Northern Rivers Family Services, Inc. And Member Agencies Retirement Plan
Northern Rivers Family Services, Inc. · Albany, NY · EIN 460759782 · Plan 001 · Form 5500 for plan year 2024
What Northern Rivers Family Services put into the plan, per active participant
$2,382
Northern Rivers Family Services, Inc. put $2,382 into this plan for each of its 1,193 active participants in plan year 2024. That is the whole employer side, matching money, profit sharing, non-elective and safe-harbor contributions and reallocated forfeitures together, because the Form 5500 reports them on one line, so it is not the match rate.
Northern Rivers Family Services put in more per active participant than 74% of plans with 1,000–4,999 participants in healthcare. The middle plan in that group of 911 reported $1,092. Healthcare comes from business code 624100, which Northern Rivers Family Services, Inc. entered on its own Form 5500. Sponsors pick that code themselves, so a code that does not describe what the employer does ranks the plan against the wrong companies.
What this figure cannot separate: how much Northern Rivers Family Services pays, and how much it puts in
This is dollars, not a rate. A Form 5500 carries no payroll, so the figure reflects both how much the employer puts in and how much the employer pays: two plans running the same formula report different amounts when one pays better. Crossing the peer group with industry holds most of that difference still, and none of it disappears.
This is one plan year, not an average. A true-up, a plan merger or a one-off contribution moves a single year on its own.
Source: Form 5500 filing for the plan year ended June 30, 2025, received by the DOL April 10, 2026 · DOL EFAST2 ↗
What the plan cost, per participant
$90.62
The plan paid $90.62 per participant in plan-paid administrative expenses in plan year 2024, more expensive than 54% of plans with 1,000–4,999 participants. The middle plan of that size paid $84.96.
Why a plan this big pays less per person before anything else
Bigger plans pay less per head by construction, because the same negotiated bill divides across more people. That is why this ranking sits inside the plan's own size cohort and is never taken across all plans.
Schedule H reports only what came out of plan assets. Fees the sponsor pays directly, and fees taken inside fund expense ratios, never appear here, so this is a floor and not the all-in cost.
401(k) Monitor Score
66 out of 100
Where this plan stands against plans of its size and industry on two amounts its Form 5500 reports: employer money in per active person, and plan-paid cost per person. It reads no match formula, no vesting schedule and no fund lineup, because a Form 5500 states none of them.
- What the employer put in, per active participant: $2,382. Higher than 74% of plans with 1,000–4,999 participants in healthcare.
- What the plan cost, per participant: $90.62. Cheaper than 47% of plans with 1,000–4,999 participants.
On this page: where the match terms are stated · what to check next · every figure on the filing · fees itemised · the plans this one is ranked against · service providers
The match and vesting terms, from a Form 11-K
The match formula and the vesting schedule are stated in a Form 11-K, which is filed only by employers whose plan holds company stock. A Form 5500 reports neither.
What Northern Rivers Family Services puts in
Not in public filings for this employer
We have no SEC Form 11-K for this employer, and the Form 5500 this page is built from does not report match terms.
Two places state the terms in full: your plan’s Summary Plan Description, which your employer must provide on request, and your recordkeeper’s site, the one you log in to for your balance.
What you contribute to collect all of it
Not in public filings for this employer
The rate that collects the full match is part of the match formula, which a Form 5500 does not report.
Vesting score
Not scored
The vesting schedule is stated in a Form 11-K, and we have none for this employer.
A schedule this cannot read at whole-year anniversaries is left without a number rather than given a middle one.
What the plan costs, against plans of its size
54th percentile
$90.62 per participant in plan-paid administrative cost, more expensive than 54% of plans with 1,000–4,999 participants.
What to check next
Your own numbers are not on this page
Every figure here is the whole plan for plan year 2024, taken from one filing and divided by headcounts. Your own contribution rate, your balance and the fees taken from your account are on your recordkeeper’s site. What you may put in during a year is set by the IRS and not by the plan: this year’s limits ↗.
