401k Plan data: THE ARC OF OPPORTUNITY IN NORTH CENTRAL MASSACHUSETTS 401K PROFIT SHARING PLAN AND TRUST plan

THE ARC OF OPPORTUNITY IN NORTH CENTRAL MASSACHUSETTS 401K PROFIT SHARING PLAN AND TRUST 401k Plan overview

Plan Name	THE ARC OF OPPORTUNITY IN NORTH CENTRAL MASSACHUSETTS 401K PROFIT SHARING PLAN AND TRUST
Plan identification number	001

THE ARC OF OPPORTUNITY IN NORTH CENTRAL MASSACHUSETTS 401K PROFIT SHARING PLAN AND TRUST Benefits

401k Plan Type

Defined Contribution Pension

Plan Features/Benefits

Total participant-directed account plan - Participants have the opportunity to direct the investment of all the assets allocated to their individual accounts, regardless of whether 29 CFR 2550.404c-1 is intended to be met.
Code section 401(k) feature - A cash or deferred arrangement described in Code section 401(k) that is part of a qualified defined contribution plan that provides for an election by employees to defer part of their compensation or receive these amounts in cash.
Master plan - A pension plan that is made available by a sponsor for adoption by employers; that is the subject of a favorable opinion letter; and for which a single funding medium (for example, a trust or custodial account) is established for the joint use of all adopting employers.

401k Sponsoring company profile

THE ARC OF OPPORTUNITY IN NORTH CENTRAL MASSACHUSETTS, INC. has sponsored the creation of one or more 401k plans.

Company Name: THE ARC OF OPPORTUNITY IN NORTH CENTRAL MASSACHUSETTS, INC.

Employer identification number (EIN): 042226199

NAIC Classification: 624100
NAIC Description: Individual and Family Services

Form 5500 Filing Information

Submission information for form 5500 for 401k plan THE ARC OF OPPORTUNITY IN NORTH CENTRAL MASSACHUSETTS 401K PROFIT SHARING PLAN AND TRUST

Plan id# Filing Submission Date Name of Administrator Date Administrator Signed Name of Company Sponsor Date Sponsor Signed
001 2022-07-01
001 2021-07-01
001 2020-07-01
001 2019-07-01
001 2018-07-01
001 2017-07-01
001 2016-07-01 LYNNE SUGAR
001 2015-07-01 LYNNE SUGAR
001 2014-07-01 LYNNE SUGAR
001 2013-07-01 LYNNE SUGAR
001 2012-07-01 MARY HEAFY

Plan Statistics for THE ARC OF OPPORTUNITY IN NORTH CENTRAL MASSACHUSETTS 401K PROFIT SHARING PLAN AND TRUST

401k plan membership statisitcs for THE ARC OF OPPORTUNITY IN NORTH CENTRAL MASSACHUSETTS 401K PROFIT SHARING PLAN AND TRUST

Measure Date Value
2022: THE ARC OF OPPORTUNITY IN NORTH CENTRAL MASSACHUSETTS 401K PROFIT SHARING PLAN AND TRUST 2022 401k membership
Total participants, beginning-of-year 2022-07-01 389
Total number of active participants reported on line 7a of the Form 5500 2022-07-01 235
Number of retired or separated participants receiving benefits 2022-07-01 4
Number of other retired or separated participants entitled to future benefits 2022-07-01 191
Total of all active and inactive participants 2022-07-01 430
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits 2022-07-01 0
Total participants 2022-07-01 430
Number of participants with account balances 2022-07-01 367
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested 2022-07-01 28
2021: THE ARC OF OPPORTUNITY IN NORTH CENTRAL MASSACHUSETTS 401K PROFIT SHARING PLAN AND TRUST 2021 401k membership
Total participants, beginning-of-year 2021-07-01 378
Total number of active participants reported on line 7a of the Form 5500 2021-07-01 344
Number of retired or separated participants receiving benefits 2021-07-01 0
Number of other retired or separated participants entitled to future benefits 2021-07-01 69
Total of all active and inactive participants 2021-07-01 413
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits 2021-07-01 0
Total participants 2021-07-01 413
Number of participants with account balances 2021-07-01 343
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested 2021-07-01 56
2020: THE ARC OF OPPORTUNITY IN NORTH CENTRAL MASSACHUSETTS 401K PROFIT SHARING PLAN AND TRUST 2020 401k membership
Total participants, beginning-of-year 2020-07-01 339
Total number of active participants reported on line 7a of the Form 5500 2020-07-01 306
Number of retired or separated participants receiving benefits 2020-07-01 0
Number of other retired or separated participants entitled to future benefits 2020-07-01 72
Total of all active and inactive participants 2020-07-01 378
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits 2020-07-01 0
Total participants 2020-07-01 378
Number of participants with account balances 2020-07-01 342
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested 2020-07-01 5
2019: THE ARC OF OPPORTUNITY IN NORTH CENTRAL MASSACHUSETTS 401K PROFIT SHARING PLAN AND TRUST 2019 401k membership
Total participants, beginning-of-year 2019-07-01 308
Total number of active participants reported on line 7a of the Form 5500 2019-07-01 223
Number of retired or separated participants receiving benefits 2019-07-01 0
Number of other retired or separated participants entitled to future benefits 2019-07-01 116
Total of all active and inactive participants 2019-07-01 339
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits 2019-07-01 0
Total participants 2019-07-01 339
Number of participants with account balances 2019-07-01 275
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested 2019-07-01 0
2018: THE ARC OF OPPORTUNITY IN NORTH CENTRAL MASSACHUSETTS 401K PROFIT SHARING PLAN AND TRUST 2018 401k membership
Total participants, beginning-of-year 2018-07-01 300
Total number of active participants reported on line 7a of the Form 5500 2018-07-01 203
Number of retired or separated participants receiving benefits 2018-07-01 0
Number of other retired or separated participants entitled to future benefits 2018-07-01 105
Total of all active and inactive participants 2018-07-01 308
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits 2018-07-01 0
Total participants 2018-07-01 308
Number of participants with account balances 2018-07-01 243
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested 2018-07-01 11
2017: THE ARC OF OPPORTUNITY IN NORTH CENTRAL MASSACHUSETTS 401K PROFIT SHARING PLAN AND TRUST 2017 401k membership
Total participants, beginning-of-year 2017-07-01 219
Total number of active participants reported on line 7a of the Form 5500 2017-07-01 191
Number of retired or separated participants receiving benefits 2017-07-01 0
Number of other retired or separated participants entitled to future benefits 2017-07-01 109
Total of all active and inactive participants 2017-07-01 300
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits 2017-07-01 0
Total participants 2017-07-01 300
Number of participants with account balances 2017-07-01 222
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested 2017-07-01 14
2016: THE ARC OF OPPORTUNITY IN NORTH CENTRAL MASSACHUSETTS 401K PROFIT SHARING PLAN AND TRUST 2016 401k membership
Total participants, beginning-of-year 2016-07-01 211
Total number of active participants reported on line 7a of the Form 5500 2016-07-01 189
Number of retired or separated participants receiving benefits 2016-07-01 0
Number of other retired or separated participants entitled to future benefits 2016-07-01 30
Total of all active and inactive participants 2016-07-01 219
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits 2016-07-01 0
Total participants 2016-07-01 219
Number of participants with account balances 2016-07-01 197
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested 2016-07-01 8
2015: THE ARC OF OPPORTUNITY IN NORTH CENTRAL MASSACHUSETTS 401K PROFIT SHARING PLAN AND TRUST 2015 401k membership
Total participants, beginning-of-year 2015-07-01 268
Total number of active participants reported on line 7a of the Form 5500 2015-07-01 179
Number of retired or separated participants receiving benefits 2015-07-01 0
Number of other retired or separated participants entitled to future benefits 2015-07-01 32
Total of all active and inactive participants 2015-07-01 211
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits 2015-07-01 0
Total participants 2015-07-01 211
Number of participants with account balances 2015-07-01 194
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested 2015-07-01 12
2014: THE ARC OF OPPORTUNITY IN NORTH CENTRAL MASSACHUSETTS 401K PROFIT SHARING PLAN AND TRUST 2014 401k membership
Total participants, beginning-of-year 2014-07-01 205
Total number of active participants reported on line 7a of the Form 5500 2014-07-01 194
Number of retired or separated participants receiving benefits 2014-07-01 0
Number of other retired or separated participants entitled to future benefits 2014-07-01 74
Total of all active and inactive participants 2014-07-01 268
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits 2014-07-01 0
Total participants 2014-07-01 268
Number of participants with account balances 2014-07-01 199
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested 2014-07-01 7
2013: THE ARC OF OPPORTUNITY IN NORTH CENTRAL MASSACHUSETTS 401K PROFIT SHARING PLAN AND TRUST 2013 401k membership
Total participants, beginning-of-year 2013-07-01 225
Total number of active participants reported on line 7a of the Form 5500 2013-07-01 178
Number of retired or separated participants receiving benefits 2013-07-01 0
Number of other retired or separated participants entitled to future benefits 2013-07-01 27
Total of all active and inactive participants 2013-07-01 205
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits 2013-07-01 0
Total participants 2013-07-01 205
Number of participants with account balances 2013-07-01 203
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested 2013-07-01 8
2012: THE ARC OF OPPORTUNITY IN NORTH CENTRAL MASSACHUSETTS 401K PROFIT SHARING PLAN AND TRUST 2012 401k membership
Total participants, beginning-of-year 2012-07-01 270
Total number of active participants reported on line 7a of the Form 5500 2012-07-01 201
Number of retired or separated participants receiving benefits 2012-07-01 24
Number of other retired or separated participants entitled to future benefits 2012-07-01 0
Total of all active and inactive participants 2012-07-01 225
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits 2012-07-01 0
Total participants 2012-07-01 225
Number of participants with account balances 2012-07-01 225
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested 2012-07-01 16

