Viability, Inc. 401(k) Plan: Login, Facts & Contact Information

Viability, Inc. 401(k) Plan Facts

Plan name
403B THRIFT PLAN OF VIABILITY, INC.
Plan type
401(k)
Plan sponsor
VIABILITY, INC.
Participants
869 (493 active employees)
Former employees with a balance
364
Plan assets
$20,811,530 at Jun 30, 2025
Average account balance
$25,473 across 817 accounts
Employer contributions
$275,953 in plan year 2024 (23% of all contributions)
Recordkeeper
Mutual Of America Life Insurance Co
Plan year
Jul 1, 2024 – Jun 30, 2025
Plan established
Feb 1, 1984
— 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 14, 2026. Public filing with the U.S. Department of Labor.

Money in and out in plan year 2024

  • $1.21 million went into the plan in contributions, $275,953 of it from the employer (23%).
  • $1.92 million was paid out to participants.
  • Investment and other income added $1.91 million.
  • Administrative expenses were $9,247, about $11 per account.

How the Viability, Inc. 401(k) changed, 2019–2024

Plan yearParticipantsPlan assetsEmployer contributionsBenefits paid
2019739$15.5 million$746,528$2.07 million
2020784$19.4 million$493,794$870,200
2021775$16.4 million$490,792$2.33 million
2022836$17.9 million$529,075$1.33 million
2023810$19.6 million$540,499$2.37 million
2024869$20.8 million$275,953$1.92 million

Viability, Inc. 401(k) Contact Information

Phone
413-781-5359
Mailing address
60 BROOKDALE DRIVE, SPRINGFIELD MA 011043206
Plan sponsor
VIABILITY, INC.
Employer identification number (EIN)
51-0178661
Plan number
003

Questions about the Viability, Inc. 401(k)

Does Viability, Inc contribute to the 401(k)?

The plan does not report an employer matching arrangement on its Form 5500. It did report $275,953 in employer contributions for plan year 2024.

Does the Viability, Inc 401(k) have automatic enrollment?

Yes. The plan reports automatic enrollment of eligible employees.

How many people are in the Viability, Inc 401(k) plan?

869 participants at the start of plan year 2024, 493 of them active employees, and 364 former employees who still had money in the plan.

What is the average 401(k) balance at Viability, Inc?

About $25,473 per account: $20.8 million in plan assets across 817 accounts with a balance at the end of plan year 2024.

Who manages the Viability, Inc 401(k) accounts?

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

I no longer work at Viability, 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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