Original filing (PDF)20250731121712NAL0005237505001

SHENANDOAH VALLEY MEDICAL SYSTEM INC.

Name: SHENANDOAH VALLEY MEDICAL SYSTEM INC. — SHENANDOAH VALLEY MEDICAL SYSTEM INC. RETIREMENT PLAN, Form 5500 (2024)
Creator: SHENANDOAH VALLEY MEDICAL SYSTEM INC.

Form 5500

FILING_RECEIVED

SHENANDOAH VALLEY MEDICAL SYSTEM INC. RETIREMENT PLAN

403(b) retirement plan

Active participants

300

Accounts w/ balance

346

Plan assets (EOY)

$16.2M

Net assets (EOY)

$16.2M

How this plan invests

This plan

1 pooled trust

Schedule D

75 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

Decision-maker contacts

CFO / Head of HR / Benefits Manager — verified email + LinkedIn for SHENANDOAH VALLEY MEDICAL SYSTEM INC..

Plan sponsor

Name

SHENANDOAH VALLEY MEDICAL SYSTEM INC.

EIN

55-0563741

Address

99 TAVERN RD · MARTINSBURG, WV · 254021146

Phone

(304) 263-4999

Industry

Other Services (ex. Public Admin)see 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

2025-07-31

Pension benefit codes

2F · ERISA section 404(c)

2G · Total participant-directed accounts

2L · 403(b)(1) annuity

2T · Default investment account (QDIA)

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

Audit & trust (Schedule H)

Auditor

SMITH ELLIOTT KEARNS AND COMPANY

Trustee / custodian

—

Trustee phone

—

Service providers (Schedule C)

5 rows

Recordkeeper

Name	EIN	Location	Relation	Direct comp	Indirect comp
FIDELITY INVESTMENTS	04-2647786	—	RECORDKEEPER	$180	—

Accountant / Auditor

Name	EIN	Location	Relation	Direct comp	Indirect comp
SMITH ELLIOTT KEARNS AND COMPANY	52-0783935	—	ACCOUNTANT	$16K	—

Other

Name	EIN	Location	Relation	Direct comp	Indirect comp
WELLS FARGO CLEARING SRVS	34-1542819	—	NONE	$25K	—
AMERICAN UNITED LIFE INSURANCE CO	35-0145825	—	NONE	$10K	—
LINCOLN NATIONAL CORPORATION	35-1140070	—	SERVICE PROVIDER	$900	—

Investments

67 direct securities · 1 pooled fund· $29.9M(100% of reported assets)

Rows tagged as a trust or pooled fund hold many underlying securities. Their holdings are itemized on each fund’s own Form 5500.

