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Form 5500 statement · plan year 1 Jul 2024 to 30 Jun 2025
Young Men's Christian Association Retirement Fund Retirement Plan
Sponsored by Young Men's Christian Association Retirement Fund, New York, NY
Form 5500 information is as filed by the plan administrator with the Department of Labor and may be amended. Figures reflect the plan year shown, not current balances. Form 5500 contains no individual account balances. Look up the original filing at EFAST2.
Young Men's Christian Association Retirement Fund Retirement Plan is a 403(b) plan sponsored by Young Men's Christian Association Retirement Fund of New York, New York. For the plan year ending 30 Jun 2025 it reported 99,339 participants, 49,535 of them active, and net assets of $3.88B. It is a multiple-employer plan covering the employees of more than one employer.
Net assets came to $39,020 per participant, well below the $62,774 median for defined contribution plans with 25,000 or more participants and close to the $40,686 median for defined contribution plans in other services. The figure is an average across everyone in the plan, including former employees with small balances; Form 5500 holds no individual account data.
The employer contributed $224M during the year, or $4,529 per active participant against a same-size median of $2,417; participants contributed $8.4M. Benefits paid out totalled $235M.
The filing reports no service provider compensation on Schedule C. That is common where fees are paid by the employer or taken from investment returns, neither of which appears there. Administrative expenses charged to the plan were $0.
Across the filings on record, net assets went from $2.98B in 2009 to $3.88B in 2024 (up 30%), and participants from 72,948 to 99,339 (up 36%).
The independent accountant's opinion on the financial statements was unmodified (unqualified).
Compared with similar plans
| Measure | This plan | Same size | Same industry | All US DC plans |
|---|---|---|---|---|
| Net assets per participant | $39,020 | $62,774 | $40,686 | $53,102 |
| Employer contributions per active participant | $4,529 | $2,417 | $2,024 | $2,175 |
| Schedule C compensation per participant | — | $36.41 | $113 | $123 |
| Schedule C compensation, share of net assets | — | 0.07% | 0.30% | 0.26% |
| Administrative expenses per participant | — | $38.81 | $99.73 | $116 |
Peer columns are medians for plan year 2024 across defined contribution plans with 100 or more participants: 25,000 or more participants (608 plans), other services (2,675) and all US plans (63,460). Fee medians cover plans that report an amount.
Trend by plan year
| Plan year | Participants | Net assets | Per participant | Employer contributions | Participant contributions | Schedule C compensation |
|---|---|---|---|---|---|---|
| 2024 | 99,339 | $3.88B | $39,020 | $224M | $8.4M | $0 |
| 2023 | 94,903 | $3.74B | $39,363 | $201M | $7.9M | $0 |
| 2022 | 90,264 | $3.62B | $40,151 | $181M | $7.7M | $0 |
| 2021 | 88,514 | $3.53B | $39,928 | $164M | $7.5M | $0 |
| 2020 | 91,635 | $3.53B | $38,487 | $108M | $6.6M | $0 |
| 2019 | 92,163 | $3.63B | $39,396 | $177M | $8.1M | $0 |
| 2018 | 89,694 | $3.59B | $39,996 | $188M | $8.6M | $0 |
| 2017 | 93,814 | $3.63B | $38,661 | $181M | $8.9M | $0 |
| 2016 | 89,965 | $3.49B | $38,778 | $176M | $9.0M | $0 |
| 2015 | 88,021 | $3.41B | $38,756 | $167M | $9.2M | $0 |
| 2014 | 85,977 | $3.32B | $38,576 | $162M | $9.1M | $0 |
| 2013 | 81,217 | $3.20B | $39,391 | $159M | $9.2M | $0 |
| 2012 | 79,174 | $3.10B | $39,212 | $152M | $9.1M | $0 |
| 2011 | 77,976 | $3.07B | $39,332 | $148M | $9.2M | $0 |
| 2010 | 74,999 | $3.02B | $40,308 | $145M | $10.6M | $0 |
| 2009 | 72,948 | $2.98B | $40,833 | $142M | $11.6M | $0 |
Years in which the plan filed the full Form 5500 with 100 or more participants, from 2009. Plan year is the year in which the plan year began.
Statement for the year
- Net assets, beginning of year$3,735,650,000
- Employer contributions$224,356,000
- Participant contributions$8,353,000
- Rollovers and other contributions—
- Total contributions$232,709,000
- Total income, including investment results$375,284,000
- Benefits paid$234,691,000
- Administrative expenses$0
- Total expenses$234,691,000
- Net income$140,593,000
- Net transfers$0
- Net assets, end of year$3,876,243,000
Participants
- Active participants49,535
- Retired or separated, receiving benefits—
- Retired or separated, entitled to future benefits49,188
- Participants with account balances99,339
- Total participants, end of year99,339
Fees and service providers
No service provider organisations are listed on Schedule C for this plan year.
