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Original filing (PDF)20250925131200NAL0007656273001
GARNET HEALTH MEDICAL CENTER
Form 5500
FILING_RECEIVED
GARNET HEALTH MEDICAL CENTER 403(B) RETIREMENT SAVINGS PLAN
403(b) retirement plan
Signals · 2
25% in single holdingNo recordkeeper disclosed
Active participants
4,127
Accounts w/ balance
3,540
Plan assets (EOY)
$296.5M
Net assets (EOY)
$296.5M
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)
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
87
Total plan cost
100
Vendor stack
80
Participation health
100
Knocking points off
- Top holding "Principal Fixed Income Option" is 25% of plan.
- No recordkeeper disclosed on Schedule C.
Helping the score
- Below-peer total fees (2 bps vs 10 bps peer median).
Decision-maker contacts
CFO / Head of HR / Benefits Manager — verified email + LinkedIn for GARNET HEALTH MEDICAL CENTER.
Plan sponsor
Name
GARNET HEALTH MEDICAL CENTER
EIN
14-1364536
Address
707 E MAIN STREET · MIDDLETOWN, NY · 10940
Phone
(845) 333-7176
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
2025-09-25
Pension benefit codes
2F · ERISA section 404(c)
2G · Total participant-directed accounts
2L · 403(b)(1) annuity
2M · 403(b)(7) custodial accounts
2T · Default investment account (QDIA)
3D · Pre-approved plan (master / prototype / VS)
3H · Sponsor in controlled / affiliated group
Audit & trust (Schedule H)
Auditor
RBT CPAS, LLP
Trustee / custodian
—
Trustee phone
—
Service providers (Schedule C)
3 rowsAdvisor / Consultant
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| MERRILL LYNCH | 13-5674085 | — | INVESTMENT ADVISORY | $0 | — |
TPA / Administrator
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| PRINCIPAL LIFE INSURANCE COMPANY | 42-0127290 | — | CONTRACT ADMINISTRATOR | $67K | — |
Accountant / Auditor
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| RBT CPAS | 14-1604297 | — | ACCOUNTANT | $0 | — |
Investments
32 direct securities· $295.9M(100% of reported assets)
| PI | Investment | Type | Shares / units | Cost | Current value | % of plan |
|---|---|---|---|---|---|---|
| Principal Fixed Income Option | — | — | $4.9M | $74.8M | 25.2% | |
| Principal LargeCap Growth Fund I | — | — | $1.7M | $25.1M | 8.5% | |
| Principal LargeCap S& P 500 Index Fund | — | — | $856K | $24.2M | 8.2% | |
| Clearbridge LargeCap Val I FD | — | — | $551K | $21.7M | 7.3% | |
| Loomis Sayles Investment Grade Bond Fund | — | — | $1.8M | $21.0M | 7.1% | |
| American EuroPacific Growth Fund | — | — | $372K | $19.5M | 6.6% | |
| JPMorgan Government Bond Fund | — | — | $1.3M | $12.4M | 4.2% | |
| Principal Bond Market Index Fund | — | — | $1.3M | $10.5M | 3.5% | |
| Principal Smallcap S& P 600 Index Fund | — | — | $392K | $10.1M | 3.4% | |
| Franklin DynaTech Fund | — | — | $51K | $9.5M | 3.2% | |
| John Hancock Disc Value MC R6 Fund | — | — | $341K | $9.2M | 3.1% | |
| American Funds NewWorld | — | — | $99K | $7.6M | 2.6% | |
| Janus Henderson Enterprise Fund | — | — | $52K | $7.4M | 2.5% | |
| Principal MidCap S& P 400 Index Fund | — | — | $320K | $7.0M | 2.4% | |
| Participant Loans, Varying Maturity Dates, Interest rates ranging from 4.25% to 9.50% | — | 594 | — | $5.2M | 1.8% | |
| Undiscovered Managers Behavioral Value Fund | — | — | $54K | $4.5M | 1.5% | |
| Principal Capital Appreciation Fund | — | — | $48K | $3.9M | 1.3% | |
| Fidelity Adv Balanced Z Fund | — | — | $131K | $3.9M | 1.3% | |
| Lord Abbett Developing Growth Fund Inc | — | — | $128K | $3.8M | 1.3% | |
| Principal Real Estate Securities Fund | — | — | $142K | $3.8M | 1.3% | |
| Principal High Yield Fund | — | — | $544K | $3.7M | 1.2% | |
| Lincoln Annuity Contract | — | — | — | $2.3M | 0.8% | |
| BlackRock Health Sciences Opportunities Portfolio | — | — | $27K | $1.8M | 0.6% | |
| Calvert US Large Cap Core Responsible Index Fund | — | — | $22K | $1.1M | 0.4% | |
| Principal International Equity Index Fund | — | — | $84K | $919K | 0.3% | |
| American CENT SD INF PRT BD R6 FD | — | — | $79K | $815K | 0.3% | |
| Lincoln VIP SSGA Small-Cap Index | — | — | — | $109K | <0.1% | |
| Transamerica Partners Large Growth | — | — | $176 | $53K | <0.1% | |
| Transamerica General Account | — | — | — | $20K | <0.1% | |
| Lincoln VIP T.Rowe Price Structured | — | — | — | $12K | <0.1% | |
| T. Rowe Price International Stock | — | — | — | $10K | <0.1% | |
| Transamerica Partners Large Value | — | — | $16 | $3K | <0.1% |