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Original filing (PDF)20250925160922NAL0010735299001
TRI-COUNTY OPPORTUNITIES COUNCIL
Form 5500
FILING_RECEIVED
403(B) THRIFT PLAN FOR TRI-COUNTY OPPORTUNITIES COUNCIL
403(b) retirement plan
Active participants
167
Accounts w/ balance
186
Plan assets (EOY)
$6.9M
Net assets (EOY)
$6.9M
How this plan invests
This plan
1 pooled trust
Schedule D
49 securities
funds · stocks · CUSIPs
Holdings are itemized directly on this plan's Schedule of Assets, below.
Plan health score (directional)
100
/ 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
100
Total plan cost
100
Vendor stack
100
Participation health
100
Helping the score
- Below-peer total fees (2 bps vs 52 bps peer median).
Decision-maker contacts
CFO / Head of HR / Benefits Manager — verified email + LinkedIn for TRI-COUNTY OPPORTUNITIES COUNCIL.
Plan sponsor
Name
TRI-COUNTY OPPORTUNITIES COUNCIL
EIN
36-2559180
Address
405 EMMONS AVE · ROCK FALLS, IL · 610711407
Phone
(815) 625-7830
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
2024-01-01
Tax period
2024-12-31
Filed
2025-09-25
Pension benefit codes
2F · ERISA section 404(c)
2G · Total participant-directed accounts
2L · 403(b)(1) annuity
2T · Default investment account (QDIA)
3D · Pre-approved plan (master / prototype / VS)
Audit & trust (Schedule H)
Auditor
SIKICH CPA LLC
Trustee / custodian
—
Trustee phone
—
Service providers (Schedule C)
3 rowsRecordkeeper
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| MUTUAL OF AMERICA INVESTMENT CORP | — | NEW YORK, NY | RECORD KEEPER | $1K | — |
Other
2| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| FRANKLIN TEMPLETON DISTRIBUTORS | — | SAN MATEO, CA | NONE | $180 | — |
| RELIASTAR LIFE INSURANCE COMPANY | 41-0451140 | — | NONE | $0 | — |
Investments
49 direct securities · 1 pooled fund· $12.1M(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
$6.2M
46 holdings
Pooled Separate Account
$5.2M
1 holding
Pooled Separate Accounts
$525K
2 holdings
Mutual Funds
$133K
1 holding
| PI | Investment | Type | Shares / units | Cost | Current value | % of plan |
|---|---|---|---|---|---|---|
| SEPARATE ACCOUNT NUMBER SA2 MUTUAL OF AMERICA · EIN 13-1614399 / PN 000 | Pooled Separate Account | — | — | $5.2M | 75.7% | |
| American General Life Insurance Contract | — | — | — | $912K | 13.3% | |
| Mutual of America Clear Passage 2035 Fund | — | — | — | $741K | 10.8% | |
| Mutual of America Clear Passage 2025 Fund | — | — | — | $608K | 8.8% | |
| Mutual of America Clear Passage 2045 Fund | — | — | — | $589K | 8.6% | |
| Mutual of America Clear Passage 2030 Fund | — | — | — | $539K | 7.8% | |
| s (Continued) * Mutual of America Clear Passage 2050 Fund | Pooled Separate Accounts | — | — | $442K | 6.4% | |
| Mutual of America Conservative Allocation | — | — | — | $402K | 5.8% | |
| Mutual of America Clear Passage 2040 Fund | — | — | — | $387K | 5.6% | |
| Fully Benefit-Responsive Investment Contracts * Mutual of America Interest Accumulation | — | — | — | $364K | 5.3% | |
| Mutual of America Clear Passage 2020 Fund | — | — | — | $264K | 3.8% | |
| Goldman Sachs VIT US Equity Insights Fund ** 613 * Mutual of America Clear Passage 2015 Fund | — | — | — | $175K | 2.5% | |
