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Original filing (PDF)20250916122527NAL0001861825001
CHARTER HR, INC.
Form 5500
FILING_RECEIVED
CHARTER HR RETIREMENT SAVINGS PLAN
401(k) retirement plan
Signals · 3
26% in single holding~107 bps in Sched C feesNo recordkeeper disclosed
Active participants
433
Accounts w/ balance
164
Plan assets (EOY)
$6.1M
Net assets (EOY)
$6.1M
How this plan invests
This plan
38 securities
funds · stocks · CUSIPs
Holdings are itemized directly on this plan's Schedule of Assets, below.
Plan health score (directional)
81
/ 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
87
Total plan cost
65
Vendor stack
80
Participation health
65
Knocking points off
- Top holding "Vanguard Group Vanguard Total Stock Market Index Fund Admiral" is 26% of plan.
- 107 bps in Schedule C fees — 105% above peer band of 52 bps.
- No recordkeeper disclosed on Schedule C.
- 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 CHARTER HR, INC..
Plan sponsor
Name
CHARTER HR, INC.
EIN
27-3214766
Address
P.O. BOX 759 · ALEXANDER CITY, AL · 35011
Phone
(256) 234-6234
Industry
Professional & Technical 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
2025-09-16
Pension benefit codes
2J · 401(k) feature
2K · 401(m) arrangement
2G · Total participant-directed accounts
2F · ERISA section 404(c)
2E · Profit-sharing
2T · Default investment account (QDIA)
2V · PEO multiple-employer plan
3D · Pre-approved plan (master / prototype / VS)
Audit & trust (Schedule H)
Auditor
BAKER TILLY US, LLP
Trustee / custodian
—
Trustee phone
—
Service providers (Schedule C)
3 rowsTPA / Administrator
2| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| SLAVIC INTEGRATED ADMINISTRATION | 65-0608221 | — | TPA | $49K | — |
| CHARTER HR, INC. | 27-3214766 | — | PLAN ADMINISTRATOR | $5K | — |
Other
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| SLAVIC MUTUAL FUND MANAGEMENT CORP | 59-2749576 | — | INVESTMENT MGMT | $11K | — |
Investments
37 direct securities· $6.3M(100% of reported assets)
Uncategorized
$5.7M
36 holdings
Mutual Funds
$577K
1 holding
| PI | Investment | Type | Shares / units | Cost | Current value | % of plan |
|---|---|---|---|---|---|---|
| Vanguard Group Vanguard Total Stock Market Index Fund Admiral | — | — | — | $1.8M | 29.1% | |
| Vanguard Group Vanguard Intermediate-Term Bond Index Fund Admiral | — | — | — | $733K | 11.9% | |
| Gabelli Funds/Ssga SVSPX - Ssga S&P Index 500 | — | — | — | $679K | 11.1% | |
| Vanguard Group Vanguard Federal Money Market Fund Investor | Mutual Funds | — | — | $577K | 9.4% | |
| Vanguard Group Vanguard Consumer Staples Index Fund Class Admiral Shares | — | — | — | $401K | 6.5% | |
| iShares MSCI EAFE International Index Fund Class K | — | — | — | $397K | 6.5% | |
| Vanguard Group Vanguard Growth Index Admiral | — | — | — | $251K | 4.1% | |
| Fidelity Investments Fidelity US Bond Index | — | — | — | $121K | 2.0% | |
| Notes receivable Notes receivable with various maturities and interest rates ranging from * Participants 4.25% - 9.50% on all outstanding notes. - | — | — | — | $121K | 2.0% | |
| Participant Loans 4.25% - 9.50% | — | — | — | $121K | 2.0% | |
| American Funds American Funds New Perspective Fund Class R-6 | — | — | — | $100K | 1.6% | |
| Dimensional Fund Advisor DFA Global Equity I | — | — | — | $95K | 1.6% | |
| Vanguard Group Vanguard Utilities Index Fund Admiral | — | — | — | $93K | 1.5% | |
| T. Rowe Price T. Rowe Price International Equity Index Fund | — | — | — | $77K | 1.3% | |
| Vanguard Group Vanguard Target Retirement 2035 Fund Investor | — | — | — | $71K | 1.2% | |
| Vanguard Group Vanguard Mid-Cap Index Fund Admiral Shares | — | — | — | $68K | 1.1% | |
| Vanguard Group Vanguard Small-Cap Growth Index Fund Admiral | — | — | — | $66K | 1.1% | |
| Vanguard Group Vanguard Equity-Income Fund Admiral Shares | — | — | — | $61K | 1.0% | |
| BlackRock Health Sciences Opportunities Portfolio Service Shares | — | — | — | $52K | 0.8% | |
| Vanguard Group Vanguard Mid-Cap Growth Index Fund Admiral | — | — | — | $46K | 0.7% | |
| Vanguard Group Vanguard Small-Cap Value Index Fund Admiral | — | — | — | $36K | 0.6% | |
| Vanguard Group Vanguard Target Retirement 2040 Fund Investor | — | — | — | $36K | 0.6% | |
| Vanguard Group Vanguard Information Technology Index Fund Admiral | — | — | — | $32K | 0.5% | |
| Oppenheimer Funds Oppenheimer Gold & Special Minerals | — | — | — | $31K | 0.5% | |
| Vanguard Group Vanguard Short-Term Bond Index Fund Admiral | — | — | — | $26K | 0.4% | |
| Vanguard Group Vanguard Real Estate Index Fund Admiral Shares | — | — | — | $25K | 0.4% | |
| American Funds American Funds EuroPacific Growth Fund Class R-6 | — | — | — | $23K | 0.4% | |
| Vanguard Group Vanguard Target Retirement 2030 Fund Investor | — | — | — | $22K | 0.4% | |
| Vanguard Group Vanguard Materials Index Fund Admiral | — | — | — | $22K | 0.4% | |
| Vanguard Group Vanguard Short-Term Federal Fund Admiral | — | — | — | $21K | 0.3% | |
| Vanguard Group Vanguard Target Retirement Income Fund | — | — | — | $20K | 0.3% | |
| Vanguard Group Vanguard Target Retirement 2045 Fund Investor | — | — | — | $17K | 0.3% | |
| American Funds American Century Mid Cap Value Fund Investor Class | — | — | — | $12K | 0.2% | |
| Vanguard Group Vanguard Small-Cap Index Fund Admiral Shares | — | — | — | $11K | 0.2% | |
| Vanguard Group Vanguard Inflation-Protected Securities Fund Admiral | — | — | — | $4K | <0.1% | |
| Vanguard Group Vanguard Short-Term Inflation-Protected | — | — | — | $3K | <0.1% | |
| Vanguard Group Vanguard Target Retirement 2065 Fund Investor | — | — | — | $1K | <0.1% |
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