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Original filing (PDF)20251003152151NAL0000878915001
UNIVERSITY OF MARYLAND UPPER CHESAPEAKE HEALTH SYSTEM, INC.
Form 5500
FILING_RECEIVED
UPPER CHESAPEAKE HEALTH 403(B) SAVINGS PLAN
403(b) retirement plan
Active participants
2,770
Accounts w/ balance
3,967
Plan assets (EOY)
$296.2M
Net assets (EOY)
$296.2M
How this plan invests
This plan
116 securities
funds · stocks · CUSIPs
Holdings are itemized directly on this plan's Schedule of Assets, below.
Plan health score (directional)
91
/ 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
100
Participation health
100
Knocking points off
- 27 bps in Schedule C fees — 175% above peer band of 10 bps.
Decision-maker contacts
CFO / Head of HR / Benefits Manager — verified email + LinkedIn for UNIVERSITY OF MARYLAND UPPER CHESAPEAKE HEALTH SYSTEM, INC..
Plan sponsor
Name
UNIVERSITY OF MARYLAND UPPER CHESAPEAKE HEALTH SYSTEM, INC.
EIN
52-1398513
Address
520 UPPER CHESAPEAKE DRIVE · SUITE 408 · BEL AIR, MD · 21014
Phone
(443) 843-5572
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
2025-10-03
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)
3H · Sponsor in controlled / affiliated group
Audit & trust (Schedule H)
Auditor
CLIFTONLARSONALLEN, LLP
Trustee / custodian
—
Trustee phone
—
Service providers (Schedule C)
3 rowsRecordkeeper
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| METLIFE LIFE INSURANCE COMPANY | — | CHARLOTTE, NC | RECORDKEEPER | $607K | — |
Advisor / Consultant
2| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| NFP RETIREMENT INC | — | ALISO VIEJO, CA | INVESTMENT ADVISOR | $187K | — |
| ONE DIGITAL TOPCO LLC DBA RESOURCES | — | OVERLAND PARK, KS | INVESTMENT ADVISOR | $20K | — |
Investments
115 direct securities· $295.2M(100% of reported assets)
Uncategorized
$295.2M
114 holdings
OTHER
$7K
1 holding
| PI | Investment | Type | Shares / units | Cost | Current value | % of plan |
|---|---|---|---|---|---|---|
| Vanguard Wellington Adm | — | — | — | $41.2M | 13.9% | |
| Fidelity 500 Index | — | — | — | $25.8M | 8.7% | |
| Vanguard Equity-Income Adm | — | — | — | $25.7M | 8.7% | |
| Vanguard Target Retirement 2030 Inv | — | — | — | $22.4M | 7.6% | |
| Vanguard Dividend Growth Inv | — | — | — | $19.9M | 6.7% | |
| JPMorgan Large Cap Growth R6 | — | — | — | $15.4M | 5.2% | |
| Vanguard Target Retirement 2040 Inv | — | — | — | $13.6M | 4.6% | |
| Blackrock Mid-Cap Growth Equity K | — | — | — | $12.6M | 4.3% | |
| Fidelity Intl Cptl Apprec K6 | — | — | — | $11.4M | 3.8% | |
| Metlife GTS Fixed Account (Liquid) | — | — | — | $8.7M | 2.9% | |
| Vanguard Target Retirement 2045 Inv | — | — | — | $7.5M | 2.5% | |
| Vanguard Target Retirement 2035 Inv | — | — | — | $6.9M | 2.3% | |
| Vanguard Target Retirement 2025 Inv | — | — | — | $6.5M | 2.2% | |
| Vanguard Target Retirement 2050 Inv | — | — | — | $6.4M | 2.2% | |
| Metlife GTS Fixed Account (Traditional) | — | — | — | $6.0M | 2.0% | |
| TCW Metwest TCW Metwest Total Return Bond Plan | — | — | — | $5.7M | 1.9% | |
| Vanguard Target Retirement 2020 Inv | — | — | — | $5.6M | 1.9% | |
| Fidelity Small Cap Index | — | — | — | $5.4M | 1.8% | |
| Blackrock High Yield Instl | — | — | — | $4.6M | 1.5% | |
| Fidelity Us Bond Index | — | — | — | $4.5M | 1.5% | |
| Vanguard Target Retirement 2055 Inv | — | — | — | $3.9M | 1.3% | |
| Metlife Fixed Account 3.5% | — | — | — | $3.3M | 1.1% | |
| Blackrock Inflation Protected Bond Instl | — | — | — | $3.2M | 1.1% | |
