How big is Upper Bay Counseling and Support Services, Inc.'s plan?

Upper Bay Counseling and Support Services, Inc.'s plan reported $6.1M in assets and 107 participants for 2024.

Original filing (PDF)20251014114211NAL0001295539001

Upper Bay Counseling and Support Services, Inc.

Name: Upper Bay Counseling and Support Services, Inc. — Form 5500 Plan 001 (2024)
Creator: Upper Bay Counseling and Support Services, Inc.
License: https://www.usa.gov/government-works

Form 5500

FILING_RECEIVED

Upper Bay 403(b) Plan

403(b) retirement plan · Upper Bay Counseling and Support Services, Inc.'s Upper Bay 403(b) Plan held $6.1M in plan assets for 107 participants in 2024, with Lincoln Financial as recordkeeper.

Signals · 3

29% employer stockCorrective distributions issued~79 bps in Sched C fees

Active participants

107

Accounts w/ balance

215

Plan assets (EOY)

$6.1M

Net assets (EOY)

$6.1M

People on this filing

Julie RUND signed Upper Bay Counseling and Support Services, Inc.'s 2024 Form 5500 as plan administrator.

Julie RUND — Plan Administrator — Form 5500 signer
Suanne Blumberg — Employer / Plan Sponsor — Form 5500 signer

Get verified email & phone for these signers

Signer names are public record from the Form 5500 e-signature.

Plan identifiers

Upper Bay Counseling and Support Services, Inc.'s EIN is 51-0329224.

EIN 51-0329224

Plan number 001

Plan year 2024

ACK ID 20251014114211NAL0001295539001

Official Form 5500 document

Download the official 2024 Form 5500 (PDF) for Upper Bay Counseling and Support Services, Inc. from the U.S. Department of Labor's EFAST2 system.

Download the official 2024 Form 5500 (PDF)

Plan features

Upper Bay Counseling and Support Services, Inc.'s plan includes ERISA 404(c) participant direction, a 403(b) annuity, 403(b) custodial accounts, a default investment (QDIA).

Decision-maker contacts

One unlock reveals every key decision-maker — plan signer, CFO, HR & Benefits — with verified email + LinkedIn for UPPER BAY COUNSELING AND SUPPORT SERVICES, INC..

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How this plan invests

This plan

47 securities

funds · stocks · CUSIPs

Holdings are itemized directly on this plan's Schedule of Assets, below.

Plan health score

Above-average plan

Directional indicator from public Form 5500 data — compliance & integrity, total plan cost, participant health and vendor stack, benchmarked against same-size peers. Not a fiduciary tool.

Compliance & integrity

Total plan cost

Plan health

Vendor & structure

100

Knocking points off

Corrective distributions issued (likely failed ADP/ACP testing).

Helping the score

High account-holder ratio — balance-holders per active participant in the top 15% of peers (93rd percentile).

Plan sponsor

Name

UPPER BAY COUNSELING AND SUPPORT SERVICES, INC.

EIN

all filings

Address

200 BOOTH ST · ELKTON, MD · 219215657

Phone

(410) 996-3400

Industry

Health Care & Social Assistance

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

2025-10-14

Pension benefit codes

2F · ERISA section 404(c)

2G · Total participant-directed accounts

2L · 403(b)(1) annuity

2M · 403(b)(7) custodial accounts

2T · Default investment account (QDIA)

3D · Pre-approved plan (master / prototype / VS)

Audit & trust (Schedule H)

Auditor

GROSS, MENDELSOHN & ASSOCIATES, P.A

Service providers (Schedule C)

1 rows

Recordkeeper

Name	EIN	Location	Relation	Direct comp	Indirect comp
LINCOLN NATIONAL CORPORATION	35-1140070	—	SERVICE PROVIDER	$48K	—

Investments

47 direct securities· $5.8M(96% of reported assets)