Measure	Date	Value
2022: THE ARC OF OPPORTUNITY IN NORTH CENTRAL MASSACHUSETTS 401K PROFIT SHARING PLAN AND TRUST 2022 401k membership
Total participants, beginning-of-year	2022-07-01	389
Total number of active participants reported on line 7a of the Form 5500	2022-07-01	235
Number of retired or separated participants receiving benefits	2022-07-01	4
Number of other retired or separated participants entitled to future benefits	2022-07-01	191
Total of all active and inactive participants	2022-07-01	430
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits	2022-07-01	0
Total participants	2022-07-01	430
Number of participants with account balances	2022-07-01	367
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested	2022-07-01	28
2021: THE ARC OF OPPORTUNITY IN NORTH CENTRAL MASSACHUSETTS 401K PROFIT SHARING PLAN AND TRUST 2021 401k membership
Total participants, beginning-of-year	2021-07-01	378
Total number of active participants reported on line 7a of the Form 5500	2021-07-01	344
Number of retired or separated participants receiving benefits	2021-07-01	0
Number of other retired or separated participants entitled to future benefits	2021-07-01	69
Total of all active and inactive participants	2021-07-01	413
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits	2021-07-01	0
Total participants	2021-07-01	413
Number of participants with account balances	2021-07-01	343
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested	2021-07-01	56
2020: THE ARC OF OPPORTUNITY IN NORTH CENTRAL MASSACHUSETTS 401K PROFIT SHARING PLAN AND TRUST 2020 401k membership
Total participants, beginning-of-year	2020-07-01	339
Total number of active participants reported on line 7a of the Form 5500	2020-07-01	306
Number of retired or separated participants receiving benefits	2020-07-01	0
Number of other retired or separated participants entitled to future benefits	2020-07-01	72
Total of all active and inactive participants	2020-07-01	378
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits	2020-07-01	0
Total participants	2020-07-01	378
Number of participants with account balances	2020-07-01	342
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested	2020-07-01	5
2019: THE ARC OF OPPORTUNITY IN NORTH CENTRAL MASSACHUSETTS 401K PROFIT SHARING PLAN AND TRUST 2019 401k membership
Total participants, beginning-of-year	2019-07-01	308
Total number of active participants reported on line 7a of the Form 5500	2019-07-01	223
Number of retired or separated participants receiving benefits	2019-07-01	0
Number of other retired or separated participants entitled to future benefits	2019-07-01	116
Total of all active and inactive participants	2019-07-01	339
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits	2019-07-01	0
Total participants	2019-07-01	339
Number of participants with account balances	2019-07-01	275
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested	2019-07-01	0
2018: THE ARC OF OPPORTUNITY IN NORTH CENTRAL MASSACHUSETTS 401K PROFIT SHARING PLAN AND TRUST 2018 401k membership
Total participants, beginning-of-year	2018-07-01	300
Total number of active participants reported on line 7a of the Form 5500	2018-07-01	203
Number of retired or separated participants receiving benefits	2018-07-01	0
Number of other retired or separated participants entitled to future benefits	2018-07-01	105
Total of all active and inactive participants	2018-07-01	308
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits	2018-07-01	0
Total participants	2018-07-01	308
Number of participants with account balances	2018-07-01	243
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested	2018-07-01	11
2017: THE ARC OF OPPORTUNITY IN NORTH CENTRAL MASSACHUSETTS 401K PROFIT SHARING PLAN AND TRUST 2017 401k membership
Total participants, beginning-of-year	2017-07-01	219
Total number of active participants reported on line 7a of the Form 5500	2017-07-01	191
Number of retired or separated participants receiving benefits	2017-07-01	0
Number of other retired or separated participants entitled to future benefits	2017-07-01	109
Total of all active and inactive participants	2017-07-01	300
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits	2017-07-01	0
Total participants	2017-07-01	300
Number of participants with account balances	2017-07-01	222
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested	2017-07-01	14
2016: THE ARC OF OPPORTUNITY IN NORTH CENTRAL MASSACHUSETTS 401K PROFIT SHARING PLAN AND TRUST 2016 401k membership
Total participants, beginning-of-year	2016-07-01	211
Total number of active participants reported on line 7a of the Form 5500	2016-07-01	189
Number of retired or separated participants receiving benefits	2016-07-01	0
Number of other retired or separated participants entitled to future benefits	2016-07-01	30
Total of all active and inactive participants	2016-07-01	219
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits	2016-07-01	0
Total participants	2016-07-01	219
Number of participants with account balances	2016-07-01	197
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested	2016-07-01	8
2015: THE ARC OF OPPORTUNITY IN NORTH CENTRAL MASSACHUSETTS 401K PROFIT SHARING PLAN AND TRUST 2015 401k membership
Total participants, beginning-of-year	2015-07-01	268
Total number of active participants reported on line 7a of the Form 5500	2015-07-01	179
Number of retired or separated participants receiving benefits	2015-07-01	0
Number of other retired or separated participants entitled to future benefits	2015-07-01	32
Total of all active and inactive participants	2015-07-01	211
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits	2015-07-01	0
Total participants	2015-07-01	211
Number of participants with account balances	2015-07-01	194
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested	2015-07-01	12
2014: THE ARC OF OPPORTUNITY IN NORTH CENTRAL MASSACHUSETTS 401K PROFIT SHARING PLAN AND TRUST 2014 401k membership
Total participants, beginning-of-year	2014-07-01	205
Total number of active participants reported on line 7a of the Form 5500	2014-07-01	194
Number of retired or separated participants receiving benefits	2014-07-01	0
Number of other retired or separated participants entitled to future benefits	2014-07-01	74
Total of all active and inactive participants	2014-07-01	268
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits	2014-07-01	0
Total participants	2014-07-01	268
Number of participants with account balances	2014-07-01	199
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested	2014-07-01	7
2013: THE ARC OF OPPORTUNITY IN NORTH CENTRAL MASSACHUSETTS 401K PROFIT SHARING PLAN AND TRUST 2013 401k membership
Total participants, beginning-of-year	2013-07-01	225
Total number of active participants reported on line 7a of the Form 5500	2013-07-01	178
Number of retired or separated participants receiving benefits	2013-07-01	0
Number of other retired or separated participants entitled to future benefits	2013-07-01	27
Total of all active and inactive participants	2013-07-01	205
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits	2013-07-01	0
Total participants	2013-07-01	205
Number of participants with account balances	2013-07-01	203
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested	2013-07-01	8
2012: THE ARC OF OPPORTUNITY IN NORTH CENTRAL MASSACHUSETTS 401K PROFIT SHARING PLAN AND TRUST 2012 401k membership
Total participants, beginning-of-year	2012-07-01	270
Total number of active participants reported on line 7a of the Form 5500	2012-07-01	201
Number of retired or separated participants receiving benefits	2012-07-01	24
Number of other retired or separated participants entitled to future benefits	2012-07-01	0
Total of all active and inactive participants	2012-07-01	225
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits	2012-07-01	0
Total participants	2012-07-01	225
Number of participants with account balances	2012-07-01	225
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested	2012-07-01	16

