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Original filing (PDF)20251006120334NAL0009210226001
BLACKBERRY FARM
Form 5500
FILING_RECEIVED
BLACKBERRY FARM 401K SAVINGS PLAN
401(k) retirement plan
Signals · 1
~79 bps in Sched C fees
Active participants
831
Accounts w/ balance
556
Plan assets (EOY)
$13.3M
Net assets (EOY)
$13.3M
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)
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
- 79 bps in Schedule C fees — 171% above peer band of 29 bps.
- 67% balance-to-active ratio — below typical for a healthy 401(k).
Decision-maker contacts
CFO / Head of HR / Benefits Manager — verified email + LinkedIn for BLACKBERRY FARM.
Plan sponsor
Name
BLACKBERRY FARM
EIN
90-0421055
Address
1471 WEST MILLERS COVE ROAD · WALLAND, TN · 37886
Phone
(865) 380-2269
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
2025-10-06
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)
2T · Default investment account (QDIA)
Audit & trust (Schedule H)
Auditor
LANIGAN & ASSOCIATES, PC
Trustee / custodian
—
Trustee phone
—
Service providers (Schedule C)
4 rowsRecordkeeper
2| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| EMPOWER ANNITY INSURANCE CO OF AM | — | GREENWOOD VILLAGE, CO | RECORDKEEPER | $54K | — |
| ERISA SERVICES, INC. | — | KNXOVILLE, TN | RECORDKEEPER | $24K | — |
Advisor / Consultant
2| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| RATHER & KITTRELL | 91-2046298 | — | INVESTMENT ADVISOR | $24K | — |
| EMPOWER ADVISORY GROUP, LLC | — | GREENWOOD VILLAGE, CO | INVEST ADVISOR | $4K | — |
Investments
30 direct securities· $12.9M(97% of reported assets)
| PI | Investment | Type | Shares / units | Cost | Current value | % of plan |
|---|---|---|---|---|---|---|
| Vanguard Target Retirement 2040 Inv 41,315.136 | — | — | — | $1.8M | 13.4% | |
| Vanguard Target Retirement 2060 Inv 26,669.287 | — | — | — | $1.4M | 10.2% | |
| Vanguard Target Retirement 2035 Inv 47,972.208 | — | — | — | $1.2M | 8.6% | |
| Vanguard Target Retirement 2050 Inv 20,075.909 | — | — | — | $1.0M | 7.5% | |
| Fidelity Large Cap Growth Index 23,760.909 | — | — | — | $931K | 7.0% | |
| Vanguard Target Retirement 2045 Inv 31,291.033 | — | — | — | $928K | 7.0% | |
| Vanguard Target Retirement 2055 Inv 15,525.356 | — | — | — | $863K | 6.5% | |
| Vanguard Value Index Adm 12,613.817 | — | — | — | $833K | 6.2% | |
| Vanguard 500 Index Admiral 1,262.090 | — | — | — | $685K | 5.1% | |
| Vanguard Target Retirement Income Inv 37,619.273 | — | — | — | $493K | 3.7% | |
| Vanguard Small Cap Index Adm 3,821.224 | — | — | — | $440K | 3.3% | |
| iShares MSCI EAFE International Index K 28,557.068 | — | — | — | $436K | 3.3% | |
| Vanguard Interm-Term Bond Index Adm 42,973.814 | — | — | — | $435K | 3.3% | |
| Vanguard Information Technology Idx Adm 740.302 | — | — | — | $236K | 1.8% | |
| Vanguard Mid Cap Index Fund - Admiral 576.763 | — | — | — | $189K | 1.4% | |
| Vanguard Target Retirement 2025 Inv 9,455.577 | — | — | — | $177K | 1.3% | |
| Vanguard Target Retirement 2030 Inv 4,492.629 | — | — | — | $170K | 1.3% | |
| Fidelity Emerging Markets Index 13,781.902 | — | — | — | $144K | 1.1% | |
| EI Fixed Account - Series Class III N/A | — | — | — | $125K | 0.9% | |
| Fidelity Inflation Protected Bond Index 10,427.078 | — | — | — | $93K | 0.7% | |
| DFA Intl Sustainability Core 1 6,777.927 | — | — | — | $85K | 0.6% | |
| Vanguard Real Estate Index Admiral 636.037 | — | — | — | $80K | 0.6% | |
| Vanguard Health Care Index Adm 512.220 | — | — | — | $65K | 0.5% | |
| Vanguard Short-Term Investment-Grade Adm 4,848.199 | — | — | — | $50K | 0.4% | |
| Participant Loans Interest Rate (ranging from 4.50-9.50%) N/A | — | — | — | $45K | 0.3% | |
| Vanguard Energy Index Adm 660.020 | — | — | — | $40K | 0.3% | |
| DFA U.S. Sustainability Core 1 773.142 | — | — | — | $35K | 0.3% | |
| Forfeitures N/A | — | — | — | $28K | 0.2% | |
| Vanguard Utilities Index Adm 254.295 | — | — | — | $21K | 0.2% | |
| Vanguard Target Retirement 2065 Inv 407.176 | — | — | — | $14K | 0.1% |