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Original filing (PDF)20251005181723NAL0001717987001
OSWEGO HEALTH
Form 5500
FILING_RECEIVED
OSWEGO HEALTH 403(B) RETIREMENT PLAN
403(b) retirement plan
Signals · 1
No recordkeeper disclosed
Active participants
1,491
Accounts w/ balance
1,535
Plan assets (EOY)
$75.2M
Net assets (EOY)
$75.2M
How this plan invests
This plan
31 securities
funds · stocks · CUSIPs
Holdings are itemized directly on this plan's Schedule of Assets, below.
Plan health score (directional)
89
/ 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
80
Participation health
100
Knocking points off
- 36 bps in Schedule C fees — 123% above peer band of 16 bps.
- No recordkeeper disclosed on Schedule C.
Decision-maker contacts
CFO / Head of HR / Benefits Manager — verified email + LinkedIn for OSWEGO HEALTH.
Plan sponsor
Name
OSWEGO HEALTH
EIN
15-0532220
Address
110 WEST 6TH STREET · OSWEGO, NY · 131262507
Phone
(315) 349-5553
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
2025-10-05
Pension benefit codes
2L · 403(b)(1) annuity
2M · 403(b)(7) custodial accounts
2S · Automatic enrollment
2T · Default investment account (QDIA)
Audit & trust (Schedule H)
Auditor
FUSTCHARLES LLP
Trustee / custodian
—
Trustee phone
—
Service providers (Schedule C)
2 rowsOther
2| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| LPL FINANCIAL | 95-2834236 | — | NONE | $138K | — |
| BENEFIT PLANS ADMIN SERVICES, INC. | 16-1503696 | — | NONE | $131K | — |
Investments
31 direct securities· $86.3M(100% of reported assets)
| PI | Investment | Type | Shares / units | Cost | Current value | % of plan |
|---|---|---|---|---|---|---|
| Vanguard Equity Income Admiral Mutual fund - 91,176 shares | — | — | — | $8.0M | 10.7% | |
| American Funds Growth R6 Mutual fund - 98,677 shares | — | — | — | $7.4M | 9.8% | |
| The Variable Annuity Life Insurance Company Guaranteed interest contract - rate of 1.5% | — | — | — | $6.8M | 9.0% | |
| Schedule 1 | — | — | — | $6.8M | 9.0% | |
| JP Morgan Large Cap Growth Mutual fund - 74,053 shares | — | — | — | $6.2M | 8.2% | |
| Schedule 1 Currentvalue3,299,0207,356,4051,206,7236,201,2171,317,8893,169,0268,039,004 | — | — | $8.0M | $5.3M | 7.1% | |
| Vanguard Target Retirement 2055 Mutual fund - 95,648 shares | — | — | — | $5.3M | 7.1% | |
| Vanguard Small-Cap Index Admiral Mutual fund - 41,767 shares | — | — | — | $4.8M | 6.4% | |
| Vanguard Target Retirement 2035 Mutual fund - 148,707 shares | — | — | — | $3.6M | 4.7% | |
| Vanguard Target Retirement 2030 Mutual fund - 92,146 shares | — | — | — | $3.5M | 4.6% | |
| Vanguard Target Retirement 2040 Mutual fund - 79,307 shares | — | — | — | $3.4M | 4.6% | |
| American Funds EuroPacific Mutual fund - 61,480 shares | — | — | — | $3.3M | 4.4% | |
| Vanguard Target Retirement 2050 Mutual fund - 64,536 shares | — | — | — | $3.2M | 4.3% | |
| Vanguard Mid-Cap Value Index Admiral Mutual fund - 37,821 shares | — | — | — | $3.2M | 4.2% | |
| Vanguard Target Retirement 2045 Mutual fund - 98,185 shares | — | — | — | $2.9M | 3.9% | |
| Vanguard Target Retirement 2025 Mutual fund - 141,059 shares | — | — | — | $2.6M | 3.5% | |
| Vanguard Strategic Equity Mutual fund - 45,320 shares | — | — | — | $1.6M | 2.2% | |
| Vanguard Wellington Fund Admiral Mutual fund - 17,821 shares | — | — | — | $1.3M | 1.8% | |
| Carillon Eagle Mid Cap Growth Mutual fund - 16,728 shares | — | — | — | $1.3M | 1.7% | |
| DFA Emerging Markets Mutual fund - 42,237 shares | — | — | — | $1.2M | 1.6% | |
| American Funds Small Cap Mutual fund - 10,724 shares | — | — | — | $759K | 1.0% | |
| Vanguard LT Investment-Grade Admiral Mutual fund - 93,391 shares | — | — | — | $703K | 0.9% | |
| Vanguard Target Retirement 2020 Mutual fund - 24,629 shares | — | — | — | $652K | 0.9% | |
| Putnam Large Cap Value Mutual fund - 14,200 shares | — | — | — | $490K | 0.7% | |
| JP Morgan Small Cap Growth Mutual fund - 26,111 shares | — | — | — | $470K | 0.6% | |
| Fidelity Low Priced Stock Mutual fund - 10,341 shares | — | — | — | $421K | 0.6% | |
| Vanguard ST US Treasury Fund Admiral Mutual fund - 27,141 shares | — | — | — | $266K | 0.4% | |
| Vanguard Explorer Admiral Mutual fund - 2,304 shares | — | — | — | $246K | 0.3% | |
| Federated Government Obligations Mutual fund - 212,633 shares | — | — | — | $213K | 0.3% | |
| Vanguard Target Retirement Income Mutual fund - 14,679 shares | — | — | — | $192K | 0.3% | |
| Vanguard GNMA Fund Admiral Mutual fund - 17,168 shares | — | — | — | $157K | 0.2% |