Financial Data on THE ARC OF OPPORTUNITY IN NORTH CENTRAL MASSACHUSETTS 401K PROFIT SHARING PLAN AND TRUST

Measure	Date	Value
2023 : THE ARC OF OPPORTUNITY IN NORTH CENTRAL MASSACHUSETTS 401K PROFIT SHARING PLAN AND TRUST 2023 401k financial data
Total unrealized appreciation/depreciation of assets	2023-06-30	$0
Total liabilities at end of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2023-06-30	$0
Total liabilities at beginning of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2023-06-30	$0
Total income from all sources (including contributions)	2023-06-30	$1,206,336
Total loss/gain on sale of assets	2023-06-30	$0
Total of all expenses incurred	2023-06-30	$431,956
Benefit payments and payments to participlants,beneficiaries,insurance carriers and others	2023-06-30	$389,302
Expenses. Certain deemed distributions of participant loans	2023-06-30	$28,616
Total contributions o plan (from employers,participants, others, non cash contrinutions)	2023-06-30	$701,968
Value of total assets at end of year	2023-06-30	$5,183,500
Value of total assets at beginning of year	2023-06-30	$4,409,120
Total of administrative expenses incurred including professional, contract, advisory and management fees	2023-06-30	$14,038
Total interest from all sources	2023-06-30	$5,263
Total dividends received (eg from common stock, registered investment company shares)	2023-06-30	$0
Has a resolution to terminate the plan been adopted during the plan year or any prior plan year	2023-06-30	No
Was this plan covered by a fidelity bond	2023-06-30	Yes
Value of fidelity bond cover	2023-06-30	$500,000
If this is an individual account plan, was there a blackout period	2023-06-30	No
Were there any nonexempt tranactions with any party-in-interest	2023-06-30	No
Contributions received from participants	2023-06-30	$472,134
Participant contributions at end of year	2023-06-30	$97,659
Participant contributions at beginning of year	2023-06-30	$119,508
Participant contributions at end of year	2023-06-30	$0
Participant contributions at beginning of year	2023-06-30	$0
Income. Received or receivable in cash from other sources (including rollovers)	2023-06-30	$73,307
Other income not declared elsewhere	2023-06-30	$3,697
Total non interest bearing cash at end of year	2023-06-30	$1,222
Total non interest bearing cash at beginning of year	2023-06-30	$4,522
Did the receive any noncash contributions whose value was neither redily determinable on an established market nor set by an independent third party appraiser	2023-06-30	No
Value of net income/loss	2023-06-30	$774,380
Value of net assets at end of year (total assets less liabilities)	2023-06-30	$5,183,500
Value of net assets at beginning of year (total assets less liabilities)	2023-06-30	$4,409,120
Did the plan have a loss casued by fraud or dishonesty (regardless whether reimbursed by fidelity bond)	2023-06-30	No
Were any loans by the plan or fixed income obligations due to the plan in default	2023-06-30	No
Were any leases to which the plan was party in default or uncollectible	2023-06-30	No
Value of interest in pooled separate accounts at end of year	2023-06-30	$5,084,619
Value of interest in pooled separate accounts at beginning of year	2023-06-30	$4,283,615
Interest on participant loans	2023-06-30	$5,262
Interest earned on other investments	2023-06-30	$1
Value of funds held in insurance company general accounts (unallocated contracts) at end of year	2023-06-30	$0
Value of funds held in insurance company general accounts (unallocated contracts) at beginning of year	2023-06-30	$1,475
Net investment gain/loss from pooled separate accounts	2023-06-30	$495,408
Were any plan transactions or series of transactions in excess of 5% of the current value of the plan assets	2023-06-30	No
Was there a failure to transmit to the plan any participant contributions	2023-06-30	Yes
Has the plan failed to provide any benefit when due under the plan	2023-06-30	No
Contributions received in cash from employer	2023-06-30	$156,527
Employer contributions (assets) at end of year	2023-06-30	$0
Employer contributions (assets) at beginning of year	2023-06-30	$0
Benefit payments and payments to provide benefits directly to participlants or beneficiaries including direct rollovers	2023-06-30	$389,302
Contract administrator fees	2023-06-30	$14,038
Did the plan have assets held for investment	2023-06-30	Yes
Did the plan hold any assets whose current value was neither redily determinable on an established market nor set by an independent third party appraiser	2023-06-30	No
Were all the plan assets eitehr distributed to particpants/beneficiaries, transferred to another plan or brought under the control of the PBGC	2023-06-30	No
Opinion of an independent qualified public accountant for this plan	2023-06-30	Unqualified
Accountancy firm name	2023-06-30	CARON & BLETZER, PLLC
Accountancy firm EIN	2023-06-30	043499945
2022 : THE ARC OF OPPORTUNITY IN NORTH CENTRAL MASSACHUSETTS 401K PROFIT SHARING PLAN AND TRUST 2022 401k financial data
Total unrealized appreciation/depreciation of assets	2022-06-30	$0
Total liabilities at end of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2022-06-30	$0
Total liabilities at beginning of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2022-06-30	$0
Total income from all sources (including contributions)	2022-06-30	$-177,317
Total loss/gain on sale of assets	2022-06-30	$0
Total of all expenses incurred	2022-06-30	$419,757
Benefit payments and payments to participlants,beneficiaries,insurance carriers and others	2022-06-30	$406,905
Total contributions o plan (from employers,participants, others, non cash contrinutions)	2022-06-30	$567,676
Value of total assets at end of year	2022-06-30	$4,409,120
Value of total assets at beginning of year	2022-06-30	$5,006,194
Total of administrative expenses incurred including professional, contract, advisory and management fees	2022-06-30	$12,852
Total interest from all sources	2022-06-30	$6,056
Total dividends received (eg from common stock, registered investment company shares)	2022-06-30	$0
Has a resolution to terminate the plan been adopted during the plan year or any prior plan year	2022-06-30	No
Was this plan covered by a fidelity bond	2022-06-30	Yes
Value of fidelity bond cover	2022-06-30	$500,000
If this is an individual account plan, was there a blackout period	2022-06-30	No
Were there any nonexempt tranactions with any party-in-interest	2022-06-30	No
Contributions received from participants	2022-06-30	$405,222
Participant contributions at end of year	2022-06-30	$119,508
Participant contributions at beginning of year	2022-06-30	$118,076
Participant contributions at end of year	2022-06-30	$0
Participant contributions at beginning of year	2022-06-30	$0
Income. Received or receivable in cash from other sources (including rollovers)	2022-06-30	$20,594
Total non interest bearing cash at end of year	2022-06-30	$4,522
Total non interest bearing cash at beginning of year	2022-06-30	$709
Did the receive any noncash contributions whose value was neither redily determinable on an established market nor set by an independent third party appraiser	2022-06-30	No
Value of net income/loss	2022-06-30	$-597,074
Value of net assets at end of year (total assets less liabilities)	2022-06-30	$4,409,120
Value of net assets at beginning of year (total assets less liabilities)	2022-06-30	$5,006,194
Did the plan have a loss casued by fraud or dishonesty (regardless whether reimbursed by fidelity bond)	2022-06-30	No
Were any loans by the plan or fixed income obligations due to the plan in default	2022-06-30	No
Were any leases to which the plan was party in default or uncollectible	2022-06-30	No
Value of interest in pooled separate accounts at end of year	2022-06-30	$4,283,615
Value of interest in pooled separate accounts at beginning of year	2022-06-30	$4,886,566
Interest on participant loans	2022-06-30	$6,052
Interest earned on other investments	2022-06-30	$4
Value of funds held in insurance company general accounts (unallocated contracts) at end of year	2022-06-30	$1,475
Value of funds held in insurance company general accounts (unallocated contracts) at beginning of year	2022-06-30	$843
Net investment gain/loss from pooled separate accounts	2022-06-30	$-751,049
Were any plan transactions or series of transactions in excess of 5% of the current value of the plan assets	2022-06-30	No
Was there a failure to transmit to the plan any participant contributions	2022-06-30	Yes
Has the plan failed to provide any benefit when due under the plan	2022-06-30	No
Contributions received in cash from employer	2022-06-30	$141,860
Employer contributions (assets) at end of year	2022-06-30	$0
Employer contributions (assets) at beginning of year	2022-06-30	$0
Benefit payments and payments to provide benefits directly to participlants or beneficiaries including direct rollovers	2022-06-30	$406,905
Contract administrator fees	2022-06-30	$12,852
Did the plan have assets held for investment	2022-06-30	Yes
Did the plan hold any assets whose current value was neither redily determinable on an established market nor set by an independent third party appraiser	2022-06-30	No
Were all the plan assets eitehr distributed to particpants/beneficiaries, transferred to another plan or brought under the control of the PBGC	2022-06-30	No
Opinion of an independent qualified public accountant for this plan	2022-06-30	Unqualified
Accountancy firm name	2022-06-30	CARON & BLETZER, PLLC
Accountancy firm EIN	2022-06-30	043499945
2021 : THE ARC OF OPPORTUNITY IN NORTH CENTRAL MASSACHUSETTS 401K PROFIT SHARING PLAN AND TRUST 2021 401k financial data
Total unrealized appreciation/depreciation of assets	2021-06-30	$0
Total liabilities at end of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2021-06-30	$0
Total liabilities at beginning of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2021-06-30	$0
Total income from all sources (including contributions)	2021-06-30	$1,775,999
Total loss/gain on sale of assets	2021-06-30	$0
Total of all expenses incurred	2021-06-30	$712,581
Benefit payments and payments to participlants,beneficiaries,insurance carriers and others	2021-06-30	$700,414
Total contributions o plan (from employers,participants, others, non cash contrinutions)	2021-06-30	$511,049
Value of total assets at end of year	2021-06-30	$5,006,194
Value of total assets at beginning of year	2021-06-30	$3,942,776
Total of administrative expenses incurred including professional, contract, advisory and management fees	2021-06-30	$12,167
Total interest from all sources	2021-06-30	$3,967
Total dividends received (eg from common stock, registered investment company shares)	2021-06-30	$0
Has a resolution to terminate the plan been adopted during the plan year or any prior plan year	2021-06-30	No
Was this plan covered by a fidelity bond	2021-06-30	Yes
Value of fidelity bond cover	2021-06-30	$500,000
If this is an individual account plan, was there a blackout period	2021-06-30	No
Total value of distributions paid in property other than in cash, annuity contracts, or publicly traded employer securities	2021-06-30	$0
Were there any nonexempt tranactions with any party-in-interest	2021-06-30	No
Contributions received from participants	2021-06-30	$338,830
Participant contributions at end of year	2021-06-30	$118,076
Participant contributions at beginning of year	2021-06-30	$37,138
Participant contributions at end of year	2021-06-30	$0
Participant contributions at beginning of year	2021-06-30	$0
Income. Received or receivable in cash from other sources (including rollovers)	2021-06-30	$36,292
Total non interest bearing cash at end of year	2021-06-30	$709
Total non interest bearing cash at beginning of year	2021-06-30	$15
Did the receive any noncash contributions whose value was neither redily determinable on an established market nor set by an independent third party appraiser	2021-06-30	No
Value of net income/loss	2021-06-30	$1,063,418
Value of net assets at end of year (total assets less liabilities)	2021-06-30	$5,006,194
Value of net assets at beginning of year (total assets less liabilities)	2021-06-30	$3,942,776
Did the plan have a loss casued by fraud or dishonesty (regardless whether reimbursed by fidelity bond)	2021-06-30	No
Were any loans by the plan or fixed income obligations due to the plan in default	2021-06-30	No
Were any leases to which the plan was party in default or uncollectible	2021-06-30	No
Value of interest in pooled separate accounts at end of year	2021-06-30	$4,886,566
Value of interest in pooled separate accounts at beginning of year	2021-06-30	$3,904,431
Interest on participant loans	2021-06-30	$3,965
Interest earned on other investments	2021-06-30	$2
Value of funds held in insurance company general accounts (unallocated contracts) at end of year	2021-06-30	$843
Value of funds held in insurance company general accounts (unallocated contracts) at beginning of year	2021-06-30	$0
Net investment gain/loss from pooled separate accounts	2021-06-30	$1,260,983
Were any plan transactions or series of transactions in excess of 5% of the current value of the plan assets	2021-06-30	No
Was there a failure to transmit to the plan any participant contributions	2021-06-30	No
Has the plan failed to provide any benefit when due under the plan	2021-06-30	No
