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Original filing (PDF)20260127131316NAL0003246784001
BERKSHIRE COUNTY ARC, INC.
Form 5500
FILING_RECEIVED
403(B) THRIFT PLAN OF BERKSHIRE COUNTY ARC, INC.
401(k) retirement plan
Signals · 2
55% in single holdingNo recordkeeper disclosed
Active participants
1,674
Accounts w/ balance
989
Plan assets (EOY)
$18.9M
Net assets (EOY)
$18.9M
How this plan invests
This plan
1 pooled trust
Schedule D
44 securities
funds · stocks · CUSIPs
Holdings are itemized directly on this plan's Schedule of Assets, below.
Plan health score (directional)
90
/ 100
Grade A
Top-tier plan health
Directional indicator computed from public Form 5500 data — compliance, concentration, cost, vendor stack and participation. Not a fiduciary tool.
Compliance & disclosures
100
Concentration risk
75
Total plan cost
100
Vendor stack
80
Participation health
80
Knocking points off
- Top holding ". GROUP ANNUITY CONTRACT Mutual of America Mutual of America Interest Accumulation Account" is 55% of plan.
- No recordkeeper disclosed on Schedule C.
- 59% balance-to-active ratio — below typical for a healthy 401(k).
Helping the score
- Below-peer total fees (6 bps vs 29 bps peer median).
Decision-maker contacts
CFO / Head of HR / Benefits Manager — verified email + LinkedIn for BERKSHIRE COUNTY ARC, INC..
Plan sponsor
Name
BERKSHIRE COUNTY ARC, INC.
EIN
04-2218928
Address
395 SOUTH ST · PO BOX 2 · PITTSFIELD, MA · 012020002
Phone
(413) 499-4241
Industry
Other Services (ex. Public Admin)see all
Plan administrator
Same as plan sponsor.
Plan characteristics
Plan number
001
Plan year
2024
Plan year begin
2024-07-01
Tax period
2025-06-30
Filed
2026-01-27
Pension benefit codes
2G · Total participant-directed accounts
3D · Pre-approved plan (master / prototype / VS)
2J · 401(k) feature
2E · Profit-sharing
2T · Default investment account (QDIA)
2L · 403(b)(1) annuity
2F · ERISA section 404(c)
Audit & trust (Schedule H)
Auditor
LOMBARDI & KEEGAN
Trustee / custodian
—
Trustee phone
—
Service providers (Schedule C)
1 rowsInsurance
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| MUTUAL OF AMERICA INVESTMENT CORP | — | NEW YORK, NY | INSURANCE CARRIER | $11K | — |
Investments
44 direct securities · 1 pooled fund· $26.6M(100% of reported assets)
Rows tagged as a trust or pooled fund hold many underlying securities. Their holdings are itemized on each fund’s own Form 5500.
Uncategorized
$18.9M
44 holdings
Pooled Separate Account
$7.7M
1 holding
| PI | Investment | Type | Shares / units | Cost | Current value | % of plan |
|---|---|---|---|---|---|---|
| . GROUP ANNUITY CONTRACT Mutual of America Mutual of America Interest Accumulation Account | — | — | — | $10.4M | 55.2% | |
| SEPARATE ACCOUNT NUMBER SA2 MUTUAL OF AMERICA · EIN 13-1614399 / PN 000 | Pooled Separate Account | — | — | $7.7M | 41.0% | |
| . GROUP ANNUITY CONTRACT Mutual of America MoA Clear Passage 2030 Fund | — | — | — | $1.1M | 5.7% | |
| . GROUP ANNUITY CONTRACT Mutual of America MoA Clear Passage 2035 Fund | — | — | — | $920K | 4.9% | |
| . GROUP ANNUITY CONTRACT Mutual of America Victory RS Small Cap Growth Equity VIP Series 0 . GROUP ANNUITY CONTRACT Mutual of America Loans 3.25%-5.85% | — | — | — | $710K | 3.8% | |
| . GROUP ANNUITY CONTRACT Mutual of America Fidelity VIP Contrafund Portfolio | — | — | — | $588K | 3.1% | |
| . GROUP ANNUITY CONTRACT Mutual of America Fidelity VIP Equity-Income Portfolio | — | — | — | $438K | 2.3% | |
| . GROUP ANNUITY CONTRACT Mutual of America MoA Equity Index Fund | — | — | — | $425K | 2.3% | |
| . GROUP ANNUITY CONTRACT Mutual of America MoA Clear Passage 2045 Fund | — | — | — | $378K | 2.0% | |
| . GROUP ANNUITY CONTRACT Mutual of America DWS Capital Growth VIP | — | — | — | $330K | 1.7% | |
| . GROUP ANNUITY CONTRACT Mutual of America MoA Clear Passage 2025 Fund | — | — | — | $295K | 1.6% | |
