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Original filing (PDF)20251002124340NAL0000308995001
BHS MANAGEMENT SERVICES INC.
Form 5500
FILING_RECEIVED
BHS PARTNERSHIP 403B PENSION PLAN
403(b) retirement plan
Signals · 1
7 service providers
Active participants
4,276
Accounts w/ balance
5,836
Plan assets (EOY)
$693.6M
Net assets (EOY)
$693.6M
How this plan invests
This plan
32 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
- 18 bps in Schedule C fees — 202% above peer band of 6 bps.
Decision-maker contacts
CFO / Head of HR / Benefits Manager — verified email + LinkedIn for BHS MANAGEMENT SERVICES INC..
Plan sponsor
Name
BHS MANAGEMENT SERVICES INC.
EIN
04-2442944
Address
725 NORTH STREET · PITTSFIELD, MA · 01201
Phone
(413) 447-2785
Industry
Health Care & Social Assistancesee all
Plan administrator
Same as plan sponsor.
Plan characteristics
Plan number
003
Plan year
2024
Plan year begin
2024-01-01
Tax period
2024-12-31
Filed
2025-10-02
Pension benefit codes
2L · 403(b)(1) annuity
2M · 403(b)(7) custodial accounts
2F · ERISA section 404(c)
2G · Total participant-directed accounts
2R · Participant-directed brokerage (SDBA)
3H · Sponsor in controlled / affiliated group
2S · Automatic enrollment
2T · Default investment account (QDIA)
Audit & trust (Schedule H)
Auditor
CARON & BLETZER
Trustee / custodian
—
Trustee phone
—
Service providers (Schedule C)
7 rowsRecordkeeper
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| TRANSAMERICA RETIREMENT SOLUTIONS | 13-3689044 | — | RECORD KEEPER | $754K | — |
Advisor / Consultant
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| CAPFINANCIAL PARTNERS LLC | 26-0058143 | — | INVESTMENT ADVISOR | $105K | — |
Broker
4| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| BERKSHIRE MONEY MANAGEMENT INC | 04-3556944 | — | SECURITIES BROKER | $370K | — |
| WEALTH ENHANCEMENT ADVISORY SE | 41-2016508 | — | SECURITIES BROKER | $7K | — |
| CHARLES SCHWAB & CO., INC. | 94-1737782 | — | SECURITIES BROKER | $1K | — |
| NATIONAL FINANCIAL SERVICES | 04-3523567 | — | SECURITIES BROKER | $0 | — |
Accountant / Auditor
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| CARON & BLETZER, PLLC | 04-3499945 | — | AUDITOR | $18K | — |
Investments
32 direct securities· $692.4M(100% of reported assets)
| PI | Investment | Type | Shares / units | Cost | Current value | % of plan |
|---|---|---|---|---|---|---|
| Transamerica Financial Life Insurance Company Fixed Fund Guaranteed insurance contract | — | — | — | $76.8M | 11.1% | |
| Vanguard Institutional Index Fund Institutional " | — | — | — | $74.7M | 10.8% | |
| MFS Massachusetts Investors Growth Stock Fund R6 " | — | — | — | $55.7M | 8.0% | |
| American Funds 2030 Target Date Retirements Fund R6 " | — | — | — | $47.8M | 6.9% | |
| American Funds 2040 Target Date Retirements Fund R6 " | — | — | — | $46.6M | 6.7% | |
| Charles Schwab Self-Directed Brokerage Account Self-directed brokerage account | — | — | — | $42.3M | 6.1% | |
| American Funds 2050 Target Date Retirements Fund R6 " | — | — | — | $41.5M | 6.0% | |
| American Funds 2020 Target Date Retirements Fund R6 " | — | — | — | $38.0M | 5.5% | |
| American Funds Washington Mutual Fund R6 " | — | — | — | $35.4M | 5.1% | |
| American Funds 2035 Target Date Retirements Fund R6 " | — | — | — | $28.5M | 4.1% | |
| American Funds 2025 Target Date Retirements Fund R6 " | — | — | — | $25.0M | 3.6% | |
| American Funds 2045 Target Date Retirements Fund R6 " | — | — | — | $22.7M | 3.3% | |
| JPMorgan US Small Company Fund " | — | — | — | $20.9M | 3.0% | |
| American Funds 2010 Target Date Retirement Fund R6 " | — | — | — | $19.8M | 2.9% | |
| American Funds EuroPacific Growth Fund R6 " | — | — | — | $18.9M | 2.7% | |
| American Funds 2055 Target Date Retirements Fund R6 " | — | — | — | $14.0M | 2.0% | |
| American Funds 2060 Target Date Retirements Fund R6 " | — | — | — | $10.2M | 1.5% | |
| Vanguard Federal Money Market Fund Investor " | — | — | — | $9.4M | 1.4% | |
| Fidelity Total Bond Fund K6 " | — | — | — | $8.1M | 1.2% | |
| MassMutual Mid Cap Growth Fund Institutional " | — | — | — | $7.9M | 1.1% | |
| Vanguard Inflation Protected Securities Fund Institutional " | — | — | — | $6.7M | 1.0% | |
| Vanguard Extended Market Index Fund Institutional " | — | — | — | $6.7M | 1.0% | |
| American Century Mid-Cap Value Fund R6 Mutual fund | — | — | — | $6.6M | 1.0% | |
| Parnassus Core Equity Institutional Fund " | — | — | — | $5.1M | 0.7% | |
| Vanguard Total International Stock Fund " | — | — | — | $4.8M | 0.7% | |
| Participant Loans (4.25% - 9.50%) - | — | — | — | $4.4M | 0.6% | |
| Vanguard Total Bond Market Index Fund Institutional " | — | — | — | $3.7M | 0.5% | |
| Calvert Conservative Allocation Fund R6 " | — | — | — | $3.3M | 0.5% | |
| American Funds 2065 Target Date Retirements Fund R6 " | — | — | — | $2.6M | 0.4% | |
| Columbia High Yield Bond Institutional Fund 3 " | — | — | — | $2.1M | 0.3% | |
| Vanguard Real Estate Index Fund Admiral " | — | — | — | $1.4M | 0.2% | |
| American Funds 2015 Target Date Retirement Fund R6 " | — | — | — | $1.1M | 0.2% |
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