Schedule C, Part I line 2: providers that received $5,000 or more, with the form's own service codes. Individuals named on Schedule C (plan employees, individual trustees) are never shown and their compensation is excluded. Eligible indirect compensation disclosed by formula carries no dollar amount. See how to read Schedule C fees.
Investment structure
Assets at year end by Schedule H category. The form shows the kind of vehicle holding the money, not the funds on the menu.
- Receivables$3.88B · 100.0%
Audit and compliance answers, as filed
- Accountant's opinionUnmodified (unqualified)
- Audit scope limited under ERISA section 103(a)(3)(C)No
- Accounting firmKPMG
- Participant contributions reported as transmitted lateYes, $183,272
- Covered by a fidelity bondYes, $5,000,000
- Blackout period during the yearNo
These are the plan administrator's own answers on Schedule H, Part IV. A reported late transmittal is the filer's disclosure of a timing lapse, usually corrected through the Department of Labor's voluntary program; the amount is the total involved, not a loss.
Plan characteristics
2CMoney purchase (other than target benefit) plan2KCode section 401(m) arrangement2LCode section 403(b)(1) arrangement (annuity contracts)2UMultiple-employer pension plan that is an Association Retirement Plan
Codes entered on Form 5500 line 8a, with the labels from the official instructions. Business code 813000: Religious, Grantmaking, Civic, Professional, & Similar Organizations (including condominium and homeowners associations).
Similar plans in New York
| Plan | Sponsor | Participants | Net assets | Per participant |
|---|---|---|---|---|
| The Cultural Institutions Savings Plan | The Cultural Institutions Retirement System | 14,828 | $725M | $48,878 |
| United Food and Commercial Workers Local 1500 Annuity Plan | Board of Trustees UFCW Local 1500 Annuity Fund | 13,729 | $46.9M | $3,419 |
| Monro, Inc. 401(k) Plan | Monro, Inc. | 6,939 | $82.2M | $11,841 |
| Freedom 401(k) Pooled Employer Plan | 401(k) Freedom Inc. | 5,384 | — | — |
| Irc 403(b) Retirement Savings Plan | International Rescue Committee | 5,036 | $253M | $50,273 |
| Samaritan Village, Inc. Retirement Plan | Samaritan Daytop Village, Inc. | 4,547 | $57.0M | $12,538 |
Defined contribution plans in other services closest in size.
Questions and answers
How big is Young Men's Christian Association Retirement Fund Retirement Plan?
99,339 participants at the end of the plan year ending 30 Jun 2025, of whom 49,535 were active employees, with net assets of $3,876,243,000. Among defined contribution plans that places it in the 25,000 or more participants band, which held 608 plans in plan year 2024.
What does Young Men's Christian Association Retirement Fund contribute per participant?
The filing reports $224,356,000 in employer contributions for the year, which is $4,529 per active participant; the median for plans of the same type and size was $2,417 in plan year 2024. Form 5500 reports the total only. It does not state the match formula, and the per-participant figure is an average, not any one person's contribution.
What fees does the plan pay and how do they compare?
Schedule C reports no provider compensation for the year. Administrative expenses on Schedule H were $0. Investment costs deducted inside mutual funds and other pooled vehicles are not itemised on Form 5500, so these figures are a floor rather than a full cost.
Who runs the plan?
The sponsor is Young Men's Christian Association Retirement Fund. The financial statements were audited by KPMG. Form 5500 also names the plan administrator's signer and other individuals; this site publishes organisations only.
Was the audit opinion unqualified?
The filing reports an unmodified (unqualified) opinion. Unmodified (formerly "unqualified") is the standard clean opinion.
How current is this, and does it show my balance?
This is the Form 5500 for the plan year 1 Jul 2024 to 30 Jun 2025, received by the Department of Labor on 20 Feb 2026. Filings are due seven months after the plan year ends, or nine and a half with an extension, so the public record always runs a year or more behind. It contains plan-level totals only: no individual balances, contributions or names of participants exist in the data.
Provenance
Source: U.S. Department of Labor, Employee Benefits Security Administration, Form 5500 research files (Form 5500, Schedule H, Schedule C) for plan years 2009 to 2025, public domain, with filings received through 24 Aug 2026. This page shows the latest filing on record for EIN 13-5562401, plan 001, received 20 Feb 2026; an amended filing replaces it at the next build. Medians and percentiles are computed by this site; see the methodology. Report an error through corrections.