How big is Worcester Community Action COU's plan?

Worcester Community Action COU's plan reported $4.5M in assets and 165 participants for 2024.

Original filing (PDF)20251015140626NAL0002540211001

Worcester Community Action COU

Name: Worcester Community Action COU — 403(b) Thrift Plan, Form 5500 (2024)
Creator: Worcester Community Action COU
License: https://www.usa.gov/government-works

Form 5500

FILING_RECEIVED

403(b) Thrift Plan for Employees of Worcester Community Action Council, Inc.

401(k) retirement plan · Worcester Community Action COU's 403(b) Thrift Plan for Employees of Worcester Community Action Council, Inc. held $4.5M in plan assets for 165 participants in 2024, with Mutual of America as recordkeeper.

Signals · 3

Late participant contributionsPossibly inadequate fidelity bondNon-clean audit opinion

Active participants

165

Accounts w/ balance

223

Plan assets (EOY)

$4.5M

Net assets (EOY)

$4.5M

People on this filing

Kerry Brennan signed Worcester Community Action COU's 2024 Form 5500 as plan administrator.

Kerry Brennan — Plan Administrator — Form 5500 signer

Get verified email & phone for these signers

Signer names are public record from the Form 5500 e-signature.

Plan identifiers

Worcester Community Action COU's EIN is 04-2382160.

EIN 04-2382160

Plan number 002

Plan year 2024

ACK ID 20251015140626NAL0002540211001

Official Form 5500 document

Download the official 2024 Form 5500 (PDF) for Worcester Community Action COU from the U.S. Department of Labor's EFAST2 system.

Download the official 2024 Form 5500 (PDF)

Plan features

Worcester Community Action COU's plan includes a 401(k) feature, profit-sharing, automatic enrollment, a default investment (QDIA).

Decision-maker contacts

One unlock reveals every key decision-maker — plan signer, CFO, HR & Benefits — with verified email + LinkedIn for WORCESTER COMMUNITY ACTION COU.

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How this plan invests

This plan

1 pooled trust

Schedule D

37 securities

funds · stocks · CUSIPs

Holdings are itemized directly on this plan's Schedule of Assets, below.

Plan health score

Above-average plan

Directional indicator from public Form 5500 data — compliance & integrity, total plan cost, participant health and vendor stack, benchmarked against same-size peers. Not a fiduciary tool.

Compliance & integrity

Total plan cost

Plan health

Vendor & structure

100

Knocking points off

Delinquent participant contributions reported (Schedule H 4a) — 173K (22% of contributions).
Auditor issued a qualified / adverse / disclaimer opinion.
Fidelity bond appears below the 10%-of-assets requirement.

Helping the score

Below-peer total plan cost (90th percentile).

Plan sponsor

Name

WORCESTER COMMUNITY ACTION COU

EIN

all filings

Address

18 CHESTNUT ST. · SUITE 500 · WORCESTER, MA · 01608

Phone

(508) 754-1176

Industry

Health Care & Social Assistance

Plan administrator

Same as plan sponsor.

Plan characteristics

Plan number

002

Plan year

2024

Plan year begin

2024-01-01

Tax period

2024-12-31

Filed

2025-10-15

Pension benefit codes

2G · Total participant-directed accounts

3D · Pre-approved plan (master / prototype / VS)

2J · 401(k) feature

2K · 401(m) arrangement

2E · Profit-sharing

2S · Automatic enrollment

2T · Default investment account (QDIA)

Audit & trust (Schedule H)

Service providers (Schedule C)

1 rows

Recordkeeper

Name	EIN	Location	Relation	Direct comp	Indirect comp
MUTUAL OF AMERICA INVESTMENT CORP	—	NEW YORK, NY	RECORD KEEPER	$3K	—

Investments

37 direct securities · 1 pooled fund· $8.3M(100% of reported assets)

Rows tagged as a trust or pooled fund hold many underlying securities. Click one to drill into its own Schedule of Assets — where the individual funds, shares, and CUSIPs live.

