Department of Labor filing

ST. BERNARDS PHYSICIAN CLINICS

ST. BERNARDS PHYSICIAN CLINICS INC. RETIREMENT PLAN · For the plan year ended Sep 30, 2025

Public filing 2024 · received Jul 15, 2026Verified current terms Not available

Plan at a glance

How good does the filing look?

63filing comparison
out of 100

The filing looks somewhat better than typical peers on the measures we can compare. This is a filing comparison, not a complete benefits score.

$Employer support

$5,484

Reported employer contributions per active participant.

Higher than about 85% of comparable plans

#People in the filing

535

Active participants reported for 2024.

The filing does not say how many employees are currently contributing.

¢Visible plan-paid fees

$219 / participant

Reported administrative expense—not every fee an employee may pay.

Lower cost than about 10% of comparable plans

↗Investment performance

Not available

Plan assets changed 11.2%, but that includes contributions, withdrawals, and market movement.

Asset change is not investment performance.

What we still need to judge the benefit

Current match formula, vesting, eligibility, investment choices, fund expense ratios, and employee-level fees.

See missing terms ↓

Filing comparison · 202463out of 100 among similar-size plans in the same industry when enough peers exist

How this filing compares

Reported employer contributions85th percentileTypical peer $1,543 · based on 691 comparable plans

Lower reported administrative expense10th percentileTypical peer $91 · based on 742 comparable plans

This comparison uses historical filing figures. It does not compare current match formulas, vesting, investments, or employee fees.

The short version

What the latest filing tells us

For the plan year ended Sep 30, 2025, ST. BERNARDS PHYSICIAN CLINICS reported $2,934,147 in employer contributions across the plan and 535 active participants. That works out to $5,484 per active participant. It is useful context, but it is not the current match formula and it does not show what any one employee received.

Participation proxy82%

Active participants divided by all end-of-year plan participants. This is not the company participation rate because the filing does not report every eligible employee.

Employer money trendUp 65.2%

Change in reported employer contribution per active participant across the filing history shown.

Expense trendDown 16.2%

Change in reported administrative expense per participant. Investment expenses may not be included.

Peer context63/100

A filing comparison among similar-size plans in the same industry when enough peers exist.

Where the public filing stops

Current match, vesting, eligibility, employee fees, and investment choices require a dated plan document. Until we have one, those details stay blank.

Latest financial record

Contributions, assets, and expenses

These figures are reported totals for the plan—not individual account balances or promises to any employee.

Employer contributions: $2,934,147
Participant contributions: $3,818,651
Other contributions: $17,744
Employer share of reported contributions: 43.5%
Beginning assets: $112,506,366
Ending assets: $125,052,423
Ending net assets: $125,052,423
Ending liabilities: $0
Total income: $21,567,386
Total expenses: $9,021,329
Administrative expenses: $174,227
Participant loans: $436,945

Three-year filing history

How the reported figures changed

Each chart uses its own scale and starts at zero. When the filing has no value, the chart says so rather than turning it into a zero.

Employer contributions reported per active participant

2022

$3,320

2023

$3,236

2024

$5,484

Plan-paid administrative expenses per participant

2022

$261

2023

$352

2024

$219

Active participants

2022

817

2023

781

2024

535

Detailed filing history
Plan year	Per active participant	Active participants	Plan assets	Filing ID
2024	$5,484	535	125.1M	20260715133818NAL0003050289001
2023	$3,236	781	112.5M	20250715114331NAL0004554994001
2022	$3,320	817	89.2M	20240712115553NAL0011238467001

Changes in plan assets are not the same as investment performance. Each row uses the selected public filing for that year.

Plan operations

Details worth knowing

Participant loans as a share of plan assets: 0.3%
Independent accountant’s opinion: Unqualified opinion Code 1
Late participant contributions reported: Yes
Public plan identifier: 871439061-001

Reported plan details

Identity and filing status

Plan type: Retirement plan
Employer arrangement: Single-employer plan
Plan effective date: Feb 12, 2012
Industry: Health care and social assistance
Amended filing: Yes
Final filing for this plan: No
Short plan year: No
401(k) feature reported: Yes
Show DOL characteristic codes
2A2E2G2J2K3D

Reported service providers

Organizations named in the latest filing

The public dataset does not always identify a provider’s exact role. Compensation stays blank when it was not separately reported.

Provider	Plan year	Direct compensation	Indirect compensation
FIDELITY INVESTMENTS INSTITUTIONAL	2024	Not reported	unknown

Current plan terms

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Filing ACK_ID20260715133818NAL0003050289001

Data sourceDOL Form 5500 bulk data ↗

Filing searchEFAST2 ↗