Plan Ledger DOL Form 5500 · updated monthly

Counseling Service of Addison County, Inc.403(b)

CSAC 403(B) RETIREMENT PLAN · MIDDLEBURY, VT · plan year 2024

Reported admin expense ratio · 2024
0.34%

Peer grade: C · admin costs + employer contributions vs same-size plans · how grading works

Counseling Service of Addison County, Inc. reported $57,100 in plan administrative expenses for 2024: 0.34% of average plan assets, above the peer median. Employer contributions averaged $1,296 per active participant. This ratio covers administrative expenses reported on the plan's Schedule H only; fund-level expense ratios are not included in public structured data — see methodology.

Across the 2 years on file its reported administrative ratio fell from 0.40% to 0.34%. The plan sits in the $10M–$50M size bracket, benchmarked here against 27,838 comparable plans and shown alongside other health care & social assistance employers. By assets it is the 107th-largest of 230 plans among Vermont employers on file, and the 3,996th of 11,911 in health care & social assistance. In 2024, employees put in $2.08 for every $1.00 the employer contributed; active participation has grown from 243 to 279 since 2022.

Plan summary
Net assets, end of year$17,866,774
Participants with balances327
Active participants279
Employer contributions$361,494
Employee contributions$753,482
Employer contribution per active participant$1,296
Average account balance$54,638
Benefits paid to participants$1,490,635
Plan auditUnmodified (clean) audit opinion
AuditorKBS
Plan history3
Yearassets · accounts · employer contribution
2024$17.9M · 327 accts · $361K emplr
2023$16.2M · 329 accts · $376K emplr
2022$13.8M · 322 accts · $331K emplr
Administrative expenses, itemized · 2024
Recordkeeping & contract admin$48,139
Investment management$8,961
Total administrative$57,100
Employer contributions to the Counseling Service of Addison County, Inc. plan · 2024
Employer contribution per active participant$1,296
Median for plans this size$2,416
2024$1,296 per active participant
2023$1,521 per active participant
2022$1,360 per active participant

Counseling Service of Addison County, Inc.'s 2024 employer contribution ran below the $2,416 median for plans its size, in the bottom quarter of its peers. Filings report dollars actually contributed, not the match formula; the formula itself (for example, 50% of the first 6% of pay) lives in the plan's summary plan description from HR.

What these fees cost you

Annual cost at the plan's reported 2024 administrative ratio, against the median plan its size; fund expense ratios are extra. Compare any plan.

Service providers · 20244
MORGAN STANLEY · Investment advisory (plan)$7,832
EMPOWER ADVISORY GROUP, LLC · Investment management$1,129
MORGAN STANLEY INSURANCE SERVICESindirect comp

Compensation shown is direct payments from plan assets reported on Schedule C. Providers paid through fund revenue-sharing appear as indirect.

Administrative cost history3
2024$57,100 · 0.34%
2023$59,114 · 0.39%
2022$53,568 · 0.40%
Same employer
Similar plansHealth Care & Social Assistance · Vermont
Otis Health Care Center VT$26.2M · 0.14%
Wake Robin Corporation VT$14.5M · 0.02%

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Source: U.S. Department of Labor, Form 5500 series, EIN 030212396 · Verify on EFAST2 · Amounts are as reported by the plan sponsor for the plan year shown.