Retirement plan

PATHWAYS OF THE RIVER VALLEY 403(B) PLAN

Name: DEVELOPMENTAL SERVICES OF SULLIVAN COUNTY DBA PATHWAYS OF THE RIVER VA - PATHWAYS OF THE RIVER VALLEY 403(B) PLAN (2018) Form 5500
Creator: DEVELOPMENTAL SERVICES OF SULLIVAN COUNTY DBA PATHWAYS OF THE RIVER VA
License: https://www.dol.gov/general/disclaim
Keywords: Form 5500, ERISA, retirement plan, PATHWAYS OF THE RIVER VALLEY 403(B) PLAN, DEVELOPMENTAL SERVICES OF SULLIVAN COUNTY DBA PATHWAYS OF THE RIVER VA

DEVELOPMENTAL SERVICES OF SULLIVAN COUNTY DBA PATHWAYS OF THE RIVER VAEIN 23-7291410Plan #001PY 2018

654 MAIN STREET - CLAREMONT, NH 037434636603-542-8706

Prospect flagsLow participationCorrective distributions

How to read this page

Total assets (EOY)

$2.5M

+0.4% from 2017

Total participants

199

+0.5% from 2017

Average account balance

$25,605

-9.7% from 2017

Annual return

6.55%

-2.63 pp from 2017

Benchmarks

See 5,259 peers

Peer group

Industry62 - Health Care and Social Assistance

Plan typeDefined contribution

Participants100-249

Cohort5,259 peers

Snapshot2018

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

Analytics

Total assets (EOY)

Plan-year ending balance

$3.89M

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.

47.3%

Not enough data

1 years with eligibility data

Contributions (total)

Employer and participant dollars contributed each year

$157K

Not enough data

1 years with contributions on file

Contributions per participant

Average employer and participant contribution per enrolled participant

$1K

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

+10.01%

Not enough data

1 years with return on file

Admin fee / account holder

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

$921

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

Top 1 by compensation

Provider	Service type	Compensation
CPI QUALIFIED PLAN CONSULTANTS, INC1 year Service code 15 · EIN 48-1205033	Recordkeeping	$15,749

Plan features & details

Pension benefit codes2E2F2G2J2M2T

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.
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.

Opportunity flags

2 tripped

OpportunityLow participation
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
ComplianceCorrective distributions
Plan reported corrective distributions (failed ADP/ACP testing).

Expense breakdown

Schedule H Part II

Admin total

$16K

$109 / participant

Contract admin$16K100.0%

% of EOY assets

0.621%

all-in expense ratio

Categories reported

1 / 9

subdivided buckets used

Audit opinion

Schedule H Part III

Disclaimer opinion

Auditor declined to express an opinion - usually a 103(a)(3)(C) limited-scope election.

Auditor firm: LEONE, MCDONNELL & ROBERTS
Auditor EIN: 020417217
Audit fees: (not subdivided)
Opinion code: Disclaimer

Metric

This plan

Peer set

Industry

Size

Avg account balance

$25,605

$47,977-46.6%

$154,108-83.4%

$56,289-54.5%

Participation rate

31.0%

66.2%-35.1pp

83.0%-52.0pp

69.9%-38.8pp

Annual return

6.55%

3.54%+3.0pp

735.21%-728.7pp

-9.96%+16.5pp

Employer contribution / active EE

$462

$2,169-78.7%

$5,298-91.3%

$2,111-78.1%

Participant deferral / active EE

$867

$2,392-63.7%

$5,081-82.9%

$3,350-74.1%

Admin fee / account holder

$159

$438-63.7%

$13,411-98.8%

$521-69.5%

Provider

Service type

Compensation

CPI QUALIFIED PLAN CONSULTANTS, INC1 year

Service code 15 · EIN 48-1205033

Recordkeeping

$15,749

PATHWAYS OF THE RIVER VALLEY 403(B) PLAN

Summary metrics

Benchmarksi

Analytics

Service providersi

Plan features & details

Opportunity flagsi

Expense breakdowni

Audit opinioni

PATHWAYS OF THE RIVER VALLEY 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