Original filing (PDF)20250919130113NAL0001090243001

WENDCENTRAL CORP.

Name: WENDCENTRAL CORP. — WENDPARTNERS 401K PLAN, Form 5500 (2024)
Creator: WENDCENTRAL CORP.

Form 5500

FILING_RECEIVED

WENDPARTNERS 401K PLAN

401(k) retirement plan

Signals · 1

No recordkeeper disclosed

Active participants

882

Accounts w/ balance

419

Plan assets (EOY)

$14.3M

Net assets (EOY)

$14.3M

How this plan invests

This plan

41 pooled trusts

Schedule D

34 securities

funds · stocks · CUSIPs

Holdings are itemized directly on this plan's Schedule of Assets, below.

Plan health score (directional)

/ 100

Grade B

Above-average plan

Directional indicator computed from public Form 5500 data — compliance, concentration, cost, vendor stack and participation. Not a fiduciary tool.

Compliance & disclosures

100

Concentration risk

100

Total plan cost

Vendor stack

Participation health

Knocking points off

45 bps in Schedule C fees — 56% above peer band of 29 bps.
No recordkeeper disclosed on Schedule C.
Only 48% as many balances as active participants — suggests many active employees aren't deferring.

Decision-maker contacts

CFO / Head of HR / Benefits Manager — verified email + LinkedIn for WENDCENTRAL CORP..

Plan sponsor

Name

WENDCENTRAL CORP.

EIN

16-1416070

Address

27 CENTRAL AVE · CORTLAND, NY · 130452611

Phone

(607) 753-6401

Industry

Accommodation & Food Servicessee all

Plan administrator

Same as plan sponsor.

Plan characteristics

Plan number

001

Plan year

2024

Plan year begin

2024-01-01

Tax period

2024-12-31

Filed

2025-09-19

Pension benefit codes

2E · Profit-sharing

2F · ERISA section 404(c)

2G · Total participant-directed accounts

2J · 401(k) feature

2K · 401(m) arrangement

2T · Default investment account (QDIA)

3D · Pre-approved plan (master / prototype / VS)

Audit & trust (Schedule H)

Auditor

BONADIO & CO., LLP

Trustee / custodian

—

Trustee phone

—

Service providers (Schedule C)

2 rows

Custodian

Name	EIN	Location	Relation	Direct comp	Indirect comp
JOHN HANCOCK NEW YORK	13-3646501	BUFFALO, NY	RECORDKEEPER CUSTODIAN	$2K	—

Advisor / Consultant

Name	EIN	Location	Relation	Direct comp	Indirect comp
MERRILL LYNCH	13-5674085	NEW YORK, NY	REGISTERED INV. ADVISOR	$63K	—

Investments

3 direct securities · 41 pooled funds· $14.3M(100% of reported assets)

Rows tagged as a trust or pooled fund hold many underlying securities. Their holdings are itemized on each fund’s own Form 5500.