Uncategorized

$15.8M

65 holdings

Pooled Separate Account

$12.9M

1 holding

Insurance Contracts

$905K

1 holding

Mutual Funds

$294K

1 holding

Investment	Type	Shares / units	Cost	Current value	% of plan
AUL AMERICAN UNIT TRUST AMERICAN UNITED LIFE INSURANCE CO · EIN 35-0145825 / PN 000	Pooled Separate Account	—	—	$12.9M	79.9%
American Funds American Funds 2050 Trgt Date Retire R6	—	—	—	$1.9M	11.5%
American Funds American Funds 2045 Trgt Date Retire R6	—	—	—	$1.8M	11.2%
Vanguard 500 Index Adm	—	—	—	$1.5M	9.2%
JPMorgan Large Cap Growth R6	—	—	—	$1.4M	8.8%
American Funds American Funds 2035 Trgt Date Retire R6	—	—	—	$1.4M	8.4%
American Funds American Funds 2030 Trgt Date Retire R6	—	—	—	$912K	5.6%
* American United Life Insurance Co. AUL Stable Value Account	Insurance Contracts	—	—	$905K	5.6%
American Funds American Funds 2055 Trgt Date Retire R6	—	—	—	$804K	5.0%
Vanguard Small Cap Index Adm	—	—	—	$569K	3.5%
American Funds American Funds 2040 Trgt Date Retire R6	—	—	—	$546K	3.4%
VANGUARD INTL GR ADM MUTUAL FUND SHARES 0	—	—	—	$441K	2.7%
Vanguard International Growth Adm	—	—	—	$441K	2.7%
American Funds American Funds 2025 Trgt Date Retire R6	—	—	—	$391K	2.4%
Participant Loans Interest ranging from 4.25% - 7.00% 0	—	—	—	$388K	2.4%
Fidelity Investments Fidelity Disciplined Equity	—	—	—	$366K	2.3%
JOHN HANCOCK JHANCOCK BOND R6 MUTUAL FUND SHARES 0	—	—	—	$355K	2.2%
PARTICIPANTS LOANS 4.25% TO 4.25% 0	—	—	—	$338K	2.1%
American Century Investments American Century MidCap Value R6	Mutual Funds	—	—	$294K	1.8%
MFS Utilities ** 331 * Fidelity Investments Fidelity Magellan	—	—	—	$275K	1.7%
Fidelity Investments Fidelity Growth Company	—	—	—	$206K	1.3%
Fixed Income Account * Lincoln Financial Group Lincoln Financial Group Fixed Account	—	—	—	$201K	1.2%
American Funds American Funds 2060 Trgt Date Retire R6	—	—	—	$180K	1.1%
Fidelity Investments Fidelity Equity Income	—	—	—	$132K	0.8%
American Funds American Funds 2020 Trgt Date Retire R6	—	—	—	$113K	0.7%
Fidelity Investments Fidelity 500 Index PR	—	—	—	$103K	0.6%
Lincoln Financial Group LVIP Macquarie Social Awareness	—	—	—	$99K	0.6%
JPMorgan Mid Cap Growth R6	—	—	—	$85K	0.5%
Lincoln Financial Group LVIP Macquarie Wealth Builder Fund	—	—	—	$80K	0.5%
Lincoln Financial Group LVIP BlackRock Dividend Value Managed Volatility Fund	—	—	—	$72K	0.4%
LINCOLN NAT'L LIFE MULTIFUND LVIP BLENDED LRG CAP GROWTH MNGD VOLTLTY 0	—	—	—	$54K	0.3%
Lincoln Financial Group LVIP Macquarie Mid-Cap Value Fund ** 23 * Lincoln Financial Group LVIP Dimensional U.S. Core Equity 1	—	—	—	$54K	0.3%
Lord Abbett Lord Abbett Developing Growth R6	—	—	—	$53K	0.3%
Lincoln Financial Group LVIP Government Money Market	—	—	—	$52K	0.3%
Fidelity Investments Fidelity Asset Manager 70%	—	—	—	$50K	0.3%
LINCOLN NAT'L LIFE MULTIFUND MACQUARIE SMALL CAP VALUE 0 20 * LINCOLN NAT'L LIFE MULTIFUND MFS UTILITIES 0 331 * LINCOLN NAT'L LIFE MULTIFUND PARTICIPANT LOANS 7% 0	—	—	—	$49K	0.3%
American Funds American Funds 2015 Trgt Date Retire R6	—	—	—	$35K	0.2%
Lincoln Financial Group LVIP SSGA Small-Cap Index ** 2 * Lincoln Financial Group LVIP T. Rowe Price Structured Mid-Cap Growth	—	—	—	$34K	0.2%
American Funds American Funds 2065 Trgt Date Retire R6	—	—	—	$33K	0.2%
Money Market Funds Goldman Sachs Goldman Sachs Money Market Gvt R6	—	—	—	$32K	0.2%
Lincoln Financial Group LVIP Mondrian International Value ** 9 * Lincoln Financial Group LVIP SSGA S&P 500 Index	—	—	—	$31K	0.2%
American Funds American Funds Global Growth ** 483 American Funds American Funds Growth	—	—	—	$29K	0.2%
Vanguard Wellesley Income Adm	—	—	—	$27K	0.2%
Fidelity Investments Fidelity Contrafund	—	—	—	$26K	0.2%
American Funds American Funds New Perspective R6	—	—	—	$26K	0.2%
American Funds American Funds 2010 Trgt Date Retire R6	—	—	—	$25K	0.2%
Lord Abbett Lord Abbett Bond-Debenture R6	—	—	—	$22K	0.1%
Fidelity Investments Fidelity Select Chemicals	—	—	—	$15K	<0.1%
Lincoln Financial Group LVIP JPMorgan Retirement Income Fund	—	—	—	$14K	<0.1%
Fidelity Investments Fidelity Select Energy ** 604 * Fidelity Investments Fidelity Select Technology	—	—	—	$13K	<0.1%
American Funds American Funds New World R6	—	—	—	$12K	<0.1%
# The difference of $10,208 compared to the balance on the statement of net assets available for plan benefits is due	—	—	—	$10K	<0.1%
Fidelity Investments Fidelity Growth Strategies ** 728 * Fidelity Investments Fidelity Select Medical Technology and Devices	—	—	—	$10K	<0.1%
Fidelity Investments Fidelity Blue Chip Growth	—	—	—	$9K	<0.1%
Vanguard Mid Cap Index Adm	—	—	—	$8K	<0.1%
Blackrock Funds Blackrock High Yield Bond K	—	—	—	$7K	<0.1%
American Funds American Funds International 232 Macquarie Small Cap Value 20 * Fidelity Investments Fidelity VIP Contrafund	—	—	—	$5K	<0.1%
Fidelity Investments Fidelity Inflation Protected Bond	—	—	—	$4K	<0.1%
Lincoln Financial Group LVIP Macquarie Bond	—	—	—	$4K	<0.1%
Fidelity Investments Fidelity Government Cash Reserve	—	—	—	$4K	<0.1%
Fidelity Investments Fidelity Intermediate Government Income	—	—	—	$3K	<0.1%
Lincoln Financial Group LVIP Baron Growth Opportunities	—	—	—	$3K	<0.1%
LINCOLN NAT'L LIFE MULTIFUND AB VPS SUSTAIN GLOBAL THEMATIC PORT 0	—	—	—	$2K	<0.1%
American Funds American Funds Growth Income	—	—	—	$2K	<0.1%
JPMorgan Equity Income R6	—	—	—	$1K	<0.1%
American Funds American Funds American Balanced R6	—	—	—	$1K	<0.1%
MFS Intl Diversification R6	—	—	—	$1K	<0.1%
Lincoln Financial Group LVIP Global Moderate Allocation Mgd Risk	—	—	—	$1K	<0.1%