A person or organization responsible for taking care of someone else's plan money, or responsible for plan administration per ERISA.
 

All contributions and interest in a YMCA Account or in a YMCA Account (Legacy) that a non-vested participant loses if they leave and do not return to active YMCA service within six years. The forfeited contributions are applied to their YMCA as credit, which the YMCA then uses to reduce its future YMCA contributions.