| Mutual of America Moderate Allocation | — | — | — | $158K | 2.3% | |
| s * Franklin Templeton Franklin Growth Fund - Class A | Mutual Funds | — | — | $133K | 1.9% | |
| T.Rowe Price Blue Chip Growth | — | — | — | $119K | 1.7% | |
| Fidelity VIP Contrafund Portfolio | — | — | — | $93K | 1.4% | |
| Mutual of America Clear Passage 2060 Fund | — | — | — | $84K | 1.2% | |
| s * Mutual of America Aggressive Allocation | Pooled Separate Accounts | — | — | $83K | 1.2% | |
| Mutual of America Clear Passage 2055 Fund | — | — | — | $76K | 1.1% | |
| VOYA/ReliaStar Insurance Company Annuity Contract - FutureLink | — | — | — | $75K | 1.1% | |
| Vanguard VIF Diversified Value Portfolio | — | — | — | $59K | 0.9% | |
| Franklin Templeton Franklin Small Cap Growth Fund - Class A | — | — | — | $56K | 0.8% | |
| Mutual of America Equity Index Fund | — | — | — | $52K | 0.7% | |
| Fidelity VIP Asset Manager Portfolio | — | — | — | $49K | 0.7% | |
| Mutual of America Money Market Fund ** 403 * Mutual of America Intermediate Bond Fund ** 860 * Mutual of America Mid-Cap Equity Index | — | — | — | $46K | 0.7% | |
| Mutual of America Retirement Income Fund | — | — | — | $45K | 0.7% | |
| Franklin Templeton Franklin Equity Income Fund - Class A | — | — | — | $31K | 0.5% | |
| American Century VP Capital Appreciation | — | — | — | $27K | 0.4% | |
| Franklin Templeton Mutual Global Discovery Fund - Class A | — | — | — | $26K | 0.4% | |
| Franklin Templeton Mutual Shares Fund - Class A | — | — | — | $25K | 0.4% | |
| Mutual of America Small Cap Growth Fund | — | — | — | $24K | 0.4% | |
| Vanguard VIF International Portfolio | — | — | — | $22K | 0.3% | |
| Mutual of America Mid Cap Value Fund | — | — | — | $22K | 0.3% | |
| Franklin Templeton Franklin Income Fund - Class A1 | — | — | — | $22K | 0.3% | |
| Mutual of America Balanced Fund ** 988 Calvert VP SRI Balanced Portfolio | — | — | — | $20K | 0.3% | |
| Franklin Templeton Franklin Total Return Fund - Class A | — | — | — | $17K | 0.2% | |
| Mutual of America Small Cap Value Fund | — | — | — | $13K | 0.2% | |
| DWS Capital Growth VIP | — | — | — | $12K | 0.2% | |
| Insurance Contracts * VOYA/ReliaStar Insurance Company Annuity Contract - Quintaflex II | — | — | — | $11K | 0.2% | |
| Fidelity VIP Mid Cap Portfolio | — | — | — | $10K | 0.1% | |
| American Funds IS New World Fund | — | — | — | $10K | 0.1% | |
| Mutual of America International Fund | — | — | — | $6K | <0.1% | |
| Fidelity VIP Equity-Income Portfolio | — | — | — | $6K | <0.1% | |
| Mutual of America Clear Passage 2065 Fund | — | — | — | $5K | <0.1% | |
| Mutual of America Core Bond Fund | — | — | — | $5K | <0.1% | |
| Mutual of America All America Fund | — | — | — | $4K | <0.1% | |
| Vanguard VIF Real Estate Index Portfolio ** 814 PIMCO VIT Real Return Portfolio | — | — | — | $1K | <0.1% | |
| MFS VIT III Mid Cap Value Portfolio | — | — | — | $1K | <0.1% | |
| Vanguard Variable Insurance Fund Total Bond Mkt Indx | — | — | — | $1K | <0.1% | |
| Invesco Oppenheimer V.I. Main Street | — | — | — | $1K | <0.1% |
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