Plan Ledger DOL Form 5500 · updated monthly

Oswego County Opportunities, Inc.403(b)

OSWEGO COUNTY OPPORTUNITIES, INC. EMPLOYEES' DEFERRED ANNUITY PLAN · FULTON, NY · plan year 2024

Reported admin expense ratio · 2024
0.27%

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

Oswego County Opportunities, Inc. reported $45,632 in plan administrative expenses for 2024: 0.27% of average plan assets, below the peer median. Employer contributions averaged $815 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 0.33% to 0.27%. 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 2,647th-largest of 5,648 plans among New York employers on file, and the 3,921st of 11,911 in health care & social assistance. In 2024, employees put in $1.43 for every $1.00 the employer contributed.

Plan summary
Net assets, end of year$18,306,049
Participants with balances351
Active participants525
Employer contributions$427,728
Employee contributions$613,532
Employer contribution per active participant$815
Average account balance$52,154
Benefits paid to participants$908,583
Plan auditUnmodified (clean) audit opinion
AuditorGROSSMAN ST. AMOUR, CPA'S PLLC
Plan history3
Yearassets · accounts · employer contribution
2024$18.3M · 351 accts · $428K emplr
2023$16.1M · 349 accts · $412K emplr
2022$14.3M · 371 accts · $449K emplr
Administrative expenses, itemized · 2024
Recordkeeping & contract admin$45,632
Total administrative$45,632
Employer contributions to the Oswego County Opportunities, Inc. plan · 2024
Employer contribution per active participant$815
Median for plans this size$2,416
2024$815 per active participant
2023$800 per active participant
2022$858 per active participant

Oswego County Opportunities, 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 · 20243
VOYA RETIREMENT INSURANCE AND ANNUI · Loan processing · Recordkeeping$38,350
VALIANT RETIRE INC. · Recordkeeping$6,114
COMMONWEALTH EQUITY SERVICES · Investment advisory (participants) · Investment advisory (plan)indirect comp

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

Recordkeeper by year2
2024VALIANT RETIRE INC., Voya
2023VALIANT RETIRE INC., Voya

Looking for an account from a past job here? How to find an old 401(k).

Administrative cost history3
2024$45,632 · 0.27%
2023$41,746 · 0.27%
2022$51,182 · 0.33%
Same employer
Similar plansHealth Care & Social Assistance · New York
Orleans Community Health NY$18.4M · 0.28%
Urban Resource Institute NY$18.3M · 0.57%
Hcr NY$18.2M · 0.46%

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Source: U.S. Department of Labor, Form 5500 series, EIN 160979876 · Verify on EFAST2 · Amounts are as reported by the plan sponsor for the plan year shown.