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Original filing (PDF)20251015121040NAL0002382451001
MONTGOMERY GENERAL HEALTH CARE SYSTEM, INC.
Form 5500
FILING_RECEIVED
MONTGOMERY GENERAL HEALTH CARE SYSTEM, INC. 401(K) PROFIT SHARING PLAN
401(k) retirement plan
Signals · 3
30% in single holding~100 bps in Sched C feesNo recordkeeper disclosed
Active participants
377
Accounts w/ balance
452
Plan assets (EOY)
$6.8M
Net assets (EOY)
$6.8M
How this plan invests
This plan
30 securities
funds · stocks · CUSIPs
Holdings are itemized directly on this plan's Schedule of Assets, below.
Plan health score (directional)
86
/ 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
85
Total plan cost
65
Vendor stack
80
Participation health
100
Knocking points off
- Top holding "Vanguard Target Retirement 2020 Fund N/R" is 30% of plan.
- 100 bps in Schedule C fees — 91% 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 MONTGOMERY GENERAL HEALTH CARE SYSTEM, INC..
Plan sponsor
Name
MONTGOMERY GENERAL HEALTH CARE SYSTEM, INC.
EIN
55-0632601
Address
401 6TH AVENUE · MONTGOMERY, WV · 25136
Phone
(304) 442-7435
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
2025-10-15
Pension benefit codes
2E · Profit-sharing
2F · ERISA section 404(c)
2G · Total participant-directed accounts
2J · 401(k) feature
2K · 401(m) arrangement
2S · Automatic enrollment
2T · Default investment account (QDIA)
3D · Pre-approved plan (master / prototype / VS)
Audit & trust (Schedule H)
Auditor
BAKER TILLY US LLP
Trustee / custodian
—
Trustee phone
—
Service providers (Schedule C)
2 rowsOther
2| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| EPIC RETIREMENT PLAN SERVICES | 16-1450952 | — | NONE | $44K | — |
| BUCKINGHAM STRATEGIC WEALTH | 20-8306720 | — | NONE | $25K | — |
Investments
30 direct securities· $6.8M(99% of reported assets)
| PI | Investment | Type | Shares / units | Cost | Current value | % of plan |
|---|---|---|---|---|---|---|
| Vanguard Target Retirement 2020 Fund N/R | — | — | — | $2.1M | 30.1% | |
| Vanguard Target Retirement 2040 Fund N/R | — | — | — | $760K | 11.1% | |
| Vanguard Target Retirement 2030 Fund N/R | — | — | — | $587K | 8.6% | |
| Vanguard Target Retirement 2025 Fund N/R | — | — | — | $525K | 7.7% | |
| Vanguard Target Retirement 2045 Fund N/R | — | — | — | $448K | 6.6% | |
| Vanguard Target Retirement 2035 Fund N/R | — | — | — | $435K | 6.4% | |
| Vanguard Short-Term Inflation Protected N/R | — | — | — | $411K | 6.0% | |
| Vanguard Target Retirement 2055 Fund N/R | — | — | — | $228K | 3.3% | |
| Fully Benefit-Responsive Investment Contracts * VALIC Fixed Account Plus N/R | — | — | — | $182K | 2.7% | |
| Vanguard Target Retirement 2050 Fund N/R | — | — | — | $161K | 2.3% | |
| Vanguard Total Stock Market Index Fund N/R | — | — | — | $141K | 2.1% | |
| Vanguard Target Retirement 2065 Fund N/R | — | — | — | $107K | 1.6% | |
| Vanguard Target Retirement 2060 Fund N/R | — | — | — | $97K | 1.4% | |
| Vanguard Target Retirement Income Fund N/R | — | — | — | $94K | 1.4% | |
| Vanguard 500 Index Fund N/R | — | — | — | $84K | 1.2% | |
| Vanguard Intermediate-Term Treasury Index N/R | — | — | — | $77K | 1.1% | |
| Participants Loans Interest rates ranging from 4.25- $0 | — | — | — | $68K | 1.0% | |
| Vanguard Developed Markets Index Fund N/R | — | — | — | $54K | 0.8% | |
| Portfolio Dimensional Fund Advisors Short-Term Extended Quality N/R | — | — | — | $48K | 0.7% | |
| Portfolio Dimensional Fund Advisors International Small Cap Value N/R | — | — | — | $40K | 0.6% | |
| Portfolio Dimensional Fund Advisors U.S. Targeted Value Portfolio N/R | — | — | — | $30K | 0.4% | |
| Vanguard Growth Index Fund N/R | — | — | — | $27K | 0.4% | |
| investment contracts Mutual Funds Dimensional Fund Advisors Emerging Markets Core Equity N/R | — | — | — | $26K | 0.4% | |
| Interest-Bearing Cash * Charles Schwab Trust Bank Schwab Bank Savings N/R | — | — | — | $22K | 0.3% | |
| Vanguard Mid-Cap Growth Index Fund N/R | — | — | — | $18K | 0.3% | |
| VALIC Short Term Fixed Account N/R | — | — | — | $10K | 0.2% | |
| Dimensional Fund Advisors U.S. Large Cap Value N/R | — | — | — | $9K | 0.1% | |
| Vanguard Target Retirement 2070 Fund N/R | — | — | — | $3K | <0.1% | |
| Vanguard Small Cap Growth Index N/R | — | — | — | $3K | <0.1% | |
| Fund Vanguard Mid-Cap Index Fund N/R | — | — | — | $2K | <0.1% |