Retirement plan

VIRGIN ISLANDS ADVOCACY INCORPORATED 403(B) PLAN

Name: VIRGIN ISLANDS ADVOCACY, INC. - VIRGIN ISLANDS ADVOCACY INCORPORATED 403(B) PLAN (2025) Form 5500
Creator: VIRGIN ISLANDS ADVOCACY, INC.
License: https://www.dol.gov/general/disclaim
Keywords: Form 5500, ERISA, retirement plan, VIRGIN ISLANDS ADVOCACY INCORPORATED 403(B) PLAN, VIRGIN ISLANDS ADVOCACY, INC.

VIRGIN ISLANDS ADVOCACY, INC.EIN 66-0363251Plan #001PY 2025

63 ESTATE CANE CARLTON - FREDERIKSTED, VI 00840340-772-1200

Prospect flagsHigh feesLow participation

How to read this page

Total assets (EOY)

$582K

-10.9% from 2024

Total participants

-45.5% from 2024

Average account balance

$145,582

+78.3% from 2024

Annual return

13.58%

+3.42 pp from 2024

Benchmarks

See 48,836 peers

Peer group

Industry81 - Other Services (except Public Administration)

Plan typeDefined contribution

Participants<25

Cohort48,836 peers

Snapshot2025

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

Analytics

Total assets (EOY)

Plan-year ending balance

$582K

Not enough data

1 years with asset history on file

Average account balance

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

$146K

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.

66.7%

Not enough data

1 years with eligibility data

Contributions (total)

Employer and participant dollars contributed each year

$61K

Not enough data

1 years with contributions on file

Contributions per participant

Average employer and participant contribution per enrolled participant

$10K

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

+13.58%

Not enough data

1 years with return on file

Admin fee / account holder

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

$55231

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 codes2F2G2L2M2T3D

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.
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

OpportunityLow participation
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
OpportunityHigh fees
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)

Expense breakdown

Schedule H Part II

Admin total

$221K

$36821 / participant

Other / not subdivided$221K100.0%

% of EOY assets

37.938%

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

$145,582

$70,366+106.9%

$66,674+118.4%

$138,895+4.8%

Participation rate

66.7%

76.2%-9.5pp

73.7%-7.0pp

79.9%-13.3pp

Annual return

13.58%

386.41%-372.8pp

321.24%-307.7pp

145.39%-131.8pp

Employer contribution / active EE

$4,381

$2,765+58.4%

$2,620+67.2%

$4,194+4.4%

Participant deferral / active EE

$5,734

$4,374+31.1%

$4,084+40.4%

$6,396-10.3%

Admin fee / account holder

$55,231

$5,262+949.5%

$5,098+983.4%

$12,562+339.7%

VIRGIN ISLANDS ADVOCACY INCORPORATED 403(B) PLAN

Summary metrics

Benchmarksi

Analytics

Service providersi

Plan features & details

Opportunity flagsi

Expense breakdowni

Audit opinioni

VIRGIN ISLANDS ADVOCACY INCORPORATED 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