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Original filing (PDF)20251001131335NAL0021028914001
THREE LOWER COUNTIES COMMUNITY
Form 5500
FILING_RECEIVED
TLC, INC. 401K PLAN
401(k) retirement plan
Active participants
557
Accounts w/ balance
454
Plan assets (EOY)
$35.6M
Net assets (EOY)
$35.6M
How this plan invests
This plan
46 securities
funds · stocks · CUSIPs
Holdings are itemized directly on this plan's Schedule of Assets, below.
Plan health score (directional)
100
/ 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
100
Vendor stack
100
Participation health
100
Helping the score
- Below-peer total fees (18 bps vs 29 bps peer median).
Decision-maker contacts
CFO / Head of HR / Benefits Manager — verified email + LinkedIn for THREE LOWER COUNTIES COMMUNITY.
Plan sponsor
Name
THREE LOWER COUNTIES COMMUNITY
EIN
52-1860379
Address
32033 BEAVER RUN DRIVE · SALISBURY, MD · 21804
Phone
(410) 749-1015
Industry
Offices of Physicians· 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
2025-10-01
Pension benefit codes
2E · Profit-sharing
2F · ERISA section 404(c)
2G · Total participant-directed accounts
2J · 401(k) feature
2K · 401(m) arrangement
2R · Participant-directed brokerage (SDBA)
2T · Default investment account (QDIA)
3D · Pre-approved plan (master / prototype / VS)
Audit & trust (Schedule H)
Auditor
UHY LLP
Trustee / custodian
—
Trustee phone
—
Service providers (Schedule C)
3 rowsRecordkeeper
2| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| ADP, INC. | 13-3036745 | — | RECORD KEEPER | $11K | — |
| ADP BROKER-DEALER | 22-3319984 | — | RECORD KEEPER | $0 | — |
Advisor / Consultant
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| MERRILL LYNCH PIERCE FENNER & SMITH | 13-5674085 | — | INVESTMENT ADVISOR | $55K | — |
Investments
46 direct securities· $35.3M(99% of reported assets)
Registered Investment Companies
$35.1M
45 holdings
Uncategorized
$151K
1 holding
| PI | Investment | Type | Shares / units | Cost | Current value | % of plan |
|---|---|---|---|---|---|---|
| AMERFUNDS 2035 TARG DATERET R6 | Registered Investment Companies | — | — | $5.0M | 14.0% | |
| AMERFUNDS 2030 TARG DATERET R6 | Registered Investment Companies | — | — | $3.4M | 9.5% | |
| ISHARES S&P 500 INDEX K | Registered Investment Companies | — | — | $2.9M | 8.0% | |
| AMERFUNDS 2040 TARG DATERET R6 | Registered Investment Companies | — | — | $2.4M | 6.9% | |
| CALVERT EQUITY FUND I | Registered Investment Companies | — | — | $1.6M | 4.6% | |
| AMERFUNDS 2050 TARG DATERET R6 | Registered Investment Companies | — | — | $1.5M | 4.1% | |
| AMERFUNDS 2025 TARG DATERET R6 | Registered Investment Companies | — | — | $1.3M | 3.6% | |
| BLACKROCK FEDFUND - PREMIER | Registered Investment Companies | — | — | $1.2M | 3.5% | |
| VANGUARD SMALL CAP INDEX ADMRL | Registered Investment Companies | — | — | $1.0M | 2.9% | |
| AMERFUNDS 2045 TARG DATERET R6 | Registered Investment Companies | — | — | $1.0M | 2.9% | |
| VANGUARD MID CAP INDEX - ADM | Registered Investment Companies | — | — | $930K | 2.6% | |
| AMERFUNDS 2020 TARG DATERET R6 | Registered Investment Companies | — | — | $842K | 2.4% | |
