Original filing (PDF)20251010110542NAL0004530291001

ECIGROUP

Name: ECIGROUP — ECIGROUP EMPLOYEE STOCK OWNERSHIP PLAN, Form 5500 (2024)
Creator: ECIGROUP

Form 5500

FILING_RECEIVED

ECIGROUP EMPLOYEE STOCK OWNERSHIP PLAN

Defined-contribution retirement plan

Signals · 4

71% in single holding71% employer stock~141 bps in Sched C feesNo recordkeeper disclosed

Active participants

167

Accounts w/ balance

258

Plan assets (EOY)

$5.8M

Net assets (EOY)

$5.6M

How this plan invests

This plan

9 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

100

Knocking points off

Top holding "eciGroup Common Stock" is 71% of plan.
71% of plan in employer / sponsor stock.
141 bps in Schedule C fees — 171% above peer band of 52 bps.
No recordkeeper disclosed on Schedule C.

Decision-maker contacts

CFO / Head of HR / Benefits Manager — verified email + LinkedIn for ECIGROUP.

Plan sponsor

Name

ECIGROUP

EIN

25-1677700

Address

124 WEST CHURCH STREET · DILLSBURG, PA · 17019

Phone

(717) 638-2000

Industry

Constructionsee all

Plan administrator

Same as plan sponsor.

Plan characteristics

Plan number

004

Plan year

2024

Plan year begin

2024-01-01

Tax period

2024-12-31

Filed

2025-10-10

Pension benefit codes

2P · Leveraged ESOP

2Q · S-corporation ESOP

Audit & trust (Schedule H)

Auditor

MARTIN M. SACKS & ASSOCIATES

Trustee / custodian

—

Trustee phone

—

Service providers (Schedule C)

4 rows

Other

Name	EIN	Location	Relation	Direct comp	Indirect comp
FOX ROTHSCHILD LLP	—	PITTSBURG, PA	NONE	$40K	—
CONRAD SIEGEL	23-1669823	HARRISBURG, PA	NONE	$22K	—
EDWARD D. JONES & CO., LP	—	MARYLAND HEIGHTS, MO	NONE	$13K	—
VALUE MANAGEMENT INC	—	JAMISON, PA	NONE	$8K	—

Investments

9 direct securities· $5.0M(86% of reported assets)

Investment	Type	Shares / units	Cost	Current value	% of plan
eciGroup Common Stock	—	—	$2.0M	$3.5M	60.6%
First Farmers Bank Certificate of Deposit and Trust 4.7%, Maturity 10/19/26	—	—	$248K	$252K	4.3%
PNC Bank, N.A. Certificate of Deposit 5.25%, Maturity 1/10/25	—	—	$243K	$243K	4.2%
J P Morgan Chase Certificate of Deposit Bank, N.A. 5.35%, Maturity 8/15/25	—	—	$236K	$236K	4.1%
Vanguard Growth Index Fund ETF Exchange-Traded Fund	—	—	$200K	$206K	3.5%
Vanguard Value Index Fund ETF Exchange-Traded Fund	—	—	$200K	$191K	3.3%
Morgan Stanley Bank, Certificate of Deposit N.A. 5.05%, Maturity 12/14/26	—	—	$175K	$178K	3.1%
U.S. Treasury Note U.S. Government Security 4.0%, Maturity 12/15/25	—	—	$135K	$135K	2.3%
Edward Jones Retirement Money Market Fund Money Market Fund	—	—	$18K	$18K	0.3%