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Original filing (PDF)20250314135559NAL0011859923001
CARING HEALTH CENTER, INC.
Form 5500
FILING_RECEIVED
CARING HEALTH CENTER, INC. MATCHED RETIREMENT SAVINGS PLAN
403(b) retirement plan
Signals · 1
Late filing · 22.0 mo
Active participants
288
Accounts w/ balance
192
Plan assets (EOY)
$5.9M
Net assets (EOY)
$5.9M
How this plan invests
This plan
1 pooled trust
Schedule D
29 securities
funds · stocks · CUSIPs
Holdings are itemized directly on this plan's Schedule of Assets, below.
Plan health score (directional)
90
/ 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
75
Concentration risk
100
Total plan cost
100
Vendor stack
100
Participation health
80
Knocking points off
- Filed 22.0 months past the 10.5-month grace window.
- 67% balance-to-active ratio — below typical for a healthy 401(k).
Helping the score
- Below-peer total fees (2 bps vs 52 bps peer median).
Decision-maker contacts
CFO / Head of HR / Benefits Manager — verified email + LinkedIn for CARING HEALTH CENTER, INC..
Plan sponsor
Name
CARING HEALTH CENTER, INC.
EIN
04-2620040
Address
1049 MAIN STREET · SPRINGFIELD, MA · 01103
Phone
(413) 693-1006
Industry
Health Care & Social Assistancesee all
Plan administrator
Same as plan sponsor.
Plan characteristics
Plan number
002
Plan year
2024
Plan year begin
2021-07-01
Tax period
2022-06-30
Filed
2025-03-14
Pension benefit codes
2F · ERISA section 404(c)
2G · Total participant-directed accounts
2L · 403(b)(1) annuity
3D · Pre-approved plan (master / prototype / VS)
Audit & trust (Schedule H)
Auditor
COHNREZNICK LLP
Trustee / custodian
—
Trustee phone
—
Service providers (Schedule C)
1 rowsRecordkeeper
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| GREAT WEST LIFE & ANNUITY INSURANCE | — | GREENWOOD VILLAGE, CO | RECORDKEEPER | $905 | — |
Investments
29 direct securities · 1 pooled fund· $5.9M(100% 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
$5.1M
27 holdings
Guaranteed Income / GIC
$818K
1 holding
Pooled Separate Account
$6K
1 holding
Pooled Separate Accounts
$6K
1 holding
| PI | Investment | Type | Shares / units | Cost | Current value | % of plan |
|---|---|---|---|---|---|---|
| Variable annuity contracts * Empower Annuity Insurance Company of America JPMorgan SmartRetirement 2030 Fund | — | — | — | $914K | 15.4% | |
| s * Talcott Resolution Life Insurance Company Fixed Account | Guaranteed Income / GIC | — | — | $818K | 13.8% | |
| Empower Annuity Insurance Company of America BNY Mellon S&P 500 Index Fund | — | — | — | $431K | 7.3% | |
| Empower Annuity Insurance Company of America American Funds The Growth Fund of America | — | — | — | $408K | 6.9% | |
| Empower Annuity Insurance Company of America JPMorgan SmartRetirement Income Fund | — | — | — | $292K | 4.9% | |
| Empower Annuity Insurance Company of America JPMorgan SmartRetirement 2040 Fund | — | — | — | $274K | 4.6% | |
| Empower Annuity Insurance Company of America MFS Value Fund | — | — | — | $268K | 4.5% | |
| Empower Annuity Insurance Company of America American Funds New Perspective Fund | — | — | — | $248K | 4.2% | |
| Empower Annuity Insurance Company of America JPMorgan SmartRetirement 2050 Fund | — | — | — | $224K | 3.8% | |
| Empower Annuity Insurance Company of America American Funds EuroPacific Growth Fund | — | — | — | $211K | 3.6% | |
| Empower Annuity Insurance Company of America MFS Government Securities Fund | — | — | — | $197K | 3.3% | |
| Empower Annuity Insurance Company of America Delaware Ivy Small Cap Growth Fund | — | — | — | $195K | 3.3% | |
| Empower Annuity Insurance Company of America BNY Mellon Mid Cap Index Fund | — | — | — | $195K | 3.3% | |
| Empower Annuity Insurance Company of America MFS Total Return Bond Fund | — | — | — | $184K | 3.1% | |
| Empower Annuity Insurance Company of America Pioneer Strategic Income Fund | — | — | — | $184K | 3.1% | |
| Empower Annuity Insurance Company of America Janus Henderson Balanced Fund | — | — | — | $169K | 2.8% | |
| Empower Annuity Insurance Company of America Calvert Equity Fund | — | — | — | $146K | 2.5% | |
| Empower Annuity Insurance Company of America American Century Mid Cap Value Fund | — | — | — | $145K | 2.4% | |
| maturing at various times and secured by participant account balances | — | — | — | $114K | 1.9% | |
| Empower Annuity Insurance Company of America JPMorgan SmartRetirement 2020 Fund | — | — | — | $114K | 1.9% | |
| Empower Annuity Insurance Company of America Victory Sycamore Small Company Opportunity Fund | — | — | — | $107K | 1.8% | |
| Empower Annuity Insurance Company of America BNY Mellon Small Cap Stock Index Fund | — | — | — | $24K | 0.4% | |
| Empower Annuity Insurance Company of America Putnam Large Cap Value Fund | — | — | — | $20K | 0.3% | |
| Empower Annuity Insurance Company of America MFS Massachusetts Investors Trust | — | — | — | $18K | 0.3% | |
| SEPARATE ACCOUNTS VOYA RETIREMENT INSURANCE AND ANNUITY COMPANY · EIN 71-0294708 / PN 000 | Pooled Separate Account | — | — | $6K | <0.1% | |
| s * Voya Retirement Insurance and Annuity Company Voya Solution 2035 Portfolio | Pooled Separate Accounts | — | — | $6K | <0.1% | |
| Empower Annuity Insurance Company of America Ave Maria Growth Fund | — | — | — | $5K | <0.1% | |
| Empower Annuity Insurance Company of America BNY Mellon Bond Market Index Fund | — | — | — | $3K | <0.1% | |
| Voya Retirement Insurance and Annuity Company Voya Fixed Plus Account II | — | — | — | $2K | <0.1% | |
| Empower Annuity Insurance Company of America Invesco Developing Markets Fund | — | — | — | $2K | <0.1% |