Contributions received in cash from employer	2021-06-30	$135,927
Employer contributions (assets) at end of year	2021-06-30	$0
Employer contributions (assets) at beginning of year	2021-06-30	$1,192
Benefit payments and payments to provide benefits directly to participlants or beneficiaries including direct rollovers	2021-06-30	$700,414
Contract administrator fees	2021-06-30	$12,167
Did the plan have assets held for investment	2021-06-30	Yes
Did the plan hold any assets whose current value was neither redily determinable on an established market nor set by an independent third party appraiser	2021-06-30	No
Were all the plan assets eitehr distributed to particpants/beneficiaries, transferred to another plan or brought under the control of the PBGC	2021-06-30	No
Opinion of an independent qualified public accountant for this plan	2021-06-30	Unqualified
Accountancy firm name	2021-06-30	CARON & BLETZER, PLLC
Accountancy firm EIN	2021-06-30	043499945
2020 : THE ARC OF OPPORTUNITY IN NORTH CENTRAL MASSACHUSETTS 401K PROFIT SHARING PLAN AND TRUST 2020 401k financial data
Total unrealized appreciation/depreciation of assets	2020-06-30	$0
Total liabilities at end of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2020-06-30	$0
Total liabilities at beginning of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2020-06-30	$0
Total income from all sources (including contributions)	2020-06-30	$581,772
Total loss/gain on sale of assets	2020-06-30	$0
Total of all expenses incurred	2020-06-30	$753,066
Benefit payments and payments to participlants,beneficiaries,insurance carriers and others	2020-06-30	$738,458
Expenses. Certain deemed distributions of participant loans	2020-06-30	$4,349
Total contributions o plan (from employers,participants, others, non cash contrinutions)	2020-06-30	$421,038
Value of total assets at end of year	2020-06-30	$3,942,776
Value of total assets at beginning of year	2020-06-30	$4,114,070
Total of administrative expenses incurred including professional, contract, advisory and management fees	2020-06-30	$10,259
Total interest from all sources	2020-06-30	$2,504
Total dividends received (eg from common stock, registered investment company shares)	2020-06-30	$0
Has a resolution to terminate the plan been adopted during the plan year or any prior plan year	2020-06-30	No
Was this plan covered by a fidelity bond	2020-06-30	Yes
Value of fidelity bond cover	2020-06-30	$500,000
If this is an individual account plan, was there a blackout period	2020-06-30	No
Were there any nonexempt tranactions with any party-in-interest	2020-06-30	No
Contributions received from participants	2020-06-30	$285,878
Participant contributions at end of year	2020-06-30	$37,138
Participant contributions at beginning of year	2020-06-30	$37,360
Participant contributions at end of year	2020-06-30	$0
Participant contributions at beginning of year	2020-06-30	$0
Income. Received or receivable in cash from other sources (including rollovers)	2020-06-30	$5,810
Total non interest bearing cash at end of year	2020-06-30	$15
Total non interest bearing cash at beginning of year	2020-06-30	$59
Did the receive any noncash contributions whose value was neither redily determinable on an established market nor set by an independent third party appraiser	2020-06-30	No
Value of net income/loss	2020-06-30	$-171,294
Value of net assets at end of year (total assets less liabilities)	2020-06-30	$3,942,776
Value of net assets at beginning of year (total assets less liabilities)	2020-06-30	$4,114,070
Did the plan have a loss casued by fraud or dishonesty (regardless whether reimbursed by fidelity bond)	2020-06-30	No
Were any loans by the plan or fixed income obligations due to the plan in default	2020-06-30	No
Were any leases to which the plan was party in default or uncollectible	2020-06-30	No
Value of interest in pooled separate accounts at end of year	2020-06-30	$3,904,431
Value of interest in pooled separate accounts at beginning of year	2020-06-30	$4,071,363
Interest on participant loans	2020-06-30	$2,440
Interest earned on other investments	2020-06-30	$64
Value of funds held in insurance company general accounts (unallocated contracts) at end of year	2020-06-30	$0
Value of funds held in insurance company general accounts (unallocated contracts) at beginning of year	2020-06-30	$5,288
Net investment gain/loss from pooled separate accounts	2020-06-30	$158,230
Were any plan transactions or series of transactions in excess of 5% of the current value of the plan assets	2020-06-30	No
Was there a failure to transmit to the plan any participant contributions	2020-06-30	No
Has the plan failed to provide any benefit when due under the plan	2020-06-30	No
Contributions received in cash from employer	2020-06-30	$129,350
Employer contributions (assets) at end of year	2020-06-30	$1,192
Employer contributions (assets) at beginning of year	2020-06-30	$0
Benefit payments and payments to provide benefits directly to participlants or beneficiaries including direct rollovers	2020-06-30	$738,458
Contract administrator fees	2020-06-30	$10,259
Did the plan have assets held for investment	2020-06-30	Yes
Did the plan hold any assets whose current value was neither redily determinable on an established market nor set by an independent third party appraiser	2020-06-30	No
Were all the plan assets eitehr distributed to particpants/beneficiaries, transferred to another plan or brought under the control of the PBGC	2020-06-30	No
Accountant perfomed limited scope audit pursuant to 29 CFR 2520.103-8 and/or 103-12(d)	2020-06-30	Yes
Opinion of an independent qualified public accountant for this plan	2020-06-30	Disclaimer
Accountancy firm name	2020-06-30	CARON & BLETZER, PLLC
Accountancy firm EIN	2020-06-30	043499945
2019 : THE ARC OF OPPORTUNITY IN NORTH CENTRAL MASSACHUSETTS 401K PROFIT SHARING PLAN AND TRUST 2019 401k financial data
Total unrealized appreciation/depreciation of assets	2019-06-30	$0
Total liabilities at end of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2019-06-30	$0
Total liabilities at beginning of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2019-06-30	$0
Total income from all sources (including contributions)	2019-06-30	$556,716
Total loss/gain on sale of assets	2019-06-30	$0
Total of all expenses incurred	2019-06-30	$371,317
Benefit payments and payments to participlants,beneficiaries,insurance carriers and others	2019-06-30	$350,978
Expenses. Certain deemed distributions of participant loans	2019-06-30	$10,119
Total contributions o plan (from employers,participants, others, non cash contrinutions)	2019-06-30	$358,639
Value of total assets at end of year	2019-06-30	$4,114,070
Value of total assets at beginning of year	2019-06-30	$3,928,671
Total of administrative expenses incurred including professional, contract, advisory and management fees	2019-06-30	$10,220
Total interest from all sources	2019-06-30	$2,916
Total dividends received (eg from common stock, registered investment company shares)	2019-06-30	$0
Has a resolution to terminate the plan been adopted during the plan year or any prior plan year	2019-06-30	No
Administrative expenses professional fees incurred	2019-06-30	$10,220
Was this plan covered by a fidelity bond	2019-06-30	Yes
Value of fidelity bond cover	2019-06-30	$400,000
If this is an individual account plan, was there a blackout period	2019-06-30	No
Total value of distributions paid in property other than in cash, annuity contracts, or publicly traded employer securities	2019-06-30	$0
Were there any nonexempt tranactions with any party-in-interest	2019-06-30	No
Contributions received from participants	2019-06-30	$247,226
Participant contributions at end of year	2019-06-30	$37,360
Participant contributions at beginning of year	2019-06-30	$65,460
Participant contributions at end of year	2019-06-30	$0
Participant contributions at beginning of year	2019-06-30	$4,729
Income. Received or receivable in cash from other sources (including rollovers)	2019-06-30	$3,883
Total non interest bearing cash at end of year	2019-06-30	$59
Total non interest bearing cash at beginning of year	2019-06-30	$2,260
Did the receive any noncash contributions whose value was neither redily determinable on an established market nor set by an independent third party appraiser	2019-06-30	No
Value of net income/loss	2019-06-30	$185,399
Value of net assets at end of year (total assets less liabilities)	2019-06-30	$4,114,070
Value of net assets at beginning of year (total assets less liabilities)	2019-06-30	$3,928,671
Did the plan have a loss casued by fraud or dishonesty (regardless whether reimbursed by fidelity bond)	2019-06-30	No
Were any loans by the plan or fixed income obligations due to the plan in default	2019-06-30	No
Were any leases to which the plan was party in default or uncollectible	2019-06-30	No
Value of interest in pooled separate accounts at end of year	2019-06-30	$4,071,363
Value of interest in pooled separate accounts at beginning of year	2019-06-30	$3,848,979
Interest on participant loans	2019-06-30	$2,851
Interest earned on other investments	2019-06-30	$65
Value of funds held in insurance company general accounts (unallocated contracts) at end of year	2019-06-30	$5,288
Value of funds held in insurance company general accounts (unallocated contracts) at beginning of year	2019-06-30	$5,232
Net investment gain/loss from pooled separate accounts	2019-06-30	$195,161
Were any plan transactions or series of transactions in excess of 5% of the current value of the plan assets	2019-06-30	No
Was there a failure to transmit to the plan any participant contributions	2019-06-30	Yes
Has the plan failed to provide any benefit when due under the plan	2019-06-30	No
Contributions received in cash from employer	2019-06-30	$107,530
Employer contributions (assets) at end of year	2019-06-30	$0
Employer contributions (assets) at beginning of year	2019-06-30	$2,011
Benefit payments and payments to provide benefits directly to participlants or beneficiaries including direct rollovers	2019-06-30	$350,978
Did the plan have assets held for investment	2019-06-30	Yes
Did the plan hold any assets whose current value was neither redily determinable on an established market nor set by an independent third party appraiser	2019-06-30	No
Were all the plan assets eitehr distributed to particpants/beneficiaries, transferred to another plan or brought under the control of the PBGC	2019-06-30	No
Accountant perfomed limited scope audit pursuant to 29 CFR 2520.103-8 and/or 103-12(d)	2019-06-30	Yes
Opinion of an independent qualified public accountant for this plan	2019-06-30	Disclaimer
Accountancy firm name	2019-06-30	CARON & BLETZER, PLLC
Accountancy firm EIN	2019-06-30	043499945
2018 : THE ARC OF OPPORTUNITY IN NORTH CENTRAL MASSACHUSETTS 401K PROFIT SHARING PLAN AND TRUST 2018 401k financial data
Total unrealized appreciation/depreciation of assets	2018-06-30	$0
Total liabilities at end of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2018-06-30	$0
Total liabilities at beginning of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2018-06-30	$0
Total income from all sources (including contributions)	2018-06-30	$695,635
Total loss/gain on sale of assets	2018-06-30	$0
Total of all expenses incurred	2018-06-30	$335,029
Benefit payments and payments to participlants,beneficiaries,insurance carriers and others	2018-06-30	$313,778
Expenses. Certain deemed distributions of participant loans	2018-06-30	$10,967
Total contributions o plan (from employers,participants, others, non cash contrinutions)	2018-06-30	$396,051
Value of total assets at end of year	2018-06-30	$3,928,671
Value of total assets at beginning of year	2018-06-30	$3,568,065
Total of administrative expenses incurred including professional, contract, advisory and management fees	2018-06-30	$10,284
Total interest from all sources	2018-06-30	$3,680
Total dividends received (eg from common stock, registered investment company shares)	2018-06-30	$0
Has a resolution to terminate the plan been adopted during the plan year or any prior plan year	2018-06-30	No
Administrative expenses professional fees incurred	2018-06-30	$10,284
Was this plan covered by a fidelity bond	2018-06-30	Yes
Value of fidelity bond cover	2018-06-30	$400,000
If this is an individual account plan, was there a blackout period	2018-06-30	No
Total value of distributions paid in property other than in cash, annuity contracts, or publicly traded employer securities	2018-06-30	$0
Were there any nonexempt tranactions with any party-in-interest	2018-06-30	No
Contributions received from participants	2018-06-30	$259,120
Participant contributions at end of year	2018-06-30	$65,460
Participant contributions at beginning of year	2018-06-30	$84,813
Participant contributions at end of year	2018-06-30	$4,729
Participant contributions at beginning of year	2018-06-30	$5,154
Income. Received or receivable in cash from other sources (including rollovers)	2018-06-30	$31,974
Total non interest bearing cash at end of year	2018-06-30	$2,260
Total non interest bearing cash at beginning of year	2018-06-30	$595
Did the receive any noncash contributions whose value was neither redily determinable on an established market nor set by an independent third party appraiser	2018-06-30	No
