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Original filing (PDF)20250715075002NAL0002557680001
OPPORTUNITY ALLIANCE
Form 5500
FILING_RECEIVED
OPPORTUNITY ALLIANCE 403(B) PLAN
403(b) retirement plan
Active participants
465
Accounts w/ balance
593
Plan assets (EOY)
$17.0M
Net assets (EOY)
$17.0M
How this plan invests
This plan
2 pooled trusts
Schedule D
45 securities
funds · stocks · CUSIPs
Holdings are itemized directly on this plan's Schedule of Assets, below.
Plan health score (directional)
91
/ 100
Grade A
Top-tier plan health
Directional indicator computed from public Form 5500 data — compliance, concentration, cost, vendor stack and participation. Not a fiduciary tool.
Compliance & disclosures
100
Concentration risk
100
Total plan cost
65
Vendor stack
100
Participation health
100
Knocking points off
- 46 bps in Schedule C fees — 57% above peer band of 29 bps.
Decision-maker contacts
CFO / Head of HR / Benefits Manager — verified email + LinkedIn for OPPORTUNITY ALLIANCE.
Plan sponsor
Name
OPPORTUNITY ALLIANCE
EIN
01-0274725
Address
50 LYDIA LANE · SOUTH PORTLAND, ME · 04106
Phone
(207) 874-1175
Industry
Health Care & Social Assistancesee all
Plan administrator
Same as plan sponsor.
Plan characteristics
Plan number
001
Plan year
2024
Plan year begin
2024-01-01
Tax period
2024-12-31
Filed
2025-07-15
Pension benefit codes
2F · ERISA section 404(c)
2G · Total participant-directed accounts
2K · 401(m) arrangement
2L · 403(b)(1) annuity
2T · Default investment account (QDIA)
Audit & trust (Schedule H)
Auditor
BPMD ASSURANCE, LLP
Trustee / custodian
—
Trustee phone
—
Service providers (Schedule C)
4 rowsRecordkeeper
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| EMPOWER ANNUITY INS CO OF AMERICA | — | GREENWOOD, CO | RECORDKEEPER | $22K | — |
Advisor / Consultant
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| COMMONWEALTH EQUITY SERVICE, LLC | 04-2675571 | — | INVESTMENT ADVISOR | $39K | — |
TPA / Administrator
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| HUB INTERNATIONAL NEW ENGLAND LLC | — | WILMINGTON, MA | CONTRACT ADMIN | $11K | — |
Other
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| EMPOWER ADVISORY GROUP, LLC | — | GREENWOOD VILLAGE, CO | INVESTMENT MGMT | $5K | — |
Investments
44 direct securities · 2 pooled funds· $16.9M(99% of reported assets)
Rows tagged as a trust or pooled fund hold many underlying securities. Their holdings are itemized on each fund’s own Form 5500.
Uncategorized
$16.8M
44 holdings
Pooled Separate Account
$73K
2 holdings
| PI | Investment | Type | Shares / units | Cost | Current value | % of plan |
|---|---|---|---|---|---|---|
| Fidelity 500 Index Mutual Fund | — | — | — | $2.5M | 14.9% | |
| JPMorgan Large Cap Growth R4 Mutual Fund | — | — | — | $2.0M | 11.7% | |
| Guaranteed Interest Fund Fixed Income Contract | — | — | — | $1.2M | 6.9% | |
| PGIM Total Return Bond Z Mutual Fund | — | — | — | $1.2M | 6.8% | |
| Vanguard Equity Income Fund Mutual Fund | — | — | — | $1.2M | 6.8% | |
| MFS Research International R3 Mutual Fund | — | — | — | $1.1M | 6.2% | |
| MFS Lifetime 2035 R4 Mutual Fund | — | — | — | $854K | 5.0% | |
