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Original filing (PDF)20251013092030NAL0000920209003
STERLING AREA HEALTH CENTER
Form 5500
FILING_RECEIVED
STERLING AREA HEALTH CENTER 403B
403(b) retirement plan
Signals · 1
No recordkeeper disclosed
Active participants
116
Accounts w/ balance
168
Plan assets (EOY)
$6.6M
Net assets (EOY)
$6.6M
How this plan invests
This plan
2 pooled trusts
Schedule D
50 securities
funds · stocks · CUSIPs
Holdings are itemized directly on this plan's Schedule of Assets, below.
Plan health score (directional)
98
/ 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
100
Vendor stack
80
Participation health
100
Knocking points off
- No recordkeeper disclosed on Schedule C.
Decision-maker contacts
CFO / Head of HR / Benefits Manager — verified email + LinkedIn for STERLING AREA HEALTH CENTER.
Plan sponsor
Name
STERLING AREA HEALTH CENTER
EIN
38-2205859
Address
725 EAST STATE STREET · STERLING, MI · 486599548
Phone
(989) 654-2491
Industry
Outpatient Care Centers· 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
2025-10-13
Pension benefit codes
2L · 403(b)(1) annuity
2M · 403(b)(7) custodial accounts
Audit & trust (Schedule H)
Auditor
YEO & YEO PC
Trustee / custodian
—
Trustee phone
—
Service providers (Schedule C)
2 rowsBroker
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| OSAIC WEALTH, INC | — | SCOTTSDALE, AZ | BROKER | $14K | — |
TPA / Administrator
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| VOYA RETIREMENT INSURANCE | 71-0294708 | HARTFORD, CT | CONTRACT ADMIN | $13K | — |
Investments
49 direct securities · 2 pooled funds· $11.8M(100% 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.
Uncategorized
$6.3M
47 holdings
Pooled Separate Account
$5.2M
2 holdings
Insurance Contracts
$304K
1 holding
Pooled Separate Accounts
$13K
1 holding
| PI | Investment | Type | Shares / units | Cost | Current value | % of plan |
|---|---|---|---|---|---|---|
| VOYA RETIREMENT VOYA RETIREMENT INSURANCE AND ANNUITY · EIN 71-0294708 / PN 000 | Pooled Separate Account | — | — | $5.0M | 76.1% | |
| Empower Annuity Insurance Company of America Empower Guaranteed Fixed Fund | — | — | — | $1.1M | 17.2% | |
| Voya Retirement Insurance and Annuity Company Vangrd Trgt Retire 2045 Fd | — | — | — | $989K | 14.9% | |
| Voya Retirement Insurance and Annuity Company Vangrd Trgt Retire 2025 Fd | — | — | — | $958K | 14.4% | |
| Voya Retirement Insurance and Annuity Company Eaton Vance Atl Cp SMIDCp F R6 | — | — | — | $388K | 5.9% | |
| Voya Retirement Insurance and Annuity Company TRwPr Blue Chip Growth Fnd | — | — | — | $349K | 5.3% | |
| Voya Retirement Insurance and Annuity Company Vangrd Trgt Retire 2030 Fd | — | — | — | $340K | 5.1% | |
| Voya Retirement Insurance and Annuity Company Vangrd Trgt Retire 2040 Fd | — | — | — | $328K | 4.9% | |
| Voya Retirement Insurance and Annuity Company Vangrd Trgt Retire 2035 Fd | — | — | — | $327K | 4.9% | |
| * Voya Retirement Insurance and Annuity Company Voya Fixed Plus Account III | Insurance Contracts | — | — | $304K | 4.6% | |
| Voya Retirement Insurance and Annuity Company American Funds Nw Prspctv R4 | — | — | — | $283K | 4.3% | |
| Voya Retirement Insurance and Annuity Company Vangrd Trgt Retire 2050 Fd | — | — | — | $229K | 3.4% | |
| Voya Retirement Insurance and Annuity Company Vangrd Trgt Retire 2020 Fd | — | — | — | $196K | 3.0% | |
| Voya Retirement Insurance and Annuity Company Voya US Stock Index Port Ins | — | — | — | $139K | 2.1% | |
| Voya Retirement Insurance and Annuity Company Neuberg Berm Real Est Fnd R6 | — | — | — | $115K | 1.7% | |
| FUTUREFUNDS SERIES ACCOUNT II EMPOWER ANNUITY INSURANCE COMPANY OF AMERICA · EIN 84-0467907 / PN 003 | Pooled Separate Account | — | — | $109K | 1.6% | |
| Voya Retirement Insurance and Annuity Company Vangrd Trgt Retire 2055 Fd | — | — | — | $108K | 1.6% | |