Pooled Separate Account

$13.1M

41 holdings

Uncategorized

$1.2M

3 holdings

Investment	Type	Shares / units	Cost	Current value	% of plan
FEDERATED CAPITAL PRESERVATION JOHN HANCOCK OF NEW YORK · EIN 13-3646501 / PN 000	Pooled Separate Account	—	—	$2.4M	16.6%
NUVEEN LIFECYCLE INDEX 2030 JOHN HANCOCK OF NEW YORK · EIN 13-3646501 / PN 000	Pooled Separate Account	—	—	$1.7M	11.9%
500 INDEX FUND JOHN HANCOCK OF NEW YORK · EIN 13-3646501 / PN 000	Pooled Separate Account	—	—	$1.7M	11.8%
John Hancock New York American Funds Invest Comp of America	—	—	—	$1.2M	8.4%
INVESTMENT COMPANY OF AMERICA JOHN HANCOCK OF NEW YORK · EIN 13-3646501 / PN 000	Pooled Separate Account	—	—	$1.2M	8.4%
INVESCO DISCOVERY MID CAP GROW JOHN HANCOCK OF NEW YORK · EIN 13-3646501 / PN 000	Pooled Separate Account	—	—	$1.1M	7.8%
FIDELITY MID CAP INDEX FUND JOHN HANCOCK OF NEW YORK · EIN 13-3646501 / PN 000	Pooled Separate Account	—	—	$945K	6.6%
NUVEEN LIFECYCLE INDEX 2040 JOHN HANCOCK OF NEW YORK · EIN 13-3646501 / PN 000	Pooled Separate Account	—	—	$798K	5.6%
AMERICAN FUNDS NEW PERSPECTIVE JOHN HANCOCK OF NEW YORK · EIN 13-3646501 / PN 000	Pooled Separate Account	—	—	$746K	5.2%
JANUS HENDERSON BALANCED FUND JOHN HANCOCK OF NEW YORK · EIN 13-3646501 / PN 000	Pooled Separate Account	—	—	$691K	4.8%
VANGUARD INTERNATIONAL GROWTH JOHN HANCOCK OF NEW YORK · EIN 13-3646501 / PN 000	Pooled Separate Account	—	—	$498K	3.5%
JANUS HENDERSON TRITON FUND JOHN HANCOCK OF NEW YORK · EIN 13-3646501 / PN 000	Pooled Separate Account	—	—	$361K	2.5%
WESTERN ASSET CORE BOND FUND JOHN HANCOCK OF NEW YORK · EIN 13-3646501 / PN 000	Pooled Separate Account	—	—	$230K	1.6%
NUVEEN LIFECYCLE INDEX 2020 JOHN HANCOCK OF NEW YORK · EIN 13-3646501 / PN 000	Pooled Separate Account	—	—	$157K	1.1%
FIDELITY REAL ESTATE INDEX JOHN HANCOCK OF NEW YORK · EIN 13-3646501 / PN 000	Pooled Separate Account	—	—	$75K	0.5%
VANGUARD VALUE INDEX FUND JOHN HANCOCK OF NEW YORK · EIN 13-3646501 / PN 000	Pooled Separate Account	—	—	$64K	0.4%
INTL EQUITY INDEX FUND JOHN HANCOCK OF NEW YORK · EIN 13-3646501 / PN 000	Pooled Separate Account	—	—	$57K	0.4%
AF CAPITAL INCOME BUILDER JOHN HANCOCK OF NEW YORK · EIN 13-3646501 / PN 000	Pooled Separate Account	—	—	$57K	0.4%
AF THE INCOME FUND OF AMERICA JOHN HANCOCK OF NEW YORK · EIN 13-3646501 / PN 000	Pooled Separate Account	—	—	$56K	0.4%
NUVEEN LIFECYCLE INDEX 2025 JOHN HANCOCK OF NEW YORK · EIN 13-3646501 / PN 000	Pooled Separate Account	—	—	$52K	0.4%
VANGUARD SMALL CAP VALUE INDEX JOHN HANCOCK OF NEW YORK · EIN 13-3646501 / PN 000	Pooled Separate Account	—	—	$47K	0.3%
NUVEEN LIFECYCLE INDEX RET INC JOHN HANCOCK OF NEW YORK · EIN 13-3646501 / PN 000	Pooled Separate Account	—	—	$46K	0.3%
SMALL CAP INDEX FUND JOHN HANCOCK OF NEW YORK · EIN 13-3646501 / PN 000	Pooled Separate Account	—	—	$38K	0.3%
VANGUARD GROWTH INDEX FUND JOHN HANCOCK OF NEW YORK · EIN 13-3646501 / PN 000	Pooled Separate Account	—	—	$23K	0.2%
participants dates through August 2028 -	—	—	—	$21K	0.1%
John Hancock New York John Hancock Conservative Lifestyle	—	—	—	$18K	0.1%
JH MULTIMANAGER CONSERV LS JOHN HANCOCK OF NEW YORK · EIN 13-3646501 / PN 000	Pooled Separate Account	—	—	$18K	0.1%
VANGUARD MID-CAP VALUE ETF JOHN HANCOCK OF NEW YORK · EIN 13-3646501 / PN 000	Pooled Separate Account	—	—	$14K	0.1%
NUVEEN LIFECYCLE INDEX 2035 JOHN HANCOCK OF NEW YORK · EIN 13-3646501 / PN 000	Pooled Separate Account	—	—	$7K	<0.1%
JH MULTIMANAGER AGGRESSIVE LS JOHN HANCOCK OF NEW YORK · EIN 13-3646501 / PN 000	Pooled Separate Account	—	—	$5K	<0.1%
PIMCO INVT GRADE CREDIT BOND JOHN HANCOCK OF NEW YORK · EIN 13-3646501 / PN 000	Pooled Separate Account	—	—	$4K	<0.1%
VANGUARD TOTAL INTL BOND INDEX JOHN HANCOCK OF NEW YORK · EIN 13-3646501 / PN 000	Pooled Separate Account	—	—	$4K	<0.1%
NUVEEN LIFECYCLE INDEX 2065 JOHN HANCOCK OF NEW YORK · EIN 13-3646501 / PN 000	Pooled Separate Account	—	—	$4K	<0.1%
PIMCO COMMODITY REAL RETURN JOHN HANCOCK OF NEW YORK · EIN 13-3646501 / PN 000	Pooled Separate Account	—	—	$3K	<0.1%
NUVEEN LIFECYCLE INDEX 2055 JOHN HANCOCK OF NEW YORK · EIN 13-3646501 / PN 000	Pooled Separate Account	—	—	$2K	<0.1%
MFS TOTAL RETURN FUND JOHN HANCOCK OF NEW YORK · EIN 13-3646501 / PN 000	Pooled Separate Account	—	—	$1K	<0.1%
JOHN HANCOCK INCOME FUND JOHN HANCOCK OF NEW YORK · EIN 13-3646501 / PN 000	Pooled Separate Account	—	—	$900	<0.1%
ALLSPRING GOVERNMENT SECURITIES JOHN HANCOCK OF NEW YORK · EIN 13-3646501 / PN 000	Pooled Separate Account	—	—	$582	<0.1%
NUVEEN LIFECYCLE INDEX 2045 JOHN HANCOCK OF NEW YORK · EIN 13-3646501 / PN 000	Pooled Separate Account	—	—	$566	<0.1%
FIDELITY INTERNATIONAL INDEX JOHN HANCOCK OF NEW YORK · EIN 13-3646501 / PN 000	Pooled Separate Account	—	—	$522	<0.1%
ISHARES MSCI EAFE GROWTH ETF JOHN HANCOCK OF NEW YORK · EIN 13-3646501 / PN 000	Pooled Separate Account	—	—	$506	<0.1%
AMERICAN CENTURY INFL ADJ BOND JOHN HANCOCK OF NEW YORK · EIN 13-3646501 / PN 000	Pooled Separate Account	—	—	$454	<0.1%
JH MULTIMANAGER MODERATE LS JOHN HANCOCK OF NEW YORK · EIN 13-3646501 / PN 000	Pooled Separate Account	—	—	$292	<0.1%
MFS EMERGING MARKETS DEBT JOHN HANCOCK OF NEW YORK · EIN 13-3646501 / PN 000	Pooled Separate Account	—	—	$37	<0.1%