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Original filing (PDF)20250617115658NAL0002845856001
BRANCH FINANCIAL, INC.
Form 5500
FILING_RECEIVED
BRANCH FINANCIAL 401(K) PLAN
401(k) retirement plan
Signals · 1
~102 bps in Sched C fees
Active participants
178
Accounts w/ balance
331
Plan assets (EOY)
$11.2M
Net assets (EOY)
$11.2M
How this plan invests
This plan
30 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
- 102 bps in Schedule C fees — 253% above peer band of 29 bps.
Decision-maker contacts
CFO / Head of HR / Benefits Manager — verified email + LinkedIn for BRANCH FINANCIAL, INC..
Plan sponsor
Name
BRANCH FINANCIAL, INC.
EIN
82-0628587
Address
PO BOX 68 · PORTSMOUTH, NH · 03802
Phone
(888) 228-3491
Industry
Insurance Agencies & Brokerages· Finance & Insurancesee 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
2025-06-17
Pension benefit codes
2E · Profit-sharing
2J · 401(k) feature
2K · 401(m) arrangement
2F · ERISA section 404(c)
2G · Total participant-directed accounts
3D · Pre-approved plan (master / prototype / VS)
2T · Default investment account (QDIA)
2S · Automatic enrollment
Audit & trust (Schedule H)
Auditor
BAS PARTNERS
Trustee / custodian
—
Trustee phone
—
Service providers (Schedule C)
4 rowsRecordkeeper
2| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| TRANSAMERICA RETIREMENT SOLUTIONS | 13-3689044 | — | RECORDKEEPER | $53K | — |
| CREATIVE RETIREMENT SYSTEMS, INC | 31-1299207 | — | RECORDKEEPER | $27K | — |
Advisor / Consultant
2| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| LPL FINANCIAL CORPORATION | 04-3046611 | — | INVESTMENT ADVISORY | $29K | — |
| LEAFHOUSE FINANCIAL ADVISORS, LLC | 26-4311657 | — | INVESTMENT ADVISORY | $5K | — |
Investments
30 direct securities· $11.2M(100% of reported assets)
| PI | Investment | Type | Shares / units | Cost | Current value | % of plan |
|---|---|---|---|---|---|---|
| Fidelity S&P Index | — | — | — | $1.6M | 14.4% | |
| Fidelity Freedom Index 2045 | — | — | — | $1.6M | 13.9% | |
| Fidelity Freedom Index 2055 | — | — | — | $1.5M | 13.4% | |
| Fidelity Freedom Index 2050 | — | — | — | $1.0M | 9.4% | |
| Fidelity Freedom Index 2060 | — | — | — | $943K | 8.4% | |
| Fidelity Freedom Index 2040 | — | — | — | $772K | 6.9% | |
| iShare MSCI EAFE Intl Index | — | — | — | $443K | 4.0% | |
| Vanguard Mid Cap Index Fund | — | — | — | $410K | 3.7% | |
| Vanguard Small Cap Index Fund | — | — | — | $402K | 3.6% | |
| Fidelity Freedom Index 2065 | — | — | — | $377K | 3.4% | |
| DFA US Vector Equity | — | — | — | $311K | 2.8% | |
| JP Morgan JP Morgan Cap Growth | — | — | — | $259K | 2.3% | |
| Fidelity Freedom Index 2035 | — | — | — | $183K | 1.6% | |
| Vanguard Interm Term Bond Fund | — | — | — | $175K | 1.6% | |
| Blackrock Intl. | — | — | — | $170K | 1.5% | |
| Fidelity Freedom Index 2030 | — | — | — | $145K | 1.3% | |
| Participants Loans 4.25% - 5.25% | — | — | — | $141K | 1.3% | |
| Vanguard Real Estate Index Fund | — | — | — | $119K | 1.1% | |
| Transamerica Stable Value | — | — | — | $116K | 1.0% | |
| PGIM High Yield | — | — | — | $95K | 0.9% | |
| Hartford Total Return | — | — | — | $83K | 0.7% | |
| Hartford Dividend and Growth | — | — | — | $78K | 0.7% | |
| Fidelity Freedom Index 2020 ** 57 Fidelity Freedom Index 2025 | — | — | — | $57K | 0.5% | |
| Blackrock Mid-Cap | — | — | — | $54K | 0.5% | |
| DFA Inflation Protected Securities | — | — | — | $30K | 0.3% | |
| Putnam Small Cap Growth | — | — | — | $29K | 0.3% | |
| American Funds Vanguard Real Estate | — | — | — | $26K | 0.2% | |
| American Century AC Small Cap | — | — | — | $22K | 0.2% | |
| Fidelity Freedom Index | — | — | — | $10K | <0.1% | |
| Fidelity Freedom Index 2010 ** 55 Fidelity Freedom Index 2015 | — | — | — | $4K | <0.1% |
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