Back to filter
Original filing (PDF)20251010164329NAL0018524194001
LOWELL COMMUNITY HEALTH CENTER, INC.
Form 5500
FILING_RECEIVED
LOWELL COMMUNITY HEALTH CENTER 403(B) PLAN
403(b) retirement plan
Active participants
566
Accounts w/ balance
215
Plan assets (EOY)
$12.5M
Net assets (EOY)
$12.5M
How this plan invests
This plan
1 pooled trust
Schedule D
40 securities
funds · stocks · CUSIPs
Holdings are itemized directly on this plan's Schedule of Assets, below.
Plan health score (directional)
95
/ 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
100
Participation health
65
Knocking points off
- Only 38% as many balances as active participants — suggests many active employees aren't deferring.
Helping the score
- Below-peer total fees (4 bps vs 29 bps peer median).
Decision-maker contacts
CFO / Head of HR / Benefits Manager — verified email + LinkedIn for LOWELL COMMUNITY HEALTH CENTER, INC..
Plan sponsor
Name
LOWELL COMMUNITY HEALTH CENTER, INC.
EIN
04-2881348
Address
161 JACKSON STREET · LOWELL, MA · 01852
Phone
(978) 322-8596
Industry
Health Care & Social Assistancesee 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
2025-10-10
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
AAFCPAS, INC.
Trustee / custodian
—
Trustee phone
—
Service providers (Schedule C)
2 rowsRecordkeeper
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| EMPOWER ANNUITY INSURANCE COMPANY O | — | GREENWOOD VILLAGE, CO | RECORDKEEPER | $2K | — |
Other
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| EMPOWER ADVISORY GROUP, LLC | — | GREENWOOD VILLAGE, CO | INVESTMENT MGMT | $3K | — |
Investments
39 direct securities · 1 pooled fund· $23.3M(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
$12.4M
39 holdings
Common Collective Trust
$10.9M
1 holding
| PI | Investment | Type | Shares / units | Cost | Current value | % of plan |
|---|---|---|---|---|---|---|
| SEPARATE ACCOUNT 11 TALCOTT RESOLUTION LIFE INSURANCE COMPANY · EIN 06-0974148 / PN 000 | Common Collective Trust | — | — | $10.9M | 87.2% | |
| Party-In- Identity of Issue, Borrower, Rate of Interest, Collateral, Current Interest Lessor, or Similar Party Par, or Maturity Value Cost Value ** BNY Mellon S&P 500 Index Pooled Separate Account | — | — | — | $2.2M | 17.4% | |
| General Account Guaranteed Investment Contract | — | — | — | $1.1M | 8.7% | |
| Pioneer Strategic Income Inv OPT A Pooled Separate Account | — | — | — | $957K | 7.7% | |
| American Fnd the GRW FD of AMR INV OPT R3 Pooled Separate Account | — | — | — | $891K | 7.1% | |
| MFS Govt Sec INV OPT R3 Pooled Separate Account | — | — | — | $743K | 5.9% | |
| MFS Value Fund Pooled Separate Account | — | — | — | $725K | 5.8% | |
| American Funds Europac Gwrt Inv OPT 3 Pooled Separate Account | — | — | — | $663K | 5.3% | |
| JP Morgan SmartRetirement Income 2040 Pooled Separate Account | — | — | — | $600K | 4.8% | |
| BNY Mellon MidCap Index Pooled Separate Account | — | — | — | $568K | 4.5% | |
| Franklin Mutual Global Discovery Fund Pooled Separate Account | — | — | — | $537K | 4.3% | |
| JP Morgan Smartretirement 2050 Fund Class A Pooled Separate Account | — | — | — | $502K | 4.0% | |
| BNY Mellon SmallCap Stock Index Pooled Separate Account | — | — | — | $315K | 2.5% | |
| American Century US Govt MM Pooled Separate Account | — | — | — | $306K | 2.5% | |
| JP Morgan SmartRetirement 2030 Fund Class A Pooled Separate Account | — | — | — | $297K | 2.4% | |
| MacQuarie Small Cap Growth Y Pooled Separate Account | — | — | — | $228K | 1.8% | |
| Calvert Equity Portfolio Fund Pooled Separate Account | — | — | — | $216K | 1.7% | |
| Victory Sycamore SML Co OPP Fund Pooled Separate Account | — | — | — | $194K | 1.6% | |
| BNY Mellon Bond Market Index Pooled Separate Account | — | — | — | $182K | 1.5% | |
| Vanguard 500 Index Admiral Mutual Fund | — | — | — | $182K | 1.5% | |
| Massachusetts Investors Trust Pooled Separate Account | — | — | — | $176K | 1.4% | |
| JPMorgan SmartRetirement 2020 Fund Class A Pooled Separate Account | — | — | — | $116K | 0.9% | |
| MFS Total Return Inv Opt R3 Pooled Separate Account | — | — | — | $99K | 0.8% | |
| Invesco Real Estate Pooled Separate Account | — | — | — | $89K | 0.7% | |
| BNY Mellon Active Midcap A Mutual Fund | — | — | — | $88K | 0.7% | |
| MFS Total Return Bond Pooled Separate Account | — | — | — | $80K | 0.6% | |
| Clearbridge Value A Mutual Fund | — | — | — | $70K | 0.6% | |
| Victory Munder MC Core GR Pooled Separate Account | — | — | — | $58K | 0.5% | |
| JP Morgan SmartRetirement Income Fund Class A Pooled Separate Account | — | — | — | $50K | 0.4% | |
| through January 2029 - | — | — | — | $47K | 0.4% | |
| Blackrock Global Allocation Fund Pooled Separate Account | — | — | — | $44K | 0.4% | |
| American Century Mid Cap Value Pooled Separate Account | — | — | — | $31K | 0.2% | |
| Fidelity Advisor Capital & Income M Mutual Fund | — | — | — | $29K | 0.2% | |
| DWS International Growth S Mutual Fund | — | — | — | $26K | 0.2% | |
| Vanguard Total Bond Market Index ADM Mutual Fund | — | — | — | $20K | 0.2% | |
| Vanguard Federal Money Market Inv Mutual Fund | — | — | — | $17K | 0.1% | |
| Allspring Gov't Sec A Mutual Fund | — | — | — | $10K | <0.1% | |
| BNY Mellon S&P 500 Index Mutual Fund | — | — | — | $9K | <0.1% | |
| Party-In- Identity of Issue, Borrower, Rate of Interest, Collateral, Current Interest Lessor, or Similar Party Par, or Maturity Value Cost Value Vanguard Small Cap Index ADM Mutual Fund | — | — | — | $9K | <0.1% | |
| Calvert Bond Fund Pooled Separate Account | — | — | — | $3K | <0.1% |