Plan Ledger DOL Form 5500 · updated monthly

Northwestern Counseling and Support Services, Inc.403(b)

NORTHWESTERN COUNSELING AND SUPPORT SERVICES TAX DEFERRED ANNUITY · ST. ALBANS, VT · plan year 2024

Reported admin expense ratio · 2024
0.09%

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

Northwestern Counseling and Support Services, Inc. reported $30,517 in plan administrative expenses for 2024: 0.09% of average plan assets, lower than ~75% of peers. Employer contributions averaged $2,198 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 0.10% to 0.09%. 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 51st-largest of 230 plans among Vermont employers on file, and the 2,382nd of 11,911 in health care & social assistance. In 2024, employees put in $1.48 for every $1.00 the employer contributed.

Plan summary
Net assets, end of year$36,895,574
Participants with balances691
Active participants479
Employer contributions$1,052,995
Employee contributions$1,555,271
Employer contribution per active participant$2,198
Average account balance$53,394
Benefits paid to participants$2,273,795
Plan auditDisclaimer of opinion
AuditorKITTELL, BRANAGAN & SARGENT
Plan history3
Yearassets · accounts · employer contribution
2024$36.9M · 691 accts · $1.1M emplr
2023$32.4M · 658 accts · $971K emplr
2022$26.9M · 654 accts · $929K emplr
Administrative expenses, itemized · 2024
Recordkeeping & contract admin$30,517
Total administrative$30,517
Employer contributions to the Northwestern Counseling and Support Services, Inc. plan · 2024
Employer contribution per active participant$2,198
Median for plans this size$2,416
2024$2,198 per active participant
2023$2,135 per active participant
2022$1,999 per active participant

Northwestern Counseling and Support Services, Inc.'s 2024 employer contribution ran below the $2,416 median for plans its size. 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 · 20241
FIDELITY INVESTMENTS INSTITUTIONAL · Loan processing$30,517

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$30,517 · 0.09%
2023$29,860 · 0.10%
2022$29,004 · 0.10%
Same employer
Similar plansHealth Care & Social Assistance · Vermont
Brattleboro Retreat VT$43.0M · 0.38%
Springfield Hospital VT$38.7M · 0.15%

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Source: U.S. Department of Labor, Form 5500 series, EIN 030210542 · Verify on EFAST2 · Amounts are as reported by the plan sponsor for the plan year shown.