Value of net income/loss	2018-06-30	$360,606
Value of net assets at end of year (total assets less liabilities)	2018-06-30	$3,928,671
Value of net assets at beginning of year (total assets less liabilities)	2018-06-30	$3,568,065
Did the plan have a loss casued by fraud or dishonesty (regardless whether reimbursed by fidelity bond)	2018-06-30	No
Were any loans by the plan or fixed income obligations due to the plan in default	2018-06-30	No
Were any leases to which the plan was party in default or uncollectible	2018-06-30	No
Value of interest in pooled separate accounts at end of year	2018-06-30	$3,848,979
Value of interest in pooled separate accounts at beginning of year	2018-06-30	$3,470,282
Interest on participant loans	2018-06-30	$3,680
Value of funds held in insurance company general accounts (unallocated contracts) at end of year	2018-06-30	$5,232
Value of funds held in insurance company general accounts (unallocated contracts) at beginning of year	2018-06-30	$5,172
Net investment gain/loss from pooled separate accounts	2018-06-30	$295,904
Were any plan transactions or series of transactions in excess of 5% of the current value of the plan assets	2018-06-30	No
Was there a failure to transmit to the plan any participant contributions	2018-06-30	Yes
Has the plan failed to provide any benefit when due under the plan	2018-06-30	No
Contributions received in cash from employer	2018-06-30	$104,957
Employer contributions (assets) at end of year	2018-06-30	$2,011
Employer contributions (assets) at beginning of year	2018-06-30	$2,049
Benefit payments and payments to provide benefits directly to participlants or beneficiaries including direct rollovers	2018-06-30	$313,778
Did the plan have assets held for investment	2018-06-30	Yes
Did the plan hold any assets whose current value was neither redily determinable on an established market nor set by an independent third party appraiser	2018-06-30	No
Were all the plan assets eitehr distributed to particpants/beneficiaries, transferred to another plan or brought under the control of the PBGC	2018-06-30	No
Accountant perfomed limited scope audit pursuant to 29 CFR 2520.103-8 and/or 103-12(d)	2018-06-30	Yes
Opinion of an independent qualified public accountant for this plan	2018-06-30	Disclaimer
Accountancy firm name	2018-06-30	CARON & BLETZER, PLLC
Accountancy firm EIN	2018-06-30	043499945
2017 : THE ARC OF OPPORTUNITY IN NORTH CENTRAL MASSACHUSETTS 401K PROFIT SHARING PLAN AND TRUST 2017 401k financial data
Total unrealized appreciation/depreciation of assets	2017-06-30	$0
Total liabilities at end of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2017-06-30	$0
Total liabilities at beginning of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2017-06-30	$0
Total income from all sources (including contributions)	2017-06-30	$923,709
Total loss/gain on sale of assets	2017-06-30	$0
Total of all expenses incurred	2017-06-30	$471,791
Benefit payments and payments to participlants,beneficiaries,insurance carriers and others	2017-06-30	$428,174
Expenses. Certain deemed distributions of participant loans	2017-06-30	$34,001
Total contributions o plan (from employers,participants, others, non cash contrinutions)	2017-06-30	$477,777
Value of total assets at end of year	2017-06-30	$3,568,065
Value of total assets at beginning of year	2017-06-30	$3,116,147
Total of administrative expenses incurred including professional, contract, advisory and management fees	2017-06-30	$9,616
Total interest from all sources	2017-06-30	$5,504
Total dividends received (eg from common stock, registered investment company shares)	2017-06-30	$0
Has a resolution to terminate the plan been adopted during the plan year or any prior plan year	2017-06-30	No
Administrative expenses professional fees incurred	2017-06-30	$9,616
Was this plan covered by a fidelity bond	2017-06-30	Yes
Value of fidelity bond cover	2017-06-30	$360,000
If this is an individual account plan, was there a blackout period	2017-06-30	No
Were there any nonexempt tranactions with any party-in-interest	2017-06-30	No
Contributions received from participants	2017-06-30	$250,053
Participant contributions at end of year	2017-06-30	$84,813
Participant contributions at beginning of year	2017-06-30	$114,582
Participant contributions at end of year	2017-06-30	$5,154
Participant contributions at beginning of year	2017-06-30	$0
Income. Received or receivable in cash from other sources (including rollovers)	2017-06-30	$123,726
Total non interest bearing cash at end of year	2017-06-30	$595
Total non interest bearing cash at beginning of year	2017-06-30	$655
Did the receive any noncash contributions whose value was neither redily determinable on an established market nor set by an independent third party appraiser	2017-06-30	No
Value of net income/loss	2017-06-30	$451,918
Value of net assets at end of year (total assets less liabilities)	2017-06-30	$3,568,065
Value of net assets at beginning of year (total assets less liabilities)	2017-06-30	$3,116,147
Did the plan have a loss casued by fraud or dishonesty (regardless whether reimbursed by fidelity bond)	2017-06-30	No
Were any loans by the plan or fixed income obligations due to the plan in default	2017-06-30	No
Were any leases to which the plan was party in default or uncollectible	2017-06-30	No
Value of interest in pooled separate accounts at end of year	2017-06-30	$3,470,282
Value of interest in pooled separate accounts at beginning of year	2017-06-30	$2,994,510
Interest on participant loans	2017-06-30	$5,504
Value of funds held in insurance company general accounts (unallocated contracts) at end of year	2017-06-30	$5,172
Value of funds held in insurance company general accounts (unallocated contracts) at beginning of year	2017-06-30	$6,400
Net investment gain/loss from pooled separate accounts	2017-06-30	$440,428
Were any plan transactions or series of transactions in excess of 5% of the current value of the plan assets	2017-06-30	No
Was there a failure to transmit to the plan any participant contributions	2017-06-30	No
Has the plan failed to provide any benefit when due under the plan	2017-06-30	No
Contributions received in cash from employer	2017-06-30	$103,998
Employer contributions (assets) at end of year	2017-06-30	$2,049
Employer contributions (assets) at beginning of year	2017-06-30	$0
Benefit payments and payments to provide benefits directly to participlants or beneficiaries including direct rollovers	2017-06-30	$428,174
Did the plan have assets held for investment	2017-06-30	Yes
Did the plan hold any assets whose current value was neither redily determinable on an established market nor set by an independent third party appraiser	2017-06-30	No
Were all the plan assets eitehr distributed to particpants/beneficiaries, transferred to another plan or brought under the control of the PBGC	2017-06-30	No
Accountant perfomed limited scope audit pursuant to 29 CFR 2520.103-8 and/or 103-12(d)	2017-06-30	Yes
Opinion of an independent qualified public accountant for this plan	2017-06-30	Disclaimer
Accountancy firm name	2017-06-30	CARON & BLETZER, PLLC
Accountancy firm EIN	2017-06-30	043499945
2016 : THE ARC OF OPPORTUNITY IN NORTH CENTRAL MASSACHUSETTS 401K PROFIT SHARING PLAN AND TRUST 2016 401k financial data
Total unrealized appreciation/depreciation of assets	2016-06-30	$0
Total liabilities at end of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2016-06-30	$0
Total liabilities at beginning of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2016-06-30	$0
Total income from all sources (including contributions)	2016-06-30	$278,880
Total loss/gain on sale of assets	2016-06-30	$0
Total of all expenses incurred	2016-06-30	$516,329
Benefit payments and payments to participlants,beneficiaries,insurance carriers and others	2016-06-30	$451,931
Expenses. Certain deemed distributions of participant loans	2016-06-30	$55,208
Total contributions o plan (from employers,participants, others, non cash contrinutions)	2016-06-30	$329,243
Value of total assets at end of year	2016-06-30	$3,116,147
Value of total assets at beginning of year	2016-06-30	$3,353,596
Total of administrative expenses incurred including professional, contract, advisory and management fees	2016-06-30	$9,190
Total interest from all sources	2016-06-30	$5,977
Total dividends received (eg from common stock, registered investment company shares)	2016-06-30	$0
Has a resolution to terminate the plan been adopted during the plan year or any prior plan year	2016-06-30	No
Administrative expenses professional fees incurred	2016-06-30	$9,190
Was this plan covered by a fidelity bond	2016-06-30	Yes
Value of fidelity bond cover	2016-06-30	$350,000
If this is an individual account plan, was there a blackout period	2016-06-30	No
Total value of distributions paid in property other than in cash, annuity contracts, or publicly traded employer securities	2016-06-30	$0
Were there any nonexempt tranactions with any party-in-interest	2016-06-30	No
Contributions received from participants	2016-06-30	$210,469
Participant contributions at end of year	2016-06-30	$114,582
Participant contributions at beginning of year	2016-06-30	$139,010
Participant contributions at end of year	2016-06-30	$0
Participant contributions at beginning of year	2016-06-30	$3,984
Income. Received or receivable in cash from other sources (including rollovers)	2016-06-30	$11,953
Total non interest bearing cash at end of year	2016-06-30	$655
Total non interest bearing cash at beginning of year	2016-06-30	$929
Did the receive any noncash contributions whose value was neither redily determinable on an established market nor set by an independent third party appraiser	2016-06-30	No
Value of net income/loss	2016-06-30	$-237,449
Value of net assets at end of year (total assets less liabilities)	2016-06-30	$3,116,147
Value of net assets at beginning of year (total assets less liabilities)	2016-06-30	$3,353,596
Did the plan have a loss casued by fraud or dishonesty (regardless whether reimbursed by fidelity bond)	2016-06-30	No
Were any loans by the plan or fixed income obligations due to the plan in default	2016-06-30	No
Were any leases to which the plan was party in default or uncollectible	2016-06-30	No
Value of interest in pooled separate accounts at end of year	2016-06-30	$2,994,510
Value of interest in pooled separate accounts at beginning of year	2016-06-30	$3,201,503
Interest on participant loans	2016-06-30	$5,858
Interest earned on other investments	2016-06-30	$119
Value of funds held in insurance company general accounts (unallocated contracts) at end of year	2016-06-30	$6,400
Value of funds held in insurance company general accounts (unallocated contracts) at beginning of year	2016-06-30	$6,297
Net investment gain/loss from pooled separate accounts	2016-06-30	$-56,340
Were any plan transactions or series of transactions in excess of 5% of the current value of the plan assets	2016-06-30	No
Was there a failure to transmit to the plan any participant contributions	2016-06-30	Yes
Has the plan failed to provide any benefit when due under the plan	2016-06-30	No
Contributions received in cash from employer	2016-06-30	$106,821
Employer contributions (assets) at end of year	2016-06-30	$0
Employer contributions (assets) at beginning of year	2016-06-30	$1,873
Benefit payments and payments to provide benefits directly to participlants or beneficiaries including direct rollovers	2016-06-30	$451,931
Did the plan have assets held for investment	2016-06-30	Yes
Did the plan hold any assets whose current value was neither redily determinable on an established market nor set by an independent third party appraiser	2016-06-30	No
Were all the plan assets eitehr distributed to particpants/beneficiaries, transferred to another plan or brought under the control of the PBGC	2016-06-30	No
Accountant perfomed limited scope audit pursuant to 29 CFR 2520.103-8 and/or 103-12(d)	2016-06-30	Yes
Opinion of an independent qualified public accountant for this plan	2016-06-30	Disclaimer
Accountancy firm name	2016-06-30	CARON & BLETZER, PLLC
Accountancy firm EIN	2016-06-30	043499945
2015 : THE ARC OF OPPORTUNITY IN NORTH CENTRAL MASSACHUSETTS 401K PROFIT SHARING PLAN AND TRUST 2015 401k financial data
Total unrealized appreciation/depreciation of assets	2015-06-30	$0
Total liabilities at end of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2015-06-30	$0
Total liabilities at beginning of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2015-06-30	$0
Total income from all sources (including contributions)	2015-06-30	$470,213
Total loss/gain on sale of assets	2015-06-30	$0
Total of all expenses incurred	2015-06-30	$606,971
Benefit payments and payments to participlants,beneficiaries,insurance carriers and others	2015-06-30	$577,583
Expenses. Certain deemed distributions of participant loans	2015-06-30	$19,534
Total contributions o plan (from employers,participants, others, non cash contrinutions)	2015-06-30	$384,243
Value of total assets at end of year	2015-06-30	$3,353,596
Value of total assets at beginning of year	2015-06-30	$3,490,354
Total of administrative expenses incurred including professional, contract, advisory and management fees	2015-06-30	$9,854
Total interest from all sources	2015-06-30	$7,150