Common Stocks

$1.7M

7 holdings

Mutual Funds

$1.6M

16 holdings

Common Collective Trusts

$1.1M

3 holdings

Other securities

$723K

18 holdings

Stable Value

$531K

1 holding

Registered Investment Companies

$278K

1 holding

Cash / Money Market

$7K

1 holding

					% of plan
Lincoln Financial Group Baird Aggregate Bond Class Institutional	Common Stocks	—	—	$817K	13.4%
Lincoln Financial Group Lincoln Stable Value Account	Stable Value	—	—	$531K	8.7%
Lincoln Financial Group Vanguard 500 Index Admiral Class	Common Collective Trusts	—	—	$511K	8.4%
Lincoln Financial Group Vanguard Developed Markets Index Fund Admiral Shares	Common Collective Trusts	—	—	$392K	6.4%
Lincoln Financial Group Blackrock Inflation Protected Bond Institutional	Common Stocks	—	—	$334K	5.5%
Funds * Lincoln Financial Group American Century Mid Cap Value	Registered Investment Companies	—	—	$278K	4.6%
Lincoln Financial Group American Funds Washington Mutual Investors	Mutual Funds	—	—	$261K	4.3%
Lincoln National Life - Multifund American Funds Growth	Mutual Funds	—	—	$247K	4.0%
Investments at Contract Value * Lincoln National Life - Multifund Fixed Account	Other securities	—	—	$184K	3.0%
Lincoln Financial Group Vanguard International Value Investor Shares	Mutual Funds	—	—	$179K	2.9%
Lincoln Financial Group Vanguard Real Estate Index Admiral Shares	Mutual Funds	—	—	$170K	2.8%
Lincoln Financial Group Delaware Small Cap Value Fund Institutional	Common Stocks	—	—	$155K	2.5%
Lincoln Financial Group Blackrock Global Allocation Institutional	Common Stocks	—	—	$153K	2.5%
Lincoln National Life - Multifund LVIP SSGA S&P 500 Index	Common Collective Trusts	—	—	$149K	2.4%
Lincoln Financial Group American Funds New Perspective	Mutual Funds	—	—	$143K	2.3%
Lincoln Financial Group Neuberger Berman Mid Cap Growth Institutional	Common Stocks	—	—	$127K	2.1%
Lincoln Financial Group PIMCO Commodity Real Return Strategy	Mutual Funds	—	—	$105K	1.7%
Lincoln Financial Group PIMCO Income	Mutual Funds	—	—	$86K	1.4%
Lincoln National Life - Multifund LVIP Global Moderate Allocation Managed Risk	Other securities	—	—	$83K	1.4%
Lincoln Financial Group Mfs New Discovery Class R4	Mutual Funds	—	—	$82K	1.3%
Lincoln National Life - Multifund LVIP Global Conservative Allocation Managed Risk 39 * Lincoln National Life - Multifund LVIP Global Growth Allocation Managed Risk	Other securities	—	—	$81K	1.3%
Lincoln Financial Group T. Rowe Price Dividend Growth	Common Stocks	—	—	$73K	1.2%
Lincoln Financial Group Fidelity Contrafund	Mutual Funds	—	—	$67K	1.1%
Lincoln National Life - Multifund LVIP T. Rowe Price 2040 Fund	Other securities	—	—	$62K	1.0%
Lincoln Financial Group American Funds New World Class R6	Mutual Funds	—	—	$60K	1.0%
Lincoln Financial Group American Funds International Growth and Income Class R6	Mutual Funds	—	—	$56K	0.9%
Lincoln National Life - Multifund LVIP Delaware Value	Other securities	—	—	$52K	0.9%
Lincoln National Life - Multifund LVIP Delaware Wealth Builder Fund	Other securities	—	—	$42K	0.7%
Lincoln National Life - Multifund LVIP Delaware Mid Cap Value Fund	Other securities	—	—	$36K	0.6%
Lincoln National Life - Multifund LVIP Baron Growth Opportunities	Other securities	—	—	$35K	0.6%
Lincoln Financial Group PIMCO International Bond US Dollar Hedge Class I2	Mutual Funds	—	—	$34K	0.6%
Lincoln Financial Group Invesco Oppenheimer International Growth Class Y	Mutual Funds	—	—	$30K	0.5%
Lincoln National Life - Multifund LVIP Dimensional U.S. Core Equity 1	Mutual Funds	—	—	$28K	0.5%
Lincoln National Life - Multifund LVIP Delaware Bond	Other securities	—	—	$23K	0.4%
Lincoln National Life - Multifund LVIP Delaware REIT Series	Common Stocks	—	—	$22K	0.4%
Lincoln National Life - Multifund Blackrock Global Allocation 902 * Lincoln National Life - Multifund Delaware VIP Small Cap Value	Other securities	—	—	$21K	0.3%
Lincoln National Life - Multifund LVIP Blackrock Equity Dividend Managed Volatility	Other securities	—	—	$21K	0.3%
Lincoln National Life - Multifund American Funds International	Mutual Funds	—	—	$21K	0.3%
Lincoln National Life - Multifund LVIP Delaware Social Awareness	Other securities	—	—	$20K	0.3%
Lincoln National Life - Multifund LVIP SSGA Global Tactical Allocation Managed Volatility	Other securities	—	—	$18K	0.3%
Lincoln National Life - Multifund LVIP SSGA Small-Cap Index	Other securities	—	—	$18K	0.3%
Lincoln National Life - Multifund LVIP Delaware SMID Cap Growth	Other securities	—	—	$14K	0.2%
Lincoln National Life - Multifund LVIP Government Money Market 80 * Lincoln National Life - Multifund LVIP JP Morgan Retirement Income Fund 471 * Lincoln National Life - Multifund LVIP Mondrian International Value	Cash / Money Market	—	—	$7K	0.1%
Lincoln National Life - Multifund LVIP T. Rowe Price Structured Mid-Cap Growth	Other securities	—	—	$6K	<0.1%
Lincoln National Life - Multifund LVIP Delaware Diversified Income	Other securities	—	—	$5K	<0.1%
Lincoln National Life - Multifund Fidelity VIP Growth	Mutual Funds	—	—	$5K	<0.1%
Lincoln National Life - Multifund LVIP Blackrock Global Real Estate Fund 836 * Lincoln National Life - Multifund LVIP Blended Large Cap Growth Managed Volatility	Other securities	—	—	$4K	<0.1%