Plan Snapshot
- Plan Sponsor: Trustees Of The College Of The Holy Cross
- Sponsor EIN: 042103558
- Sponsor Address: 1 COLLEGE STREET, WORCESTER, MA, 01610
- Plan Type: 403(b)
- Plan Number: 001
- Total Participants: 2,152
- Total Assets: $448.0M
Key Plan Design Features
- Auto-Enrollment: Yes
- Auto-Escalation: Yes
- Allows Roth Contributions: Yes
- Participant Loans: Yes
- Participant-Directed Investments: Yes
- ERISA Section 404(c) Fiduciary Safe Harbor: Yes
Plan Financials by Year
| Year | Participants | Total Assets | Employer Contrib. | Employee Contrib. |
|---|---|---|---|---|
| 2025 | 2,152 | $448.0M | $0 | $0 |
| 2024 | 954 | $401.8M | $7.4M | $7.5M |
| 2023 | 933 | $365.8M | $6.8M | $6.9M |
| 2022 | 964 | $334.1M | $6.3M | $6.5M |
Service Providers (Schedule C)
Vendors paid $5,000 or more for services to the plan, ranked by total compensation (direct + indirect fees).
| Provider Name | Role | Direct Compensation | Indirect Compensation | Total Fees |
|---|---|---|---|---|
| FIDELITY INV INS OPS CO, INC. | Other Service Provider | $104,393 | — | $104,393 |
| FIDUCIENT ADVISORS LLC | Other Service Provider | $50,000 | — | $50,000 |
| HARVARD SQUARE FINANCIAL PLANNING L | Other Service Provider | $47,825 | — | $47,825 |
| VERRILL | Other Service Provider | $8,228 | — | $8,228 |
Plan Fees & Expenses
Annual service provider fees and administrative expenses sourced from DOL Form 5500 filings.
- Total Service Provider Fees: $210,446
- Estimated Expense Ratio: 0.047% of plan assets
Historical Administrative Expenses
Breakdown of administrative expense categories reported on Form 5500 filings.
| Year | Total Admin Expenses | Investment Mgmt Fees | Contract Admin Fees | IQPA Audit Fees | Professional Fees |
|---|---|---|---|---|---|
| 2025 | $31,563,712 | $97,825 | $104,393 | — | — |
| 2024 | $178,236 | $78,435 | $97,973 | — | — |
| 2023 | $155,485 | $103,850 | $150 | — | — |
| 2022 | $61,776 | $30,000 | $22,587 | — | $9,189 |