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Original filing (PDF)20251015124920NAL0002318867001
ESSENTIA HEALTH
Form 5500
FILING_RECEIVED
ESSENTIA HEALTH RETIREMENT PLAN
401(k) retirement plan
Signals · 2
No recordkeeper disclosed7 service providers
Active participants
16,170
Accounts w/ balance
19,655
Plan assets (EOY)
$2.2B
Net assets (EOY)
$2.2B
How this plan invests
This plan
13 pooled trusts
Schedule D
29 securities
funds · stocks · CUSIPs
Holdings are itemized directly on this plan's Schedule of Assets, below.
Plan health score (directional)
93
/ 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
80
Vendor stack
80
Participation health
100
Knocking points off
- 6 bps in Schedule C fees — modestly above peer band of 5 bps.
- No recordkeeper disclosed on Schedule C.
Decision-maker contacts
CFO / Head of HR / Benefits Manager — verified email + LinkedIn for ESSENTIA HEALTH.
Plan sponsor
Name
ESSENTIA HEALTH
EIN
20-0360007
Address
407 EAST 3RD STREET · DULUTH, MN · 55805
Phone
(218) 786-4468
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
2025-10-15
Pension benefit codes
2E · Profit-sharing
2F · ERISA section 404(c)
2G · Total participant-directed accounts
2J · 401(k) feature
2K · 401(m) arrangement
2R · Participant-directed brokerage (SDBA)
2T · Default investment account (QDIA)
3D · Pre-approved plan (master / prototype / VS)
3H · Sponsor in controlled / affiliated group
Audit & trust (Schedule H)
Auditor
EIDE BAILLY, LLP
Trustee / custodian
—
Trustee phone
—
Service providers (Schedule C)
7 rowsOther
7| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| EMPOWER ANNUITY INSURANCE COMPANY | 84-0467907 | — | NONE | $1.2M | — |
| FIDUCIENT ADVISORS LLC | 36-4001764 | — | NONE | $138K | — |
| EIDE BAILLY LLP | 45-0250958 | — | NONE | $19K | — |
| GS INVESTMENTS INC | 41-1743200 | — | NONE | $6K | — |
| ENVESTNET ASSET MANAGEMENT INC | 36-4319587 | — | NONE | $6K | — |
| VESTIA ADVISORS LLC | 82-1828832 | — | NONE | $5K | — |
| CHARLES SCHWAB & CO., INC. | 94-1737782 | — | NONE | $2K | — |
Investments
16 direct securities · 13 pooled funds· $2.1B(98% of reported assets)
Rows tagged as a trust or pooled fund hold many underlying securities. Click one to drill into its own Schedule of Assets — where the individual funds, shares, and CUSIPs live.
Common Collective Trust
$1.5B
13 holdings
Uncategorized
$663.7M
16 holdings
| PI | Investment | Type | Shares / units | Cost | Current value | % of plan |
|---|---|---|---|---|---|---|
| Vanguard Institutional Index Mutual fund N/A | — | — | — | $331.5M | 15.1% | |
| VANGUARD TARGET RETIRE PLUS 2045 VANGUARD FIDUCIARY TRUST COMPANY · EIN 90-0735972 / PN 001 | Common Collective Trust | — | — | $234.1M | 10.7% | |
| VANGUARD TARGET RETIRE PLUS 2035 VANGUARD FIDUCIARY TRUST COMPANY · EIN 90-0735965 / PN 001 | Common Collective Trust | — | — | $216.2M | 9.9% | |
