Retirement plan

PENNSYLVANIA COUNSELING SERVICES, INC. PROFIT SHARING 401(K) PLAN

Name: PENNSYLVANIA COUNSELING SERVICES, INC. - PENNSYLVANIA COUNSELING SERVICES, INC. PROFIT SHARING 401(K) PLAN (2024) Form 5500
Creator: PENNSYLVANIA COUNSELING SERVICES, INC.
License: https://www.dol.gov/general/disclaim
Keywords: Form 5500, ERISA, retirement plan, PENNSYLVANIA COUNSELING SERVICES, INC. PROFIT SHARING 401(K) PLAN, PENNSYLVANIA COUNSELING SERVICES, INC.

PENNSYLVANIA COUNSELING SERVICES, INC.EIN 25-1776663Plan #001PY 2024

200 N. 7TH STREET - LEBANON, PA 17046717-272-7690pacounseling.comLinkedIn501-1000 employeesmental health care

Prospect flagsLow participationLow employer contributionCorrective distributions

How to read this page

Total assets (EOY)

$15.1M

+12.8% from 2023

Total participants

478

+0.8% from 2023

Average account balance

$53,138

+12.4% from 2023

Annual return

13.91%

-3.29 pp from 2023

Benchmarks

See 4,117 peers

Peer group

Industry62 - Health Care and Social Assistance

Plan typeDefined contribution

Participants250-999

Cohort4,117 peers

Snapshot2024

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

Analytics

Total assets (EOY)

Plan-year ending balance

$15.14M

Not enough data

1 years with asset history on file

Average account balance

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

$53K

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.

285

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.

48.8%

Not enough data

1 years with eligibility data

Contributions (total)

Employer and participant dollars contributed each year

$742K

Not enough data

1 years with contributions on file

Contributions per participant

Average employer and participant contribution per enrolled participant

$2K

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

+13.91%

Not enough data

1 years with return on file

Admin fee / account holder

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

$122

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

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

Service providers

Top 3 by compensation

Provider	Service type	Compensation
OSAIC WEALTH INC1 year Service code 27 10 EXCHANGE PLACE · JERSEY CITY, NJ 07302	Advisory (Plan)	$20,619
RKL LLP5 years Service code 10 · EIN 23-2108173	Accounting	$9,850
EPIC RETIREMENT PLAN SERVICES5 years Filed as: CAPTIAL GROUP RETIREMENT PLAN SVCS Service code 64 6455 IRVINE CENTER DRIVE · IRVINE, CA 92618	Recordkeeping Fees	$4,387

Plan features & details

Pension benefit codes2E2G2J2K3D3H

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.
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.
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.
3H
Controlled group member
Plan sponsor(s) is (are) a member(s) of a controlled group (Code sections 414(b) (c) or (m)).

Opportunity flags

3 tripped

OpportunityLow participation
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
OpportunityLow employer contribution
Employer contribution per participant is in the bottom quintile of the peer cohort.
ComplianceCorrective distributions
Plan reported corrective distributions (failed ADP/ACP testing).

Expense breakdown

Schedule H Part II

Admin total

$35K

$92 / participant

Investment mgmt$21K59.2%
Contract admin$4K12.6%
Other / not subdivided$10K28.3%

% of EOY assets

0.230%

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: RKL LLP
Auditor EIN: 232108173
Audit fees: $9,850
Opinion code: Unqualified

Metric

This plan

Peer set

Industry

Size

Avg account balance

$53,138

$50,902+4.4%

$155,534-65.8%

$77,736-31.6%

Participation rate

48.8%

63.1%-14.3pp

78.2%-29.4pp

70.6%-21.8pp

Annual return

13.91%

34.85%-20.9pp

64.92%-51.0pp

31.26%-17.3pp

Employer contribution / active EE

$116

$1,991-94.2%

$4,675-97.5%

$2,728-95.7%

Participant deferral / active EE

$1,852

$2,824-34.4%

$5,630-67.1%

$4,651-60.2%

Admin fee / account holder

$122

$437-72.0%

$15,900-99.2%

$433-71.8%

Provider

Service type

Compensation

OSAIC WEALTH INC1 year

Service code 27

10 EXCHANGE PLACE · JERSEY CITY, NJ 07302

Advisory (Plan)

$20,619

RKL LLP5 years

Service code 10 · EIN 23-2108173

Accounting

$9,850

EPIC RETIREMENT PLAN SERVICES5 years

Filed as: CAPTIAL GROUP RETIREMENT PLAN SVCS

Service code 64

6455 IRVINE CENTER DRIVE · IRVINE, CA 92618

Recordkeeping Fees

$4,387

PENNSYLVANIA COUNSELING SERVICES, INC. PROFIT SHARING 401(K) PLAN

Summary metrics

Benchmarksi

Analytics

Service providersi

Plan features & details

Opportunity flagsi

Expense breakdowni

Audit opinioni

PENNSYLVANIA COUNSELING SERVICES, INC. PROFIT SHARING 401(K) 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