| . GROUP ANNUITY CONTRACT Mutual of America MoA Moderate Allocation Fund | — | — | — | $265K | 1.4% | |
| . GROUP ANNUITY CONTRACT Mutual of America MoA Clear Passage 2040 Fund | — | — | — | $242K | 1.3% | |
| . GROUP ANNUITY CONTRACT Mutual of America Vanguard VIF Diversified Value Portfolio | — | — | — | $236K | 1.3% | |
| . GROUP ANNUITY CONTRACT Mutual of America MoA All America Fund | — | — | — | $231K | 1.2% | |
| . GROUP ANNUITY CONTRACT Mutual of America MoA Core Bond Fund | — | — | — | $207K | 1.1% | |
| . GROUP ANNUITY CONTRACT Mutual of America MoA Clear Passage 2055 Fund | — | — | — | $199K | 1.1% | |
| . GROUP ANNUITY CONTRACT Mutual of America MoA Intermediate Bond Fund | — | — | — | $181K | 1.0% | |
| . GROUP ANNUITY CONTRACT Mutual of America MoA Clear Passage 2050 Fund | — | — | — | $178K | 0.9% | |
| . GROUP ANNUITY CONTRACT Mutual of America Fidelity VIP Asset Manager Portfolio | — | — | — | $152K | 0.8% | |
| . GROUP ANNUITY CONTRACT Mutual of America MoA Small Cap Growth Fund | — | — | — | $152K | 0.8% | |
| . GROUP ANNUITY CONTRACT Mutual of America MoA Mid Cap Equity Index Fund | — | — | — | $147K | 0.8% | |
| . GROUP ANNUITY CONTRACT Mutual of America T. Rowe Price Blue Chip Growth Portfolio | — | — | — | $144K | 0.8% | |
| . GROUP ANNUITY CONTRACT Mutual of America MoA Small Cap Value Fund | — | — | — | $138K | 0.7% | |
| . GROUP ANNUITY CONTRACT Mutual of America MoA Clear Passage 2060 Fund | — | — | — | $123K | 0.6% | |
| . GROUP ANNUITY CONTRACT Mutual of America MoA US Government Money Market Fund | — | — | — | $87K | 0.5% | |
| . GROUP ANNUITY CONTRACT Mutual of America MoA Retirement Income Fund | — | — | — | $87K | 0.5% | |
| . GROUP ANNUITY CONTRACT Mutual of America Vanguard VIF International Portfolio | — | — | — | $81K | 0.4% | |
| . GROUP ANNUITY CONTRACT Mutual of America Macquarie VIP Small Cap Value Series 0 . GROUP ANNUITY CONTRACT Mutual of America MoA Aggressive Allocation Fund | — | — | — | $76K | 0.4% | |
| . GROUP ANNUITY CONTRACT American Century Investments VP Capital Mutual of America Appreciation Fund | — | — | — | $69K | 0.4% | |
| . GROUP ANNUITY CONTRACT Mutual of America MoA Conservative Allocation Fund | — | — | — | $65K | 0.3% | |
| . GROUP ANNUITY CONTRACT Mutual of America MoA Clear Passage 2065 Fund | — | — | — | $44K | 0.2% | |
| . GROUP ANNUITY CONTRACT Mutual of America MoA Balanced Fund | — | — | — | $39K | 0.2% | |
| . GROUP ANNUITY CONTRACT Mutual of America Fidelity VIP Mid Cap Portfolio | — | — | — | $20K | 0.1% | |
| . GROUP ANNUITY CONTRACT Mutual of America MoA Clear Passage 2015 Fund 0 . GROUP ANNUITY CONTRACT Mutual of America MoA Clear Passage 2020 Fund | — | — | — | $18K | <0.1% | |
| . GROUP ANNUITY CONTRACT Mutual of America Vanguard VIF Total Bond Market Index Portfolio | — | — | — | $17K | <0.1% | |
| . GROUP ANNUITY CONTRACT Mutual of America Calvert VP SRI Balanced Portfolio | — | — | — | $16K | <0.1% | |
| . GROUP ANNUITY CONTRACT Mutual of America MoA International Fund | — | — | — | $13K | <0.1% | |
| . GROUP ANNUITY CONTRACT Mutual of America MoA Small Cap Equity Index Fund | — | — | — | $10K | <0.1% | |
| . GROUP ANNUITY CONTRACT Mutual of America Goldman Sachs VIT Small Cap Equity Insights Fund 0 . GROUP ANNUITY CONTRACT Mutual of America Goldman Sachs VIT US Equity Insights Fund | — | — | — | $10K | <0.1% | |
| . GROUP ANNUITY CONTRACT Mutual of America Vanguard VIF Real Estate Index Portfolio | — | — | — | $9K | <0.1% | |
| . GROUP ANNUITY CONTRACT Mutual of America Invesco V.I. Main Street Fund | — | — | — | $6K | <0.1% | |
| . GROUP ANNUITY CONTRACT Mutual of America American Funds Insurance Series New World Fund | — | — | — | $6K | <0.1% | |
| . GROUP ANNUITY CONTRACT Mutual of America Neuberger Berman AMT Sustainable Equity Portfolio | — | — | — | $4K | <0.1% | |
| . GROUP ANNUITY CONTRACT Mutual of America MoA Mid Cap Value Fund | — | — | — | $4K | <0.1% |