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Original filing (PDF)20250909053234NAL0042254258001
STERLING RESTAURANTS, LLC
Form 5500
FILING_RECEIVED
STERLING RESTAURANTS, LLC 401K PLAN
401(k) retirement plan
Signals · 1
~146 bps in Sched C fees
Active participants
651
Accounts w/ balance
247
Plan assets (EOY)
$2.8M
Net assets (EOY)
$2.8M
How this plan invests
This plan
24 securities
funds · stocks · CUSIPs
Holdings are itemized directly on this plan's Schedule of Assets, below.
Plan health score (directional)
86
/ 100
Grade A
Top-tier plan health
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
100
Participation health
65
Knocking points off
- 146 bps in Schedule C fees — 181% above peer band of 52 bps.
- Only 38% 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 STERLING RESTAURANTS, LLC.
Plan sponsor
Name
STERLING RESTAURANTS, LLC
EIN
26-4622679
Address
2915 PEACHTREE RD · ATLANTA, GA · 30305
Phone
(678) 618-0862
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
2025-09-09
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
BENNETT THRASHER LLP
Trustee / custodian
—
Trustee phone
—
Service providers (Schedule C)
3 rowsRecordkeeper
2| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| ADP, INC. | 13-3036745 | — | RECORD KEEPER | $30K | — |
| ADP BROKER-DEALER | 22-3319984 | — | RECORD KEEPER | $0 | — |
Advisor / Consultant
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| MERRILL LYNCH PIERCE FENNER & SMITH | 13-5674085 | — | INVESTMENT ADVISOR | $12K | — |
Investments
24 direct securities· $2.7M(96% of reported assets)
| PI | Investment | Type | Shares / units | Cost | Current value | % of plan |
|---|---|---|---|---|---|---|
| AMERICAN FNDS FUNDAMENT INV R6 | Registered Investment Companies | — | — | $402K | 14.2% | |
| JPM SMARTRETIREMENT 2055 R6 | Registered Investment Companies | — | — | $301K | 10.7% | |
| JPM SMARTRETIREMENT 2035 R6 | Registered Investment Companies | — | — | $274K | 9.7% | |
| VANGUARD VALUE INDEX FUND ADMR | Registered Investment Companies | — | — | $230K | 8.1% | |
| JPM SMARTRETIREMENT 2030 R6 | Registered Investment Companies | — | — | $174K | 6.2% | |
| T ROWE PRICE BLUE CHIP GR I | Registered Investment Companies | — | — | $152K | 5.4% | |
| JPM SMARTRETIREMENT INCOME R6 | Registered Investment Companies | — | — | $126K | 4.5% | |
| AMERICAN FUNDS INT GR & INC R6 | Registered Investment Companies | — | — | $124K | 4.4% | |
| JPM SMARTRETIREMENT 2025 R6 | Registered Investment Companies | — | — | $108K | 3.8% | |
| LOOMIS SAYLES SMALL CAP GR N | Registered Investment Companies | — | — | $100K | 3.5% | |
| BLACKROCK MIDCAP GROWTH EQ K | Registered Investment Companies | — | — | $92K | 3.3% | |
| FRANKLIN SCV R6 | Registered Investment Companies | — | — | $77K | 2.7% | |
| JPM SMARTRETIREMENT 2045 R6 | Registered Investment Companies | — | — | $73K | 2.6% | |
| MACQUARIE EMERGING MARKETS R | Registered Investment Companies | — | — | $70K | 2.5% | |
| BLACKROCK HIGH YIELD K | Registered Investment Companies | — | — | $63K | 2.2% | |
| MFS MID CAP VALUE FUND - R6 | Registered Investment Companies | — | — | $56K | 2.0% | |
| JPM SMARTRETIREMENT 2020 R6 | Registered Investment Companies | — | — | $40K | 1.4% | |
| JPM SMARTRETIREMENT 2040 R6 | Registered Investment Companies | — | — | $40K | 1.4% | |
| VANGUARD SH TERM BD INDEX ADM | Registered Investment Companies | — | — | $40K | 1.4% | |
| PIMCO REAL RETURN FUND - INSTL | Registered Investment Companies | — | — | $40K | 1.4% | |
| FIRST EAGLE RISING DIVIDEND I | Registered Investment Companies | — | — | $39K | 1.4% | |
| BLACKROCK T-FUND - PREMIER | Registered Investment Companies | — | — | $37K | 1.3% | |
| WESTERN ASSET CORE PLUS BD IS | Registered Investment Companies | — | — | $27K | 1.0% | |
| JPM SMARTRETIREMENT 2050 R6 | Registered Investment Companies | — | — | $24K | 0.9% |
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