| Vanguard Treasury Money Mkt Inv | — | — | — | $2.8M | 1.0% | |
| Vanguard Target Retirement 2060 Inv | — | — | — | $2.6M | 0.9% | |
| Participants Participant Loans Rates from 5.25% to 10.50% - | — | — | — | $1.9M | 0.6% | |
| Metlife Stock Index Portfolio Class A | — | — | — | $1.8M | 0.6% | |
| Vanguard Target Retirement Income Inv | — | — | — | $1.7M | 0.6% | |
| Fidelity Mid Cap Index | — | — | — | $1.7M | 0.6% | |
| Fidelity International Index | — | — | — | $1.7M | 0.6% | |
| Victory Sycamore Victory Sycamore Established Value I | — | — | — | $1.7M | 0.6% | |
| Metlife 0.5% Enhanced Fixed Account 3.5% | — | — | — | $1.4M | 0.5% | |
| Brighthouse Asset Allocation 80 Portfolio | — | — | — | $1.2M | 0.4% | |
| Brighthouse Brighthouse/Wellington Balanced Portfolio | — | — | — | $1.2M | 0.4% | |
| American Funds American Funds New World R6 | — | — | — | $880K | 0.3% | |
| Vanguard Target Retirement 2065 Inv | — | — | — | $858K | 0.3% | |
| Brighthouse Asset Allocation 60 Portfolio | — | — | — | $669K | 0.2% | |
| Jennison Growth Portfolio | — | — | — | $620K | 0.2% | |
| Brighthouse BHFT Brighthouse Asset Allocation 60 B | — | — | — | $607K | 0.2% | |
| Loomis Sayles Loomis Sayles Growth Portfolio | — | — | — | $551K | 0.2% | |
| Fidelity VIP Equity-Income Portfolio | — | — | — | $470K | 0.2% | |
| Vanguard 500 Index Admiral | — | — | — | $411K | 0.1% | |
| Loomis Sayles Loomis Sayles Global Allocation Portfolio | — | — | — | $360K | 0.1% | |
| Brighthouse BHFT Brighthouse Asset Allocation 80 B | — | — | — | $342K | 0.1% | |
| Metlife Russell 2000 Index Portfolio | — | — | — | $298K | 0.1% | |
| Brighthouse BHFT Metlife Stock Index Class A | — | — | — | $235K | <0.1% | |
| Invesco Global Equity Portfolio | — | — | — | $202K | <0.1% | |
| Blackrock Capital Appreciation Portfolio | — | — | — | $179K | <0.1% | |
| Brighthouse BHFT Brighthouse Asset Allocation 40 B | — | — | — | $169K | <0.1% | |
| American Century American Century Discipline Core Val Inv | — | — | — | $159K | <0.1% | |
| Loomis Sayles Loomis Sayles Small Cap Value Admin | — | — | — | $139K | <0.1% | |
| Brighthouse BHFT T Rowe Price Small Cap Growth Cl B | — | — | — | $136K | <0.1% | |
| Brighthouse BHFT T Rowe Price Large Cap Value Cl E | — | — | — | $124K | <0.1% | |
| CBRE Global CBRE Global Real Estate Portfolio | — | — | — | $105K | <0.1% | |
| Invesco Discovery Large Cap A | — | — | — | $101K | <0.1% | |
| Brighthouse BHFT MFS Value Class A | — | — | — | $98K | <0.1% | |
| Lord Abbett Lord Abbett Developing Growth P | — | — | — | $97K | <0.1% | |
| T. Rowe Price T. Rowe Price Small Cap Growth Portfolio | — | — | — | $87K | <0.1% | |
| Allspring Small Company Value A | — | — | — | $85K | <0.1% | |
| Brighthouse BHFT Blackrock Ultra-Short Term Bond A | — | — | — | $84K | <0.1% | |
| Metlife Aggregate Bond Index Portfolio | — | — | — | $84K | <0.1% | |
| Janus Henderson Balanced T | — | — | — | $78K | <0.1% | |
| BNY Mellon BNY Mellon Appreciation Inv | — | — | — | $75K | <0.1% | |
| T. Rowe Price T. Rowe Price Large Cap Value Portfolio Class B | — | — | — | $69K | <0.1% | |
| Vanguard Total Bond Market Index Adm | — | — | — | $67K | <0.1% | |
| MFS Total Return Portfolio | — | — | — | $64K | <0.1% | |
| Blackrock Ultra-Short Term Bond Portfolio | — | — | — | $62K | <0.1% | |
| Western Asset Management Western Asset Management U.S. Government Portfolio | — | — | — | $58K | <0.1% | |
| Metlife Guaranteed Fixed Account | — | — | — | $53K | <0.1% | |
| Janus Forty T | — | — | — | $47K | <0.1% | |
