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Original filing (PDF)20251015123502NAL0006268736001
FRANKLIN MOUNTAIN MANAGEMENT, LLC
Form 5500
FILING_RECEIVED
FRANKLIN MOUNTAIN MANAGEMENT, LLC 401(K) PLAN
401(k) retirement plan
Signals · 2
~91 bps in Sched C feesNo recordkeeper disclosed
Active participants
647
Accounts w/ balance
185
Plan assets (EOY)
$15.7M
Net assets (EOY)
$15.7M
How this plan invests
This plan
2 pooled trusts
Schedule D
30 securities
funds · stocks · CUSIPs
Holdings are itemized directly on this plan's Schedule of Assets, below.
Plan health score (directional)
84
/ 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
65
Vendor stack
80
Participation health
65
Knocking points off
- 91 bps in Schedule C fees — 214% above peer band of 29 bps.
- No recordkeeper disclosed on Schedule C.
- Only 29% 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 FRANKLIN MOUNTAIN MANAGEMENT, LLC.
Plan sponsor
Name
FRANKLIN MOUNTAIN MANAGEMENT, LLC
EIN
26-1802503
Address
123 WEST MILLS AVENUE SUITE 600 · EL PASO, TX · 79901
Phone
(915) 504-7100
Industry
Professional & Technical Servicessee all
Plan administrator
Name
ORENDA RETIREMENT LLC
EIN
36-4877979
City
DULUTH, GA
Phone
—
Plan characteristics
Plan number
001
Plan year
2024
Plan year begin
2024-01-01
Tax period
2024-12-31
Filed
2025-10-15
Pension benefit codes
2E · Profit-sharing
2J · 401(k) feature
2K · 401(m) arrangement
2F · ERISA section 404(c)
2G · Total participant-directed accounts
3D · Pre-approved plan (master / prototype / VS)
3H · Sponsor in controlled / affiliated group
Audit & trust (Schedule H)
Auditor
LANE GORMAN TRUBITT, LLC
Trustee / custodian
—
Trustee phone
—
Service providers (Schedule C)
3 rowsAdvisor / Consultant
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| FISHER ASSET MANAGEMENT | 20-2480800 | — | INVESTMENT ADVISORY | $69K | — |
TPA / Administrator
2| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| PRINCIPAL LIFE INSURANCE COMPANY | 42-0127290 | — | CONTRACT ADMINISTRATOR | $69K | — |
| ORENDA RETIREMENT, LLC | 36-4877979 | — | CONTRACT ADMINISTRATOR | $5K | — |
Investments
29 direct securities · 2 pooled funds· $15.7M(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.
Uncategorized
$14.9M
28 holdings
Mutual Funds
$392K
1 holding
Common Collective Trust
$353K
2 holdings
| PI | Investment | Type | Shares / units | Cost | Current value | % of plan |
|---|---|---|---|---|---|---|
| BlackRock LifePath Index 2035 Fund | — | — | — | $3.5M | 22.3% | |
| BlackRock LifePath Index 2030 Fund | — | — | — | $1.7M | 10.6% | |
| BlackRock LifePath Index 2040 Fund | — | — | — | $1.6M | 10.0% | |
| BlackRock LifePath Index Retirement Fund | — | — | — | $1.5M | 9.5% | |
| BlackRock LifePath Index 2045 Fund | — | — | — | $1.1M | 7.1% | |
| The Vanguard Group Vanguard Growth Index Fund | — | — | — | $1.1M | 7.1% | |
| BlackRock LifePath Index 2050 Fund | — | — | — | $1.1M | 6.8% | |
| The Vanguard Group Vanguard Total Stock Market Index Fund | — | — | — | $1.0M | 6.4% | |
| The Vanguard Group Vanguard Mid-Cap Index Fund | — | — | — | $517K | 3.3% | |
| S The Vanguard Group Vanguard Federal Money Market Fund | Mutual Funds | — | — | $392K | 2.5% | |
| FISHER INV ALL WRLD EQ COL CL3 SEI TRUST COMPANY · EIN 47-1327741 / PN 004 | Common Collective Trust | — | — | $347K | 2.2% | |
| BlackRock LifePath Index 2055 Fund | — | — | — | $303K | 1.9% | |
| American Funds American Funds American Balanced Fund | — | — | — | $256K | 1.6% | |
| The Vanguard Group Vanguard Small-Cap Index Fund | — | — | — | $237K | 1.5% | |
| January 2039 - | — | — | — | $178K | 1.1% | |
| BlackRock LifePath Index 2060 Fund | — | — | — | $123K | 0.8% | |
| The Vanguard Group Vanguard Total International Stock Index Fund | — | — | — | $106K | 0.7% | |
| PGIM Investments PGIM High Yield Fund | — | — | — | $99K | 0.6% | |
| PGIM Investments PGIM Global Total Return (USD Hedged) Fund | — | — | — | $93K | 0.6% | |
| The Vanguard Group Vanguard Value Index Fund | — | — | — | $90K | 0.6% | |
| JPMorgan Asset Management JPMorgan Emerging Markets Equity Fund | — | — | — | $87K | 0.6% | |
| BlackRock LifePath Index 2065 Fund | — | — | — | $75K | 0.5% | |
| JPMorgan Asset Management JPMorgan Mid-Cap Value Fund | — | — | — | $69K | 0.4% | |
| The Vanguard Group Vanguard Total World Stock Index Fund | — | — | — | $57K | 0.4% | |
| Dimensional Fund Advisors DFA Global Real Estate Securities Portfolio | — | — | — | $55K | 0.4% | |
| The Vanguard Group Vanguard Inflation-Protected Securities Fund | — | — | — | $44K | 0.3% | |
| Baird Asset Management Baird Core Plus Bond Fund | — | — | — | $15K | <0.1% | |
| SEI Trust Company Fisher Investments U.S. Fixed Income Collective Fund | — | — | — | $6K | <0.1% | |
| FISHER INV FIX INC COLL CL3 SEI TRUST COMPANY · EIN 47-1333674 / PN 005 | Common Collective Trust | — | — | $6K | <0.1% | |
| The Vanguard Group Vanguard Total Bond Market Index | — | — | — | $6K | <0.1% | |
| The Vanguard Group Vanguard Total International Bond Index Fund | — | — | — | $3K | <0.1% |
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