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Original filing (PDF)20251119143201NAL0006494320002
BMO FINANCIAL CORP.
Form 5500
FILING_RECEIVED
BMO RETIREE MEDICAL AND LIFE INSURANCE PLAN
Health & welfare plan
Signals · 2
Late filing · 0.1 mo100% in single holding
Active participants
—
Accounts w/ balance
—
Plan assets (EOY)
$74.0M
Net assets (EOY)
$74.0M
How this plan invests
This plan
1 securities
funds · stocks · CUSIPs
Holdings are itemized directly on this plan's Schedule of Assets, below.
Plan health score (directional)
85
/ 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
75
Total plan cost
65
Vendor stack
100
Participation health
90
Knocking points off
- Filed 0.1 months past the 10.5-month grace window.
- Top holding "Federated Hermes GovernmentObligations Fund" is 100% of plan.
- 42 bps in Schedule C fees — 165% above peer band of 16 bps.
- No active participants reported but plan still holds assets.
Decision-maker contacts
CFO / Head of HR / Benefits Manager — verified email + LinkedIn for BMO FINANCIAL CORP..
Plan sponsor
Name
BMO FINANCIAL CORP.
EIN
51-0275712
Address
320 SOUTH CANAL STREET · 7 WEST · CHICAGO, IL · 606065707
Phone
(312) 848-8155
Industry
Commercial Banking· Finance & Insurancesee all
Plan administrator
Name
BENEFITS ADMINISTRATION COMMITTEE
EIN
36-2873029
City
CHICAGO, IL
Phone
(312) 848-8155
Plan characteristics
Plan number
508
Plan year
2024
Plan year begin
2024-01-01
Tax period
2024-12-31
Filed
2025-11-19
Welfare benefit codes
4A · Health (other than dental or vision)
4B · Life Insurance
4D · Dental
4F · Temporary Disability (accident and sickness)
4L · Death Benefits (other than life insurance)
4Q · Other
Audit & trust (Schedule H)
Auditor
GJC CPA'S & ADVISORS
Trustee / custodian
—
Trustee phone
—
Service providers (Schedule C)
5 rowsOther
5| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| GROOM LAW GROUP CHARTERED | 52-1219029 | — | NONE | $152K | — |
| BLUE CROSS BLUE SHIELD OF ILLINOIS | 36-1236610 | — | NONE | $72K | — |
| WILLIS TOWERS WATSON U.S. LLC | 53-0181291 | — | NONE | $43K | — |
| UMR, INC. | 39-1995276 | — | NONE | $40K | — |
| EXPRESS SCRIPTS | 43-1420563 | — | NONE | $8K | — |
Investments
1 direct security· $73.7M(100% of reported assets)
| PI | Investment | Type | Shares / units | Cost | Current value | % of plan |
|---|---|---|---|---|---|---|
| Federated Hermes GovernmentObligations Fund | — | — | $73.7M | $73.7M | 99.6% |