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Original filing (PDF)20251006093900NAL0003434177001
WHATABURGER RESTAURANTS LLC
Form 5500
FILING_RECEIVED
WHATABURGER 401(K) SAVINGS PLAN
401(k) retirement plan
Signals · 1
6 service providers
Active participants
39,507
Accounts w/ balance
9,665
Plan assets (EOY)
$262.0M
Net assets (EOY)
$262.0M
How this plan invests
This plan
15 pooled trusts
Schedule D
27 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
- 49 bps in Schedule C fees — 387% above peer band of 10 bps.
- Only 24% 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 WHATABURGER RESTAURANTS LLC.
Plan sponsor
Name
WHATABURGER RESTAURANTS LLC
EIN
30-1199687
Address
300 CONCORD PLAZA DRIVE · SAN ANTONIO, TX · 78216
Phone
(210) 476-6000
Industry
Accommodation & Food Servicessee all
Plan administrator
Name
WHATABURGER 401(K) SAVINGS PLAN ADMINISTRATIVE COMMITTEE
EIN
30-1199687
City
SAN ANTONIO, TX
Phone
(210) 476-6000
Plan characteristics
Plan number
001
Plan year
2024
Plan year begin
2024-01-01
Tax period
2024-12-31
Filed
2025-10-06
Pension benefit codes
2F · ERISA section 404(c)
2G · Total participant-directed accounts
2J · 401(k) feature
2K · 401(m) arrangement
2T · Default investment account (QDIA)
2E · Profit-sharing
Audit & trust (Schedule H)
Auditor
FORVIS, LLP
Trustee / custodian
—
Trustee phone
—
Service providers (Schedule C)
6 rowsRecordkeeper
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| FIDELITY INVESTMENTS INSTITUTIONAL | 04-2647786 | — | RECORDKEEPER | $1.1M | — |
Advisor / Consultant
3| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| STRATEGIC ADVISORS, INC. | 04-2654524 | — | ADVISOR | $60K | — |
| COOK STREET CONSULTING, INC | 84-0854432 | — | INVESTMENT ADVISOR | $31K | — |
| MILLIMAN, INC. | 91-0675641 | — | INVESTMENT ADVISOR | $10K | — |
Accountant / Auditor
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| BKD, LLP | 44-0160260 | — | ACCOUNTANT/AUDITOR | $21K | — |
Legal counsel
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| BARNES & THORNBURG LLP | 35-0900596 | — | ATTORNEY/LEGAL | $39K | — |
Investments
13 direct securities · 15 pooled funds· $262.0M(100% of reported assets)
Rows tagged as a trust or pooled fund hold many underlying securities. Click one to drill into its own Schedule of Assets — where the individual funds, shares, and CUSIPs live.
Common Collective Trust
$209.5M
15 holdings
Uncategorized
$52.5M
13 holdings
| PI | Investment | Type | Shares / units | Cost | Current value | % of plan |
|---|---|---|---|---|---|---|
| FID FRDM BLND 2030 R FIDELITY INSTITUTIONAL ASSET MANAGEMENT · EIN 20-4659714 / PN 091 | Common Collective Trust | — | $1.3M | $34.4M | 13.1% | |
| FID FRDM BLND 2035 R FIDELITY INSTITUTIONAL ASSET MANAGEMENT · EIN 20-4659714 / PN 092 | Common Collective Trust | — | $1.2M | $34.1M | 13.0% | |
| FID FRDM BLND 2045 R FIDELITY INSTITUTIONAL ASSET MANAGEMENT · EIN 20-4659714 / PN 094 | Common Collective Trust | — | $739K | $22.8M | 8.7% | |
| FID FRDM BLND 2040 R FIDELITY INSTITUTIONAL ASSET MANAGEMENT · EIN 20-4659714 / PN 093 | Common Collective Trust | — | $724K | $22.0M | 8.4% | |
| FID FRDM BLND 2025 R FIDELITY INSTITUTIONAL ASSET MANAGEMENT · EIN 20-4659714 / PN 090 | Common Collective Trust | — | $810K | $20.0M | 7.6% | |
| FID FRDM BLND 2050 R FIDELITY INSTITUTIONAL ASSET MANAGEMENT · EIN 20-4659714 / PN 095 | Common Collective Trust | — | $607K | $18.5M | 7.1% | |
| Notes receivable from participants Various maturity dates with interest rates ranging from 4.25% – 9.50% | — | — | — | $16.6M | 6.4% | |
| FID FRDM BLND 2055 R FIDELITY INSTITUTIONAL ASSET MANAGEMENT · EIN 20-4659714 / PN 113 | Common Collective Trust | — | $485K | $15.8M | 6.0% | |
| GALLIARD STBLE RTN C WELLS FARGO BANK, N.A. · EIN 52-2250946 / PN 001 | Common Collective Trust | — | $241K | $14.8M | 5.7% | |
| FID 500 INDEX Mutual Fund | — | — | $59K | $12.1M | 4.6% | |
| FID FRDM BLND 2060 R FIDELITY INSTITUTIONAL ASSET MANAGEMENT · EIN 20-4659714 / PN 147 | Common Collective Trust | — | $448K | $9.8M | 3.7% | |
| FID FRDM BLND 2065 R FIDELITY INSTITUTIONAL ASSET MANAGEMENT · EIN 20-4659714 / PN 168 | Common Collective Trust | — | $441K | $7.3M | 2.8% | |
| FID FRDM BLND 2020 R FIDELITY INSTITUTIONAL ASSET MANAGEMENT · EIN 20-4659714 / PN 089 | Common Collective Trust | — | $242K | $5.5M | 2.1% | |
| MS W LARGE CAP GR R1 Mutual Fund | — | — | $408K | $4.5M | 1.7% | |
| DODGE & COX STOCK I Mutual Fund | — | — | $16K | $4.0M | 1.5% | |
| JPM CORE BOND A Mutual Fund | — | — | $368K | $3.7M | 1.4% | |
| FID GLB EX US IDX Mutual Fund | — | — | $156K | $2.3M | 0.9% | |
| FID FRDM BLND 2015 R FIDELITY INSTITUTIONAL ASSET MANAGEMENT · EIN 20-4659714 / PN 088 | Common Collective Trust | — | $101K | $2.2M | 0.9% | |
| MFS INTL INTR VAL R3 Mutual Fund | — | — | $62K | $2.2M | 0.8% | |
| VANG SELECTED VALUE Mutual Fund | — | — | $73K | $2.0M | 0.8% | |
| INVS DEVELOP MKT Y Mutual Fund | — | — | $43K | $1.6M | 0.6% | |
| FID FRDM BLEND INC R FIDELITY INSTITUTIONAL ASSET MANAGEMENT · EIN 20-4659714 / PN 085 | Common Collective Trust | — | $97K | $1.6M | 0.6% | |
| FID EXTD MKT IDX Mutual Fund | — | — | $17K | $1.5M | 0.6% | |
| FID US BOND IDX Mutual Fund | — | — | $144K | $1.5M | 0.6% | |
| FID FRDM BLND 2010 R FIDELITY INSTITUTIONAL ASSET MANAGEMENT · EIN 20-4659714 / PN 087 | Common Collective Trust | — | $29K | $613K | 0.2% | |
| J H TRITON T Mutual Fund | — | — | $14K | $373K | 0.1% | |
| FID GOVT MMKT Mutual Fund | — | — | $55K | $55K | <0.1% | |
| FID FRDM BLND 2005 R FIAM TRUST COMPANY · EIN 20-4659714 / PN 086 | Common Collective Trust | — | — | $0 | <0.1% |