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Form 5500 · Retirement plan · FREDERICK, MD

FREDERICK HEALTH, INC.

The filing calls this plan FREDERICK HEALTH 403(B) PLAN.

FREDERICK HEALTH, INC. of FREDERICK, MD's retirement plan holds 2 insurance-company contracts (annuities or guaranteed-interest accounts), disclosed on Schedule A of its Form 5500. These are investment and funding contracts, not group health or welfare coverage. No medical, dental or life benefit is reported on this filing.

Agent of record (Schedule A)
Not disclosed
Contract year ends
Decemberas filed for plan year 2024

Sourced from U.S. DOL EFAST2 Form 5500 · EIN 52-0591612 · plan 004 · plan year 2024, filed Oct 15, 2025

Participants at the start of the year
4,393
Contracts on file
2
Contract value
$16,936,444
Plan year end
December

Plan brief

Schedule A lists 2 insurance contracts held by the plan — annuities, guaranteed-interest accounts or similar funding vehicles. The largest number are with EMPOWER ANNUITY INSURANCE COMPANY.

The contracts held $16,936,444 at the end of the plan year, as reported on Schedule A.

The filing discloses no agent commission on these contracts.

A Schedule A is filed for a retirement plan when plan assets sit in an insurance company contract. It reports the contract's balances and any agent commission. It does not report a health, dental or life premium, and it does not give a group renewal date.

The contract year ended in December.

Schedule A insurance contracts

CarrierContract typeCoveredYear endsContract valueCommission
EMPOWER ANNUITY INSURANCE COMPANYAnnuity / GIC4,404December$793,500$0
PRINCIPAL LIFE INSURANCE COMPANYAnnuity / GIC4,368December$16,142,944$0

Covered = persons covered at policy year end, as filed on Schedule A for that policy — often certificates or one class, not the whole plan. Premium = the filing’s own premium/charges figure; “—” means not credibly reported.

See the filing at the Department of Labor

Administrator and service providers

PRINCIPAL LIFE INSURANCE COMPANY
Contract administrator · EIN 42-0127290
$641,081
paid directly by the plan
ONE DIGITAL
CONSULTANT · EIN 82-1434504
$63,000
paid directly by the plan
MORNINGSTAR INVESTMENT MANAGEMENT L
INV ADV, PARTICIPANTS · EIN 36-4317381
$0
paid directly by the plan

Named on Schedule C of this filing. We publish company names only.

Reported to OSHA

Reported to OSHA for 2025: 2,144 employees, 143 recordable cases, 1,279 days away from work.

EmployeesThe company's own average for the year
2,144
Hours worked
1,977,813
Recordable cases
143
Days away from work
1,279

Source: OSHA Injury Tracking Application establishment data, 2025.

What the plan holds

Plan assets at year end
$320,864,908
Paid out in benefits
$29,147,614
Participants at the start of the year
4,393
Participants with account balances
4,261

Sourced from U.S. DOL EFAST2 Form 5500 · Schedule H

Who runs the plan

Independent accountantEIN 44-0160260
FORVIS MAZARS, LLP
Accountant's opinion (Schedule H, line 3a)
Disclaimer of opinion

From Schedule H of this filing.

We can name the recordkeeper and the auditor for large plans, the ones that file a Schedule C or a Schedule H. Smaller plans do not have to report either, so for most 401(k) plans in the country that information is not public anywhere.

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