Key figures
| Total plan assets, end of year | $61,121,751 |
|---|---|
| Net assets | $61,106,215 |
| Participants, beginning of year | 2,310 |
| Of which active | 1,193 |
| Plan type | Single employer |
| Size cohortThe peer group we rank fees against. | 1,000–4,999 participants |
| Employer share of the money that went in, plan year 2024The rest came from employees, who put in $2,570,737. The share falls when employees save more, so a plan whose staff contribute heavily reads lower here through no act of the employer. It is printed as a fact and it is not part of the score. | 53% |
Plan-paid administrative expenses
The plan paid $209,343 in administrative expenses in plan year 2024, across 2,310 participants: $90.62 per participant.
| Contract administrator fees | not reported in filing |
|---|---|
| Professional fees | not reported in filing |
| Investment management fees | not reported in filing |
| Other administrative fees | not reported in filing |
These are plan-paid expenses from Schedule H only. Fees the sponsor pays directly, and fees embedded in fund expense ratios, never appear here. This figure is a floor, not the all-in cost, and a low number is not “free”.
The plans this one is ranked against
Fees on this page are ranked against the 1,000–4,999 participant cohort, where the median plan pays $84.96 per participant. The sponsor files from New York, one of 3,878 plans on file there, at a median of $108.03 per participant. Its business code places the plan in healthcare, one of 6,908 on file, which run to a median of $95.79.
Plans of a similar size in New York
| Plan | Participants | Cost per participant |
|---|---|---|
| The 401(k) PlanPentegra Services, Inc. | 2,429 | $405.48 |
| Shearman & Sterling LLP Retirement Savings PlanAllen Overy Shearman Sterling US LLP | 2,335 | $82.82 |
| Cha Consulting, Inc. Retirement Investment PlanCha Consulting Inc. | 2,323 | $143.22 |
| Fujifilm Diosynth Biotechnologies Long Term Savings PlanFujifilm Diosynth Biotechnologies U.S.A., Inc. | 2,307 | $50.24 |
| Cooperative Home Care Associates, Inc. 401(k) PlanCooperative Home Care Associates | 2,304 | $69.65 |
Service providers (Schedule C)
Recordkeeper: EPIC Retirement Plan Services (as filed: “EPIC RETIREMENT PLAN SERVICES”)
263 plans on file name EPIC Retirement Plan Services as their recordkeeper, at a median of $181.71 per participant.
| Provider | Service codes | Direct comp. ($) | Indirect comp. ($) |
|---|---|---|---|
| Charles Schwab & Co., Inc. | 59 | 0 | 0 |
| Charles Schwab Trust Bank | 62, 19 | 57 | 20,993 |
| Epic Retirement Plan Services | 37, 38, 15 | 0 | 0 |
| Nbt Bancorp Na | 21 | 209,344 | not reported |
Useful links
- Find a 401(k) you left at an old job ↗
The DOL's Retirement Savings Lost & Found. Free and official.
- Look up this plan's full Form 5500 ↗
The DOL's own filing search. Search by plan or sponsor name.
- Download this plan's data (CSV) ↗
Every field on this page, one row, ready for a spreadsheet.
Source
| Dataset | DOL EFAST2 Form 5500 bulk data (FOIA) |
|---|---|
| Form year | 2024 |
| Filing ACK_ID | 20260410134722NAL0011532049002 |
| Dataset last refreshed | July 28, 2026 |
Bulk dataset at askebsa.dol.gov ↗ · Look up the filing on EFAST2 ↗
Filings lag by design: a plan can file up to 9½ months after its year ends, so this is the newest data on file. Why filings lag
Cite this page
401(k) Monitor, "Northern Rivers Family Services, Inc. And Member Agencies Retirement Plan: Form 5500 facts", from DOL EFAST2 filing 20260410134722NAL0011532049002, plan year ended June 30, 2025. 401(k) Monitor Score 66 out of 100 (exact value 65.61).