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Original filing (PDF)20250916160119NAL0005475234001
CERELIA USA BAKERY USA, INC
Form 5500
FILING_RECEIVED
CERELIA USA BAKERY, INC. 401(K) PLAN
401(k) retirement plan
Signals · 1
~122 bps in Sched C fees
Active participants
553
Accounts w/ balance
277
Plan assets (EOY)
$3.2M
Net assets (EOY)
$3.2M
How this plan invests
This plan
17 pooled trusts
Schedule D
34 securities
funds · stocks · CUSIPs
Holdings are itemized directly on this plan's Schedule of Assets, below.
Plan health score (directional)
88
/ 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
80
Knocking points off
- 122 bps in Schedule C fees — 134% above peer band of 52 bps.
- 50% balance-to-active ratio — below typical for a healthy 401(k).
Decision-maker contacts
CFO / Head of HR / Benefits Manager — verified email + LinkedIn for CERELIA USA BAKERY USA, INC.
Plan sponsor
Name
CERELIA USA BAKERY USA, INC
EIN
85-1100898
Address
7240 MOOREFIELD MEMORIAL HWY · LIBERTY, SC · 29657
Phone
(864) 546-4290
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
2025-09-16
Pension benefit codes
2E · Profit-sharing
2F · ERISA section 404(c)
2G · Total participant-directed accounts
2J · 401(k) feature
2K · 401(m) arrangement
3D · Pre-approved plan (master / prototype / VS)
Audit & trust (Schedule H)
Auditor
SMITH & HOWARD PC
Trustee / custodian
—
Trustee phone
—
Service providers (Schedule C)
3 rowsRecordkeeper
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| EMPOWER INSURANCE COMPANY OF AMERIC | — | GREENWOOD VILLAGE, CO | RECORDKEEPER | $26K | — |
Advisor / Consultant
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| ONE DIGITAL INVESTMENT ADVISORS LLC | — | DALLAS, TX | INVEST ADVISOR | $11K | — |
Other
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| EMPOWER ADVISORY GROUP LLC | — | GREENWOOD VILLAGE, CO | INVST MANAGEMENT | $2K | — |
Investments
17 direct securities · 17 pooled funds· $3.2M(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.
Common Collective Trust
$1.9M
17 holdings
Uncategorized
$1.2M
17 holdings
| PI | Investment | Type | Shares / units | Cost | Current value | % of plan |
|---|---|---|---|---|---|---|
| PUTNAM RETIREMENT ADVTG TRST 2040 X PUTNAM INVESTMENTS CIT · EIN 26-1384398 / PN 260 | Common Collective Trust | — | — | $545K | 17.2% | |
| Putnam Retirement Advantage Trst 2035 X | — | — | — | $323K | 10.2% | |
| SSGA S&P 500 INDEX NL SER N STATE STREET GLOBAL ADVISORS COLLECTIVE TRUST · EIN 90-0337987 / PN 306 | Common Collective Trust | — | — | $237K | 7.5% | |
| PUTNAM RETIREMENT ADV TRST 2045 X PUTNAM INVESTMENTS CIT · EIN 26-1208510 / PN 259 | Common Collective Trust | — | — | $230K | 7.2% | |
| PUTNAM RETIREMENT ADVE TRST 2055 X PUTNAM INVESTMENTS CIT · EIN 26-0787670 / PN 272 | Common Collective Trust | — | — | $224K | 7.1% | |
| PUTNAM RETIREMENT ADVANTAGE TRST 20 PUTNAM INVESTMENTS CIT · EIN 26-0788428 / PN 268 | Common Collective Trust | — | — | $217K | 6.8% | |
| PUTNAM RETIREMENT ADVGE TRST 2050 X PUTNAM INVESTMENTS CIT · EIN 26-0787670 / PN 258 | Common Collective Trust | — | — | $203K | 6.4% | |
| Empower Key Guaranteed Portfolio Fund | — | — | — | $141K | 4.4% | |
| Putnam Retirement Advantage Trst 2030 X | — | — | — | $101K | 3.2% | |
| Fidelity International Index | — | — | — | $98K | 3.1% | |
| Participant loans Interest rates ranging from 8.75% to 9.50% 0 | — | — | — | $90K | 2.8% | |
| Great Gray Large Cap Value Fund Class R1 | — | — | — | $88K | 2.8% | |
| IShares Russell Mid-Cap Index K | — | — | — | $88K | 2.8% | |
| CORE PLUS BOND FUND FEE CLASS R1 GREAT GRAY · EIN 38-4116854 / PN 515 | Common Collective Trust | — | — | $65K | 2.0% | |
| Great Gray Large Cap Growth Fund II Fee Class R1 | — | — | — | $61K | 1.9% | |
| JP Morgan Small Cap Growth R6 | — | — | — | $54K | 1.7% | |
| Fidelity Advisor Semiconductors Z | — | — | — | $52K | 1.6% | |
| T. Rowe Price U.S. Equity Research I | — | — | — | $50K | 1.6% | |
| PUTNAM RETIREMENT ADVGE TRST MAT X PUTNAM INVESTMENTS CIT · EIN 26-0788428 / PN 268 | Common Collective Trust | — | — | $49K | 1.6% | |
| PUTNAM RETIREMENT ADV TRST 2060 X PUTNAM INVESTMENTS CIT · EIN 27-3616920 / PN 273 | Common Collective Trust | — | — | $35K | 1.1% | |
| American Funds Inflation Linked Bd R6 | — | — | — | $31K | 1.0% | |
| INTERNATIONAL GROWTH FUND II R1 GREAT GRAY · EIN 38-4139842 / PN 000 | Common Collective Trust | — | — | $26K | 0.8% | |
| LARGE CAP GROWTH FUND IV FEE CLASS GREAT GRAY · EIN 38-7289851 / PN 001 | Common Collective Trust | — | — | $25K | 0.8% | |
| SSGA Russell Small Cap Index Fd Class S | — | — | — | $24K | 0.7% | |
| EMERGING MARKETS FUND II CL R1 GREAT GRAY · EIN 38-7304135 / PN 001 | Common Collective Trust | — | — | $21K | 0.7% | |
| LARGE CAP VALUE FUND II CL R1 GREAT GRAY · EIN 38-7264544 / PN 707 | Common Collective Trust | — | — | $18K | 0.6% | |
| PIMCO Income Instl | — | — | — | $17K | 0.5% | |
| MID CAP GROWTH FUND FEE CLASS R1 GREAT GRAY · EIN 38-4126247 / PN 549 | Common Collective Trust | — | — | $16K | 0.5% | |
| STATE STREET REIT INDEX NL C STATE STREET GLOBAL ADVISORS COLLECTIVE TRUSTS · EIN 90-0337987 / PN 229 | Common Collective Trust | — | — | $15K | 0.5% | |
| INTERNATIONAL STOCK R1 GREAY GRAY · EIN 82-2436292 / PN 342 | Common Collective Trust | — | — | $10K | 0.3% | |
| Blackrock High Yield Bond Portfolio K | — | — | — | $10K | 0.3% | |
| PGIM Global Real Estate R6 | — | — | — | $4K | 0.1% | |
| AB Global Bond Z | — | — | — | $3K | 0.1% | |
| SMALL CAP VALUE FUND II FEE CLASS R GREAT GRAY · EIN 38-4126250 / PN 000 | Common Collective Trust | — | — | $2K | <0.1% |