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Original filing (PDF)20250804132718NAL0002812402001
CENTRACARE HEALTH SYSTEM
Form 5500
FILING_RECEIVED
CENTRACARE HEALTH SYSTEM 403(B) PLAN
403(b) retirement plan
Signals · 1
1 failed disclosure
Active participants
7,783
Accounts w/ balance
9,421
Plan assets (EOY)
$866.6M
Net assets (EOY)
$866.6M
How this plan invests
This plan
29 securities
funds · stocks · CUSIPs
Holdings are itemized directly on this plan's Schedule of Assets, below.
Plan health score (directional)
96
/ 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
85
Concentration risk
100
Total plan cost
100
Vendor stack
100
Participation health
100
Knocking points off
- 1 Schedule C provider failed to disclose compensation.
Helping the score
- Below-peer total fees (4 bps vs 6 bps peer median).
Decision-maker contacts
CFO / Head of HR / Benefits Manager — verified email + LinkedIn for CENTRACARE HEALTH SYSTEM.
Plan sponsor
Name
CENTRACARE HEALTH SYSTEM
EIN
41-1813221
Address
1406 6TH AVENUE NORTH · ST. CLOUD, MN · 56303
Phone
(320) 255-5645
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
2025-08-04
Pension benefit codes
2F · ERISA section 404(c)
2G · Total participant-directed accounts
2M · 403(b)(7) custodial accounts
2R · Participant-directed brokerage (SDBA)
2S · Automatic enrollment
2T · Default investment account (QDIA)
3H · Sponsor in controlled / affiliated group
Audit & trust (Schedule H)
Auditor
CLIFTONLARSONALLEN LLP
Trustee / custodian
—
Trustee phone
—
Service providers (Schedule C)
2 rowsRecordkeeper
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| FIDELITY INVESTMENTS INSTITUTIONAL | 04-2647786 | — | RECORDKEEPER | $297K | — |
Legal counsel
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| LEECH TISHMAN FUSCALDO & LAMPL LLC | 25-1739882 | — | ATTORNEY/LEGAL | $43K | — |
Failed / refused disclosures (Sched C Part 2)
| Provider | Nondisclosure info |
|---|---|
| — | — |
Investments
29 direct securities· $866.6M(100% of reported assets)
| PI | Investment | Type | Shares / units | Cost | Current value | % of plan |
|---|---|---|---|---|---|---|
| Fidelity Growth Company K6 | — | — | — | $106.2M | 12.3% | |
| Vanguard Target Retirement 2030 | — | — | — | $78.6M | 9.1% | |
| Vanguard Target Retirement 2040 | — | — | — | $76.0M | 8.8% | |
| Vanguard Target Retirement 2045 | — | — | — | $70.1M | 8.1% | |
| Vanguard Target Retirement 2035 | — | — | — | $66.0M | 7.6% | |
| Fidelity 500 Index | — | — | — | $59.9M | 6.9% | |
| Vanguard Target Retirement 2050 | — | — | — | $58.5M | 6.8% | |
| Vanguard Target Retirement 2025 | — | — | — | $47.5M | 5.5% | |
| Fidelity Balanced | — | — | — | $41.4M | 4.8% | |
| Fidelity Self-Directed Brokerage Accounts | — | — | — | $36.0M | 4.2% | |
| Vanguard Target Retirement 2055 | — | — | — | $29.9M | 3.5% | |
| Vanguard Target Retirement 2020 | — | — | — | $26.8M | 3.1% | |
| John Hancock Disciplined Value International R6 | — | — | — | $21.8M | 2.5% | |
| Vanguard Federal Money Market | — | — | — | $20.5M | 2.4% | |
| William Blair Small-Mid Cap Growth | — | — | — | $20.4M | 2.4% | |
| Vanguard Total International Stock Index | — | — | — | $16.3M | 1.9% | |
| Fidelity Small Cap Index | — | — | — | $13.5M | 1.6% | |
| Vanguard Target Retirement 2065 184 Vanguard Target Retirement 2070 1 Vanguard Target Retirement Income | — | — | — | $12.1M | 1.4% | |
| Fidelity US Bond Index | — | — | — | $10.6M | 1.2% | |
| Fidelity Diversified International K6 | — | — | — | $8.2M | 0.9% | |
| Fidelity Small Cap Discovery | — | — | — | $8.0M | 0.9% | |
| BlackRock Strategic Income Opportunities Portfolio | — | — | — | $7.1M | 0.8% | |
| DFA Emerging Markets Core Equity Portfolio | — | — | — | $7.0M | 0.8% | |
| Vanguard Target Retirement 2060 | — | — | — | $5.2M | 0.6% | |
| PGIM Total Return Bond | — | — | — | $5.2M | 0.6% | |
| Vanguard FTSE Social Index | — | — | — | $5.1M | 0.6% | |
| Participants Loans Interest 4.25% to 9.50% - | — | — | — | $3.9M | 0.5% | |
| John Hancock Disciplined Value R6 | — | — | — | $3.6M | 0.4% | |
| PIMCO Total Return ESG | — | — | — | $967K | 0.1% |
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