Total dividends received (eg from common stock, registered investment company shares)	2015-06-30	$0
Has a resolution to terminate the plan been adopted during the plan year or any prior plan year	2015-06-30	No
Administrative expenses professional fees incurred	2015-06-30	$9,854
Was this plan covered by a fidelity bond	2015-06-30	Yes
Value of fidelity bond cover	2015-06-30	$350,000
If this is an individual account plan, was there a blackout period	2015-06-30	No
Total value of distributions paid in property other than in cash, annuity contracts, or publicly traded employer securities	2015-06-30	$0
Were there any nonexempt tranactions with any party-in-interest	2015-06-30	No
Contributions received from participants	2015-06-30	$276,825
Participant contributions at end of year	2015-06-30	$139,010
Participant contributions at beginning of year	2015-06-30	$147,477
Participant contributions at end of year	2015-06-30	$3,984
Participant contributions at beginning of year	2015-06-30	$4,854
Income. Received or receivable in cash from other sources (including rollovers)	2015-06-30	$10,987
Total non interest bearing cash at end of year	2015-06-30	$929
Total non interest bearing cash at beginning of year	2015-06-30	$9,453
Did the receive any noncash contributions whose value was neither redily determinable on an established market nor set by an independent third party appraiser	2015-06-30	No
Value of net income/loss	2015-06-30	$-136,758
Value of net assets at end of year (total assets less liabilities)	2015-06-30	$3,353,596
Value of net assets at beginning of year (total assets less liabilities)	2015-06-30	$3,490,354
Did the plan have a loss casued by fraud or dishonesty (regardless whether reimbursed by fidelity bond)	2015-06-30	No
Were any loans by the plan or fixed income obligations due to the plan in default	2015-06-30	No
Were any leases to which the plan was party in default or uncollectible	2015-06-30	No
Value of interest in pooled separate accounts at end of year	2015-06-30	$3,201,503
Value of interest in pooled separate accounts at beginning of year	2015-06-30	$3,319,631
Interest on participant loans	2015-06-30	$6,595
Interest earned on other investments	2015-06-30	$555
Value of funds held in insurance company general accounts (unallocated contracts) at end of year	2015-06-30	$6,297
Value of funds held in insurance company general accounts (unallocated contracts) at beginning of year	2015-06-30	$6,110
Net investment gain/loss from pooled separate accounts	2015-06-30	$78,820
Were any plan transactions or series of transactions in excess of 5% of the current value of the plan assets	2015-06-30	No
Was there a failure to transmit to the plan any participant contributions	2015-06-30	Yes
Has the plan failed to provide any benefit when due under the plan	2015-06-30	No
Contributions received in cash from employer	2015-06-30	$96,431
Employer contributions (assets) at end of year	2015-06-30	$1,873
Employer contributions (assets) at beginning of year	2015-06-30	$2,829
Benefit payments and payments to provide benefits directly to participlants or beneficiaries including direct rollovers	2015-06-30	$577,583
Did the plan have assets held for investment	2015-06-30	Yes
Did the plan hold any assets whose current value was neither redily determinable on an established market nor set by an independent third party appraiser	2015-06-30	No
Were all the plan assets eitehr distributed to particpants/beneficiaries, transferred to another plan or brought under the control of the PBGC	2015-06-30	No
Accountant perfomed limited scope audit pursuant to 29 CFR 2520.103-8 and/or 103-12(d)	2015-06-30	Yes
Opinion of an independent qualified public accountant for this plan	2015-06-30	Disclaimer
Accountancy firm name	2015-06-30	CARON & BLETZER, PLLC
Accountancy firm EIN	2015-06-30	043499945
2014 : THE ARC OF OPPORTUNITY IN NORTH CENTRAL MASSACHUSETTS 401K PROFIT SHARING PLAN AND TRUST 2014 401k financial data
Total unrealized appreciation/depreciation of assets	2014-06-30	$0
Total liabilities at end of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2014-06-30	$0
Total liabilities at beginning of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2014-06-30	$0
Total income from all sources (including contributions)	2014-06-30	$809,253
Total loss/gain on sale of assets	2014-06-30	$0
Total of all expenses incurred	2014-06-30	$390,761
Benefit payments and payments to participlants,beneficiaries,insurance carriers and others	2014-06-30	$381,677
Total contributions o plan (from employers,participants, others, non cash contrinutions)	2014-06-30	$299,009
Value of total assets at end of year	2014-06-30	$3,490,354
Value of total assets at beginning of year	2014-06-30	$3,071,862
Total of administrative expenses incurred including professional, contract, advisory and management fees	2014-06-30	$9,084
Total interest from all sources	2014-06-30	$5,449
Total dividends received (eg from common stock, registered investment company shares)	2014-06-30	$0
Has a resolution to terminate the plan been adopted during the plan year or any prior plan year	2014-06-30	No
Was this plan covered by a fidelity bond	2014-06-30	Yes
Value of fidelity bond cover	2014-06-30	$350,000
If this is an individual account plan, was there a blackout period	2014-06-30	No
Total value of distributions paid in property other than in cash, annuity contracts, or publicly traded employer securities	2014-06-30	$0
Were there any nonexempt tranactions with any party-in-interest	2014-06-30	No
Contributions received from participants	2014-06-30	$206,079
Participant contributions at end of year	2014-06-30	$147,477
Participant contributions at beginning of year	2014-06-30	$96,819
Participant contributions at end of year	2014-06-30	$4,854
Participant contributions at beginning of year	2014-06-30	$0
Total non interest bearing cash at end of year	2014-06-30	$9,453
Total non interest bearing cash at beginning of year	2014-06-30	$4,112
Did the receive any noncash contributions whose value was neither redily determinable on an established market nor set by an independent third party appraiser	2014-06-30	No
Value of net income/loss	2014-06-30	$418,492
Value of net assets at end of year (total assets less liabilities)	2014-06-30	$3,490,354
Value of net assets at beginning of year (total assets less liabilities)	2014-06-30	$3,071,862
Did the plan have a loss casued by fraud or dishonesty (regardless whether reimbursed by fidelity bond)	2014-06-30	No
Were any loans by the plan or fixed income obligations due to the plan in default	2014-06-30	No
Were any leases to which the plan was party in default or uncollectible	2014-06-30	No
Investment advisory and management fees	2014-06-30	$8,082
Value of interest in pooled separate accounts at end of year	2014-06-30	$3,319,631
Value of interest in pooled separate accounts at beginning of year	2014-06-30	$2,965,002
Interest on participant loans	2014-06-30	$5,252
Interest earned on other investments	2014-06-30	$197
Value of funds held in insurance company general accounts (unallocated contracts) at end of year	2014-06-30	$6,110
Value of funds held in insurance company general accounts (unallocated contracts) at beginning of year	2014-06-30	$5,929
Net investment gain/loss from pooled separate accounts	2014-06-30	$504,795
Were any plan transactions or series of transactions in excess of 5% of the current value of the plan assets	2014-06-30	No
Was there a failure to transmit to the plan any participant contributions	2014-06-30	No
Has the plan failed to provide any benefit when due under the plan	2014-06-30	No
Contributions received in cash from employer	2014-06-30	$92,930
Employer contributions (assets) at end of year	2014-06-30	$2,829
Employer contributions (assets) at beginning of year	2014-06-30	$0
Benefit payments and payments to provide benefits directly to participlants or beneficiaries including direct rollovers	2014-06-30	$381,677
Contract administrator fees	2014-06-30	$1,002
Did the plan have assets held for investment	2014-06-30	Yes
Did the plan hold any assets whose current value was neither redily determinable on an established market nor set by an independent third party appraiser	2014-06-30	No
Were all the plan assets eitehr distributed to particpants/beneficiaries, transferred to another plan or brought under the control of the PBGC	2014-06-30	No
Accountant perfomed limited scope audit pursuant to 29 CFR 2520.103-8 and/or 103-12(d)	2014-06-30	Yes
Opinion of an independent qualified public accountant for this plan	2014-06-30	Disclaimer
Accountancy firm name	2014-06-30	CARON & BLETZER, PLLC
Accountancy firm EIN	2014-06-30	043499945
2013 : THE ARC OF OPPORTUNITY IN NORTH CENTRAL MASSACHUSETTS 401K PROFIT SHARING PLAN AND TRUST 2013 401k financial data
Total unrealized appreciation/depreciation of assets	2013-06-30	$0
Total liabilities at end of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2013-06-30	$0
Total liabilities at beginning of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2013-06-30	$0
Total income from all sources (including contributions)	2013-06-30	$628,197
Total loss/gain on sale of assets	2013-06-30	$0
Total of all expenses incurred	2013-06-30	$337,233
Benefit payments and payments to participlants,beneficiaries,insurance carriers and others	2013-06-30	$256,826
Expenses. Certain deemed distributions of participant loans	2013-06-30	$71,818
Total contributions o plan (from employers,participants, others, non cash contrinutions)	2013-06-30	$259,693
Value of total assets at end of year	2013-06-30	$3,071,862
Value of total assets at beginning of year	2013-06-30	$2,780,898
Total of administrative expenses incurred including professional, contract, advisory and management fees	2013-06-30	$8,589
Total interest from all sources	2013-06-30	$5,420
Total dividends received (eg from common stock, registered investment company shares)	2013-06-30	$0
Has a resolution to terminate the plan been adopted during the plan year or any prior plan year	2013-06-30	No
Was this plan covered by a fidelity bond	2013-06-30	Yes
Value of fidelity bond cover	2013-06-30	$310,000
If this is an individual account plan, was there a blackout period	2013-06-30	No
Total value of distributions paid in property other than in cash, annuity contracts, or publicly traded employer securities	2013-06-30	$0
Were there any nonexempt tranactions with any party-in-interest	2013-06-30	No
Contributions received from participants	2013-06-30	$178,158
Participant contributions at end of year	2013-06-30	$96,819
Participant contributions at beginning of year	2013-06-30	$123,952
Income. Received or receivable in cash from other sources (including rollovers)	2013-06-30	$42
Total non interest bearing cash at end of year	2013-06-30	$4,112
Total non interest bearing cash at beginning of year	2013-06-30	$5,299
Did the receive any noncash contributions whose value was neither redily determinable on an established market nor set by an independent third party appraiser	2013-06-30	No
Value of net income/loss	2013-06-30	$290,964
Value of net assets at end of year (total assets less liabilities)	2013-06-30	$3,071,862
Value of net assets at beginning of year (total assets less liabilities)	2013-06-30	$2,780,898
Did the plan have a loss casued by fraud or dishonesty (regardless whether reimbursed by fidelity bond)	2013-06-30	No
Were any loans by the plan or fixed income obligations due to the plan in default	2013-06-30	No
Were any leases to which the plan was party in default or uncollectible	2013-06-30	No
Value of interest in pooled separate accounts at end of year	2013-06-30	$2,965,002
Value of interest in pooled separate accounts at beginning of year	2013-06-30	$2,645,894
Interest on participant loans	2013-06-30	$5,230
Interest earned on other investments	2013-06-30	$190
Value of funds held in insurance company general accounts (unallocated contracts) at end of year	2013-06-30	$5,929
Value of funds held in insurance company general accounts (unallocated contracts) at beginning of year	2013-06-30	$5,753
Net investment gain/loss from pooled separate accounts	2013-06-30	$363,084
Were any plan transactions or series of transactions in excess of 5% of the current value of the plan assets	2013-06-30	No
Was there a failure to transmit to the plan any participant contributions	2013-06-30	No
Has the plan failed to provide any benefit when due under the plan	2013-06-30	No
Contributions received in cash from employer	2013-06-30	$81,493
Benefit payments and payments to provide benefits directly to participlants or beneficiaries including direct rollovers	2013-06-30	$256,826
Contract administrator fees	2013-06-30	$8,589
Did the plan have assets held for investment	2013-06-30	Yes
Did the plan hold any assets whose current value was neither redily determinable on an established market nor set by an independent third party appraiser	2013-06-30	No
Were all the plan assets eitehr distributed to particpants/beneficiaries, transferred to another plan or brought under the control of the PBGC	2013-06-30	No
Accountant perfomed limited scope audit pursuant to 29 CFR 2520.103-8 and/or 103-12(d)	2013-06-30	Yes
Opinion of an independent qualified public accountant for this plan	2013-06-30	Disclaimer
Accountancy firm name	2013-06-30	BRUCE D NORLING, CPA, PC
Accountancy firm EIN	2013-06-30	043147371