| AMERFUNDS AMER BALANCED - R6 | Registered Investment Companies | — | — | $819K | 2.3% | |
| MFS VALUE R6 | Registered Investment Companies | — | — | $808K | 2.3% | |
| VANGUARD GROWTH INDEX FUND ADM | Registered Investment Companies | — | — | $754K | 2.1% | |
| AMERICAN FUNDS 2055 TARGET R6 | Registered Investment Companies | — | — | $752K | 2.1% | |
| VANGUARD INFO TECH IDX ADMIRAL | Registered Investment Companies | — | — | $732K | 2.1% | |
| PIMCO INCOME FUND - INSTL | Registered Investment Companies | — | — | $707K | 2.0% | |
| VANGUARD VALUE INDEX FUND ADMR | Registered Investment Companies | — | — | $620K | 1.7% | |
| LORD ABBETT SHORT DUR INC R6 | Registered Investment Companies | — | — | $591K | 1.7% | |
| AMERFUNDS 2015 TARG DATERET R6 | Registered Investment Companies | — | — | $575K | 1.6% | |
| TRP RETIREMENT BALANCED I | Registered Investment Companies | — | — | $543K | 1.5% | |
| AMF BOND FUND OF AMERICA R6 | Registered Investment Companies | — | — | $543K | 1.5% | |
| VANGUARD INTL GRTH ADM | Registered Investment Companies | — | — | $400K | 1.1% | |
| JPMORGAN GOV BOND R6 | Registered Investment Companies | — | — | $326K | 0.9% | |
| BLK HEALTH SCI OPP PORT -INST | Registered Investment Companies | — | — | $325K | 0.9% | |
| VAN INTERNATIONAL VALUE - INV | Registered Investment Companies | — | — | $300K | 0.8% | |
| VICTORY ESTABLISHED VALUE R6 | Registered Investment Companies | — | — | $296K | 0.8% | |
| AMERFUNDS 2060 TARG DATERET R6 | Registered Investment Companies | — | — | $295K | 0.8% | |
| AC INFLATION ADJ BOND R6 17 REGISTERED INVESTMENT COMPANY BLACKROCK STRATEGICGLOBLBOND K | Registered Investment Companies | — | — | $282K | 0.8% | |
| AMERICAN FUNDS NEW WORLD R6 | Registered Investment Companies | — | — | $275K | 0.8% | |
| MFS AGG GRTH ALLOC - R4 | Registered Investment Companies | — | — | $273K | 0.8% | |
| ISHARES MSCI EAFE INTL INDEX K | Registered Investment Companies | — | — | $270K | 0.8% | |
| MFS INTL INTRINSIC VALUE R6 | Registered Investment Companies | — | — | $269K | 0.8% | |
| COLUMBIA SMALL CAP VALUE I I3 | Registered Investment Companies | — | — | $220K | 0.6% | |
| VANGUARD INTERMEDIATE TERM BON | Registered Investment Companies | — | — | $186K | 0.5% | |
| PGIM GLOBAL REAL ESTATE R6 | Registered Investment Companies | — | — | $172K | 0.5% | |
| BROKERAGE FUND OPTIONS SELF-DIRECTED BROKERAGE ACCT | — | — | — | $151K | 0.4% | |
| INVESCO DISCOVERY R6 | Registered Investment Companies | — | — | $137K | 0.4% | |
| AMER FUNDS NEW PERSP R6 | Registered Investment Companies | — | — | $131K | 0.4% | |
| DAVIS FINANCIAL Y | Registered Investment Companies | — | — | $96K | 0.3% | |
| BLACKROCK MIDCAP GROWTH EQ K | Registered Investment Companies | — | — | $80K | 0.2% | |
| VANGUARD REAL ESTATE INDEX ADM | Registered Investment Companies | — | — | $76K | 0.2% | |
| INVESCO DEVELOPING MKTS R6 | Registered Investment Companies | — | — | $52K | 0.1% | |
| BLACKROCK HIGH YIELD K | Registered Investment Companies | — | — | $51K | 0.1% | |
| AMERFUNDS 2065 TARG DATERET R6 | Registered Investment Companies | — | — | $31K | <0.1% |