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Original filing (PDF)20251010103803NAL0007962577001
CAFE RIO, INC.
Form 5500
FILING_RECEIVED
CAFE RIO, INC. 401(K) PLAN
401(k) retirement plan
Signals · 2
51% in single holdingNo recordkeeper disclosed
Active participants
3,377
Accounts w/ balance
810
Plan assets (EOY)
$16.7M
Net assets (EOY)
$16.7M
How this plan invests
This plan
15 securities
funds · stocks · CUSIPs
Holdings are itemized directly on this plan's Schedule of Assets, below.
Plan health score (directional)
79
/ 100
Grade B
Above-average plan
Directional indicator computed from public Form 5500 data — compliance, concentration, cost, vendor stack and participation. Not a fiduciary tool.
Compliance & disclosures
100
Concentration risk
75
Total plan cost
65
Vendor stack
80
Participation health
65
Knocking points off
- Top holding "Schwab Total Stock Market Index Mutual Funds" is 51% of plan.
- 67 bps in Schedule C fees — 132% above peer band of 29 bps.
- No recordkeeper disclosed on Schedule C.
- Only 24% 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 CAFE RIO, INC..
Plan sponsor
Name
CAFE RIO, INC.
EIN
84-1417768
Address
1245 E. BRICKYARD RD., · SUITE 600 · SALT LAKE CITY, UT · 84106
Phone
(801) 441-5000
Industry
Accommodation & Food Servicessee all
Plan administrator
Same as plan sponsor.
Plan characteristics
Plan number
002
Plan year
2024
Plan year begin
2024-01-01
Tax period
2024-12-31
Filed
2025-10-10
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)
3D · Pre-approved plan (master / prototype / VS)
2A · Age/service weighted or new comparability
Audit & trust (Schedule H)
Auditor
LARSON & COMPANY, PC
Trustee / custodian
—
Trustee phone
—
Service providers (Schedule C)
2 rowsOther
2| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| STANCORP FINANCIAL GROUP | 93-1253576 | — | NONE | $68K | — |
| GLOBAL RETIREMENT PARTNERS, LLC | 47-1411118 | — | NONE | $44K | — |
Investments
15 direct securities· $16.6M(100% of reported assets)
| PI | Investment | Type | Shares / units | Cost | Current value | % of plan |
|---|---|---|---|---|---|---|
| Schwab Total Stock Market Index Mutual Funds | — | — | — | $8.5M | 50.9% | |
| Vanguard Total Bond Market Index Mutual Funds | — | — | — | $3.0M | 18.0% | |
| Fidelity Inter Index Fund Mutual Funds | — | — | — | $2.5M | 14.9% | |
| in (b) Identity of issue, borrower, lessor, (e) Current Interest or similar party (c) Description of investment value * Standard Ins Co Stable Asset Fund D Guaranteed Contract | — | — | — | $1.9M | 11.2% | |
| Vanguard Emerging Mkts Stock Idx Mutual Funds | — | — | — | $302K | 1.8% | |
| Putnam Large Cap Growth Fd R6 Mutual Funds | — | — | — | $145K | 0.9% | |
| Vanguard Small Cap Index Adm Mutual Funds | — | — | — | $73K | 0.4% | |
| Prudential High-Yield Q Mutual Funds | — | — | — | $59K | 0.4% | |
| Mfs Value R6 Mutual Funds | — | — | — | $56K | 0.3% | |
| JPmorgan Mid Cap Growth R6 Mutual Funds | — | — | — | $35K | 0.2% | |
| Vanguard Small Cap Value Index Mutual Funds | — | — | — | $32K | 0.2% | |
| Vanguard Mid Cap Index Adm Mutual Funds | — | — | — | $26K | 0.2% | |
| American Funds New Perspective Mutual Funds | — | — | — | $21K | 0.1% | |
| Vanguard Small Cap Growth Index Mutual Funds | — | — | — | $11K | <0.1% | |
| American Funds American Balanced Mutual Funds | — | — | — | $10K | <0.1% |
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