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Original filing (PDF)20251003154516NAL0000944243001
NORTHERN OSWEGO COUNTY HEALTH SERVICES, INC.
Form 5500
FILING_RECEIVED
NORTHERN OSWEGO COUNTY HEALTH SERVICES, INC. ERISA 403(B) PLAN
401(k) retirement plan
Active participants
310
Accounts w/ balance
309
Plan assets (EOY)
$17.0M
Net assets (EOY)
$17.0M
How this plan invests
This plan
45 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
- 49 bps in Schedule C fees — 68% above peer band of 29 bps.
Decision-maker contacts
CFO / Head of HR / Benefits Manager — verified email + LinkedIn for NORTHERN OSWEGO COUNTY HEALTH SERVICES, INC..
Plan sponsor
Name
NORTHERN OSWEGO COUNTY HEALTH SERVICES, INC.
EIN
23-7036393
Address
61 DELANO ST. · PULASKI, NY · 13142
Phone
(315) 298-6569
Industry
Offices of Physicians· 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
2025-10-03
Pension benefit codes
2G · Total participant-directed accounts
2F · ERISA section 404(c)
3D · Pre-approved plan (master / prototype / VS)
2J · 401(k) feature
2K · 401(m) arrangement
2T · Default investment account (QDIA)
2M · 403(b)(7) custodial accounts
Audit & trust (Schedule H)
Auditor
COHNREZNICK LLP
Trustee / custodian
—
Trustee phone
—
Service providers (Schedule C)
2 rowsRecordkeeper
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| MUTUAL OF AMERICA SEC. CORP LLC | — | NEW YORK, NY | RECORD KEEPER | $80K | — |
Other
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| WILSHIRE ASSOCIATES INC. | — | SANTA MONICA, CA | FIDUCIARY | $3K | — |
Investments
40 direct securities· $18.5M(100% of reported assets)
Uncategorized
$15.7M
39 holdings
Mutual Funds
$2.9M
1 holding
| PI | Investment | Type | Shares / units | Cost | Current value | % of plan |
|---|---|---|---|---|---|---|
| Mutual of America MoA Clear Passage 2035 Fund | — | — | — | $2.9M | 16.9% | |
| s * Mutual of America MoA Clear Passage 2045 Fund | Mutual Funds | — | — | $2.9M | 16.8% | |
| Mutual of America MoA Clear Passage 2030 Fund | — | — | — | $2.1M | 12.6% | |
| Mutual of America MoA Clear Passage 2025 Fund | — | — | — | $1.9M | 11.1% | |
| Mutual of America MoA Clear Passage 2040 Fund | — | — | — | $1.6M | 9.4% | |
| Mutual of America MoA Equity Index Fund | — | — | — | $1.1M | 6.5% | |
| Mutual of America MoA Clear Passage 2055 Fund | — | — | — | $1.0M | 5.9% | |
| Mutual of America MoA Clear Passage 2020 Fund | — | — | — | $731K | 4.3% | |
| Mutual of America MoA Clear Passage 2050 Fund | — | — | — | $620K | 3.6% | |
| Vanguard LifeStrategy Moderate Growth Fund | — | — | — | $503K | 3.0% | |
| Mutual of America MoA Clear Passage 2060 Fund | — | — | — | $415K | 2.4% | |
| maturing at various dates, secured by participant account balances | — | — | — | $310K | 1.8% | |
| Dodge & Cox Stock American Funds PARTICIPANT LOANS | — | — | — | $310K | 1.8% | |
| Vanguard Real Estate Index Admiral Vanguard MUTUAL FUND | — | — | — | $286K | 1.7% | |
| T. Rowe Price T. Rowe Price Blue Chip Growth Fund | — | — | — | $207K | 1.2% | |
| BlackRock Mid-Cap Growth Equity Fund | — | — | — | $180K | 1.1% | |
| American Funds MUTUAL FUND | — | — | — | $180K | 1.1% | |
| Calvert Research and Management Calvert International Responsible Index Fund | — | — | — | $137K | 0.8% | |
| Calvert Bond R6 American Funds MUTUAL FUND | — | — | — | $137K | 0.8% | |
| Vanguard Total Bond Market Index Adm Vanguard MUTUAL FUND | — | — | — | $126K | 0.7% | |
| Dodge & Cox Dodge & Cox Stock Fund | — | — | — | $116K | 0.7% | |
| Delaware Small Cap Value R6 American Funds MUTUAL FUND | — | — | — | $116K | 0.7% | |
| Mutual of America MoA Small-Cap Equity Index Fund | — | — | — | $111K | 0.7% | |
| Calvert Research and Management Calvert Bond Fund | — | — | — | $88K | 0.5% | |
| BlackRock Mid-Cap Growth Equity K American Funds MUTUAL FUND | — | — | — | $88K | 0.5% | |
| Mutual of America MoA Mid-Cap Equity Index Fund | — | — | — | $61K | 0.4% | |
| Victory Capital Victory RS Small-Cap Growth Fund | — | — | — | $35K | 0.2% | |
| Vanguard Treasury Money Market Investor Victory Funds MUTUAL FUND | — | — | — | $35K | 0.2% | |
| Vanguard Real Estate Index Fund | — | — | — | $35K | 0.2% | |
| Plan Number: 001 Vanguard MUTUAL FUND | — | — | — | $35K | 0.2% | |
| Loan Fund American Funds MUTUAL FUND | — | — | — | $32K | 0.2% | |
| MFS Investment Management MFS Mid-Cap Value Fund | — | — | — | $32K | 0.2% | |
| Vanguard International Growth Fund | — | — | — | $29K | 0.2% | |
| Vanguard Cash Reserves Federal Money Market Fund | — | — | — | $28K | 0.2% | |
| Calvert International Responsible Idx R6 American Funds MUTUAL FUND | — | — | — | $15K | <0.1% | |
| Delaware Funds by Macquarie Delaware Small-Cap Value Fund | — | — | — | $15K | <0.1% | |
| Mutual of America MoA Clear Passage 2065 Fund | — | — | — | $9K | <0.1% | |
| Mutual of America MoA Clear Passage 2015 Fund | — | — | — | $4K | <0.1% | |
| MFS Mid Cap Value R6 American Funds MUTUAL FUND | — | — | — | $4K | <0.1% | |
| Vanguard 500 Index Fund | — | — | — | $3K | <0.1% |