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Original filing (PDF)20251010110452NAL0008002609001
BARNES CROSSING AUTO LLC
Form 5500
FILING_RECEIVED
BARNES CROSSING AUTO GROUP 401(K) PLAN
401(k) retirement plan
Signals · 2
~123 bps in Sched C feesNo recordkeeper disclosed
Active participants
438
Accounts w/ balance
173
Plan assets (EOY)
$3.5M
Net assets (EOY)
$3.5M
How this plan invests
This plan
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
- 123 bps in Schedule C fees — 136% above peer band of 52 bps.
- No recordkeeper disclosed on Schedule C.
- Only 39% 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 BARNES CROSSING AUTO LLC.
Plan sponsor
Name
BARNES CROSSING AUTO LLC
EIN
27-2459506
Address
2819 HWY 145 · SALTILLO, MS · 38866
Phone
(662) 869-0076
Industry
Retail Tradesee 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
2025-10-10
Pension benefit codes
2E · Profit-sharing
3D · Pre-approved plan (master / prototype / VS)
2G · Total participant-directed accounts
2J · 401(k) feature
2K · 401(m) arrangement
2F · ERISA section 404(c)
2T · Default investment account (QDIA)
3B · Covers self-employed individuals
3F · Sponsor used leased employees
Audit & trust (Schedule H)
Auditor
NAIL MCKINNEY, P.A.
Trustee / custodian
—
Trustee phone
—
Service providers (Schedule C)
2 rowsOther
2| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| FTB ADVISORS, INC. | 62-1254528 | — | NONE | $22K | — |
| THE VANGUARD GROUP, INC. | 23-1945930 | — | NONE | $21K | — |
Investments
30 direct securities· $3.5M(100% of reported assets)
| PI | Investment | Type | Shares / units | Cost | Current value | % of plan |
|---|---|---|---|---|---|---|
| Vanguard Target Retirement 2040 Fund Vanguard 0 | — | — | — | $602K | 17.3% | |
| Vanguard Target Retirement 2045 Fund Vanguard 0 | — | — | — | $509K | 14.6% | |
| Vanguard Target Retirement 2035 Fund Vanguard 0 | — | — | — | $483K | 13.9% | |
| Vanguard Target Retirement 2050 Fund Vanguard 0 | — | — | — | $429K | 12.3% | |
| Vanguard Target Retirement 2030 Fund Vanguard 0 | — | — | — | $382K | 11.0% | |
| Vanguard Target Retirement 2055 Fund Vanguard 0 | — | — | — | $288K | 8.3% | |
| Vanguard Target Retirement 2060 Fund Vanguard 0 | — | — | — | $180K | 5.2% | |
| Vanguard 500 Index Adm Vanguard 0 | — | — | — | $152K | 4.4% | |
| Vanguard Target Retirement 2020 Fund Vanguard 0 | — | — | — | $96K | 2.8% | |
| Vanguard Target Retirement 2065 Fund Vanguard 0 | — | — | — | $95K | 2.7% | |
| Vanguard Target Retirement 2025 Fund Vanguard 0 | — | — | — | $57K | 1.6% | |
| Thornburg Strategic Income R6 Thornburg 0 88 Vanguard Federal Money Market Inv Vanguard 0 | — | — | — | $45K | 1.3% | |
| American Funds Cap World Gr & Inc R6 American Funds 0 | — | — | — | $22K | 0.6% | |
| Vanguard Growth Index Adm Vanguard 0 | — | — | — | $20K | 0.6% | |
| MFS Massachusetts Investors Gr Stk R6 MFS 0 | — | — | — | $19K | 0.5% | |
| DFA U.S. Targeted Value Portfolio I DFA 0 | — | — | — | $15K | 0.4% | |
| Vanguard Explorer Adm Vanguard 0 | — | — | — | $11K | 0.3% | |
| Vanguard Equity Income Adm Vanguard 0 | — | — | — | $10K | 0.3% | |
| Vanguard Developed Mkts Index Adm Vanguard 0 | — | — | — | $10K | 0.3% | |
| American Funds Capital Inc Bldr R6 American Funds 0 | — | — | — | $9K | 0.3% | |
| MFS Growth Allocation R6 MFS 0 | — | — | — | $9K | 0.2% | |
| BlackRock Total Return K BlackRock 0 | — | — | — | $8K | 0.2% | |
| MFS Conservative Allocation R6 MFS 0 | — | — | — | $8K | 0.2% | |
| DFA Real Estate Securities Portfolio I DFA 0 | — | — | — | $6K | 0.2% | |
| Vanguard Mid Cap Index Adm Vanguard 0 142 MFS Mid Cap Growth R6 MFS 0 | — | — | — | $3K | <0.1% | |
| MFS Mid Cap Value R6 MFS 0 | — | — | — | $3K | <0.1% | |
| MFS Moderate Allocation R6 MFS 0 | — | — | — | $3K | <0.1% | |
| BlackRock Emerging Markets K BlackRock 0 | — | — | — | $3K | <0.1% | |
| Vanguard Total Bond Market Index Adm Vanguard 0 | — | — | — | $2K | <0.1% | |
| Vanguard Small-Cap Index Adm Vanguard 0 | — | — | — | $2K | <0.1% |
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