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Original filing (PDF)20250922102639NAL0002090771001
ABG OPERATING, LLC
Form 5500
FILING_RECEIVED
AMERICAN BATH GROUP 401(K) PLAN
401(k) retirement plan
Signals · 2
25% in single holdingNo recordkeeper disclosed
Active participants
4,778
Accounts w/ balance
1,791
Plan assets (EOY)
$124.1M
Net assets (EOY)
$124.1M
How this plan invests
This plan
1 pooled trust
Schedule D
29 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 "Fidelity: 500 Index Fund" is 25% of plan.
- 21 bps in Schedule C fees — 106% above peer band of 10 bps.
- No recordkeeper disclosed on Schedule C.
- Only 37% 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 ABG OPERATING, LLC.
Plan sponsor
Name
ABG OPERATING, LLC
EIN
47-4204265
Address
435 INDUSTRIAL ROAD · SAVANNAH, TN · 38372
Phone
(800) 877-2005
Industry
Manufacturingsee 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
2025-09-22
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)
3D · Pre-approved plan (master / prototype / VS)
3H · Sponsor in controlled / affiliated group
Audit & trust (Schedule H)
Auditor
BLACK & PINCKARD LLC
Trustee / custodian
—
Trustee phone
—
Service providers (Schedule C)
2 rowsOther
2| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| SCHWAB RETIREMENT PLAN SERVICES INC | 34-1479833 | — | NONE | $186K | — |
| COOK STREET CONSULTING, INC. | 84-0854432 | — | NONE | $69K | — |
Investments
29 direct securities · 1 pooled fund· $134.0M(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.
Uncategorized
$122.0M
29 holdings
Common Collective Trust
$12.1M
1 holding
| PI | Investment | Type | Shares / units | Cost | Current value | % of plan |
|---|---|---|---|---|---|---|
| Fidelity: 500 Index Fund | — | — | — | $30.6M | 24.6% | |
| Galliard Retirement Income Fund | — | — | — | $12.1M | 9.7% | |
| WILMGTTR CIT II GALLIARD RET INC FD WILMINGTON TRUST, N.A. · EIN 20-5886387 / PN 082 | Common Collective Trust | — | — | $12.1M | 9.7% | |
| Mid Cap Index Fund | — | — | — | $10.2M | 8.2% | |
| 2030 Target Date Retirement Fund | — | — | — | $9.0M | 7.2% | |
| 2035 Target Date Retirement Fund | — | — | — | $7.5M | 6.1% | |
| American Funds: EuroPacific Growth Fund | — | — | — | $7.1M | 5.7% | |
| 2040 Target Date Retirement Fund | — | — | — | $5.8M | 4.6% | |
| Vanguard: Equity Income Fund | — | — | — | $5.1M | 4.1% | |
| PGIM Total Return Bond Fund | — | — | — | $5.0M | 4.0% | |
| 2045 Target Date Retirement Fund | — | — | — | $4.1M | 3.3% | |
| 2025 Target Date Retirement Fund | — | — | — | $3.7M | 3.0% | |
| Treasury Money Market Fund | — | — | — | $3.6M | 2.9% | |
| 2050 Target Date Retirement Fund | — | — | — | $2.6M | 2.1% | |
| Participant loans | — | — | — | $2.4M | 2.0% | |
| T. Rowe Price Growth Stock Fund | — | — | — | $2.1M | 1.7% | |
| 2055 Target Date Retirement Fund | — | — | — | $2.0M | 1.6% | |
| Small Cap Index Fund | — | — | — | $1.9M | 1.5% | |
| 2020 Target Date Retirement Fund | — | — | — | $1.6M | 1.3% | |
| JP Morgan Small Cap Growth Fund | — | — | — | $1.2M | 0.9% | |
| American Beacon Small Cap Value Fund | — | — | — | $1.1M | 0.9% | |
| US Bond Index Fund | — | — | — | $998K | 0.8% | |
| Inflation-Protected Bond Fund | — | — | — | $887K | 0.7% | |
| 2010 Target Date Retirement Fund | — | — | — | $420K | 0.3% | |
| 2060 Target Date Retirement Fund | — | — | — | $320K | 0.3% | |
| Cohen & Steers Global Realty Fund | — | — | — | $305K | 0.2% | |
| 2015 Target Date Retirement Fund | — | — | — | $274K | 0.2% | |
| PIMCO High Yield Fund | — | — | — | $203K | 0.2% | |
| 2065 Target Date Retirement Fund | — | — | — | $67K | <0.1% | |
| 2070 Target Date Retirement Fund | — | — | — | $11 | <0.1% |
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