Retirement plan

OLPGN LIBRARY DEFINED CONTRIBUTION PLAN

Name: OLD LYME PHOEBE GRIFFIN NOYES LIBRARY ASSOCIATION INC. - OLPGN LIBRARY DEFINED CONTRIBUTION PLAN (2025) Form 5500
Creator: OLD LYME PHOEBE GRIFFIN NOYES LIBRARY ASSOCIATION INC.
License: https://www.dol.gov/general/disclaim
Keywords: Form 5500, ERISA, retirement plan, OLPGN LIBRARY DEFINED CONTRIBUTION PLAN, OLD LYME PHOEBE GRIFFIN NOYES LIBRARY ASSOCIATION INC.

OLD LYME PHOEBE GRIFFIN NOYES LIBRARY ASSOCIATION INC.EIN 23-7209074Plan #001PY 2025

2 LIBRARY LANE - OLD LYME, CT 06371860-434-1684

Prospect flagsHigh feesLow participant contributionLow fidelity bond

How to read this page

Total assets (EOY)

$1M

+13.7% from 2024

Total participants

+3.8% from 2024

Average account balance

$41,976

+9.1% from 2024

Annual return

11.25%

-3.18 pp from 2024

Benchmarks

See 2,731 peers

Peer group

Industry51 - Information

Plan typeDefined contribution

Participants<25

Cohort2,731 peers

Snapshot2025

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

Analytics

Total assets (EOY)

Plan-year ending balance

$1.05M

Not enough data

1 years with asset history on file

Average account balance

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

$42K

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.

250.0%

Not enough data

1 years with eligibility data

Contributions (total)

Employer and participant dollars contributed each year

$37K

Not enough data

1 years with contributions on file

Contributions per participant

Average employer and participant contribution per enrolled participant

$4K

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

+11.25%

Not enough data

1 years with return on file

Admin fee / account holder

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

$578

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 codes2L2G2F2T3D

Plan features

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.
2L
Code section 403(b)(1) arrangement
Plan uses a Code section 403(b)(1) annuity contract 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

3 tripped

OpportunityLow participant contribution
Participant contribution per participant is in the bottom quintile of the peer cohort.
OpportunityHigh fees
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
ComplianceLow fidelity bond
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).

Expense breakdown

Schedule H Part II

Admin total

$14K

$1445 / participant

Other / not subdivided$14K100.0%

% of EOY assets

1.377%

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

$41,976

$135,905-69.1%

$126,068-66.7%

$198,609-78.9%

Participation rate

80.0%

85.6%-5.6pp

84.7%-4.7pp

82.4%-2.4pp

Annual return

11.25%

14.07%-2.8pp

15.01%-3.8pp

202.70%-191.4pp

Employer contribution / active EE

$2,135

$4,245-49.7%

$3,968-46.2%

$5,055-57.8%

Participant deferral / active EE

$1,536

$8,523-82.0%

$8,214-81.3%

$6,977-78.0%

Admin fee / account holder

$578

$21,036-97.3%

$18,264-96.8%

$19,030-97.0%

OLPGN LIBRARY DEFINED CONTRIBUTION PLAN

Summary metrics

Benchmarksi

Analytics

Service providersi

Plan features & details

Opportunity flagsi

Expense breakdowni

Audit opinioni

OLPGN LIBRARY DEFINED CONTRIBUTION 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