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Original filing (PDF)20251014114211NAL0001295539001
UPPER BAY COUNSELING AND SUPPORT SERVICES, INC.
Form 5500
FILING_RECEIVED
UPPER BAY 403(B) PLAN
403(b) retirement plan
Signals · 2
~79 bps in Sched C feesNo recordkeeper disclosed
Active participants
107
Accounts w/ balance
215
Plan assets (EOY)
$6.1M
Net assets (EOY)
$6.1M
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 (directional)
89
/ 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
80
Participation health
100
Knocking points off
- 79 bps in Schedule C fees — 52% above peer band of 52 bps.
- No recordkeeper disclosed on Schedule C.
Decision-maker contacts
CFO / Head of HR / Benefits Manager — verified email + LinkedIn for UPPER BAY COUNSELING AND SUPPORT SERVICES, INC..
Plan sponsor
Name
UPPER BAY COUNSELING AND SUPPORT SERVICES, INC.
EIN
51-0329224
Address
200 BOOTH ST · ELKTON, MD · 219215657
Phone
(410) 996-3400
Industry
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
2025-10-14
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
Trustee / custodian
—
Trustee phone
—
Service providers (Schedule C)
1 rowsOther
1| 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)
Uncategorized
$5.6M
46 holdings
Registered Investment Companies
$278K
1 holding
| PI | Investment | Type | Shares / units | Cost | Current value | % of plan |
|---|---|---|---|---|---|---|
| Lincoln Financial Group Baird Aggregate Bond Class Institutional | — | — | — | $817K | 13.4% | |
| Lincoln Financial Group Lincoln Stable Value Account | — | — | — | $531K | 8.7% | |
| Lincoln Financial Group Vanguard 500 Index Admiral Class | — | — | — | $511K | 8.4% | |
| Lincoln Financial Group Vanguard Developed Markets Index Fund Admiral Shares | — | — | — | $392K | 6.4% | |
| Lincoln Financial Group Blackrock Inflation Protected Bond Institutional | — | — | — | $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 | — | — | — | $261K | 4.3% | |
| Lincoln National Life - Multifund American Funds Growth | — | — | — | $247K | 4.0% | |
| Investments at Contract Value * Lincoln National Life - Multifund Fixed Account | — | — | — | $184K | 3.0% | |
| Lincoln Financial Group Vanguard International Value Investor Shares | — | — | — | $179K | 2.9% | |
| Lincoln Financial Group Vanguard Real Estate Index Admiral Shares | — | — | — | $170K | 2.8% | |
| Lincoln Financial Group Delaware Small Cap Value Fund Institutional | — | — | — | $155K | 2.5% | |
| Lincoln Financial Group Blackrock Global Allocation Institutional | — | — | — | $153K | 2.5% | |
| Lincoln National Life - Multifund LVIP SSGA S&P 500 Index | — | — | — | $149K | 2.4% | |
| Lincoln Financial Group American Funds New Perspective | — | — | — | $143K | 2.3% | |
| Lincoln Financial Group Neuberger Berman Mid Cap Growth Institutional | — | — | — | $127K | 2.1% | |
| Lincoln Financial Group PIMCO Commodity Real Return Strategy | — | — | — | $105K | 1.7% | |
| Lincoln Financial Group PIMCO Income | — | — | — | $86K | 1.4% | |
| Lincoln National Life - Multifund LVIP Global Moderate Allocation Managed Risk | — | — | — | $83K | 1.4% | |
| Lincoln Financial Group Mfs New Discovery Class R4 | — | — | — | $82K | 1.3% | |
| Lincoln National Life - Multifund LVIP Global Conservative Allocation Managed Risk 39 * Lincoln National Life - Multifund LVIP Global Growth Allocation Managed Risk | — | — | — | $81K | 1.3% | |
| Lincoln Financial Group T. Rowe Price Dividend Growth | — | — | — | $73K | 1.2% | |
| Lincoln Financial Group Fidelity Contrafund | — | — | — | $67K | 1.1% | |
| Lincoln National Life - Multifund LVIP T. Rowe Price 2040 Fund | — | — | — | $62K | 1.0% | |
| Lincoln Financial Group American Funds New World Class R6 | — | — | — | $60K | 1.0% | |
| Lincoln Financial Group American Funds International Growth and Income Class R6 | — | — | — | $56K | 0.9% | |
| Lincoln National Life - Multifund LVIP Delaware Value | — | — | — | $52K | 0.9% | |
| Lincoln National Life - Multifund LVIP Delaware Wealth Builder Fund | — | — | — | $42K | 0.7% | |
| Lincoln National Life - Multifund LVIP Delaware Mid Cap Value Fund | — | — | — | $36K | 0.6% | |
| Lincoln National Life - Multifund LVIP Baron Growth Opportunities | — | — | — | $35K | 0.6% | |
| Lincoln Financial Group PIMCO International Bond US Dollar Hedge Class I2 | — | — | — | $34K | 0.6% | |
| Lincoln Financial Group Invesco Oppenheimer International Growth Class Y | — | — | — | $30K | 0.5% | |
| Lincoln National Life - Multifund LVIP Dimensional U.S. Core Equity 1 | — | — | — | $28K | 0.5% | |
| Lincoln National Life - Multifund LVIP Delaware Bond | — | — | — | $23K | 0.4% | |
| Lincoln National Life - Multifund LVIP Delaware REIT Series | — | — | — | $22K | 0.4% | |
| Lincoln National Life - Multifund Blackrock Global Allocation 902 * Lincoln National Life - Multifund Delaware VIP Small Cap Value | — | — | — | $21K | 0.3% | |
| Lincoln National Life - Multifund LVIP Blackrock Equity Dividend Managed Volatility | — | — | — | $21K | 0.3% | |
| Lincoln National Life - Multifund American Funds International | — | — | — | $21K | 0.3% | |
| Lincoln National Life - Multifund LVIP Delaware Social Awareness | — | — | — | $20K | 0.3% | |
| Lincoln National Life - Multifund LVIP SSGA Global Tactical Allocation Managed Volatility | — | — | — | $18K | 0.3% | |
| Lincoln National Life - Multifund LVIP SSGA Small-Cap Index | — | — | — | $18K | 0.3% | |
| Lincoln National Life - Multifund LVIP Delaware SMID Cap Growth | — | — | — | $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 | — | — | — | $7K | 0.1% | |
| Lincoln National Life - Multifund LVIP T. Rowe Price Structured Mid-Cap Growth | — | — | — | $6K | <0.1% | |
| Lincoln National Life - Multifund LVIP Delaware Diversified Income | — | — | — | $5K | <0.1% | |
| Lincoln National Life - Multifund Fidelity VIP Growth | — | — | — | $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 | — | — | — | $4K | <0.1% |
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