| VANGUARD TARGET RETIRE PLUS 2050 VANGUARD FIDUCIARY TRUST COMPANY · EIN 90-0735976 / PN 001 | Common Collective Trust | — | — | $178.5M | 8.2% | |
| VANGUARD TARGET RETIRE PLUS 2030 VANGUARD FIDUCIARY TRUST COMPANY · EIN 90-0735964 / PN 001 | Common Collective Trust | — | — | $177.6M | 8.1% | |
| VANGUARD TARGET RETIRE PLUS 2025 VANGUARD FIDUCIARY TRUST COMPANY · EIN 90-0735963 / PN 001 | Common Collective Trust | — | — | $147.4M | 6.7% | |
| VANGUARD TARGET RETIRE PLUS 2040 VANGUARD FIDUCIARY TRUST COMPANY · EIN 90-0735971 / PN 001 | Common Collective Trust | — | — | $143.2M | 6.5% | |
| VANGUARD TARGET RETIRE PLUS 2055 VANGUARD FIDUCIARY TRUST COMPANY · EIN 90-0735978 / PN 001 | Common Collective Trust | — | — | $126.6M | 5.8% | |
| WELLS FARGO STABLE VALUE E WELLS FARGO BANK NA · EIN 52-2250951 / PN 001 | Common Collective Trust | — | — | $72.9M | 3.3% | |
| VANGUARD TARGET RETIRE PLUS 2020 VANGUARD FIDUCIARY TRUST COMPANY · EIN 90-0735899 / PN 001 | Common Collective Trust | — | — | $69.3M | 3.2% | |
| JPMorgan Mid Cap Equity Mutual fund N/A | — | — | — | $54.2M | 2.5% | |
| VANGUARD TARGET RETIRE PLUS 2060 VANGUARD FIDUCIARY TRUST COMPANY · EIN 45-3799736 / PN 001 | Common Collective Trust | — | — | $52.0M | 2.4% | |
| VANGUARD TARGET RETIRE PLUS INCOME VANGUARD FIDUCIARY TRUST COMPANY · EIN 90-0735883 / PN 001 | Common Collective Trust | — | — | $49.4M | 2.3% | |
| Charles Schwab Institutional Personal Choice Retirement Account N/A | — | — | — | $43.4M | 2.0% | |
| Vanguard Extended Market Index Mutual fund N/A | — | — | — | $41.0M | 1.9% | |
| Lessor, or Similar Party Par, or Maturity Value Cost Value American Funds EuroPacific Mutual fund N/A | — | — | — | $32.5M | 1.5% | |
| Delaware Funds Small Cap Core Mutual fund N/A | — | — | — | $31.4M | 1.4% | |
| Vanguard FTSE Social Index Mutual fund N/A | — | — | — | $29.4M | 1.3% | |
| Vanguard Total Bond Market Index Mutual fund N/A | — | — | — | $28.7M | 1.3% | |
| Notes receivable from participants Maturing 2025-2039 at interest rates of 4.16% - 9.99% - | — | — | — | $20.4M | 0.9% | |
| Metropolitan West Total Return Bond Mutual fund N/A | — | — | — | $16.4M | 0.7% | |
| VANGUARD TARGET RETIRE PLUS 2065 VANGUARD FIDUCIARY TRUST COMPANY · EIN 82-6204383 / PN 001 | Common Collective Trust | — | — | $15.5M | 0.7% | |
| Vanguard Total International Stock Index Mutual fund N/A | — | — | — | $12.8M | 0.6% | |
| Vanguard Inflation Protected Secs Mutual fund N/A | — | — | — | $7.7M | 0.4% | |
| T. Rowe Price International Discovery Mutual fund N/A | — | — | — | $6.0M | 0.3% | |
| JPMorgan Emerging Markets Equity Mutual fund N/A | — | — | — | $5.1M | 0.2% | |
| VANGUARD TARGET RETIRE PLUS 2070 VANGUARD FIDUCIARY TRUST COMPANY · EIN 90-0735981 / PN 496 | Common Collective Trust | — | — | $3.3M | 0.2% | |
| PIMCO International Bond Mutual fund N/A | — | — | — | $2.5M | 0.1% | |
| Vanguard Federal Money Market Money market fund N/A | — | — | — | $769K | <0.1% |