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Original filing (PDF)20251013103201NAL0002431458001
WHITE CASTLE SYSTEM, INC.
Form 5500
FILING_RECEIVED
WHITE CASTLE 401(K) RETIREMENT SAVINGS PLAN
401(k) retirement plan
Signals · 1
No recordkeeper disclosed
Active participants
1,879
Accounts w/ balance
2,143
Plan assets (EOY)
$96.7M
Net assets (EOY)
$96.7M
How this plan invests
This plan
1 pooled trust
Schedule D
28 securities
funds · stocks · CUSIPs
Holdings are itemized directly on this plan's Schedule of Assets, below.
Plan health score (directional)
89
/ 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
80
Participation health
100
Knocking points off
- 32 bps in Schedule C fees — 98% above peer band of 16 bps.
- No recordkeeper disclosed on Schedule C.
Decision-maker contacts
CFO / Head of HR / Benefits Manager — verified email + LinkedIn for WHITE CASTLE SYSTEM, INC..
Plan sponsor
Name
WHITE CASTLE SYSTEM, INC.
EIN
31-4340520
Address
555 EDGAR WALDO WAY · COLUMBUS, OH · 43215
Phone
(614) 228-5781
Industry
Accommodation & Food Servicessee all
Plan administrator
Same as plan sponsor.
Plan characteristics
Plan number
003
Plan year
2024
Plan year begin
2024-01-01
Tax period
2024-12-31
Filed
2025-10-13
Pension benefit codes
2E · Profit-sharing
2F · ERISA section 404(c)
2G · Total participant-directed accounts
2J · 401(k) feature
2T · Default investment account (QDIA)
3D · Pre-approved plan (master / prototype / VS)
Audit & trust (Schedule H)
Auditor
GBQ PARTNERS LLC
Trustee / custodian
—
Trustee phone
—
Service providers (Schedule C)
2 rowsOther
2| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| THE VANGUARD GROUP, INC. | 23-1945930 | — | NONE | $296K | — |
| AON | 36-3109431 | — | NONE | $10K | — |
Investments
27 direct securities · 1 pooled fund· $96.5M(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.
Uncategorized
$94.6M
27 holdings
Common Collective Trust
$1.9M
1 holding
| PI | Investment | Type | Shares / units | Cost | Current value | % of plan |
|---|---|---|---|---|---|---|
| Vanguard Target Retirement 2030 Fund | — | — | — | $15.8M | 16.4% | |
| Vanguard Target Retirement 2035 Fund | — | — | — | $15.6M | 16.1% | |
| Vanguard Target Retirement 2040 Fund | — | — | — | $10.6M | 11.0% | |
| Vanguard Target Retirement 2025 Fund | — | — | — | $9.5M | 9.8% | |
| Vanguard Target Retirement 2045 Fund | — | — | — | $7.7M | 8.0% | |
| Vanguard Target Retirement 2050 Fund | — | — | — | $5.8M | 6.0% | |
| Vanguard Target Retirement Income | — | — | — | $4.8M | 5.0% | |
| Vanguard Target Retirement 2055 Fund | — | — | — | $4.0M | 4.1% | |
| Loans * Loans to Plan participants Varying maturity dates through 2034 with interest rates ranging from 4.25% to 9.50% | — | — | — | $3.9M | 4.0% | |
| Vanguard Institutional Index Fund Inst'l Shares | — | — | — | $2.9M | 3.0% | |
| VFTC RETIREMENT SAVINGS TRUST III VANGUARD FIDUCIARY TRUST COMPANY · EIN 38-7041744 / PN 024 | Common Collective Trust | — | — | $1.9M | 2.0% | |
| Vanguard Target Retirement 2060 Fund | — | — | — | $1.9M | 1.9% | |
| Vanguard Target Retirement 2020 Fund | — | — | — | $1.8M | 1.9% | |
| Vanguard Growth Index Fund Admiral Shares | — | — | — | $1.7M | 1.8% | |
| Dodge & Cox Dodge & Cox Stock Fund Class I | — | — | — | $1.7M | 1.7% | |
| Vanguard Target Retirement 2065 Fund | — | — | — | $1.3M | 1.4% | |
| Vanguard Mid-Cap Index Fund Admiral Shares | — | — | — | $1.0M | 1.1% | |
| Vanguard Small-Cap Growth Index Fund Admiral | — | — | — | $779K | 0.8% | |
| Oakmark International Fund; Investor Class | — | — | — | $649K | 0.7% | |
| Victory Sycamore Est Value Fund, Cl R6 | — | — | — | $637K | 0.7% | |
| Royce Small-Cap Opportunity Fund Institutional | — | — | — | $625K | 0.6% | |
| Metropolitan West Metropolitan West Total Return Bond Fund: Class I Shares | — | — | — | $580K | 0.6% | |
| American Funds EuroPacific Growth Fund; Class R-6 | — | — | — | $385K | 0.4% | |
| Vanguard Inflation-Protected Securities Fund: Adm Shares | — | — | — | $358K | 0.4% | |
| American Funds New World Fund; Class R6 | — | — | — | $262K | 0.3% | |
| Vanguard Target Retirement 2070 Fund | — | — | — | $139K | 0.1% | |
| Cohen & Steers Real Estate Securities Fund; Class Z | — | — | — | $119K | 0.1% | |
| Vanguard Federal Money Market Fund | — | — | — | $28K | <0.1% |