The Arc Of Opportunity In North Central Massachusetts Inc 401(k) Plan: Login, Facts & Contact Information

The Arc Of Opportunity In North Central Massachusetts Inc 401(k) Plan Facts

Plan name
THE ARC OF OPPORTUNITY IN NORTH CENTRAL MASSACHUSETTS 401K PROFIT SHARING PLAN AND TRUST
Plan type
401(k)
Plan sponsor
THE ARC OF OPPORTUNITY IN NORTH CENTRAL MASSACHUSETTS INC
Participants
508 (293 active employees)
Former employees with a balance
228
Plan assets
$7,002,184 at Jun 30, 2025
Average account balance
$15,630 across 448 accounts
Employer contributions
$292,556 in plan year 2024 (32% of all contributions)
Recordkeeper
John Hancock Life Insurance Co.
Plan year
Jul 1, 2024 – Jun 30, 2025
Plan established
Jan 1, 1989
— Employer contributions— Automatic enrollment— Default investment for undecided participants✓ Participants choose their own investments— Self-directed brokerage window— Profit sharing— Company stock (ESOP)

Source: Form 5500 for plan year 2024 (Jul 1, 2024 – Jun 30, 2025), filed Apr 22, 2026. Public filing with the U.S. Department of Labor.

Money in and out in plan year 2024

  • $906,764 went into the plan in contributions, $292,556 of it from the employer (32%).
  • $768,637 was paid out to participants.
  • Investment and other income added $829,944.
  • Administrative expenses were $22,537, about $50 per account.

How the The Arc Of Opportunity In North Central Massachusetts Inc 401(k) changed, 2019–2024

Plan yearParticipantsPlan assetsEmployer contributionsBenefits paid
2019308$3.94 million$129,350$738,458
2020339$5.01 million$135,927$700,414
2021378$4.41 million$141,860$406,905
2022389$5.18 million$156,527$389,302
2023430$6.06 million$202,016$661,894
2024508$7.00 million$292,556$768,637

The Arc Of Opportunity In North Central Massachusetts Inc 401(k) Contact Information

Phone
978-343-6662
Mailing address
564 MAIN ST, FITCHBURG MA 014208011
Plan sponsor
THE ARC OF OPPORTUNITY IN NORTH CENTRAL MASSACHUSETTS INC
Employer identification number (EIN)
04-2226199
Plan number
001

Questions about the The Arc Of Opportunity In North Central Massachusetts Inc 401(k)

Does The Arc Of Opportunity In North Central Massachusetts Inc contribute to the 401(k)?

The plan does not report an employer matching arrangement on its Form 5500. It did report $292,556 in employer contributions for plan year 2024.

Does the The Arc Of Opportunity In North Central Massachusetts Inc 401(k) have automatic enrollment?

No. The plan does not report automatic enrollment; employees enroll themselves.

How many people are in the The Arc Of Opportunity In North Central Massachusetts Inc 401(k) plan?

508 participants at the start of plan year 2024, 293 of them active employees, and 228 former employees who still had money in the plan.

What is the average 401(k) balance at The Arc Of Opportunity In North Central Massachusetts Inc?

About $15,630 per account: $7.00 million in plan assets across 448 accounts with a balance at the end of plan year 2024.

Who manages the The Arc Of Opportunity In North Central Massachusetts Inc 401(k) accounts?

John Hancock (listed on the filing as JOHN HANCOCK LIFE INSURANCE CO.) is the plan's recordkeeper, which is where participants log in to see their balance.

I no longer work at The Arc Of Opportunity In North Central Massachusetts Inc. How do I access my 401(k)?

Your account stays with John Hancock after you leave, so you can log in with the same credentials. If your balance was small, the plan may have rolled it into an IRA in your name. If you can't find it, Beagle can locate it for you.

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