Berkshire County Arc 401(k) match, vesting and fees
What Berkshire County Arc's 401(k) plan says about matching contributions
Plan features
Indented passages are quoted word for word from the audit report; plan terms may have changed since, so check your current Summary Plan Description.
| Loans | Participants may borrow from the Plan subject to certain limitations. Loan transactions are treated as a transfer to (from) the investment fund and from (to) the panicipant’s loan account. Participants may borrow from their accounts up to a maximum equal to fifty percent (50%) oftheir vested account balance. Principal and interest is paid ratably through payroll deductions. Interest rates on outstanding loans at June 30, 2025 and 2024 ranged from 3.25% to 5.85%. There were $751,348 and $585,900 in outstanding loans as of June 30, 2025 and 2024, respectively. | Audit report, p. 32 ↗ |
| Recordkeeper | Mutual of America Investment Corp | Schedule C ↗ |
| Independent auditor | Lombardi & Keegan (unmodified opinion, limited scope) | Schedule H ↗ |
| Plan type and status | 401(k) · Active | Form 5500 ↗ |
All rows are from the plan year 2024 filing; plan features from its audit report.
How the plan compares
Plan year 2024 medians for 352 defined-contribution plans in other services with 500 to 999 participants.
| Berkshire County Arc: employer contribution per participant | $2,022 | |
| Peer median | $1,775 |
| Berkshire County Arc: average balance | $19,069 | |
| Peer median | $48,211 |
| Berkshire County Arc: admin expenses ÷ assets | 0.12% | |
| Peer median | 0.25% |
Admin expenses are the plan's reported administrative expenses divided by its assets; they do not include fund expense ratios.
Plan history
Plan assets went from $13.7M at the end of plan year 2021 to $18.9M at the end of plan year 2024.
| Plan year | Participants | Assets | Employer contributions | Per participant | Admin expense ratio | Match formula | Filing |
|---|---|---|---|---|---|---|---|
| 2024 | 1,758 | $18.9M | $2M | $2,022 | 0.12% | Not published | Form 5500 ↗ |
| 2023 | 1,708 | $18.2M | $2.4M | $2,295 | 0.06% | Not published | Form 5500 ↗ |
| 2022 | 1,566 | $15.4M | $850K | $802 | 0.01% | Not published | Form 5500 ↗ |
| 2021 | 1,426 | $13.7M | $1.9M | $1,852 | 0.06% | Not published | Form 5500 ↗ |
Common questions
Does Berkshire County Arc match 401(k) contributions?
The match terms for the 403(b) Thrift Plan of Berkshire County Arc, Inc. have not been published from its filing yet. The plan year 2024 filing reports $2M in employer contributions, about $2,022 per participant. That total includes any match and profit-sharing; it is not a match formula.
When is the Berkshire County Arc 401(k) match vested?
The vesting schedule for the 403(b) Thrift Plan of Berkshire County Arc, Inc. is not in the data published so far. Your Summary Plan Description states it.
Who manages the Berkshire County Arc 401(k)?
The recordkeeper listed on Schedule C of the plan year 2024 filing is Mutual of America Investment Corp. The plan administrator is Berkshire County Arc, Inc..
I left Berkshire County Arc. How do I find my old 401(k)?
Your account stays in the plan until you move it. Contact the plan administrator (Berkshire County Arc, Inc., (413) 499-4241) or the recordkeeper, Mutual of America Investment Corp. The Berkshire County Arc old 401(k) page lists the contacts from every plan filing. Find an old Berkshire County Arc 401(k)
Data from the public Form 5500 annual reports Berkshire County Arc filed with the U.S. Department of Labor (plan years 2021 and 2022 and 2023 and 2024) and, where noted, the attached independent auditor's report. Plan terms may have changed since the filing; check your current Summary Plan Description. PlanFacts is not affiliated with Berkshire County Arc. Not financial advice. Report a correction · Methodology