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Retirement plan

NORTHERN LIGHT HEALTH RETIREMENT PARTNERSHIP PLAN

EASTERN MAINE HEALTHCARE SYSTEMS D/B/A NORTHERN LIGHT HEALTHEIN 01-0527066Plan #001PY 2024
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43 WHITING HILL RD - BREWER, ME 04412207-973-7868
Other plans on this EIN
1 filing
#002Retirement-$1.18B assets
Prospect flagsLow participation

Filing contacts

From the Form 5500, federal record
Plan sponsor signer
(name not on filing)
(207) 973-7868
Plan administrator signer
JOHN DOYLE, NLH VP OF FINANCE
Signed 09/16/2025
How to read this page

Summary metrics

Total assets (EOY)
$298.9M
-3.5% from 2016
Total participants
7,256
-2.6% from 2016
Average account balance
$0
No prior year
Annual return
7.28%
-7.79 pp from 2016

Benchmarks

See 5 peers
Peer group
Industryany (size+type match)
Plan typeDB + DC
Participants1,000-4,999
Cohort5 peers
Snapshot2024
Participant deferral / active EE
$0
median $6,708
Employer contribution / active EE
$9,259
median $9,259
Participation rate
0.0%
median 49.2%
Avg account balance
$0
median $288,243
Admin fee / account holder
$0
median $111
Annual return
7.28%
median 12.18%
Overall peer rank
25th percentileavg across 6 metrics

Analytics

2015 - 2024
Total assets (EOY)
Plan-year ending balance
$298.87M
Average account balance
Total assets / participants with a balance (line 6g)
$41K
Participants with account balance
Stacked by status: active / separated vested / retired or beneficiary. Total = line 6g.
2,954
Eligible Participants and Participation
Bars: eligible actives (line 6a). Line: derived rate = active employees with a balance / 6a.
0.0%
Contributions (total)
Employer and participant dollars contributed each year
$39.83M
Contributions per participant
Average employer and participant contribution per enrolled participant
$9K
Asset flow
BOY + contributions + return - distributions = EOY
Year
Annual return
Diverging bars; negative years highlighted
+7.28%
Admin fee / account holder
Total admin expenses / participants with a balance (line 6g)
$0
Asset composition
Cash / stocks / bonds / mutual funds / real estate / loans over time
  • Mutual / pooled
  • Stocks
  • Bonds
  • Cash
  • Real estate
  • Loans

Service providers

Top 6 by compensation
ProviderService typeCompensation
NORTHERN TRUST COMPANY4 years
Service code 25 · EIN 36-1561860
333 S WABASH AVE · CHICAGO, IL 60604
Directed Trustee
$380,266
NEPC, LLC4 years
Service code 27 · EIN 26-1429809
255 STATE STREET · BOSTON, MA 02109
Advisory (Plan)
$232,635
USI CONSULTING GROUP4 years
Service code 17 · EIN 06-1053228
ONE SEAGATE · TOLEDO, OH 436041558
Pension Consulting
$162,219
FIDELITY INVESTMENTS INST OPER CO10+ years
Service code 60 · EIN 04-2647786
PO BOX 770002 · CINCINNATI, OH 452770027
Sub-TA Fees
$69,460
BERRY DUNN10+ years
Service code 10 · EIN 01-0523282
2211 CONGRESS STREET · PORTLAND, ME 04102
Accounting
$10,535
THE SNOWMAN GROUP1 year
Service code 49 · EIN 01-0309583
1 PRINTERS DRIVE · HERMON, ME 04401
Other Services
$6,063

Enrolled actuary

1 attachment
SB

BRENDAN HOU

FIDELITY INVESTMENTS
Enrollment #2308430
100 NEW MILLENNIUM WAY BLDG 3
DURHAM, NC 27709
(919) 458-7029
Signed 2025-07-21

Top hat statement on fileNQDC

Filed October 18, 2006

This is a legacy paper filing. Plan administrator and contact details are recorded in the original filing, which has not been digitised into structured fields.

Open the filing PDF

Plan features & details

Pension benefit codes1A1C1F2H3H
Plan features
  • 1A
    Benefits are primarily pay related
    Benefits under the plan are primarily determined with reference to a participant's pay (e.g. final-average-pay formula).
  • 1C
    Cash balance or similar plan
    A cash balance formula in a defined benefit plan that expresses the accrued benefit in terms more common to a defined contribution plan such as a hypothetical account balance or single sum amount (includes personal account plan pension equity plan life cycle plan and cash account plan).
  • 1F
    Section 414(k) arrangement
    Benefits are based partly on the balance of the separate account of the participant. Must also include appropriate defined contribution pension feature codes.
  • 2H
    Partial participant-directed account plan
    Participants have the opportunity to direct the investment of a portion of the assets allocated to their individual accounts regardless of whether 29 CFR 2550.404c-1 is intended to be met.
  • 3H
    Controlled group member
    Plan sponsor(s) is (are) a member(s) of a controlled group (Code sections 414(b) (c) or (m)).

Opportunity flags

1 tripped
  • OpportunityLow participation

    Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.

Expense breakdown

Schedule H Part II
Admin total
$5.9M
$1369 / participant
  • Investment mgmt$233K4.0%
  • Other trustee fees$380K6.5%
  • Contract admin$69K1.2%
  • Other / not subdivided$5M88.4%
% of EOY assets
1.970%
all-in expense ratio
Categories reported
3 / 9
subdivided buckets used

Audit opinion

Schedule H Part III
Unqualified opinion

Auditor signed off without reservation - the cleanest possible opinion.

Auditor firm
BDMP ASSURANCE, LLP
Auditor EIN
994708358
Audit fees
$10,535
Opinion code
Unqualified