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Original filing (PDF)20251008103047NAL0005699825001
RUBY TUESDAY OPERATIONS LLC
Form 5500
FILING_RECEIVED
RUBY TUESDAY SALARY DEFERRAL PLAN
401(k) retirement plan
Signals · 1
No recordkeeper disclosed
Active participants
3,570
Accounts w/ balance
516
Plan assets (EOY)
$23.6M
Net assets (EOY)
$23.6M
How this plan invests
This plan
1 pooled trust
Schedule D
29 securities
funds · stocks · CUSIPs
Holdings are itemized directly on this plan's Schedule of Assets, below.
Plan health score (directional)
84
/ 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
100
Total plan cost
65
Vendor stack
80
Participation health
65
Knocking points off
- 71 bps in Schedule C fees — 146% above peer band of 29 bps.
- No recordkeeper disclosed on Schedule C.
- Only 14% 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 RUBY TUESDAY OPERATIONS LLC.
Plan sponsor
Name
RUBY TUESDAY OPERATIONS LLC
EIN
86-1996189
Address
P.O. BOX 4069 · MARYVILLE, TN · 378024069
Phone
(865) 379-5965
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
2025-10-08
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)
Audit & trust (Schedule H)
Auditor
LBMC, PC
Trustee / custodian
—
Trustee phone
—
Service providers (Schedule C)
3 rowsAdvisor / Consultant
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| SAGEVIEW ADVISORY GROUP, LLC | 33-0818667 | — | INVESTMENT ADVISORY | $35K | — |
TPA / Administrator
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| PRINCIPAL LIFE INSURANCE COMPANY | 42-0127290 | — | CONTRACT ADMINISTRATOR | $118K | — |
Other
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| LBMC | 62-1199757 | — | OTHER SERVICES | $16K | — |
Investments
28 direct securities · 1 pooled fund· $23.6M(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.
Uncategorized
$22.2M
28 holdings
Common Collective Trust
$1.4M
1 holding
| PI | Investment | Type | Shares / units | Cost | Current value | % of plan |
|---|---|---|---|---|---|---|
| Fidelity Investments Fidelity 500 Index Fd | — | — | — | $4.5M | 18.8% | |
| Vanguard Group Vanguard Inst Target Rtmt 2040 I Fd | — | — | — | $2.6M | 11.1% | |
| American Funds AM Fd Growth Fd of Am R6 Fd | — | — | — | $2.1M | 8.7% | |
| Vanguard Group Vanguard Inst Target Rtmt 2030 I Fd | — | — | — | $1.9M | 8.2% | |
| American Funds AM Fd Cap Wld Gth and In R6 Fd | — | — | — | $1.5M | 6.5% | |
| MELLON STABLE VALUE FUND THE BANK OF NEW YORK MELLON · EIN 11-3152987 / PN 000 | Common Collective Trust | — | — | $1.4M | 6.0% | |
| Vanguard Group Vanguard Inst Target Rtmt 2050 I Fd | — | — | — | $1.4M | 5.8% | |
| American Century Investments Am Century Sml Cap Val R6 Fd | — | — | — | $1.2M | 5.0% | |
| PGIM Investments PGIM Total Ret Bond R6 Fd | — | — | — | $1.0M | 4.3% | |
| Victory Funds Victory Sycamore Est Val R6 Fd | — | — | — | $916K | 3.9% | |
| Vanguard Group Vanguard Inst Target Rtmt 2035 I Fd | — | — | — | $701K | 3.0% | |
| Eagle Financial Services, Inc. Carillon Eagle MidCaGwth R6 Fd | — | — | — | $550K | 2.3% | |
| MFS Investment Management MFS Value R6 | — | — | — | $535K | 2.3% | |
| T. Rowe Price Funds T. Rowe Price Overseas Stk I | — | — | — | $504K | 2.1% | |
| Vanguard Group Vanguard Inst Target Rtmt Inc I Fd | — | — | — | $451K | 1.9% | |
| Vanguard Group Vanguard Inst Target Rtmt 2045 I Fd | — | — | — | $370K | 1.6% | |
| Vanguard Group Vanguard Inst Target Rtmt 2025 I Fd | — | — | — | $318K | 1.3% | |
| Vanguard Group Vanguard Inst Target Rtmt 2055 I Fd | — | — | — | $314K | 1.3% | |
| Legg Mason ClearBridge SmCp Gr IS Fd | — | — | — | $281K | 1.2% | |
| Vanguard Group Vanguard Inst Target Rtmt 2020 I Fd | — | — | — | $248K | 1.0% | |
| through 2029 - | — | — | — | $203K | 0.9% | |
| Fidelity Investments Fidelity Extended Mkt Idx Fd | — | — | — | $189K | 0.8% | |
| Fidelity Investments Advisor Focused Emerging Mkt Fd | — | — | — | $164K | 0.7% | |
| Vanguard Group Vanguard Inst Target Rtmt 2060 I Fd | — | — | — | $140K | 0.6% | |
| Fidelity Investments Fidelity US Bond Index Fd | — | — | — | $48K | 0.2% | |
| Fidelity Investments Fidelity Total Int Idx Fd | — | — | — | $46K | 0.2% | |
| Vanguard Group Vanguard Inst Target Rtmt 2065 I Fd | — | — | — | $34K | 0.1% | |
| Vanguard Group Vanguard Treasury Money Mkt Fd | — | — | — | $6K | <0.1% | |
| (E) | — | — | $34K | $6K | <0.1% |