Centracare Health System 401(k) Plan: Login, Facts & Contact Information

Centracare Health System 401(k) Plan Facts

Plan name
CENTRACARE HEALTH SYSTEM RETIREMENT PLAN
Plan type
401(k) with employer contributions and profit sharing
Plan sponsor
CENTRACARE HEALTH SYSTEM
Participants
15,855 (11,676 active employees)
Former employees with a balance
3,965
Plan assets
$1,223,293,566 at Dec 31, 2024
Average account balance
$80,841 across 15,132 accounts
Employer contributions
$49,479,473 in plan year 2024 (36% of all contributions)
Recordkeeper
Fidelity Investments Institutional
Plan year
Jan 1, 2024 – Dec 31, 2024
Plan established
Jul 1, 2000
✓ Employer contributions✓ Automatic enrollment✓ Default investment for undecided participants✓ Participants choose their own investments✓ Self-directed brokerage window✓ Profit sharing— Company stock (ESOP)

Source: Form 5500 for plan year 2024 (Jan 1, 2024 – Dec 31, 2024), filed Aug 4, 2025. Public filing with the U.S. Department of Labor.

Money in and out in plan year 2024

  • $136.8 million went into the plan in contributions, $49.5 million of it from the employer (36%).
  • $84.8 million was paid out to participants.
  • Investment and other income added $142.6 million.
  • Administrative expenses were $1.13 million, about $75 per account.

How the Centracare Health System 401(k) changed, 2019–2024

Plan yearParticipantsPlan assetsEmployer contributionsBenefits paid
201916,207$673.8 million$36.3 million$52.8 million
202014,956$785.7 million$17.9 million$33.0 million
202115,233$923.0 million$55.1 million$96.9 million
202216,502$819.1 million$47.0 million$72.2 million
202316,188$1.03 billion$47.8 million$76.0 million
202415,855$1.22 billion$49.5 million$84.8 million

Centracare Health System 401(k) Contact Information

Phone
320-255-5645
Mailing address
1406 SIXTH AVE NORTH, SAINT CLOUD MN 563031900
Plan sponsor
CENTRACARE HEALTH SYSTEM
Employer identification number (EIN)
41-1813221
Plan number
001

Questions about the Centracare Health System 401(k)

Does Centracare Health System contribute to the 401(k)?

Yes. The plan reports an employer contribution arrangement. In plan year 2024 the employer contributed $49.5 million, 36% of all contributions.

Does the Centracare Health System 401(k) have automatic enrollment?

Yes. The plan reports automatic enrollment of eligible employees.

How many people are in the Centracare Health System 401(k) plan?

15,855 participants at the start of plan year 2024, 11,676 of them active employees, and 3,965 former employees who still had money in the plan.

What is the average 401(k) balance at Centracare Health System?

About $80,841 per account: $1.22 billion in plan assets across 15,132 accounts with a balance at the end of plan year 2024.

Who manages the Centracare Health System 401(k) accounts?

Fidelity NetBenefits (listed on the filing as FIDELITY INVESTMENTS INSTITUTIONAL) is the plan's recordkeeper, which is where participants log in to see their balance.

I no longer work at Centracare Health System. How do I access my 401(k)?

Your account stays with Fidelity NetBenefits after you leave, so you can log in with the same credentials. If your balance was small, the plan may have rolled it into an IRA in your name. If you can't find it, Beagle can locate it for you.

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