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Original filing (PDF)20251015072033NAL0008449106001
SARATOGA HOSPITAL
Form 5500
FILING_RECEIVED
RETIREMENT PLAN OF SARATOGA HOSPITAL
403(b) retirement plan
Active participants
3,219
Accounts w/ balance
4,272
Plan assets (EOY)
$367.6M
Net assets (EOY)
$367.6M
How this plan invests
This plan
1 pooled trust
Schedule D
34 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 — 82% above peer band of 10 bps.
Decision-maker contacts
CFO / Head of HR / Benefits Manager — verified email + LinkedIn for SARATOGA HOSPITAL.
Plan sponsor
Name
SARATOGA HOSPITAL
EIN
14-1338547
Address
211 CHURCH STREET · SARATOGA SPRINGS, NY · 12866
Phone
(518) 583-8435
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
2025-10-15
Pension benefit codes
2F · ERISA section 404(c)
2G · Total participant-directed accounts
2L · 403(b)(1) annuity
2M · 403(b)(7) custodial accounts
2S · Automatic enrollment
2T · Default investment account (QDIA)
3D · Pre-approved plan (master / prototype / VS)
2E · Profit-sharing
Audit & trust (Schedule H)
Auditor
UHY LLP
Trustee / custodian
—
Trustee phone
—
Service providers (Schedule C)
4 rowsRecordkeeper
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| TRANSAMERICA RETIREMENT SOLUTIONS | 13-3689044 | — | RECORD KEEPER | $668K | — |
Broker
3| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| HEALTHCARE COMMISSION SECUR CO | 04-3523567 | RENSSELAER, NY | BROKER | $0 | — |
| NATIONAL FINANCIAL SERVICES | 04-3523567 | — | SECURITIES BROKER | $0 | — |
| MORGAN STANLEY DEAN WITTER | 13-3689044 | — | BROKER | $0 | — |
Investments
32 direct securities · 1 pooled fund· $359.8M(98% 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
$346.6M
32 holdings
Pooled Separate Account
$13.3M
1 holding
| PI | Investment | Type | Shares / units | Cost | Current value | % of plan |
|---|---|---|---|---|---|---|
| Vanguard Growth Index Fund | — | — | — | $32.7M | 8.9% | |
| T. Rowe Price 2030 Target Date Retirement Fund | — | — | — | $31.8M | 8.7% | |
| Vanguard Instl Index | — | — | — | $30.4M | 8.3% | |
| T. Rowe Price 2035 Target Date Retirement Fund | — | — | — | $28.5M | 7.8% | |
| T. Rowe Price 2025 Target Date Retirement Fund | — | — | — | $27.4M | 7.4% | |
| T. Rowe Price 2040 Target Date Retirement Fund | — | — | — | $24.1M | 6.6% | |
| American Funds Washington Mutual Investors Fund | — | — | — | $22.3M | 6.1% | |
| T. Rowe Price 2045 Target Date Retirement Fund | — | — | — | $20.0M | 5.4% | |
| T. Rowe Price 2050 Target Date Retirement Fund | — | — | — | $19.4M | 5.3% | |
| American Funds American Balanced Fund | — | — | — | $19.0M | 5.2% | |
| METLIFE STABLE METROPOLITAN LIFE INSURANCE COMPANY · EIN 13-5581829 / PN 000 | Pooled Separate Account | — | — | $13.3M | 3.6% | |
| T. Rowe Price 2055 Target Date Retirement Fund | — | — | — | $12.8M | 3.5% | |
| American Funds EuroPacific Growth Fund | — | — | — | $10.4M | 2.8% | |
| American Funds New Perspective Fund | — | — | — | $9.8M | 2.7% | |
| T. Rowe Price 2020 Target Date Retirement Fund | — | — | — | $7.5M | 2.1% | |
| Metropolitan West Metropolitan West Total Return Bond I | — | — | — | $5.9M | 1.6% | |
| T. Rowe Price 2060 Target Date Retirement Fund | — | — | — | $5.9M | 1.6% | |
| Vanguard Small-Cap Index Fund | — | — | — | $4.8M | 1.3% | |
| Vanguard Mid-Cap Index Fund | — | — | — | $4.4M | 1.2% | |
| Champlain Mid Cap Instl | — | — | — | $4.1M | 1.1% | |
| John Hancock Investments John Hancock Disciplined Value Mid-Cap | — | — | — | $3.9M | 1.1% | |
| Dimensional DFA US Small Cap GR Instl | — | — | — | $2.6M | 0.7% | |
| Fidelity Securities Fidelity Advisor Small-Cap Value Fund | — | — | — | $2.5M | 0.7% | |
| T. Rowe Price 2015 Target Date Retirement Fund | — | — | — | $2.4M | 0.7% | |
| Blackrock Funds BlackRock Inflation Protected Bond Fund | — | — | — | $2.0M | 0.6% | |
| Natixis Funds Principal Real Estate Securities Inst | — | — | — | $2.0M | 0.5% | |
| T. Rowe Price 2065 Target Date Retirement Fund | — | — | — | $1.9M | 0.5% | |
| Prudential Global Total Return Z | — | — | — | $1.8M | 0.5% | |
| Federated Hermes Opp HY Bd Svc | — | — | — | $1.8M | 0.5% | |
| Federated Investors Federated High-Yield Trust | — | — | — | $1.8M | 0.5% | |
| Pioneer Intl Equity K | — | — | — | $1.3M | 0.4% | |
| T. Rowe Price 2010 Target Date Retirement Fund | — | — | — | $808K | 0.2% | |
| State Street Bank & Trust Co. Unallocated Cash Balances | — | — | — | $762K | 0.2% |