Original filing (PDF)20251010082033NAL0012121280001

ESL FEDERAL CREDIT UNION

Name: ESL FEDERAL CREDIT UNION — ESL FEDERAL CREDIT UNION PENSION PLAN, Form 5500 (2024)
Creator: ESL FEDERAL CREDIT UNION

Form 5500

FILING_RECEIVED

ESL FEDERAL CREDIT UNION PENSION PLAN

Defined-benefit pension plan

Signals · 3

83% in single holding~1981 bps in Sched C fees6 service providers

Active participants

Accounts w/ balance

—

Plan assets (EOY)

$3.5M

Net assets (EOY)

$3.5M

How this plan invests

This plan

6 securities

funds · stocks · CUSIPs

Holdings are itemized directly on this plan's Schedule of Assets, below.

Plan health score (directional)

/ 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

Total plan cost

Vendor stack

Participation health

Decision-maker contacts

CFO / Head of HR / Benefits Manager — verified email + LinkedIn for ESL FEDERAL CREDIT UNION.

Plan sponsor

Name

ESL FEDERAL CREDIT UNION

EIN

16-1490324

Address

225 CHESTNUT STREET · ROCHESTER, NY · 146042424

Phone

(585) 336-1354

Industry

Finance & Insurancesee all

Plan administrator

Name

EMPLOYEE BENEFIT PLANS COMMITTEE

EIN

16-1490324

City

ROCHESTER, NY

Phone

(585) 336-1354

Plan characteristics

Plan number

002

Plan year

2024

Plan year begin

2024-01-01

Tax period

2024-12-31

Filed

2025-10-10

Pension benefit codes

1A · Pay-related DB formula

1C · Cash balance or similar hybrid DB

1I · Frozen plan — no new benefit accrual

Audit & trust (Schedule H)

Auditor

THE BONADIO GROUP

Trustee / custodian

—

Trustee phone

—

Service providers (Schedule C)

6 rows

Investment manager

Name	EIN	Location	Relation	Direct comp	Indirect comp
COBBLESTONE CAPITAL ADVISORS LLC	16-1543732	—	NONE	$46K	—

Accountant / Auditor

Name	EIN	Location	Relation	Direct comp	Indirect comp
PRICEWATERHOUSECOOPERS LLP	13-4008324	—	NONE	$122K	—

Investments

6 direct securities· $3.3M(95% of reported assets)

Other securities

$3.2M

4 holdings

U.S. Treasuries

$18K

1 holding

Common Stock

$15K

1 holding

					% of plan
Schwab Govt. Money FU Ultra	Other securities	—	$2.7M	$2.7M	79.3%
SQN Alternative Investment Fund IV L.P.	Other securities	—	$511K	$366K	10.6%
BCOF Sidecar 2015, L.P.	Other securities	—	$112K	$112K	3.2%
Versus Capital Multi-Manager Real Estate Income Fund	Other securities	—	$36K	$33K	0.9%
US Treasury Money Fund - Investor	U.S. Treasuries	—	$18K	$18K	0.5%
Breakwater Credit Opportunities Fund Cayman Ltd.	Common Stock	—	$30K	$15K	0.4%

1–6 of 6

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