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Original filing (PDF)20250905131526NAL0017154993001
H.Y.B., INC. DBA HARPER'S
Form 5500
FILING_RECEIVED
H.Y.B., INC. DBA HARPER'S RETIREMENT PROGRAM
401(k) retirement plan
Signals · 1
~90 bps in Sched C fees
Active participants
470
Accounts w/ balance
354
Plan assets (EOY)
$10.8M
Net assets (EOY)
$10.8M
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)
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
- 90 bps in Schedule C fees — 209% above peer band of 29 bps.
Decision-maker contacts
CFO / Head of HR / Benefits Manager — verified email + LinkedIn for H.Y.B., INC. DBA HARPER'S.
Plan sponsor
Name
H.Y.B., INC. DBA HARPER'S
EIN
62-1105945
Address
9735 KINGSTON PIKE · KNOXVILLE, TN · 379223346
Phone
(865) 684-2945
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
2025-09-05
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)
3H · Sponsor in controlled / affiliated group
2K · 401(m) arrangement
2A · Age/service weighted or new comparability
2S · Automatic enrollment
Audit & trust (Schedule H)
Auditor
HENDERSON, HUTCHERSON & MCCULLOUGH
Trustee / custodian
—
Trustee phone
—
Service providers (Schedule C)
3 rowsRecordkeeper
2| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| TRANSAMERICA LIFE INSURANCE COMPANY | 13-3689044 | — | RECORDKEEPER | $48K | — |
| ERISA SERVICES, INC. | 62-1200951 | — | RECORDKEEPER | $20K | — |
Advisor / Consultant
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| RAYMOND JAMES FINANCIAL SERVICES IN | 59-1531281 | — | INVESTMENT ADVISORY -PLA | $28K | — |
Investments
29 direct securities · 1 pooled fund· $21.1M(100% of reported assets)
Rows tagged as a trust or pooled fund hold many underlying securities. Their holdings are itemized on each fund’s own Form 5500.
Pooled Separate Account
$10.6M
1 holding
Uncategorized
$10.5M
29 holdings
| PI | Investment | Type | Shares / units | Cost | Current value | % of plan |
|---|---|---|---|---|---|---|
| SEPARATE ACCOUNTS TRANSAMERICA LIFE INSURANCE CO. · EIN 39-0989781 / PN 000 | Pooled Separate Account | — | — | $10.6M | 98.1% | |
| BlackRock Lifepath Index 2030 K | — | — | — | $2.1M | 19.4% | |
| BlackRock Lifepath Index 2040 K | — | — | — | $1.1M | 10.1% | |
| BlackRock Lifepath Index 2045 K | — | — | — | $1.0M | 9.6% | |
| BlackRock Lifepath Index 2050 K | — | — | — | $832K | 7.7% | |
| BlackRock LifePath Index Retirement K | — | — | — | $712K | 6.6% | |
| BlackRock Lifepath Index 2055 K | — | — | — | $593K | 5.5% | |
| AB Large Cap Growth Z | — | — | — | $585K | 5.4% | |
| Fidelity 500 Index | — | — | — | $550K | 5.1% | |
| American Funds American Mutual R6 | — | — | — | $438K | 4.1% | |
| American Funds Bond Fund of America R6 | — | — | — | $306K | 2.8% | |
| BlackRock Lifepath Index 2060 K | — | — | — | $249K | 2.3% | |
| BlackRock Lifepath Index 2065 K | — | — | — | $211K | 2.0% | |
| American Funds Hi Income Tr R6 | — | — | — | $208K | 1.9% | |
| BlackRock Lifepath Index 2035 K | — | — | — | $189K | 1.8% | |
| Vanguard Small-Cap Value Index Admiral | — | — | — | $158K | 1.5% | |
| BlackRock Mid Cap Growth Equity K | — | — | — | $154K | 1.4% | |
| American Funds New World R6 | — | — | — | $133K | 1.2% | |
| Vanguard International Value | — | — | — | $133K | 1.2% | |
| JP Morgan U.S. Treasury Securities MM | — | — | — | $113K | 1.0% | |
| MFS Mid Cap Value R6 | — | — | — | $113K | 1.0% | |
| iShares MSCI Total International Index K | — | — | — | $107K | 1.0% | |
| Vanguard Small-Cap Index Admiral | — | — | — | $106K | 1.0% | |
| Fidelity Advisor Intl Small Cap Z | — | — | — | $95K | 0.9% | |
| Cohen & Steers Instl Realty Shares | — | — | — | $92K | 0.9% | |
| iShares Russell Mid Cap Index K | — | — | — | $87K | 0.8% | |
| BlackRock Total Return Instl | — | — | — | $71K | 0.7% | |
| Janus Henderson Venture Fund Class N | — | — | — | $61K | 0.6% | |
| PIMCO International Bond (USD Hedged) Instl | — | — | — | $34K | 0.3% | |
| Notes receivable from participants 4.25% -0- | — | — | — | $8K | <0.1% |