Pooled Separate Account

$3.9M

1 holding

Other securities

$3.7M

24 holdings

Mutual Funds

$314K

9 holdings

Common Collective Trusts

$257K

2 holdings

Bonds / Notes

$62K

1 holding

Cash / Money Market

$1K

1 holding

					% of plan
SEPARATE ACCOUNT NUMBER SA2 MUTUAL OF AMERICA · EIN 13-1614399 / PN 002	Pooled Separate Account	—	—	$3.9M	85.6%
Mutual of America Clear Passage 2030 Fund	Other securities	—	—	$602K	13.2%
Mutual of America Clear Passage 2045 Fund	Other securities	—	—	$487K	10.7%
Guaranteed Interest Contract * Mutual of America Interest Accumulation Account	Other securities	—	—	$418K	9.2%
Mutual of America Clear Passage 2050 Fund	Other securities	—	—	$356K	7.8%
Mutual of America Clear Passage 2035 Fund	Other securities	—	—	$350K	7.7%
Mutual of America Moderate Allocation Fund	Other securities	—	—	$273K	6.0%
Mutual of America Clear Passage 2040 Fund	Other securities	—	—	$267K	5.9%
Mutual of America Clear Passage 2025 Fund	Other securities	—	—	$219K	4.8%
Mutual of America Conservative Allocation Fund	Other securities	—	—	$190K	4.2%
Mutual of America Clear Passage 2020 Fund	Other securities	—	—	$156K	3.4%
Mutual of America Clear Passage 2060 Fund	Other securities	—	—	$147K	3.2%
Mutual of America Clear Passage 2055 Fund	Other securities	—	—	$145K	3.2%
Mutual of America Mid-Cap Equity Index Fund	Common Collective Trusts	—	—	$143K	3.1%
Fidelity VIP Mid Cap Portfolio	Mutual Funds	—	—	$120K	2.6%
Mutual of America Equity Index Fund	Common Collective Trusts	—	—	$114K	2.5%
Vanguard VIF International Portfolio	Mutual Funds	—	—	$82K	1.8%
Notes receivable from participants Interest rate of 5.85%, due through April 2035	Bonds / Notes	—	—	$62K	1.4%
Vanguard VIF Diversified Value Portfolio	Mutual Funds	—	—	$57K	1.2%
Fidelity VIP Asset Manager Portfolio ** 385 Fidelity VIP Contrafund Portfolio	Mutual Funds	—	—	$27K	0.6%
Mutual of America Small Cap Growth Fund	Other securities	—	—	$23K	0.5%
Pooled Separate Investment Accounts * Mutual of America Aggressive Allocation Fund	Other securities	—	—	$23K	0.5%
Mutual of America Clear Passage 2065 Fund	Other securities	—	—	$17K	0.4%
Vanguard VIF Real Estate Index Portfolio	Mutual Funds	—	—	$15K	0.3%
Mutual of America Small Cap Value Fund ** 854 American Century VP Capital Appreciation Fund	Other securities	—	—	$12K	0.3%
Mutual of America Balanced Fund ** 475 Calvert VP SRI Balanced Portfolio	Other securities	—	—	$11K	0.2%
Mutual of America Core Bond Fund	Other securities	—	—	$10K	0.2%
T. Rowe Price Blue Chip Growth Portfolio	Other securities	—	—	$8K	0.2%
Mutual of America Retirement Income Fund	Other securities	—	—	$7K	0.1%
Invesco V.I. Main Street Fund	Mutual Funds	—	—	$5K	0.1%
Victory RS Small Cap Growth Equity VIP	Other securities	—	—	$4K	<0.1%
Mutual of America Clear Passage 2015 Fund	Other securities	—	—	$4K	<0.1%
Mutual of America Mid Cap Value Fund	Other securities	—	—	$3K	<0.1%
PIMCO VIT Real Return Portfolio	Mutual Funds	—	—	$3K	<0.1%
DWS Capital Growth VIP	Other securities	—	—	$3K	<0.1%
Vanguard VIF Total Bond Market Index Portfolio	Mutual Funds	—	—	$3K	<0.1%
Mutual of America Money Market Fund	Cash / Money Market	—	—	$1K	<0.1%
Fidelity VIP Equity-Income Portfolio	Mutual Funds	—	—	$1K	<0.1%