| Voya Retirement Insurance and Annuity Company Vangrd Mid-Cap Index Fund Adm | — | — | — | $69K | 1.0% | |
| Voya Retirement Insurance and Annuity Company Vangrd Trgt Retire 2060 Fd | — | — | — | $49K | 0.7% | |
| Voya Retirement Insurance and Annuity Company Janus Hndr Triton Fd N | — | — | — | $29K | 0.4% | |
| Voya Retirement Insurance and Annuity Company MFS Intl New Discovery Fnd R6 | — | — | — | $28K | 0.4% | |
| Empower Annuity Insurance Company of America Banded Portfolio Fund | — | — | — | $25K | 0.4% | |
| Empower Annuity Insurance Company of America Empower Mid Cap Value Inv ** 3 * Empower Annuity Insurance Company of America Empower Bond Index Fund Inv | — | — | — | $19K | 0.3% | |
| Voya Retirement Insurance and Annuity Company American Funds EuroPacific R5 | — | — | — | $16K | 0.2% | |
| Voya Retirement Insurance and Annuity Company Vangrd Trgt Retire 2070 Fd | — | — | — | $15K | 0.2% | |
| Voya Retirement Insurance and Annuity Company Vangrd LifeStrat Grw Fd Inv | — | — | — | $14K | 0.2% | |
| s * Voya Retirement Insurance and Annuity Company American Funds Am Balanced R6 | Pooled Separate Accounts | — | — | $13K | 0.2% | |
| Empower Annuity Insurance Company of America American Century Equity Income Fund | — | — | — | $10K | 0.2% | |
| Empower Annuity Insurance Company of America Invesco Global A | — | — | — | $10K | 0.2% | |
| Voya Retirement Insurance and Annuity Company Voya Intermediate Bond Fund R6 | — | — | — | $10K | 0.1% | |
| Empower Annuity Insurance Company of America Artisan International Fund | — | — | — | $9K | 0.1% | |
| Participant loans Interest rates range were 9.50% -0- | — | — | — | $8K | 0.1% | |
| Voya Retirement Insurance and Annuity Company Vangrd LifeStrat Cns Gr Fd Inv | — | — | — | $8K | 0.1% | |
| Empower Annuity Insurance Company of America Fidelity VIP Growth Portfolio | — | — | — | $8K | 0.1% | |
| Empower Annuity Insurance Company of America Columbia Select Mid Cap Value R | — | — | — | $8K | 0.1% | |
| Empower Annuity Insurance Company of America Empower International Value Inv | — | — | — | $8K | 0.1% | |
| Empower Annuity Insurance Company of America Pioneer Vct Equity-Income Portfolio II | — | — | — | $7K | 0.1% | |
| Voya Retirement Insurance and Annuity Company Vangrd LifeStrat Inc Fd Inv ** 83 * Voya Retirement Insurance and Annuity Company Vangrd LifeStrat Md Grw Fd Inv | — | — | — | $7K | 0.1% | |
| Empower Annuity Insurance Company of America Pimco Total Return Admin | — | — | — | $7K | 0.1% | |
| Voya Retirement Insurance and Annuity Company PGIM High Yield Fund R6 | — | — | — | $6K | <0.1% | |
| Voya Retirement Insurance and Annuity Company Victory Sycmr Est Vl Fd R6 | — | — | — | $4K | <0.1% | |
| Empower Annuity Insurance Company of America Empower Large Cap Value Investor II | — | — | — | $3K | <0.1% | |
| Empower Annuity Insurance Company of America Janus Forty T | — | — | — | $3K | <0.1% | |
| Empower Annuity Insurance Company of America Putnam High Yield R | — | — | — | $3K | <0.1% | |
| Empower Annuity Insurance Company of America Empower S&P Small Cap 600 Index Fd Inv | — | — | — | $3K | <0.1% | |
| Empower Annuity Insurance Company of America Alger Mid Cap Growth I-2 | — | — | — | $3K | <0.1% | |
| Voya Retirement Insurance and Annuity Company American Funds Wash Mutual R6 ** 810 * Voya Retirement Insurance and Annuity Company DFA US Small Cap Portfolio Ins | — | — | — | $2K | <0.1% | |
| Empower Annuity Insurance Company of America Guaranteed Interest Fund | — | — | — | $2K | <0.1% | |
| Empower Annuity Insurance Company of America Federated Hermes Equity Income Fund A | — | — | — | $2K | <0.1% | |
| Empower Annuity Insurance Company of America American Funds Growth Fund R3 | — | — | — | $2K | <0.1% | |
| Voya Retirement Insurance and Annuity Company MFS Research Fund R3 | — | — | — | $1K | <0.1% |