| Clearbridge Variable Large Cap Value I | — | — | — | $46K | <0.1% | |
| Frontier Mid Cap Growth Portfolio | — | — | — | $46K | <0.1% | |
| Vanguard Federal Money Market Inv | — | — | — | $46K | <0.1% | |
| Brighthouse BHFTT BH/Wellington Core Equity Opp Cl A | — | — | — | $46K | <0.1% | |
| Metlife Msci Eafe Index Portfolio | — | — | — | $39K | <0.1% | |
| Western Asset Management Western Asset Management Strategic Bond Opportunities Portfolio Clas | — | — | — | $38K | <0.1% | |
| Fidelity Advisor Capital & Income M | — | — | — | $36K | <0.1% | |
| PIMCO Total Return Portfolio | — | — | — | $33K | <0.1% | |
| Blackrock High Yield Portfolio Class A | — | — | — | $29K | <0.1% | |
| Clearbridge Variable Large Cap Value Portfolio | — | — | — | $29K | <0.1% | |
| T. Rowe Price T. Rowe Price Large Cap Growth Portfolio | — | — | — | $26K | <0.1% | |
| Neuberger Berman Neuberger Berman Genesis Portfolio | — | — | — | $25K | <0.1% | |
| Brighthouse Asset Allocation 100 Portfolio | — | — | — | $25K | <0.1% | |
| Brighthouse Small Cap Value Portfolio | — | — | — | $24K | <0.1% | |
| Blackrock International Inv A | — | — | — | $23K | <0.1% | |
| Brighthouse BHFT Metlife Aggregate Bond Index A | — | — | — | $23K | <0.1% | |
| Templeton Developing Markets Vip Fund | — | — | — | $23K | <0.1% | |
| PIMCO Inflation Protected Bond Portfolio Class A | — | — | — | $22K | <0.1% | |
| Metlife Stock Index Portfolio | — | — | — | $21K | <0.1% | |
| Allspring Core Plus Bond A | — | — | — | $20K | <0.1% | |
| Brighthouse Asset Allocation 20 Portfolio | — | — | — | $20K | <0.1% | |
| Brighthouse BHFT Blackrock Capital Appreciation A | — | — | — | $17K | <0.1% | |
| Brighthouse Brighthouse/Wellington Large Cap Research Portfolio | — | — | — | $16K | <0.1% | |
| Fidelity VIP High Income Portfolio 320 Fidelity VIP Mid Cap Portfolio | — | — | — | $15K | <0.1% | |
| Invesco Eqv Int'L Equity Fund A | — | — | — | $15K | <0.1% | |
| Janus Henderson Overseas Portfolio | — | — | — | $13K | <0.1% | |
| Brighthouse Asset Allocation 40 Portfolio | — | — | — | $11K | <0.1% | |
| Baillie Gifford Baillie Gifford International Stock Portfolio | — | — | — | $9K | <0.1% | |
| Brighthouse BHFT Metlife Msci Eafe Index - Class A | — | — | — | $9K | <0.1% | |
| Brighthouse BHFT Blackrock Bond Income - Class A | — | — | — | $8K | <0.1% | |
| Brighthouse BHFT Brighthouse/Abrd Emerging Mkts Eq A | — | — | — | $8K | <0.1% | |
| Brighthouse BHFT Western Asset Mgmt Us Government A | — | — | — | $8K | <0.1% | |
| T. Rowe Price T. Rowe Price Large Cap Value Portfolio Class E | — | — | — | $7K | <0.1% | |
| Fidelity Advisor(R) Mid Cap Value I | — | — | — | $7K | <0.1% | |
| Accounts * Metlife Life Insurance Policies 617 Transamerica Life Insurance Policies | OTHER | — | — | $7K | <0.1% | |
| Brighthouse BHFT Metlife Russell 2000 Index Port A | — | — | — | $7K | <0.1% | |
| Fidelity VIP Contrafund Portfolio Class 2 | — | — | — | $6K | <0.1% | |
| Blackrock Bond Income Portfolio | — | — | — | $6K | <0.1% | |
| MFS Research International Portfolio | — | — | — | $6K | <0.1% | |
| JPMorgan Small Cap Value Portfolio | — | — | — | $4K | <0.1% | |
| Templeton Foreign Vip Fund | — | — | — | $3K | <0.1% | |
| Brighthouse BHFT Jennison Growth Class A | — | — | — | $3K | <0.1% | |
| Brighthouse BHFT MFS Research International Class B | — | — | — | $3K | <0.1% | |
| Brighthouse BHFT Brighthouse Asset Allocation 100 B | — | — | — | $2K | <0.1% | |
| Brighthouse BHFT Blackrock High Yield Class A | — | — | — | $1K | <0.1% |