| JPMorgan Small Cap Growth R6 Mutual Fund | — | — | — | $779K | 4.6% | |
| MFS Lifetime 2025 R4 Mutual Fund | — | — | — | $679K | 4.0% | |
| MFS Lifetime 2045 R4 Mutual Fund | — | — | — | $607K | 3.6% | |
| Parnassus Core Equity - Inst Mutual Fund | — | — | — | $559K | 3.3% | |
| American Funds New World R4 Mutual Fund | — | — | — | $398K | 2.3% | |
| MFS Mid Cap Value R4 Mutual Fund | — | — | — | $373K | 2.2% | |
| Ishares Russell 2000 Small-Cap Index K Mutual Fund | — | — | — | $368K | 2.2% | |
| Ishares Russell Mid-Cap Index K Mutual Fund | — | — | — | $367K | 2.2% | |
| MFS Lifetime 2040 R4 Mutual Fund | — | — | — | $338K | 2.0% | |
| Allspring Special Small Cap Value Admin Mutual Fund | — | — | — | $269K | 1.6% | |
| MFS Lifetime 2055 R4 Mutual Fund | — | — | — | $238K | 1.4% | |
| MFS Lifetime 2050 R4 Mutual Fund | — | — | — | $238K | 1.4% | |
| MFS Lifetime 2030 R4 Mutual Fund | — | — | — | $229K | 1.3% | |
| Lord Abbett Short Duration Income R5 Mutual Fund | — | — | — | $221K | 1.3% | |
| Cohen & Steers Realty Shares Mutual Fund | — | — | — | $191K | 1.1% | |
| MFS Lifetime 2060 R4 Mutual Fund | — | — | — | $185K | 1.1% | |
| Lord Abbett High Yield R5 Mutual Fund | — | — | — | $146K | 0.9% | |
| MFS Lifetime Income R4 Mutual Fund | — | — | — | $142K | 0.8% | |
| PIMCO International Bond (USD-Hdg) Adm Mutual Fund | — | — | — | $119K | 0.7% | |
| American Funds New Perspective R4 Mutual Fund | — | — | — | $115K | 0.7% | |
| Lincoln Fixed Annuity Fixed Income Contract | — | — | — | $83K | 0.5% | |
| Virtus KAR Mid-Cap Growth I Mutual Fund | — | — | — | $63K | 0.4% | |
| Nuveen Inflation Linked Bond I Mutual Fund | — | — | — | $41K | 0.2% | |
| SEPARATE ACCOUNT NUMBER SA2 MUTUAL OF AMERICA · EIN 13-1614399 / PN 000 | Pooled Separate Account | — | — | $39K | 0.2% | |
| Mutual of America Interest Accumulation Fund Fixed Income Contract | — | — | — | $36K | 0.2% | |
| VOYA Pooled Separate Account | — | — | — | $34K | 0.2% | |
| ING SEPARATE ACCOUNTS ING LIFE INSURANCE AND ANNUITY COMPANY · EIN 71-0294708 / PN 000 | Pooled Separate Account | — | — | $34K | 0.2% | |
| Victory Trivalent International Sm-Cp R6 Mutual Fund | — | — | — | $29K | 0.2% | |
| American Funds Growth Fund Mutual Fund | — | — | — | $7K | <0.1% | |
| BlackRock Health Sciences Opps Inv A Mutual Fund | — | — | — | $5K | <0.1% | |
| Similar Party Par or Maturity Value Cost** Value Fidelity Contrafraud Portfolio Mutual Fund | — | — | — | $5K | <0.1% | |
| LVIP SSGA S&P 500 Index Mutual Fund | — | — | — | $4K | <0.1% | |
| American Funds Growth-Income Mutual Fund | — | — | — | $3K | <0.1% | |
| American Funds Global Growth Mutual Fund | — | — | — | $2K | <0.1% | |
| AB VPS Global Thematic Growth Mutual Fund 208 American Century VP Balanced Mutual Fund | — | — | — | $2K | <0.1% | |
| American Funds International Mutual Fund 7 Delaware VIP Small Cap Value Mutual Fund | — | — | — | $2K | <0.1% | |
| LVIP SSGA Small-Cap Index Mutual Fund | — | — | — | $2K | <0.1% | |
| Fidelity Growth Portfolio Mutual Fund 296 Janus Henderson GLB Research Mutual Fund | — | — | — | $2K | <0.1% | |
| LVIP Delaware REIT Fund Mutual Fund | — | — | — | $1K | <0.1% |
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