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Original filing (PDF)20251011194125NAL0020532050001
WOODS HOLE OCEANOGRAPHIC INSTITUTION
Form 5500
FILING_RECEIVED
WOODS HOLE OCEANOGRAPHIC INSTITUTION DEFINED CONTRIBUTION RETIREMENT PLAN
403(b) retirement plan
Signals · 1
No recordkeeper disclosed
Active participants
1,466
Accounts w/ balance
1,453
Plan assets (EOY)
$268.6M
Net assets (EOY)
$268.6M
How this plan invests
This plan
31 securities
funds · stocks · CUSIPs
Holdings are itemized directly on this plan's Schedule of Assets, below.
Plan health score (directional)
98
/ 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
100
Vendor stack
80
Participation health
100
Knocking points off
- No recordkeeper disclosed on Schedule C.
Helping the score
- Below-peer total fees (4 bps vs 10 bps peer median).
Decision-maker contacts
CFO / Head of HR / Benefits Manager — verified email + LinkedIn for WOODS HOLE OCEANOGRAPHIC INSTITUTION.
Plan sponsor
Name
WOODS HOLE OCEANOGRAPHIC INSTITUTION
EIN
04-2105850
Address
266 WOODS HOLE RD, MS #15 · WOODS HOLE, MA · 02543
Phone
(508) 289-2253
Industry
All Other Professional Services· Professional & Technical Servicessee all
Plan administrator
Same as plan sponsor.
Plan characteristics
Plan number
002
Plan year
2024
Plan year begin
2024-01-01
Tax period
2024-12-31
Filed
2025-10-11
Pension benefit codes
2F · ERISA section 404(c)
2G · Total participant-directed accounts
2L · 403(b)(1) annuity
2M · 403(b)(7) custodial accounts
2R · Participant-directed brokerage (SDBA)
2S · Automatic enrollment
2T · Default investment account (QDIA)
Audit & trust (Schedule H)
Auditor
CBIZ CPS'S PC
Trustee / custodian
—
Trustee phone
—
Service providers (Schedule C)
3 rowsOther
3| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| EMPOWER ANNUITY INSURANCE COMPANY | 84-0467907 | — | NONE | $114K | — |
| CHARLES SCHWAB & CO., INC. | 94-1737782 | — | NONE | $1K | — |
| QDRO CONSULTANTS COMPANY, LLC | 34-1820650 | — | NONE | $800 | — |
Investments
31 direct securities· $269.3M(100% of reported assets)
| PI | Investment | Type | Shares / units | Cost | Current value | % of plan |
|---|---|---|---|---|---|---|
| NEW YORK LIFE GIA CLASS 10 Guaranteed Investment Contract | — | — | — | $43.5M | 16.2% | |
| FIDELITY 500 INDEX Mutual Funds | — | — | — | $29.9M | 11.1% | |
| FIDELITY CONTRAFUND K6 Mutual Funds | — | — | — | $29.3M | 10.9% | |
| MFS VALUE R6 Mutual Funds | — | — | — | $22.3M | 8.3% | |
| FIDELITY US BOND INDEX Mutual Funds | — | — | — | $21.6M | 8.0% | |
| JPMORGAN CORE BOND R6 Mutual Funds | — | — | — | $19.5M | 7.2% | |
| FIDELITY TOTAL INTL INDEX INSTL PREMIUM Mutual Funds | — | — | — | $18.2M | 6.8% | |
| AMERICAN FUNDS EUROPACIFIC GR R6 Mutual Funds | — | — | — | $14.8M | 5.5% | |
| FIDELITY EXTENDED MARKET INDEX Mutual Funds | — | — | — | $13.3M | 4.9% | |
| NUVEEN LARGE CAP RESPONSIBLE EQUITY R6 Mutual Funds | — | — | — | $8.8M | 3.3% | |
| AMERICAN CENTURY MID CAP VALUE R6 Mutual Funds | — | — | — | $6.6M | 2.5% | |
| MACQUARIE MID CAP GROWTH R6 Mutual Funds | — | — | — | $6.3M | 2.3% | |
| FIDELITY SMALL CAP VALUE Mutual Funds | — | — | — | $6.2M | 2.3% | |
| TOUCHSTONE SMALL COMPANY R6 Mutual Funds | — | — | — | $4.3M | 1.6% | |
| SCHWAB SDB Self-Directed Brokerage Accounts | — | — | — | $3.6M | 1.3% | |
| VANGUARD TARGET RETIREMENT 2055 INV Mutual Funds | — | — | — | $2.6M | 1.0% | |
| VANGUARD TARGET RETIREMENT 2045 INV Mutual Funds | — | — | — | $2.4M | 0.9% | |
| VANGUARD TARGET RETIREMENT 2050 INV Mutual Funds | — | — | — | $2.3M | 0.9% | |
| VANGUARD INFLATION-PROTECTED SECS ADM Mutual Funds | — | — | — | $2.2M | 0.8% | |
| HARTFORD WORLD BOND R6 Mutual Funds | — | — | — | $1.9M | 0.7% | |
| Participant Loans (Interest Rate 4.25% - 9.50%) 0 | — | — | — | $1.8M | 0.7% | |
| VANGUARD TARGET RETIREMENT 2060 INV Mutual Funds | — | — | — | $1.4M | 0.5% | |
| VANGUARD TARGET RETIREMENT 2030 INV Mutual Funds | — | — | — | $1.4M | 0.5% | |
| VANGUARD TARGET RETIREMENT 2035 INV Mutual Funds | — | — | — | $1.3M | 0.5% | |
| VANGUARD TARGET RETIREMENT 2025 INV Mutual Funds | — | — | — | $1.1M | 0.4% | |
| VANGUARD TARGET RETIREMENT 2065 INV Mutual Funds | — | — | — | $880K | 0.3% | |
| VANGUARD TARGET RETIREMENT 2040 INV Mutual Funds | — | — | — | $774K | 0.3% | |
| Represents a party-in-interest as defined by ERISA. ** Includes $677,441 of cash reserves and mutual funds considered party-in-interest to the Plan as defined by ERISA. | — | — | — | $677K | 0.3% | |
| VANGUARD TARGET RETIREMENT 2020 INV Mutual Funds | — | — | — | $207K | <0.1% | |
| VANGUARD TARGET RETIREMENT 2070 INV Mutual Funds | — | — | — | $163K | <0.1% | |
| VANGUARD TARGET RETIREMENT INCOME INV Mutual Funds | — | — | — | $59K | <0.1% |
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