Retirement plan

ST. BERNARD'S HIGH SCHOOL 403(B) PLAN

Name: ST. BERNARD'S HIGH SCHOOL - ST. BERNARD'S HIGH SCHOOL 403(B) PLAN (2025) Form 5500
Creator: ST. BERNARD'S HIGH SCHOOL
License: https://www.dol.gov/general/disclaim
Keywords: Form 5500, ERISA, retirement plan, ST. BERNARD'S HIGH SCHOOL 403(B) PLAN, ST. BERNARD'S HIGH SCHOOL

ST. BERNARD'S HIGH SCHOOLEIN 84-3653545Plan #001PY 2025

45 HARVARD STREET - FITCHBURG, MA 01420978-342-3212stbernardshighschool.orgLinkedIn11-50 employeesprimary/secondary education

Prospect flagsLow participationLow fidelity bond

How to read this page

Total assets (EOY)

$215K

+46.5% from 2024

Total participants

+30.0% from 2024

Average account balance

$16,562

+24.0% from 2024

Annual return

13.29%

-2.86 pp from 2024

Benchmarks

See 7,240 peers

Peer group

Industry61 - Educational Services

Plan typeDefined contribution

Participants<25

Cohort7,240 peers

Snapshot2025

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

Analytics

Total assets (EOY)

Plan-year ending balance

$215K

Not enough data

1 years with asset history on file

Average account balance

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

$17K

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.

54.2%

Not enough data

1 years with eligibility data

Contributions (total)

Employer and participant dollars contributed each year

$49K

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

+13.29%

Not enough data

1 years with return on file

Admin fee / account holder

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

$107

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.
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

$1K

$58 / participant

Other / not subdivided$1K100.0%

% of EOY assets

0.644%

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

$16,562

$68,097-75.7%

$62,929-73.7%

$137,256-87.9%

Participation rate

45.8%

77.4%-31.6pp

73.1%-27.3pp

80.0%-34.1pp

Annual return

13.29%

1859.11%-1845.8pp

1063.93%-1050.6pp

220.34%-207.0pp

Employer contribution / active EE

$614

$2,811-78.2%

$2,505-75.5%

$4,156-85.2%

Participant deferral / active EE

$1,440

$4,553-68.4%

$3,888-63.0%

$6,407-77.5%

Admin fee / account holder

$107

$6,521-98.4%

$5,065-97.9%

$12,270-99.1%

ST. BERNARD'S HIGH SCHOOL 403(B) PLAN

Summary metrics

Benchmarksi

Analytics

Service providersi

Plan features & details

Opportunity flagsi

Expense breakdowni

Audit opinioni

ST. BERNARD'S HIGH SCHOOL 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