Retirement plan

B/S/S/T AAA 401(K) PLAN

Name: THE AREA AGENCY ON AGING FOR THE COUNTIES OF BRADFORD, SULLIVAN, - B/S/S/T AAA 401(K) PLAN (2025) Form 5500
Creator: THE AREA AGENCY ON AGING FOR THE COUNTIES OF BRADFORD, SULLIVAN,
License: https://www.dol.gov/general/disclaim
Keywords: Form 5500, ERISA, retirement plan, B/S/S/T AAA 401(K) PLAN, THE AREA AGENCY ON AGING FOR THE COUNTIES OF BRADFORD, SULLIVAN,

THE AREA AGENCY ON AGING FOR THE COUNTIES OF BRADFORD, SULLIVAN,EIN 27-1773562Plan #001PY 2025

220 MAIN STREET UNIT 2 - TOWANDA, PA 18848570-265-6121bsstaaa.orgLinkedIn51-200 employeesindividual & family services

Prospect flagsLow returnsHigh fees

How to read this page

Total assets (EOY)

$1.9M

-10.0% from 2024

Total participants

-11.6% from 2024

Average account balance

$33,690

-5.2% from 2024

Annual return

11.60%

+5.56 pp from 2024

Benchmarks

See 12,994 peers

Peer group

Industry62 - Health Care and Social Assistance

Plan typeDefined contribution

Participants25-99

Cohort12,994 peers

Snapshot2025

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

Analytics

Total assets (EOY)

Plan-year ending balance

$1.92M

Not enough data

1 years with asset history on file

Average account balance

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

$34K

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.

154.1%

Not enough data

1 years with eligibility data

Contributions (total)

Employer and participant dollars contributed each year

$137K

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

+11.60%

Not enough data

1 years with return on file

Admin fee / account holder

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

$10672

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 codes2E2F2G2J2T3D

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.
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

$608K

$16441 / participant

Other / not subdivided$608K100.0%

% of EOY assets

31.678%

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

$33,690

$75,541-55.4%

$152,093-77.8%

$82,637-59.2%

Participation rate

89.2%

66.5%+22.7pp

77.8%+11.4pp

68.1%+21.1pp

Annual return

11.60%

32.56%-21.0pp

66.36%-54.8pp

53.51%-41.9pp

Employer contribution / active EE

$2,375

$2,622-9.4%

$4,175-43.1%

$2,552-6.9%

Participant deferral / active EE

$1,315

$3,206-59.0%

$5,451-75.9%

$4,126-68.1%

Admin fee / account holder

$10,672

$6,405+66.6%

$14,497-26.4%

$7,339+45.4%

B/S/S/T AAA 401(K) PLAN

Summary metrics

Benchmarksi

Analytics

Service providersi

Plan features & details

Opportunity flagsi

Expense breakdowni

Audit opinioni

B/S/S/T AAA 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