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Original filing (PDF)20251001215128NAL0032558066001
ATS OPERATING, LLC
Form 5500
FILING_RECEIVED
AMERICA'S THRIFT STORE 401(K) RETIREMENT PLAN
401(k) retirement plan
Signals · 1
~144 bps in Sched C fees
Active participants
1,276
Accounts w/ balance
269
Plan assets (EOY)
$3.8M
Net assets (EOY)
$3.8M
How this plan invests
This plan
6 pooled trusts
Schedule D
20 securities
funds · stocks · CUSIPs
Holdings are itemized directly on this plan's Schedule of Assets, below.
Plan health score (directional)
86
/ 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
65
Knocking points off
- 144 bps in Schedule C fees — 176% above peer band of 52 bps.
- Only 21% 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 ATS OPERATING, LLC.
Plan sponsor
Name
ATS OPERATING, LLC
EIN
63-0889019
Address
1900 CRESTWOOD BLVD SUITE 302 · BIRMINGHAM, AL · 35210
Phone
(205) 421-1561
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
2025-10-01
Pension benefit codes
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)
3B · Covers self-employed individuals
3D · Pre-approved plan (master / prototype / VS)
Audit & trust (Schedule H)
Auditor
LANDMARK PLC, CPA
Trustee / custodian
—
Trustee phone
—
Service providers (Schedule C)
3 rowsRecordkeeper
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| EMPOWER ANNUITY INSURANCE COMPANY O | — | GREENWOOD VILLAGE, CO | RECORDKEEPER | $31K | — |
Advisor / Consultant
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| OSAIC WEALTH INC | — | JERSEY CITY, NJ | INVESTMENT ADVISOR | $17K | — |
Accountant / Auditor
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| LANDMARK PLC CERTIFIED PUBLIC ACCOU | — | FORT SMITH, AR | AUDITOR | $5K | — |
Investments
17 direct securities · 6 pooled funds· $3.8M(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.
Uncategorized
$3.7M
16 holdings
Common Collective Trust
$89K
6 holdings
Mutual Funds
$3K
1 holding
| PI | Investment | Type | Shares / units | Cost | Current value | % of plan |
|---|---|---|---|---|---|---|
| American Funds American Funds 2025 Target Date Retirement Fund N/A | — | — | — | $895K | 23.9% | |
| American Funds American Funds 2040 Target Date Retirement Fund N/A | — | — | — | $538K | 14.3% | |
| American Funds American Funds 2030 Target Date Retirement Fund N/A | — | — | — | $433K | 11.5% | |
| American Funds American Funds 2045 Target Date Retirement Fund N/A | — | — | — | $354K | 9.4% | |
| American Funds American Funds 2055 Target Date Retirement Fund N/A | — | — | — | $320K | 8.5% | |
| American Funds American Funds 2035 Target Date Retirement Fund N/A | — | — | — | $269K | 7.2% | |
| American Funds American Funds 2020 Target Date Retirement Fund N/A | — | — | — | $260K | 6.9% | |
| American Funds American Funds 2050 Target Date Retirement Fund N/A | — | — | — | $255K | 6.8% | |
| American Funds American Funds 2060 Target Date Retirement Fund N/A | — | — | — | $157K | 4.2% | |
| Fixed annuity * Great-West Life & Annuity Insurance Company Key Guaranteed Portfolio Fund N/A | — | — | — | $92K | 2.4% | |
| BLACKROCK EQUITY INDEX 1 GREAT GRAY · EIN 20-3802168 / PN 001 | Common Collective Trust | — | — | $37K | 1.0% | |
| PGIM Investments PGIM Global Total Return Z N/A 1 Pioneer Investments Pioneer Strategic Income Y N/A 204 Vanguard Extended Market Index Admiral N/A | — | — | — | $35K | 0.9% | |
| LARGE CAP GROWTH FUND IV FEE CLASS GREAT GRAY · EIN 38-7289851 / PN 001 | Common Collective Trust | — | — | $34K | 0.9% | |
| American Funds American Funds 2015 Target Date Retirement Fund N/A | — | — | — | $23K | 0.6% | |
| MID CAP GROWTH FUND FEE CLASS R1 GREAT GRAY · EIN 38-4126247 / PN 549 | Common Collective Trust | — | — | $17K | 0.4% | |
| Fidelity Investments Fidelity Small Cap Index N/A | — | — | — | $14K | 0.4% | |
| American Funds American Funds American Balanced R6 N/A | — | — | — | $8K | 0.2% | |
| Vanguard Small Cap Value Index Admiral N/A | — | — | — | $6K | 0.2% | |
| American Funds American Funds 2010 Target Date Retirement Fund N/A | Mutual Funds | — | — | $3K | <0.1% | |
| Janus Henderson Triton Fund Class N N/A 832 John Hancock John Hancock Bond Fund Class R6 N/A | — | — | — | $1K | <0.1% | |
| INTERNATIONAL EQUITY FUND FEE CLASS GREAT GRAY · EIN 38-4139853 / PN 000 | Common Collective Trust | — | — | $355 | <0.1% | |
| LARGE CAP VALUE FUND CLASS R1 GREAT GRAY · EIN 38-4065329 / PN 426 | Common Collective Trust | — | — | $41 | <0.1% | |
| LARGE CAP GROWTH FUND CLASS R1 GREAT GRAY · EIN 82-4435820 / PN 375 | Common Collective Trust | — | — | $0 | <0.1% |
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