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Original filing (PDF)20251015130553NAL0009380338001
ELCOR OPERATING COMPANY, LLC
Form 5500
FILING_RECEIVED
ELCOR OPERATING COMPANY, LLC 401(K) PLAN
401(k) retirement plan
Signals · 2
47% in single holdingNo recordkeeper disclosed
Active participants
348
Accounts w/ balance
109
Plan assets (EOY)
$10.8M
Net assets (EOY)
$10.8M
How this plan invests
This plan
24 securities
funds · stocks · CUSIPs
Holdings are itemized directly on this plan's Schedule of Assets, below.
Plan health score (directional)
79
/ 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
76
Total plan cost
65
Vendor stack
80
Participation health
65
Knocking points off
- Top holding "AMERICAN FUNDS AMERICAN BALANCED R6 Mutual Fund" is 47% of plan.
- 44 bps in Schedule C fees — 52% above peer band of 29 bps.
- No recordkeeper disclosed on Schedule C.
- Only 31% 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 ELCOR OPERATING COMPANY, LLC.
Plan sponsor
Name
ELCOR OPERATING COMPANY, LLC
DBA
ELCOR NURSING AND REHABILITATION CENTER
EIN
26-4067569
Address
48 COLONIAL DRIVE · HORSEHEADS, NY · 148458532
Phone
(607) 739-0304
Industry
Health Care & Social Assistancesee 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
2025-10-15
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)
3D · Pre-approved plan (master / prototype / VS)
Audit & trust (Schedule H)
Auditor
THE BONADIO GROUP
Trustee / custodian
—
Trustee phone
—
Service providers (Schedule C)
4 rowsAdvisor / Consultant
2| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| MODERN WEALTH HOLDINGS, LLC | — | LENEXA, KS | INVESTMENT ADVISOR | $19K | — |
| LPL FINANCIAL | — | SAN DIEGO, CA | INVESTMENT ADVISOR | $13K | — |
TPA / Administrator
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| ENHANCED RETIREMENT SOLUTIONS | — | ROCHESTER, NY | THIRD PARTY ADMIN | $3K | — |
Other
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| ASCENSUS, LLC | 11-3665754 | DRESHER, PA | RECORD-KEEPER | $14K | — |
Investments
24 direct securities· $10.8M(100% of reported assets)
| PI | Investment | Type | Shares / units | Cost | Current value | % of plan |
|---|---|---|---|---|---|---|
| AMERICAN FUNDS AMERICAN BALANCED R6 Mutual Fund | — | — | — | $5.1M | 47.2% | |
| AMERICAN FUNDS TRGT DATE RET 2050 R6 Mutual Fund | — | — | — | $1.1M | 10.0% | |
| AMERICAN FUNDS TRGT DATE RET 2030 R6 Mutual Fund | — | — | — | $924K | 8.5% | |
| AMERICAN FUNDS TRGT DATE RET 2035 R6 Mutual Fund | — | — | — | $877K | 8.1% | |
| AMERICAN FUNDS TRGT DATE RET 2025 R6 Mutual Fund | — | — | — | $809K | 7.5% | |
| AMERICAN FUNDS TRGT DATE RET 2040 R6 Mutual Fund | — | — | — | $663K | 6.1% | |
| VANGUARD 500 INDEX ADM Mutual Fund | — | — | — | $457K | 4.2% | |
| VANGUARD LIFE STRATEGY GROWTH INV Mutual Fund | — | — | — | $203K | 1.9% | |
| AMERICAN FUNDS TRGT DATE RET 2015 R6 Mutual Fund | — | — | — | $203K | 1.9% | |
| VANGUARD FEDERAL MONEY MARKET INV Interest Bearing Cash | — | — | — | $110K | 1.0% | |
| AMERICAN FUNDS TRGT DATE RET 2045 R6 Mutual Fund | — | — | — | $102K | 0.9% | |
| T. ROWE PRICE DIVERSIFIED MD CP GRTH I Mutual Fund | — | — | — | $72K | 0.7% | |
| JPMORGAN LARGE CAP GROWTH R6 Mutual Fund | — | — | — | $46K | 0.4% | |
| VANGUARD SMALL-CAP INDEX ADM Mutual Fund | — | — | — | $41K | 0.4% | |
| VANGUARD MID CAP INDEX ADM Mutual Fund | — | — | — | $37K | 0.3% | |
| AMERICAN FUNDS TRGT DATE RET 2065 R6 Mutual Fund | — | — | — | $25K | 0.2% | |
| AMERICAN FUNDS TRGT DATE RET 2060 R6 Mutual Fund | — | — | — | $19K | 0.2% | |
| AMERICAN FUNDS TRGT DATE RET 2055 R6 Mutual Fund | — | — | — | $15K | 0.1% | |
| VANGUARD INFLATION-PROTECTED SEC ADM Mutual Fund | — | — | — | $9K | <0.1% | |
| AMERICAN FUNDS NEW WORLD R6 Mutual Fund | — | — | — | $8K | <0.1% | |
| COLUMBIA INCOME BUILDER I3 Mutual Fund | — | — | — | $8K | <0.1% | |
| VANGUARD MID-CAP VALUE INDEX ADM Mutual Fund | — | — | — | $6K | <0.1% | |
| VANGUARD TOTAL BOND MARKET INDEX ADM Mutual Fund | — | — | — | $1K | <0.1% | |
| BLACKROCK HIGH YIELD BOND K Mutual Fund | — | — | — | $1K | <0.1% |
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