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Original filing (PDF)20250924151149NAL0003099027002
CARITHERS-WALLACE-COURTENAY, LLC
Form 5500
FILING_RECEIVED
CARITHERS WALLACE COURTENAY 401(K) RETIREMENT PLAN
401(k) retirement plan
Signals · 1
~77 bps in Sched C fees
Active participants
103
Accounts w/ balance
137
Plan assets (EOY)
$12.8M
Net assets (EOY)
$12.8M
How this plan invests
This plan
36 securities
funds · stocks · CUSIPs
Holdings are itemized directly on this plan's Schedule of Assets, below.
Plan health score (directional)
91
/ 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
100
Knocking points off
- 77 bps in Schedule C fees — 164% above peer band of 29 bps.
Decision-maker contacts
CFO / Head of HR / Benefits Manager — verified email + LinkedIn for CARITHERS-WALLACE-COURTENAY, LLC.
Plan sponsor
Name
CARITHERS-WALLACE-COURTENAY, LLC
EIN
58-2576531
Address
4343 NORTHEAST EXPRESSWAY · ATLANTA, GA · 30340
Phone
(770) 493-8200
Industry
Retail Tradesee 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
2025-09-24
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)
3H · Sponsor in controlled / affiliated group
Audit & trust (Schedule H)
Auditor
WINDHAM BRANNON
Trustee / custodian
—
Trustee phone
—
Service providers (Schedule C)
2 rowsRecordkeeper
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| TRANSAMERICA RETIREMENT SOLUTIONS | 13-3689044 | — | RECORDKEEPER | $69K | — |
Advisor / Consultant
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| BANK OF AMERICA NA | 13-5674085 | — | INVESTMENT ADVISORY | $29K | — |
Investments
33 direct securities· $12.8M(100% of reported assets)
| PI | Investment | Type | Shares / units | Cost | Current value | % of plan |
|---|---|---|---|---|---|---|
| Nuveen Lifecycle Index 2035 R6 | — | — | — | $2.4M | 18.7% | |
| Blackrock Liquidity T-Fund Premier | — | — | — | $1.3M | 10.4% | |
| T.Rowe T. Rowe Price Capital Appreciation | — | — | — | $1.1M | 8.9% | |
| Nuveen Lifecycle Index 2050 R6 | — | — | — | $807K | 6.3% | |
| American Funds Washington Mutual R6 | — | — | — | $795K | 6.2% | |
| Nuveen Lifecycle Index 2030 R6 | — | — | — | $752K | 5.9% | |
| Nuveen Lifecycle Index 2025 R6 | — | — | — | $657K | 5.1% | |
| TIAA-CREF Lifecycle Idx 2055 Instl | — | — | — | $549K | 4.3% | |
| American Funds New World R6 | — | — | — | $484K | 3.8% | |
| Nuveen Lifecycle Index 2045 R6 | — | — | — | $460K | 3.6% | |
| Ishares Msci Eafe International Index K | — | — | — | $425K | 3.3% | |
| American Funds Growth Fund Of Amer R6 | — | — | — | $395K | 3.1% | |
| Pgim Total Return Bond R6 | — | — | — | $356K | 2.8% | |
| Lord Abbett Short Duration Income R6 | — | — | — | $333K | 2.6% | |
| Ishares S&P 500 Index K | — | — | — | $313K | 2.4% | |
| American Funds Fundamental Invs R6 | — | — | — | $225K | 1.8% | |
| Nuveen Lifecycle Index 2015 R6 | — | — | — | $213K | 1.7% | |
| Nuveen Lifecycle Index 2040 R6 | — | — | — | $142K | 1.1% | |
| Pgim High Yield R6 | — | — | — | $137K | 1.1% | |
| Franklin Small Cap Value R6 | — | — | — | $134K | 1.0% | |
| Nuveen Lifecycle Index 2060 R6 | — | — | — | $134K | 1.0% | |
| Nuveen Lifecycle Index 2020 R6 | — | — | — | $126K | 1.0% | |
| Pimco International Bond (Usd Hedged) Instl | — | — | — | $122K | 0.9% | |
| Notes Receivable from Participants Various maturities with interest rates of 4.25% to 9.50% | — | — | — | $102K | 0.8% | |
| Columbia Small Cap Index Instl2 | — | — | — | $84K | 0.7% | |
| Franklin Small-Mid Cap Growth R6 | — | — | — | $67K | 0.5% | |
| Ishares Russell Mid Cap Index K | — | — | — | $47K | 0.4% | |
| Blackrock Inflation Protected Bond K | — | — | — | $38K | 0.3% | |
| Virtus Nfj Mid-Cap Value Instl | — | — | — | $21K | 0.2% | |
| Janus Henderson Triton N | — | — | — | $19K | 0.1% | |
| Nuveen Lifecycle Index 2065 R6 | — | — | — | $14K | 0.1% | |
| Nuveen Preferred Secs & Inc I | — | — | — | $8K | <0.1% | |
| Allspring Util And Telecomms Inst | — | — | — | $5K | <0.1% |