Berkshire County Arc, Inc. 401(k) Review & Grade
403(b) Thrift Plan of Berkshire County Arc, Inc.
Pittsfield, MAOther Services1,628 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$1,229Employer $ per active participant
$384Employee $ saved per active participant
0.12%Direct admin cost, % of plan assets
$18.9MNet plan assets, end of year
$19,069Average balance per account
Score breakdown
- Employer generosity24.5 / 5049th percentile for employer $ per participant
- Low cost17.5 / 2570th percentile for low admin cost vs. same-size plans
- Employee saving1.1 / 158th percentile for employee $ per participant
- Plan features3 / 10Default investment
Total score46 / 100 · Grade C
This plan vs. peers
Peers: Other Services plans with 500–2,499 active participants (333 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 49th |
| Lower admin cost | 70th |
| Employee saving | 8th |
| Peers that auto-enroll | 40% |
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Red flags from the filing
No red flags were reported on this filing's compliance questions.
What to do if you're in this plan
- Berkshire County Arc put in about $1,229 per active participant, below the typical peer ($1,257). Any match is still an instant return, so contribute enough to get all of it.
- The filing shows total dollars, not the match formula. Ask HR for the Summary Plan Description so you know the exact match and vesting schedule.
- Fund expense ratios aren't in the filing. Look them up in your 404(a)(5) fee disclosure and favor low-cost index or target-date funds.
- Changing jobs? You can usually leave the money in the plan, move it to your new employer's plan, or roll it into an IRA. Don't cash out: you'd owe taxes and possibly a 10% penalty.
The raw numbers from the filing
| Employer contributions | $2,000,000 |
| Participant (employee) contributions | $625,523 |
| Other contributions (incl. rollovers in) | $115,554 |
| Administrative expenses paid from the plan | $21,838 |
| Contract administrator fees | $11,496 |
| Other admin expenses | $10,342 |
| Benefits paid out | $3,205,478 |
| Net assets, start / end of year | $18.2M / $18.9M |
| Active participants, start / end of year | 1,582 / 1,674 |
| Participants with account balances | 989 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Lombardi & Keegan |
Largest service providers (Schedule C)
| Mutual of America Investment Corp | $11,496 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20260127131316NAL0003246784001, received 2026-01-27, EIN 04-2218928, plan #001, plan year 2024-07-01 to 2025-06-30. Verify at efast.dol.gov.