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Original filing (PDF)20251015101917NAL0002134355001
SARATOGA-SCHENECTADY GASTROENTEROLOGY ASSOCS PC
Form 5500
FILING_RECEIVED
SARATOGA-SCHENECTADY GASTROENTEROLOGY ASSOCS. P.C. RETIREMENT PLAN
401(k) retirement plan
Active participants
184
Accounts w/ balance
222
Plan assets (EOY)
$26.8M
Net assets (EOY)
$26.8M
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
- 46 bps in Schedule C fees — 58% above peer band of 29 bps.
Decision-maker contacts
CFO / Head of HR / Benefits Manager — verified email + LinkedIn for SARATOGA-SCHENECTADY GASTROENTEROLOGY ASSOCS PC.
Plan sponsor
Name
SARATOGA-SCHENECTADY GASTROENTEROLOGY ASSOCS PC
EIN
14-1556189
Address
848 STATE ROUTE 50 · BURNT HILLS, NY · 120279511
Phone
(518) 831-1566
Industry
Offices of Physicians· 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
2025-10-15
Pension benefit codes
2A · Age/service weighted or new comparability
2E · Profit-sharing
2F · ERISA section 404(c)
2G · Total participant-directed accounts
2J · 401(k) feature
2K · 401(m) arrangement
3D · Pre-approved plan (master / prototype / VS)
3H · Sponsor in controlled / affiliated group
Audit & trust (Schedule H)
Auditor
MENGEL, METZGER, BARR & CO., LLP
Trustee / custodian
—
Trustee phone
—
Service providers (Schedule C)
4 rowsRecordkeeper
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| NEWPORT GROUP, INC. | 27-2037969 | — | RECORDKEEPER | $41K | — |
Advisor / Consultant
2| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| UBS FINANCIAL SERVICES | 13-2638166 | — | ADVISOR | $69K | — |
| THE TPA EXPERTS | — | NEW GLOUCESTER, ME | ADVISOR | $8K | — |
Accountant / Auditor
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| MENGEL, METZGER, BARR & CO., LLP | — | LATHAM, NY | AUDITOR | $5K | — |
Investments
32 direct securities· $25.8M(96% of reported assets)
| PI | Investment | Type | Shares / units | Cost | Current value | % of plan |
|---|---|---|---|---|---|---|
| T. Rowe Price Real Blue Chip Growth Fund Advisor Class | — | — | — | $3.7M | 13.8% | |
| American Funds 2035 Target Date Retirement Fund Class R-6 | — | — | — | $3.1M | 11.6% | |
| Fidelity 500 Index Fund | — | — | — | $1.9M | 7.0% | |
| MetLife Stable Value 25554 Fund Class J | — | — | — | $1.9M | 6.9% | |
| American Funds 2040 Target Date Retirement Fund Class R-6 | — | — | — | $1.7M | 6.5% | |
| American Funds 2025 Target Date Retirement Fund Class R-6 | — | — | — | $1.6M | 6.1% | |
| American Funds 2045 Target Date Retirement Fund Class R-6 | — | — | — | $1.3M | 5.0% | |
| American Funds 2030 Target Date Retirement Fund Class R-6 | — | — | — | $1.1M | 4.1% | |
| Fidelity Small-Cap Index Fund | — | — | — | $910K | 3.4% | |
| Principal International Equity Index Fund R-4 Class | — | — | — | $859K | 3.2% | |
| BlackRock High Yield Portfolio K | — | — | — | $837K | 3.1% | |
| American Funds 2020 Target Date Retirement Fund Class R-6 | — | — | — | $633K | 2.4% | |
| American Funds 2050 Target Date Retirement Fund Class R-6 | — | — | — | $588K | 2.2% | |
| MFS International Diversification Fund Class R3 | — | — | — | $567K | 2.1% | |
| Fidelity International Index Fund | — | — | — | $537K | 2.0% | |
| American Funds 2015 Target Date Retirement Fund Class R-6 | — | — | — | $498K | 1.9% | |
| Fidelity Mid-Cap Index Fund | — | — | — | $488K | 1.8% | |
| Cohen & Steers Real Estate Securities Fund, Inc. Class A | — | — | — | $482K | 1.8% | |
| PIMCO Income Fund Class A | — | — | — | $399K | 1.5% | |
| Macquarie Emerging Markets R6 | — | — | — | $380K | 1.4% | |
| American Funds 2055 Target Date Retirement Fund Class R-6 | — | — | — | $372K | 1.4% | |
| American Funds 2060 Target Date Retirement Fund Class R-6 | — | — | — | $296K | 1.1% | |
| Fidelity U.S Bond Index Fun | — | — | — | $275K | 1.0% | |
| Jhancock III Disc Val Mid Cap R6 | — | — | — | $269K | 1.0% | |
| Participant Loans | — | — | — | $234K | 0.9% | |
| JP Morgan Large Cap Growth R6 | — | — | — | $211K | 0.8% | |
| BlackRock Mid-Cap Growth Equity K | — | — | — | $193K | 0.7% | |
| Prudential Total Return Bond Fund Class A | — | — | — | $173K | 0.6% | |
| Fidelity Advisors Technology Z | — | — | — | $106K | 0.4% | |
| American Funds 2010 Target Date Retirement Fund Class R-6 | — | — | — | $71K | 0.3% | |
| Vanguard Inflation-Protected Securities Fund Investor Shares | — | — | — | $33K | 0.1% | |
| Invesco Floating Rate Fund Class A | — | — | — | $3K | <0.1% |