South Middlesex Opportunity Council 403(b) match, vesting and fees
What South Middlesex Opportunity Council's 403(b) plan says about matching contributions
Plan features
Match, vesting and enrollment details have not been published from this plan's audit report yet. The figures below come from the structured filing.
| Recordkeeper | Voya Retirement Insurance & Annuity | Schedule C ↗ |
| Independent auditor | Aafcpas, Inc. (unmodified opinion, limited scope) | Schedule H ↗ |
| Plan type and status | 403(b) · Active | Form 5500 ↗ |
| Late participant contributions | Reported on the filing | Schedule H ↗ |
How the plan compares
Plan year 2024 medians for 1,380 defined-contribution plans in health care and social assistance with 500 to 999 participants.
| South Middlesex Opportunity Council: employer contribution per participant | $525 | |
| Peer median | $1,337 |
| South Middlesex Opportunity Council: average balance | $38,884 | |
| Peer median | $35,764 |
| South Middlesex Opportunity Council: admin expenses ÷ assets | <0.01% | |
| Peer median | 0.32% |
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 $20.3M at the end of plan year 2021 to $21.9M at the end of plan year 2024.
| Plan year | Participants | Assets | Employer contributions | Per participant | Admin expense ratio | Match formula | Filing |
|---|---|---|---|---|---|---|---|
| 2024 | 743 | $21.9M | $296K | $525 | <0.01% | Not published | Form 5500 ↗ |
| 2023 | 764 | $19.6M | $276K | $475 | <0.01% | Not published | Form 5500 ↗ |
| 2022 | 748 | $17.2M | $265K | $479 | <0.01% | Not published | Form 5500 ↗ |
| 2021 | 841 | $20.3M | $263K | $484 | <0.01% | Not published | Form 5500 ↗ |
Common questions
Does South Middlesex Opportunity Council match 401(k) contributions?
The match terms for the Smoc 403(b) Savings Plan have not been published from its filing yet. The plan year 2024 filing reports $296K in employer contributions, about $525 per participant. That total includes any match and profit-sharing; it is not a match formula.
When is the South Middlesex Opportunity Council 401(k) match vested?
The vesting schedule for the Smoc 403(b) Savings Plan is not in the data published so far. Your Summary Plan Description states it.
Who manages the South Middlesex Opportunity Council 401(k)?
The recordkeeper listed on Schedule C of the plan year 2024 filing is Voya Retirement Insurance & Annuity. The plan administrator is South Middlesex Opportunity Council.
I left South Middlesex Opportunity Council. How do I find my old 401(k)?
Your account stays in the plan until you move it. Contact the plan administrator (South Middlesex Opportunity Council, (508) 620-2326) or the recordkeeper, Voya Retirement Insurance & Annuity. The South Middlesex Opportunity Council old 401(k) page lists the contacts from every plan filing. Find an old South Middlesex Opportunity Council 401(k)
Data from the public Form 5500 annual reports South Middlesex Opportunity Council 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 South Middlesex Opportunity Council. Not financial advice. Report a correction · Methodology