Form 5500 Responses for THE ARC OF OPPORTUNITY IN NORTH CENTRAL MASSACHUSETTS 401K PROFIT SHARING PLAN AND TRUST

2022: THE ARC OF OPPORTUNITY IN NORTH CENTRAL MASSACHUSETTS 401K PROFIT SHARING PLAN AND TRUST 2022 form 5500 responses
2022-07-01	Type of plan entity	Single employer plan
2022-07-01	Submission has been amended	No
2022-07-01	This submission is the final filing	No
2022-07-01	This return/report is a short plan year return/report (less than 12 months)	No
2022-07-01	Plan is a collectively bargained plan	No
2022-07-01	Plan funding arrangement – Insurance	Yes
2022-07-01	Plan funding arrangement – Trust	Yes
2022-07-01	Plan benefit arrangement – Insurance	Yes
2022-07-01	Plan benefit arrangement - Trust	Yes
2021: THE ARC OF OPPORTUNITY IN NORTH CENTRAL MASSACHUSETTS 401K PROFIT SHARING PLAN AND TRUST 2021 form 5500 responses
2021-07-01	Type of plan entity	Single employer plan
2021-07-01	Submission has been amended	No
2021-07-01	This submission is the final filing	No
2021-07-01	This return/report is a short plan year return/report (less than 12 months)	No
2021-07-01	Plan is a collectively bargained plan	No
2021-07-01	Plan funding arrangement – Insurance	Yes
2021-07-01	Plan funding arrangement – Trust	Yes
2021-07-01	Plan benefit arrangement – Insurance	Yes
2021-07-01	Plan benefit arrangement - Trust	Yes
2020: THE ARC OF OPPORTUNITY IN NORTH CENTRAL MASSACHUSETTS 401K PROFIT SHARING PLAN AND TRUST 2020 form 5500 responses
2020-07-01	Type of plan entity	Single employer plan
2020-07-01	Submission has been amended	No
2020-07-01	This submission is the final filing	No
2020-07-01	This return/report is a short plan year return/report (less than 12 months)	No
2020-07-01	Plan is a collectively bargained plan	No
2020-07-01	Plan funding arrangement – Insurance	Yes
2020-07-01	Plan funding arrangement – Trust	Yes
2020-07-01	Plan benefit arrangement – Insurance	Yes
2020-07-01	Plan benefit arrangement - Trust	Yes
2019: THE ARC OF OPPORTUNITY IN NORTH CENTRAL MASSACHUSETTS 401K PROFIT SHARING PLAN AND TRUST 2019 form 5500 responses
2019-07-01	Type of plan entity	Single employer plan
2019-07-01	Submission has been amended	No
2019-07-01	This submission is the final filing	No
2019-07-01	This return/report is a short plan year return/report (less than 12 months)	No
2019-07-01	Plan is a collectively bargained plan	No
2019-07-01	Plan funding arrangement – Insurance	Yes
2019-07-01	Plan funding arrangement – Trust	Yes
2019-07-01	Plan benefit arrangement – Insurance	Yes
2019-07-01	Plan benefit arrangement - Trust	Yes
2018: THE ARC OF OPPORTUNITY IN NORTH CENTRAL MASSACHUSETTS 401K PROFIT SHARING PLAN AND TRUST 2018 form 5500 responses
2018-07-01	Type of plan entity	Single employer plan
2018-07-01	Submission has been amended	No
2018-07-01	This submission is the final filing	No
2018-07-01	This return/report is a short plan year return/report (less than 12 months)	No
2018-07-01	Plan is a collectively bargained plan	No
2018-07-01	Plan funding arrangement – Insurance	Yes
2018-07-01	Plan funding arrangement – Trust	Yes
2018-07-01	Plan benefit arrangement – Insurance	Yes
2018-07-01	Plan benefit arrangement - Trust	Yes
2017: THE ARC OF OPPORTUNITY IN NORTH CENTRAL MASSACHUSETTS 401K PROFIT SHARING PLAN AND TRUST 2017 form 5500 responses
2017-07-01	Type of plan entity	Single employer plan
2017-07-01	Submission has been amended	No
2017-07-01	This submission is the final filing	No
2017-07-01	This return/report is a short plan year return/report (less than 12 months)	No
2017-07-01	Plan is a collectively bargained plan	No
2017-07-01	Plan funding arrangement – Insurance	Yes
2017-07-01	Plan funding arrangement – Trust	Yes
2017-07-01	Plan benefit arrangement – Insurance	Yes
2017-07-01	Plan benefit arrangement - Trust	Yes
2016: THE ARC OF OPPORTUNITY IN NORTH CENTRAL MASSACHUSETTS 401K PROFIT SHARING PLAN AND TRUST 2016 form 5500 responses
2016-07-01	Type of plan entity	Single employer plan
2016-07-01	Submission has been amended	No
2016-07-01	This submission is the final filing	No
2016-07-01	This return/report is a short plan year return/report (less than 12 months)	No
2016-07-01	Plan is a collectively bargained plan	No
2016-07-01	Plan funding arrangement – Insurance	Yes
2016-07-01	Plan funding arrangement – Trust	Yes
2016-07-01	Plan benefit arrangement – Insurance	Yes
2016-07-01	Plan benefit arrangement - Trust	Yes
2015: THE ARC OF OPPORTUNITY IN NORTH CENTRAL MASSACHUSETTS 401K PROFIT SHARING PLAN AND TRUST 2015 form 5500 responses
2015-07-01	Type of plan entity	Single employer plan
2015-07-01	Submission has been amended	No
2015-07-01	This submission is the final filing	No
2015-07-01	This return/report is a short plan year return/report (less than 12 months)	No
2015-07-01	Plan is a collectively bargained plan	No
2015-07-01	Plan funding arrangement – Insurance	Yes
2015-07-01	Plan funding arrangement – Trust	Yes
2015-07-01	Plan benefit arrangement – Insurance	Yes
2015-07-01	Plan benefit arrangement - Trust	Yes
2014: THE ARC OF OPPORTUNITY IN NORTH CENTRAL MASSACHUSETTS 401K PROFIT SHARING PLAN AND TRUST 2014 form 5500 responses
2014-07-01	Type of plan entity	Single employer plan
2014-07-01	Submission has been amended	No
2014-07-01	This submission is the final filing	No
2014-07-01	This return/report is a short plan year return/report (less than 12 months)	No
2014-07-01	Plan is a collectively bargained plan	No
2014-07-01	Plan funding arrangement – Insurance	Yes
2014-07-01	Plan funding arrangement – Trust	Yes
2014-07-01	Plan benefit arrangement – Insurance	Yes
2014-07-01	Plan benefit arrangement - Trust	Yes
2013: THE ARC OF OPPORTUNITY IN NORTH CENTRAL MASSACHUSETTS 401K PROFIT SHARING PLAN AND TRUST 2013 form 5500 responses
2013-07-01	Type of plan entity	Single employer plan
2013-07-01	Submission has been amended	No
2013-07-01	This submission is the final filing	No
2013-07-01	This return/report is a short plan year return/report (less than 12 months)	No
2013-07-01	Plan is a collectively bargained plan	No
2013-07-01	Plan funding arrangement – Insurance	Yes
2013-07-01	Plan funding arrangement – Trust	Yes
2013-07-01	Plan benefit arrangement – Insurance	Yes
2013-07-01	Plan benefit arrangement - Trust	Yes
2012: THE ARC OF OPPORTUNITY IN NORTH CENTRAL MASSACHUSETTS 401K PROFIT SHARING PLAN AND TRUST 2012 form 5500 responses
2012-07-01	Type of plan entity	Single employer plan
2012-07-01	Submission has been amended	No
2012-07-01	This submission is the final filing	No
2012-07-01	This return/report is a short plan year return/report (less than 12 months)	No
2012-07-01	Plan is a collectively bargained plan	No
2012-07-01	Plan funding arrangement – Insurance	Yes
2012-07-01	Plan funding arrangement – Trust	Yes
2012-07-01	Plan benefit arrangement – Insurance	Yes
2012-07-01	Plan benefit arrangement - Trust	Yes

Insurance Providers Used on plan

JOHN HANCOCK LIFE INSURANCE COMPANY (U.S.A.) (National Association of Insurance Commissioners NAIC id number: 65838 )

Policy contract number

45509

Policy instance

Insurance contract or identification number	45509
Number of Individuals Covered	378
Insurance policy start date	2022-07-01
Insurance policy end date	2023-06-30
Total amount of commissions paid to insurance broker	USD $0
Total amount of fees paid to insurance company	USD $15,019
Are there contracts with allocated funds for individual policies?	0
Are there contracts with allocated funds for group deferred annuity?	No
Are there contracts with allocated funds for types other than group deferred annuity or individual?	No
Contract purchased, in whole or in part, to distribute benefits from a terminating plan	No
Contracts With Unallocated Funds Deposit Administration	0
Are there contracts with unallocated funds for contracts of type immediate participation guarantee?	No
Are there contracts with unallocated funds for contracts of type guaranteed investment?	No
Are there contracts with unallocated funds for contract types other than deposit administration, immediate participation guarantee or guaranteed investment?	No
Health Insurance Welfare Benefit	No
Dental Insurance Welfare Benefit	No
Vision Insurance Welfare Benefit	No
Life Insurance Welfare Benefit	No
Temporary Disability Insurance Welfare Benefit	No
Long Term Disability Insurance Welfare Benefit	No
Unemployment Insurance Welfare Benefit	No
Were dividends or retroactive rate refunds paid in cash?	No
Were dividends or retroactive rate refunds paid as a credit?	No
Did the insurance company fail to provide any information necessary to complete Schedule A of form 5500?	No
Amount paid for insurance broker fees	12694
Additional information about fees paid to insurance broker	BROKER COMMISSION
Insurance broker organization code?	3

JOHN HANCOCK LIFE INSURANCE COMPANY (U.S.A.) (National Association of Insurance Commissioners NAIC id number: 65838 )

Policy contract number

45509

Policy instance

Insurance contract or identification number	45509
Number of Individuals Covered	353
Insurance policy start date	2021-07-01
Insurance policy end date	2022-06-30
Total amount of commissions paid to insurance broker	USD $0
Total amount of fees paid to insurance company	USD $15,047
Are there contracts with allocated funds for individual policies?	0
Are there contracts with allocated funds for group deferred annuity?	No
Are there contracts with allocated funds for types other than group deferred annuity or individual?	No
Contract purchased, in whole or in part, to distribute benefits from a terminating plan	No
Contracts With Unallocated Funds Deposit Administration	0
Are there contracts with unallocated funds for contracts of type immediate participation guarantee?	No
Are there contracts with unallocated funds for contracts of type guaranteed investment?	No
Are there contracts with unallocated funds for contract types other than deposit administration, immediate participation guarantee or guaranteed investment?	No
Health Insurance Welfare Benefit	No
Dental Insurance Welfare Benefit	No
Vision Insurance Welfare Benefit	No
Life Insurance Welfare Benefit	No
Temporary Disability Insurance Welfare Benefit	No
Long Term Disability Insurance Welfare Benefit	No
Unemployment Insurance Welfare Benefit	No
Were dividends or retroactive rate refunds paid in cash?	No
Were dividends or retroactive rate refunds paid as a credit?	No
Did the insurance company fail to provide any information necessary to complete Schedule A of form 5500?	No
Amount paid for insurance broker fees	12450
Additional information about fees paid to insurance broker	BROKER COMMISSION
Insurance broker organization code?	3

JOHN HANCOCK LIFE INSURANCE COMPANY (U.S.A.) (National Association of Insurance Commissioners NAIC id number: 65838 )

Policy contract number

45509

Policy instance

Insurance contract or identification number	45509
Number of Individuals Covered	313
Insurance policy start date	2020-07-01
Insurance policy end date	2021-06-30
Total amount of commissions paid to insurance broker	USD $0
Total amount of fees paid to insurance company	USD $13,831
Are there contracts with allocated funds for individual policies?	0
Are there contracts with allocated funds for group deferred annuity?	No
Are there contracts with allocated funds for types other than group deferred annuity or individual?	No
Contract purchased, in whole or in part, to distribute benefits from a terminating plan	No
Contracts With Unallocated Funds Deposit Administration	0
Are there contracts with unallocated funds for contracts of type immediate participation guarantee?	No
Are there contracts with unallocated funds for contracts of type guaranteed investment?	No
Are there contracts with unallocated funds for contract types other than deposit administration, immediate participation guarantee or guaranteed investment?	No
Health Insurance Welfare Benefit	No
Dental Insurance Welfare Benefit	No
Vision Insurance Welfare Benefit	No
Life Insurance Welfare Benefit	No
Temporary Disability Insurance Welfare Benefit	No
Long Term Disability Insurance Welfare Benefit	No
Unemployment Insurance Welfare Benefit	No
Were dividends or retroactive rate refunds paid in cash?	No
Were dividends or retroactive rate refunds paid as a credit?	No
Did the insurance company fail to provide any information necessary to complete Schedule A of form 5500?	No
Amount paid for insurance broker fees	11524
Additional information about fees paid to insurance broker	BROKER COMMISSION
Insurance broker organization code?	3

JOHN HANCOCK LIFE INSURANCE COMPANY (U.S.A.) (National Association of Insurance Commissioners NAIC id number: 65838 )

