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Original filing (PDF)20251014150729NAL0006569426001
CHARTER FOODS INC.
Form 5500
FILING_RECEIVED
CHARTER FOODS INC. 401(K) PLAN
401(k) retirement plan
Active participants
651
Accounts w/ balance
401
Plan assets (EOY)
$9.8M
Net assets (EOY)
$9.8M
How this plan invests
This plan
1 pooled trust
Schedule D
46 securities
funds · stocks · CUSIPs
Holdings are itemized directly on this plan's Schedule of Assets, below.
Plan health score (directional)
92
/ 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
80
Vendor stack
100
Participation health
80
Knocking points off
- 68 bps in Schedule C fees — modestly above peer band of 52 bps.
- 62% balance-to-active ratio — below typical for a healthy 401(k).
Decision-maker contacts
CFO / Head of HR / Benefits Manager — verified email + LinkedIn for CHARTER FOODS INC..
Plan sponsor
Name
CHARTER FOODS INC.
EIN
62-1742741
Address
1111 GATEWAY SERVICE PARK ROAD · MORRISTOWN, TN · 37813
Phone
(423) 587-0690
Industry
Accommodation & Food Servicessee 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
2025-10-14
Pension benefit codes
2A · Age/service weighted or new comparability
2E · Profit-sharing
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
COULTER & JUSTUS, P.C.
Trustee / custodian
—
Trustee phone
—
Service providers (Schedule C)
5 rowsRecordkeeper
3| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| ERISA SERVICES, INC. | 62-1200951 | — | RECORDKEEPER | $28K | — |
| NATIONWIDE LIFE INSURANCE COMPANY | 31-4156830 | — | RECORDKEEPER | $917 | — |
| NATIONWIDE | — | COLUMBUS, OH | RECORDKEEPER | $344 | — |
Advisor / Consultant
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| SILVER OAK SECURITIES, INC. | 36-3194849 | — | INVESTMENT ADVISORY - PL | $32K | — |
Other
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| IRON FIDUCIARY | 99-9552241 | — | FIDUCIARY | $5K | — |
Investments
46 direct securities · 1 pooled fund· $19.5M(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
$9.8M
1 holding
Uncategorized
$9.8M
46 holdings
| PI | Investment | Type | Shares / units | Cost | Current value | % of plan |
|---|---|---|---|---|---|---|
| SEPARATE ACCOUNT NATIONWIDE LIFE INSURANCE COMPANY · EIN 31-4156830 / PN 000 | Pooled Separate Account | — | — | $9.8M | 100.0% | |
| Putnam Large Cap Growth Fund | — | — | — | $1.6M | 16.1% | |
| Vanguard Windsor Fund | — | — | — | $1.3M | 12.8% | |
| DFA International Large Cap Growth Fund | — | — | — | $1.2M | 12.5% | |
| Vanguard Total Stock Market Index Fund | — | — | — | $1.2M | 12.4% | |
| Principal Mid Cap Fund | — | — | — | $690K | 7.1% | |
| JP Morgan US Large Cap Core Plus 210 *Nationwide Life Insurance Company Geneva Small Cap Growth Fund | — | — | — | $665K | 6.8% | |
| Cohen & Steers Real Estate Securities Fund | — | — | — | $521K | 5.3% | |
| Baird Core Plus Bond Fund | — | — | — | $452K | 4.6% | |
| BlackRock Strategic Income Opportunities Fund | — | — | — | $404K | 4.1% | |
| American Funds New World Fund | — | — | — | $393K | 4.0% | |
| Fidelity Inflation-Protected Bond Index Fund | — | — | — | $352K | 3.6% | |
| Nationwide Life Insurance Company Nationwide Fixed Select Option | — | — | — | $222K | 2.3% | |
| Federated Hermes Inst High Yield Bond Fund | — | — | — | $173K | 1.8% | |
| PIMCO International Bond Fund (US Dollar-Hedged) | — | — | — | $137K | 1.4% | |
| State Street Global Advisors Balanced Index Fund | — | — | — | $97K | 1.0% | |
| Vanguard Wellesley Fund | — | — | — | $49K | 0.5% | |
| Brown Advisory Sustainable Growth Fund | — | — | — | $40K | 0.4% | |
| Fidelity 500 Index Fund | — | — | — | $36K | 0.4% | |
| Vanguard GNMA Fund | — | — | — | $25K | 0.3% | |
| Rydex Design Nasdaq-100 2x Strategy Fund | — | — | — | $20K | 0.2% | |
| Fidelity Select Semiconductors Portfolio Fund | — | — | — | $20K | 0.2% | |
| Vanguard Energy Index Fund | — | — | — | $16K | 0.2% | |
| Fidelity Advisor Energy Fund | — | — | — | $16K | 0.2% | |
| Fidelity Select Construction and Housing Portfolio Fund | — | — | — | $15K | 0.2% | |
| Victory Sycamore Nasdaq 100 Index Fund | — | — | — | $15K | 0.1% | |
| AMG Managers Brandywine Blue Fund 576 Artisan International Value Fund | — | — | — | $14K | 0.1% | |
| Fidelity Advisor Equity Growth Fund 212 Fidelity Advisor Technology Fund | — | — | — | $14K | 0.1% | |
| Federated Hermes Short-Intermediate Total Return Bond Fund | — | — | — | $14K | 0.1% | |
| Fidelity Select Technology Fund | — | — | — | $13K | 0.1% | |
| Vanguard Info Tech Index Fund | — | — | — | $11K | 0.1% | |
| Vanguard 500 Index Fund | — | — | — | $11K | 0.1% | |
| Invesco Small Cap Value Fund | — | — | — | $10K | 0.1% | |
| Columbia Global Technology Growth Fund | — | — | — | $9K | <0.1% | |
| Fidelity Select Brokerage and Investment Management Po | — | — | — | $9K | <0.1% | |
| Nationwide Life Insurance Company Bailard Technology & Science Fund 382 Nuveen Lifecycle Index 2030 Fund | — | — | — | $8K | <0.1% | |
| Vanguard Mid Cap Index Fund | — | — | — | $8K | <0.1% | |
| Nuveen Lifecycle Index 2065 Fund | — | — | — | $7K | <0.1% | |
| Nuveen Lifecycle Index 2035 Fund 949 Nuveen Lifecycle Index 2040 Fund | — | — | — | $5K | <0.1% | |
| Nuveen Lifecycle Index 2055 Fund 213 Nuveen Lifecycle Index 2060 Fund | — | — | — | $5K | <0.1% | |
| Nuveen Lifecycle Index Retirement Income Fund | — | — | — | $3K | <0.1% | |
| Nuveen Lifecycle Index 2045 Fund | — | — | — | $2K | <0.1% | |
| AllianceBernstein Large Cap Growth Fund | — | — | — | $2K | <0.1% | |
| Federated Hermes Government Obligations Fund | — | — | — | $2K | <0.1% | |
| Victory Sycamore Established Value Fund | — | — | — | $2K | <0.1% | |
| Allspring Disciplined U.S. Core Fund | — | — | — | $2K | <0.1% | |
| Akre Focus Retail Fund | — | — | — | $1K | <0.1% |