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Original filing (PDF)20251015081251NAL0002009331001
VISUAL GRAPHIC SYSTEMS, INC.
Form 5500
FILING_RECEIVED
VISUAL GRAPHIC SYSTEMS, INC. EMPLOYEE STOCK OWNERSHIP 401(K) PLAN
401(k) retirement plan
Signals · 1
36% employer stock
Active participants
82
Accounts w/ balance
138
Plan assets (EOY)
$15.4M
Net assets (EOY)
$15.4M
How this plan invests
This plan
5 pooled trusts
Schedule D
57 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
75
Total plan cost
100
Vendor stack
100
Participation health
100
Knocking points off
- 36% of plan in employer / sponsor stock.
Decision-maker contacts
CFO / Head of HR / Benefits Manager — verified email + LinkedIn for VISUAL GRAPHIC SYSTEMS, INC..
Plan sponsor
Name
VISUAL GRAPHIC SYSTEMS, INC.
EIN
13-3079017
Address
330 WASHINGTON AVENUE · CARLSTADT, NJ · 07072
Phone
(201) 528-2700
Industry
Engineering Services· Professional & Technical 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
2025-10-15
Pension benefit codes
2E · Profit-sharing
2J · 401(k) feature
2K · 401(m) arrangement
2I · Stock bonus
2O · ESOP (non-leveraged)
2T · Default investment account (QDIA)
2H · Partial participant-directed accounts
2Q · S-corporation ESOP
2F · ERISA section 404(c)
3I · Requires investment in employer securities
2G · Total participant-directed accounts
Audit & trust (Schedule H)
Auditor
PKF OCONNOR DAVIES LLP
Trustee / custodian
—
Trustee phone
—
Service providers (Schedule C)
3 rowsRecordkeeper
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| BPA INTERNAL | 16-1503696 | UTICA, NY | RECORDKEEPER | $25K | — |
TPA / Administrator
2| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| BPAS FIDUCIARY SERVICES | 16-1503696 | UTICA, NY | TPA | $8K | — |
| TRANSITION FINANCE STRATEGIES, BREA | 13-4238973 | CHARLOTTESVILLE, VA | PLAN ADMINISTRATOR | $0 | — |
Investments
57 direct securities · 5 pooled funds· $33.0M(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
$25.7M
51 holdings
Common Collective Trusts
$4.4M
2 holdings
Mutual Funds
$2.8M
2 holdings
Common Stocks
$134K
2 holdings
Common Collective Trust
$0
5 holdings
| PI | Investment | Type | Shares / units | Cost | Current value | % of plan |
|---|---|---|---|---|---|---|
| INVESTMENTS IN COMMON STOCK * Visual Graphic Systems Inc. Stock Common stock, 327,082 allocated shares | — | — | $145K | $7.3M | 47.2% | |
| INVESTMENTS IN COMMON STOCK * Visual Graphic Systems Inc. Stock Common stock, 332,038 allocated shares $ 147,400 | — | — | $147K | $4.5M | 29.1% | |
| S SHARES Ishares S&P 500 INDEX K | Mutual Funds | — | $3K | $2.3M | 14.9% | |
| S Goldman Sachs Stable Value CT | Common Collective Trusts | — | $1.7M | $2.2M | 14.5% | |
| S Goldman Sachs Stable Value CT | Common Collective Trusts | — | $1.4M | $2.1M | 13.7% | |
| HB&T Blackrock LC Eq Ind R | — | — | $91K | $1.7M | 11.2% | |
| interest | — | — | $31K | $1.5M | 10.0% | |
| AB US LG Cap Growth CIT P2 | — | — | $42K | $991K | 6.4% | |
| shares; collateral on ESOP loan to * Visual Graphic Systems Inc. Stock Visual Graphic Systems, Inc. - maturity 12/31/37, 3.04% interest | — | — | $29K | $871K | 5.7% | |
| AB US LG Cap Growth CIT P2 | — | — | $45K | $847K | 5.5% | |
| Principal Divers Int'l Inst'l | — | — | $38K | $505K | 3.3% | |
| Blackrock Lifepath Indx 2030 K | — | — | $27K | $468K | 3.0% | |
| S SHARES Principal Divers Int'l Inst'l | Mutual Funds | — | $35K | $460K | 3.0% | |
| Blackrock Lifepath Indx 2030 K | — | — | $28K | $457K | 3.0% | |
