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Original filing (PDF)20251009155418NAL0006847457001
DENNY'S, INC.
Form 5500
FILING_RECEIVED
DENNY'S 401(K) PLAN
401(k) retirement plan
Active participants
2,883
Accounts w/ balance
1,213
Plan assets (EOY)
$89.8M
Net assets (EOY)
$89.7M
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)
95
/ 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
100
Vendor stack
100
Participation health
65
Knocking points off
- Only 42% 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 DENNY'S, INC..
Plan sponsor
Name
DENNY'S, INC.
EIN
95-2023160
Address
203 EAST MAIN STREET · SPARTANBURG, SC · 29319
Phone
(800) 859-2244
Industry
Accommodation & Food Servicessee all
Plan administrator
Same as plan sponsor.
Plan characteristics
Plan number
009
Plan year
2024
Plan year begin
2024-01-01
Tax period
2024-12-31
Filed
2025-10-09
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)
3H · Sponsor in controlled / affiliated group
3D · Pre-approved plan (master / prototype / VS)
Audit & trust (Schedule H)
Auditor
FORVIS MAZARS, LLP
Trustee / custodian
—
Trustee phone
—
Service providers (Schedule C)
3 rowsRecordkeeper
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| FIDELITY INVESTMENTS INSTITUTIONAL | 04-2647786 | — | RECORDKEEPER | $90K | — |
Advisor / Consultant
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| CAPTRUST | 26-0058143 | — | INVESTMENT ADVISOR | $33K | — |
Accountant / Auditor
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| FORVIS, LLP | 44-0160260 | — | ACCOUNTANT/AUDITOR | $16K | — |
Investments
29 direct securities · 1 pooled fund· $104.0M(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.
Uncategorized
$89.7M
29 holdings
Common Collective Trust
$14.4M
1 holding
| PI | Investment | Type | Shares / units | Cost | Current value | % of plan |
|---|---|---|---|---|---|---|
| Galliard Stable Return Fund C | — | — | $234K | $14.4M | 16.0% | |
| GALLIARD STBLE RTN C WELLS FARGO BANK, N.A. · EIN 52-2250946 / PN 001 | Common Collective Trust | — | — | $14.4M | 16.0% | |
| Vanguard Institutional Index Fund | — | — | $23K | $10.9M | 12.2% | |
| Vanguard Target Retirement 2035 | — | — | $289K | $6.9M | 7.7% | |
| Vanguard Target Retirement 2030 | — | — | $170K | $6.4M | 7.2% | |
| Vanguard Target Retirement 2025 | — | — | $331K | $6.2M | 6.9% | |
| Vanguard Small Cap Index | — | — | $51K | $5.9M | 6.6% | |
| Vanguard Target Retirement 2020 | — | — | $149K | $4.0M | 4.4% | |
| Vanguard Target Retirement 2040 | — | — | $89K | $3.8M | 4.3% | |
| Harbor Capital Appreciation | — | — | $34K | $3.8M | 4.3% | |
| Vanguard Target Retirement 2045 | — | — | $106K | $3.2M | 3.5% | |
| Vanguard Target Retirement 2050 | — | — | $60K | $3.0M | 3.3% | |
| Vanguard Equity Income | — | — | $32K | $2.8M | 3.1% | |
| Vanguard Total International Stock Index | — | — | $70K | $2.2M | 2.5% | |
| American Century Mid Cap Value Instl | — | — | $121K | $1.9M | 2.1% | |
| Vanguard Explorer Fund | — | — | $17K | $1.8M | 2.0% | |
| Vanguard Target Retirement Fund | — | — | $129K | $1.7M | 1.9% | |
| Vanguard Mid Cap Index | — | — | $5K | $1.5M | 1.7% | |
| Vanguard Target Retirement 2055 | — | — | $26K | $1.5M | 1.6% | |
| 2025 through 2031 | — | — | — | $1.1M | 1.2% | |
| MassMutual Select M/C Growth Equity II | — | — | $55K | $1.1M | 1.2% | |
| Vanguard Inflation Protected Securities | — | — | $46K | $1.0M | 1.1% | |
| Baird Core Plus Bond Fund | — | — | $89K | $887K | 1.0% | |
| Vanguard Target Retirement 2060 | — | — | $16K | $807K | 0.9% | |
| Victory Sycamore Small Company Opp | — | — | $17K | $779K | 0.9% | |
| American Funds Europacific Growth | — | — | $14K | $764K | 0.9% | |
| Vanguard Target Retirement 2065 | — | — | $18K | $618K | 0.7% | |
| Vanguard Target Retirement 2070 | — | — | $12K | $321K | 0.4% | |
| Vanguard Total Bond Market Index Admiral | — | — | $31K | $291K | 0.3% | |
| Cash and cash equivalents Vanguard Treasury Money Market | — | — | $127K | $127K | 0.1% |
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