Original filing (PDF)20251014112600NAL0003774000001

FIVE STAR FOOD SERVICE, INC.

Name: FIVE STAR FOOD SERVICE, INC. — FIVE STAR FOOD SERVICE, INC. 401(K) EMPLOYEES' SAVINGS PLAN, Form 5500 (2024)
Creator: FIVE STAR FOOD SERVICE, INC.

Form 5500

FILING_RECEIVED

FIVE STAR FOOD SERVICE, INC. 401(K) EMPLOYEES' SAVINGS PLAN

401(k) retirement plan

Signals · 3

Late participant contributionsPossibly inadequate fidelity bondCorrective distributions issued

Active participants

1,886

Accounts w/ balance

1,753

Plan assets (EOY)

$38.8M

Net assets (EOY)

$38.8M

How this plan invests

This plan

1 pooled trust

Schedule D

26 securities

funds · stocks · CUSIPs

Holdings are itemized directly on this plan's Schedule of Assets, below.

Plan health score

Average plan with room to improve

Directional indicator from public Form 5500 data — compliance & integrity, total plan cost, participant health and vendor stack, benchmarked against same-size peers. Not a fiduciary tool.

Compliance & integrity

Total plan cost

Plan health

Vendor & structure

100

Knocking points off

Delinquent participant contributions reported (Schedule H 4a) — 2K (0% of contributions).
Corrective distributions issued (likely failed ADP/ACP testing).
Fidelity bond appears below the 10%-of-assets requirement.
Low account-holder ratio — balance-holders per active participant in the bottom quartile of peers (22nd percentile).

Decision-maker contacts

One unlock reveals every key decision-maker — plan signer, CFO, HR & Benefits — with verified email + LinkedIn for FIVE STAR FOOD SERVICE, INC..

Plan sponsor

Name

FIVE STAR FOOD SERVICE, INC.

EIN

58-2225899

Address

412 E 10TH ST STE 108 · CHATTANOOGA, TN · 374034312

Phone

(423) 643-2600

Industry

Accommodation & Food Servicessee all

Plan administrator

Name

JULIE FONZO

EIN

58-2225899

City

CHATTANOOGA, TN

Phone

(423) 643-2600

Plan characteristics

Plan number

001

Plan year

2024

Plan year begin

2024-01-01

Tax period

2024-12-31

Filed

2025-10-14

Pension benefit codes

2E · Profit-sharing

2F · ERISA section 404(c)

2G · Total participant-directed accounts

2J · 401(k) feature

2K · 401(m) arrangement

2S · Automatic enrollment

2T · Default investment account (QDIA)

3D · Pre-approved plan (master / prototype / VS)

Service providers (Schedule C)

3 rows

Recordkeeper

Name	EIN	Location	Relation	Direct comp	Indirect comp
EMPOWER ANNUITY INSURANCE COMPANY O	—	GREENWOOD VILLAGE, CO	RECORDKEEPER	$122K	—
EMPOWER ADVISORY GROUP, LLC	—	GREENWOOD VILLAGE, CO	INVESTMENT MGMT	$25K	—

Advisor / Consultant

Name	EIN	Location	Relation	Direct comp	Indirect comp
ONEDIGITAL INVESTMENT ADVISORS LLC

Investments

26 direct securities · 1 pooled fund· $38.8M(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.

Other securities

$35.5M

25 holdings

Common Collective Trust

$3.3M

1 holding

Bonds / Notes

$61K

1 holding

					% of plan
American Funds 2035 Target Date Fund R6 Registered Investment Company	Other securities	—	—	$5.3M	13.7%
Vanguard 500 Index Fund - Admiral Registered Investment Company	Other securities	—	—	$4.3M	11.2%
American Funds 2045 Target Date Fund R6 Registered Investment Company	Other securities	—	—	$4.1M	10.5%
FEDERATED HERMES CAPITL PRESERVATIO FEDERATED INVESTORS · EIN 22-2712853 / PN 001	Common Collective Trust	—	—	$3.3M	8.6%
Registred Investment Companies AB Large Cap Growth Z Registered Investment Company	Other securities	—	—	$2.6M	6.7%
American Funds 2055 Target Date Fund R6 Registered Investment Company	Other securities	—	—	$2.5M	6.5%
American Funds 2025 Target Date Fund R6 Registered Investment Company	Other securities	—	—	$2.4M	6.1%
Federated Hermes Total Return Bond Fd R6 Registered Investment Company	Other securities	—	—	$1.8M	4.7%
J P Morgan Equity Income R6 Registered Investment Company	Other securities	—	—	$1.4M	3.6%
American Funds American Balanced R6 Registered Investment Company	Other securities	—	—	$1.3M	3.3%
Vanguard Small Cap Index Fund - Admiral Registered Investment Company	Other securities	—	—	$1.2M	3.1%
American Funds 2060 Target Date Fund R6 Registered Investment Company	Other securities	—	—	$1.2M	3.0%
Vanguard Developed Markets Index Admiral Registered Investment Company	Other securities	—	—	$1.1M	2.7%
American Funds Income Fund Of America R6 Registered Investment Company	Other securities	—	—	$739K	1.9%
MFS Mid Cap Value R6 Registered Investment Company	Other securities	—	—	$715K	1.8%
Fidelity Advisor International Growth Z Registered Investment Company	Other securities	—	—	$709K	1.8%
American Funds 2065 Target Date Fund R6 Registered Investment Company	Other securities	—	—	$556K	1.4%
Vanguard Information Technology Idx Adm Registered Investment Company	Other securities	—	—	$543K	1.4%
MFS Research International R6 Registered Investment Company	Other securities	—	—	$526K	1.4%
Franklin Small Cap Growth Adv Registered Investment Company	Other securities	—	—	$511K	1.3%
Macquarie Mid Cap Growth R6 Registered Investment Company	Other securities	—	—	$505K	1.3%
Vanguard Emerging Mkts Stock Idx Adm Registered Investment Company	Other securities	—	—	$487K	1.3%
Vanguard Mid Cap Index Adm Registered Investment Company	Other securities	—	—	$462K	1.2%
Blackrock Inflation Prted Bd Blackrock K Registered Investment Company	Other securities	—	—	$269K	0.7%
American Funds 2015 Target Date Fund R6 Registered Investment Company	Other securities	—	—	$170K	0.4%
MFS New Discovery Value R6 Registered Investment Company	Other securities	—	—	$103K	0.3%
Participant Loans Interest rates at (4.25% ~ 9.50%) $0	Bonds / Notes	—	—	$61K	0.2%