribution / active EE

$2,625

$3,138-16.3%

$4,821-45.6%

$2,671-1.7%

Participant deferral / active EE

$4,687

$3,411+37.4%

$5,682-17.5%

$4,126+13.6%

Admin fee / account holder

$5,327

$5,950-10.5%

$13,212-59.7%

$5,651-5.7%

OFFICE OF PUBLIC GUARDIAN 403(B) PLAN

Summary metrics

Benchmarksi

Analytics

Service providersi

Plan features & details

Opportunity flagsi

Expense breakdowni

Audit opinioni

OFFICE OF PUBLIC GUARDIAN 403(B) 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