| Blackrock Lifepath Indx 2040 K | — | — | $24K | $454K | 2.9% | |
| Ishares Russell MD-CAP INDEX K | — | — | $28K | $417K | 2.7% | |
| Blackrock Lifepath Index Ret K | — | — | $29K | $404K | 2.6% | |
| Blackrock Lifepath Indx 2040 K | — | — | $19K | $384K | 2.5% | |
| Blackrock Lifepath Indx 2025 K | — | — | $26K | $381K | 2.5% | |
| HB&T Blackrock MC Eq Ind R | — | — | $22K | $349K | 2.3% | |
| Blackrock Lifepath Indx 2050 K | — | — | $15K | $347K | 2.2% | |
| Blackrock Lifepath Indx 2035 K | — | — | $18K | $321K | 2.1% | |
| Ishares Russell 2000 SC IDX K | — | — | $13K | $319K | 2.1% | |
| Blackrock Lifepath Indx 2035 K | — | — | $16K | $303K | 2.0% | |
| Blackrock Lifepath Indx 2050 K | — | — | $13K | $277K | 1.8% | |
| Macuarie Mid Cap Growth I | — | — | $8K | $248K | 1.6% | |
| Blackrock Lifepath Index Ret K | — | — | $18K | $236K | 1.5% | |
| Blackrock Lifepath Indx 2055 K | — | — | $8K | $204K | 1.3% | |
| HB&T Blackrock MSCI ACWI Exus Ind | — | — | $13K | $178K | 1.2% | |
| 9.5% with maturities through 2029 | — | — | — | $168K | 1.1% | |
| Blackrock Lifepath Indx 2045 K | — | — | $7K | $166K | 1.1% | |
| Blackrock Lifepath Indx 2055 K | — | — | $8K | $161K | 1.0% | |
| Delaware IVY Mid Cap Growth I | — | — | $5K | $145K | 0.9% | |
| Blackrock Lifepath Indx 2045 K | — | — | $7K | $136K | 0.9% | |
| Blackrock Lifepath Indx 2060 K | — | — | $6K | $132K | 0.9% | |
| maturities through 2028 | — | — | — | $123K | 0.8% | |
| Vanguard Equity Income Admiral 860 | — | — | — | $76K | 0.5% | |
| NB Small Cap Growth TR Fndrs | — | — | $7K | $74K | 0.5% | |
| Victory Sycamore Est Val R6 | — | — | $2K | $71K | 0.5% | |
| , 69,380 unallocated shares; | Common Stocks | — | — | $69K | 0.5% | |
| DFA Real Securities I | — | — | $2K | $69K | 0.4% | |
| , 64,425 unallocated | Common Stocks | — | — | $64K | 0.4% | |
| Victory Sycamore Est Val R6 | — | — | $1K | $64K | 0.4% | |
| Columbia High Yield Bond Inst | — | — | $5K | $59K | 0.4% | |
| Columbia High Yield Bond Adv | — | — | $5K | $55K | 0.4% | |
| Blackrock Lifepath Indx 2060 K | — | — | $3K | $53K | 0.3% | |
| Vanguard Equity Income Admiral 381 | — | — | — | $32K | 0.2% | |
| Blackrock Lifepath Index 2065 K | — | — | $2K | $32K | 0.2% | |
| De Ivy Syst Emg Mkts Eqty R6 | — | — | $2K | $30K | 0.2% | |
| HB&T Blackrock SC Eq Ind R | — | — | $2K | $23K | 0.1% | |
| DFA Real Securities I 544 | — | — | — | $21K | 0.1% | |
| PIMCO Rae Fund'tl US Sm | — | — | $1K | $13K | <0.1% | |
| American Funds Europacific R6 220 | — | — | — | $12K | <0.1% | |
| NB Small Cap Growth TR Fndrs 974 | — | — | — | $8K | <0.1% | |
| American Funds Europacific R6 91 | — | — | — | $5K | <0.1% | |
| PIMCO Rae Fund'tl US Sm 502 | — | — | — | $5K | <0.1% | |
| Blackrock Lifepath Index 2065 K 274 | — | — | — | $4K | <0.1% | |
| GOLDMAN SACHS STABLE VALUE GOLDMAN SACHS · EIN 13-4166989 / PN 025 | Common Collective Trust | — | — | $0 | <0.1% | |
| HB&T BLACKROCK LC EQ IND R HB&T BLACKROCK · EIN 74-1977743 / PN 202 | Common Collective Trust | — | — | $0 | <0.1% | |
| HB&T BLACKROCK MSCI ACWI EXUS IND HB&T BLACKROCK · EIN 74-1977743 / PN 197 | Common Collective Trust | — | — | $0 | <0.1% | |
| HB&T BLACKROCK SC EQ IND R HB&T BLACKROCK · EIN 74-1977743 / PN 201 | Common Collective Trust | — | — | $0 | <0.1% | |
| HB&T BLACKROCK MC EQ IND R HB&T BLACKROCK · EIN 74-1977743 / PN 198 | Common Collective Trust | — | — | $0 | <0.1% |
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