Policy contract number

45509

Policy instance

Insurance contract or identification number	45509
Number of Individuals Covered	294
Insurance policy start date	2019-07-01
Insurance policy end date	2020-06-30
Total amount of commissions paid to insurance broker	USD $0
Total amount of fees paid to insurance company	USD $11,031
Are there contracts with allocated funds for individual policies?	0
Are there contracts with allocated funds for group deferred annuity?	No
Are there contracts with allocated funds for types other than group deferred annuity or individual?	No
Contract purchased, in whole or in part, to distribute benefits from a terminating plan	No
Contracts With Unallocated Funds Deposit Administration	0
Are there contracts with unallocated funds for contracts of type immediate participation guarantee?	No
Are there contracts with unallocated funds for contracts of type guaranteed investment?	No
Are there contracts with unallocated funds for contract types other than deposit administration, immediate participation guarantee or guaranteed investment?	No
Health Insurance Welfare Benefit	No
Dental Insurance Welfare Benefit	No
Vision Insurance Welfare Benefit	No
Life Insurance Welfare Benefit	No
Temporary Disability Insurance Welfare Benefit	No
Long Term Disability Insurance Welfare Benefit	No
Unemployment Insurance Welfare Benefit	No
Were dividends or retroactive rate refunds paid in cash?	No
Were dividends or retroactive rate refunds paid as a credit?	No
Did the insurance company fail to provide any information necessary to complete Schedule A of form 5500?	No
Amount paid for insurance broker fees	9048
Additional information about fees paid to insurance broker	BROKER COMMISSION
Insurance broker organization code?	3

JOHN HANCOCK LIFE INSURANCE COMPANY (U.S.A.) (National Association of Insurance Commissioners NAIC id number: 65838 )

Policy contract number

45509

Policy instance

Insurance contract or identification number	45509
Number of Individuals Covered	254
Insurance policy start date	2018-07-01
Insurance policy end date	2019-06-30
Total amount of commissions paid to insurance broker	USD $0
Total amount of fees paid to insurance company	USD $11,668
Are there contracts with allocated funds for individual policies?	0
Are there contracts with allocated funds for group deferred annuity?	No
Are there contracts with allocated funds for types other than group deferred annuity or individual?	No
Contract purchased, in whole or in part, to distribute benefits from a terminating plan	No
Contracts With Unallocated Funds Deposit Administration	0
Are there contracts with unallocated funds for contracts of type immediate participation guarantee?	No
Are there contracts with unallocated funds for contracts of type guaranteed investment?	No
Are there contracts with unallocated funds for contract types other than deposit administration, immediate participation guarantee or guaranteed investment?	No
Health Insurance Welfare Benefit	No
Dental Insurance Welfare Benefit	No
Vision Insurance Welfare Benefit	No
Life Insurance Welfare Benefit	No
Temporary Disability Insurance Welfare Benefit	No
Long Term Disability Insurance Welfare Benefit	No
Unemployment Insurance Welfare Benefit	No
Were dividends or retroactive rate refunds paid in cash?	No
Were dividends or retroactive rate refunds paid as a credit?	No
Did the insurance company fail to provide any information necessary to complete Schedule A of form 5500?	No
Amount paid for insurance broker fees	9729
Additional information about fees paid to insurance broker	BROKER COMMISSION
Insurance broker organization code?	3

JOHN HANCOCK LIFE INSURANCE COMPANY (U.S.A.) (National Association of Insurance Commissioners NAIC id number: 65838 )

Policy contract number

45509

Policy instance

Insurance contract or identification number	45509
Number of Individuals Covered	235
Insurance policy start date	2017-07-01
Insurance policy end date	2018-06-30
Total amount of commissions paid to insurance broker	USD $0
Total amount of fees paid to insurance company	USD $11,362
Are there contracts with allocated funds for individual policies?	0
Are there contracts with allocated funds for group deferred annuity?	No
Are there contracts with allocated funds for types other than group deferred annuity or individual?	No
Contract purchased, in whole or in part, to distribute benefits from a terminating plan	No
Contracts With Unallocated Funds Deposit Administration	0
Are there contracts with unallocated funds for contracts of type immediate participation guarantee?	No
Are there contracts with unallocated funds for contracts of type guaranteed investment?	No
Are there contracts with unallocated funds for contract types other than deposit administration, immediate participation guarantee or guaranteed investment?	No
Health Insurance Welfare Benefit	No
Dental Insurance Welfare Benefit	No
Vision Insurance Welfare Benefit	No
Life Insurance Welfare Benefit	No
Temporary Disability Insurance Welfare Benefit	No
Long Term Disability Insurance Welfare Benefit	No
Unemployment Insurance Welfare Benefit	No
Were dividends or retroactive rate refunds paid in cash?	No
Were dividends or retroactive rate refunds paid as a credit?	No
Did the insurance company fail to provide any information necessary to complete Schedule A of form 5500?	No

JOHN HANCOCK LIFE INSURANCE COMPANY (U.S.A.) (National Association of Insurance Commissioners NAIC id number: 65838 )

Policy contract number

45509

Policy instance

Insurance contract or identification number	45509
Number of Individuals Covered	210
Insurance policy start date	2015-07-01
Insurance policy end date	2016-06-30
Total amount of commissions paid to insurance broker	USD $0
Total amount of fees paid to insurance company	USD $9,580
Are there contracts with allocated funds for individual policies?	No
Are there contracts with allocated funds for group deferred annuity?	No
Are there contracts with allocated funds for types other than group deferred annuity or individual?	No
Contract purchased, in whole or in part, to distribute benefits from a terminating plan	No
Contracts With Unallocated Funds Deposit Administration	0
Are there contracts with unallocated funds for contracts of type immediate participation guarantee?	No
Are there contracts with unallocated funds for contracts of type guaranteed investment?	No
Are there contracts with unallocated funds for contract types other than deposit administration, immediate participation guarantee or guaranteed investment?	No
Health Insurance Welfare Benefit	No
Dental Insurance Welfare Benefit	No
Vision Insurance Welfare Benefit	No
Life Insurance Welfare Benefit	No
Temporary Disability Insurance Welfare Benefit	No
Long Term Disability Insurance Welfare Benefit	No
Unemployment Insurance Welfare Benefit	No
Were dividends or retroactive rate refunds paid in cash?	No
Were dividends or retroactive rate refunds paid as a credit?	No
Did the insurance company fail to provide any information necessary to complete Schedule A of form 5500?	No
Amount paid for insurance broker fees	7883
Additional information about fees paid to insurance broker	BROKER COMMISSION
Insurance broker organization code?	3
Insurance broker name	HACKLER ASSOCIATES, INC.

JOHN HANCOCK LIFE INSURANCE COMPANY (U.S.A.) (National Association of Insurance Commissioners NAIC id number: 65838 )

Policy contract number

45509

Policy instance

Insurance contract or identification number	45509
Number of Individuals Covered	211
Insurance policy start date	2014-07-01
Insurance policy end date	2015-06-30
Total amount of commissions paid to insurance broker	USD $0
Total amount of fees paid to insurance company	USD $8,728
Are there contracts with allocated funds for individual policies?	No
Are there contracts with allocated funds for group deferred annuity?	No
Are there contracts with allocated funds for types other than group deferred annuity or individual?	No
Contract purchased, in whole or in part, to distribute benefits from a terminating plan	No
Contracts With Unallocated Funds Deposit Administration	0
Are there contracts with unallocated funds for contracts of type immediate participation guarantee?	No
Are there contracts with unallocated funds for contracts of type guaranteed investment?	No
Are there contracts with unallocated funds for contract types other than deposit administration, immediate participation guarantee or guaranteed investment?	No
Health Insurance Welfare Benefit	No
Dental Insurance Welfare Benefit	No
Vision Insurance Welfare Benefit	No
Life Insurance Welfare Benefit	No
Temporary Disability Insurance Welfare Benefit	No
Long Term Disability Insurance Welfare Benefit	No
Unemployment Insurance Welfare Benefit	No
Were dividends or retroactive rate refunds paid in cash?	No
Were dividends or retroactive rate refunds paid as a credit?	No
Did the insurance company fail to provide any information necessary to complete Schedule A of form 5500?	No
Amount paid for insurance broker fees	8728
Additional information about fees paid to insurance broker	BROKER COMMISSION
Insurance broker organization code?	3
Insurance broker name	LPL FINANCIAL CORPORATION

JOHN HANCOCK LIFE INSURANCE COMPANY (U.S.A.) (National Association of Insurance Commissioners NAIC id number: 65838 )

Policy contract number

45509

Policy instance

Insurance contract or identification number	45509
Number of Individuals Covered	213
Insurance policy start date	2013-07-01
Insurance policy end date	2014-06-30
Total amount of commissions paid to insurance broker	USD $1,568
Total amount of fees paid to insurance company	USD $7,322
Are there contracts with allocated funds for individual policies?	No
Are there contracts with allocated funds for group deferred annuity?	No
Are there contracts with allocated funds for types other than group deferred annuity or individual?	No
Contract purchased, in whole or in part, to distribute benefits from a terminating plan	No
Contracts With Unallocated Funds Deposit Administration	0
Are there contracts with unallocated funds for contracts of type immediate participation guarantee?	No
Are there contracts with unallocated funds for contracts of type guaranteed investment?	No
Are there contracts with unallocated funds for contract types other than deposit administration, immediate participation guarantee or guaranteed investment?	No
Health Insurance Welfare Benefit	No
Dental Insurance Welfare Benefit	No
Vision Insurance Welfare Benefit	No
Life Insurance Welfare Benefit	No
Temporary Disability Insurance Welfare Benefit	No
Long Term Disability Insurance Welfare Benefit	No
Unemployment Insurance Welfare Benefit	No
Were dividends or retroactive rate refunds paid in cash?	No
Were dividends or retroactive rate refunds paid as a credit?	No
Did the insurance company fail to provide any information necessary to complete Schedule A of form 5500?	No
Amount paid for insurance broker fees	7322
Additional information about fees paid to insurance broker	BROKER COMMISSION
Insurance broker organization code?	3
Commission paid to Insurance Broker	USD $1,568
Insurance broker name	HACKLER ASSOCIATES, INC.

JOHN HANCOCK LIFE INSURANCE COMPANY (U.S.A.) (National Association of Insurance Commissioners NAIC id number: 65838 )

Policy contract number

45509

Policy instance

Insurance contract or identification number	45509
Number of Individuals Covered	234
Insurance policy start date	2012-07-01
Insurance policy end date	2013-06-30
Total amount of commissions paid to insurance broker	USD $0
Total amount of fees paid to insurance company	USD $8,589
Are there contracts with allocated funds for individual policies?	No
Are there contracts with allocated funds for group deferred annuity?	No
Are there contracts with allocated funds for types other than group deferred annuity or individual?	No
Contract purchased, in whole or in part, to distribute benefits from a terminating plan	No
Contracts With Unallocated Funds Deposit Administration	0
Are there contracts with unallocated funds for contracts of type immediate participation guarantee?	No
Are there contracts with unallocated funds for contracts of type guaranteed investment?	No
Are there contracts with unallocated funds for contract types other than deposit administration, immediate participation guarantee or guaranteed investment?	No
Health Insurance Welfare Benefit	No
Dental Insurance Welfare Benefit	No
Vision Insurance Welfare Benefit	No
Life Insurance Welfare Benefit	No
Temporary Disability Insurance Welfare Benefit	No
Long Term Disability Insurance Welfare Benefit	No
Unemployment Insurance Welfare Benefit	No
Were dividends or retroactive rate refunds paid in cash?	No
Were dividends or retroactive rate refunds paid as a credit?	No
Did the insurance company fail to provide any information necessary to complete Schedule A of form 5500?	No
Amount paid for insurance broker fees	8589
Additional information about fees paid to insurance broker	BROKER COMMISSION
Insurance broker organization code?	3
Insurance broker name	LPL FINANCIAL CORPORATION

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Company Name:	THE ARC OF OPPORTUNITY IN NORTH CENTRAL MASSACHUSETTS, INC.
Employer identification number (EIN):	042226199
NAIC Classification:	624100
NAIC Description:	Individual and Family Services