Valley Opportunity Council, Inc. 401(k) Plan: Login, Facts & Contact Information

Valley Opportunity Council, Inc. 401(k) Plan Facts

Plan name
403(B) THRIFT PLAN FOR EMPLOYEES OF VALLEY OPPORTUNITY COUNCIL, INC.
Plan type
401(k) with employer contributions and profit sharing
Plan sponsor
VALLEY OPPORTUNITY COUNCIL, INC.
Participants
598 (361 active employees)
Former employees with a balance
82
Plan assets
$8,151,322 at Dec 31, 2024
Average account balance
$17,720 across 460 accounts
Employer contributions
$266,665 in plan year 2024 (42% of all contributions)
Recordkeeper
Mutual Of America Investment Corp
Plan year
Jan 1, 2024 – Dec 31, 2024
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 (Jan 1, 2024 – Dec 31, 2024), filed Sep 29, 2025. Public filing with the U.S. Department of Labor.

Money in and out in plan year 2024

  • $638,715 went into the plan in contributions, $266,665 of it from the employer (42%).
  • $539,375 was paid out to participants.
  • Investment and other income added $932,436.
  • Administrative expenses were $10,200, about $22 per account.

How the Valley Opportunity Council, Inc. 401(k) changed, 2019–2024

Plan yearParticipantsPlan assetsEmployer contributionsBenefits paid
2019347$5.17 million$177,486$275,824
2020314$5.94 million$192,826$332,013
2021417$6.31 million$168,509$879,962
2022380$6.21 million$807,328$248,464
2023481$7.13 million$229,204$516,268
2024598$8.15 million$266,665$539,375

Valley Opportunity Council, Inc. 401(k) Contact Information

Phone
413-552-1554
Mailing address
35 MT CARMEL AVE, CHICOPEE MA 010134113
Plan sponsor
VALLEY OPPORTUNITY COUNCIL, INC.
Employer identification number (EIN)
04-2692763
Plan number
003

Questions about the Valley Opportunity Council, Inc. 401(k)

Does Valley Opportunity Council, Inc contribute to the 401(k)?

Yes. The plan reports an employer contribution arrangement. In plan year 2024 the employer contributed $266,665, 42% of all contributions.

Does the Valley Opportunity Council, Inc 401(k) have automatic enrollment?

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

How many people are in the Valley Opportunity Council, Inc 401(k) plan?

598 participants at the start of plan year 2024, 361 of them active employees, and 82 former employees who still had money in the plan.

What is the average 401(k) balance at Valley Opportunity Council, Inc?

About $17,720 per account: $8.15 million in plan assets across 460 accounts with a balance at the end of plan year 2024.

Who manages the Valley Opportunity Council, Inc 401(k) accounts?

Mutual of America (listed on the filing as MUTUAL OF AMERICA INVESTMENT CORP) is the plan's recordkeeper, which is where participants log in to see their balance.

I no longer work at Valley Opportunity Council, Inc. How do I access my 401(k)?

Your account stays with Mutual of America 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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