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Original filing (PDF)20251013155337NAL0000788643001
ESSINTIAL ENTERPRISE SOLUTIONS, LLC
Form 5500
FILING_RECEIVED
ESSINTIAL ENTERPRISE SOLUTIONS 401K PLAN
401(k) retirement plan
Signals · 2
~90 bps in Sched C feesNo recordkeeper disclosed
Active participants
248
Accounts w/ balance
450
Plan assets (EOY)
$7.0M
Net assets (EOY)
$7.0M
How this plan invests
This plan
1 pooled trust
Schedule D
38 securities
funds · stocks · CUSIPs
Holdings are itemized directly on this plan's Schedule of Assets, below.
Plan health score (directional)
89
/ 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
65
Vendor stack
80
Participation health
100
Knocking points off
- 90 bps in Schedule C fees — 74% 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 ESSINTIAL ENTERPRISE SOLUTIONS, LLC.
Plan sponsor
Name
ESSINTIAL ENTERPRISE SOLUTIONS, LLC
EIN
26-4786683
Address
431 RAILROAD AVENUE · CAMPHILL, PA · 17011
Phone
(717) 610-3225
Industry
Management of Companies / Holdingssee 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
2025-10-13
Pension benefit codes
2E · Profit-sharing
2F · ERISA section 404(c)
2G · Total participant-directed accounts
2J · 401(k) feature
2K · 401(m) arrangement
2S · Automatic enrollment
2T · Default investment account (QDIA)
3B · Covers self-employed individuals
3D · Pre-approved plan (master / prototype / VS)
Audit & trust (Schedule H)
Auditor
FREEDMAN, GOLDBERG,CPA, P.C.
Trustee / custodian
—
Trustee phone
—
Service providers (Schedule C)
2 rowsAdvisor / Consultant
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| CREATIVE FINANCIAL GROUP | — | NEWTOWN SQUARE, PA | INVESTMENT ADVISOR | $26K | — |
TPA / Administrator
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| PROFESSIONAL CAPITAL SERVICES LLC | 23-3038464 | — | CONTRACT ADMINISTRATOR | $37K | — |
Investments
38 direct securities · 1 pooled fund· $7.0M(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
$6.9M
37 holdings
Mutual Funds
$71K
1 holding
Common Collective Trust
$0
1 holding
| PI | Investment | Type | Shares / units | Cost | Current value | % of plan |
|---|---|---|---|---|---|---|
| Vanguard Target Retirement 2025 Inv. | — | — | — | $1.3M | 18.1% | |
| Vanguard Target Retirement 2035 Inv. | — | — | — | $963K | 13.8% | |
| Vanguard Target Retirement 2040 Inv. | — | — | — | $923K | 13.2% | |
| Vanguard Target Retirement 2030 Inv. | — | — | — | $549K | 7.9% | |
| Vanguard Target Retirement 2045 Inv. | — | — | — | $490K | 7.0% | |
| Vanguard Target Retirement 2020 Inv. | — | — | — | $461K | 6.6% | |
| Vanguard Target Retirement 2050 Inv. | — | — | — | $319K | 4.6% | |
| Vanguard Target Retirement 2055 Inv. | — | — | — | $307K | 4.4% | |
| Money Market Funds Modern Bank Deposit Account | — | — | — | $277K | 4.0% | |
| Neuberger Bergman Mis Cap Growht FD R6 ** 315 PIMCO International Bond (USD Hedged) I ** 375 TIAA-CREF Large-Cap Growth Index Fund Instl. | — | — | — | $183K | 2.6% | |
| Vanguard 500 Index Admiral | — | — | — | $160K | 2.3% | |
| Fidelity Blue Chip Growth K6 | — | — | — | $153K | 2.2% | |
| Vanguard Target Retirement Income Inv. | — | — | — | $150K | 2.1% | |
| JPMorgan US Research Enhanced Equity R6 | — | — | — | $147K | 2.1% | |
| Vanguard Target Retirement 2060 Inv. | — | — | — | $134K | 1.9% | |
| Vanguard Mid-Cap Growth Index Admiral | — | — | — | $105K | 1.5% | |
| Vanguard Small Cap Growth Index Adm. | — | — | — | $83K | 1.2% | |
| Participant Loans Rates range from 5.25% to 10.50% -0- | — | — | — | $72K | 1.0% | |
| American Funds Investment Company of America R6 ** 269 American Funds New Perspective R6 | Mutual Funds | — | — | $71K | 1.0% | |
| Vanguard Mid Cap Index Adm. | — | — | — | $51K | 0.7% | |
| DFA Global Real Estate Securities Port. ** 816 Federated Hermes Institutional High Yield Bond Instl. | — | — | — | $19K | 0.3% | |
| Vanguard Value Index Adm. | — | — | — | $18K | 0.3% | |
| Vanguard Equity-Income Adm. | — | — | — | $16K | 0.2% | |
| Vanguard Small Cap Value Index Admiral ** 253 Vanguard Total Bond Market Index Adm. | — | — | — | $6K | <0.1% | |
| Vanguard International Value Inv. | — | — | — | $6K | <0.1% | |
| Vanguard LifeStrategy Growth Inv. | — | — | — | $5K | <0.1% | |
| Fidelity Small Cap Index Fund | — | — | — | $5K | <0.1% | |
| Vanguard Developed Markets Index Admiral | — | — | — | $4K | <0.1% | |
| Vanguard Inflation-Protected Securities Adm. | — | — | — | $4K | <0.1% | |
| Invesco Small Cap Value R6 | — | — | — | $3K | <0.1% | |
| Vanguard International Growth Adm. | — | — | — | $3K | <0.1% | |
| American Funds New World R6 | — | — | — | $3K | <0.1% | |
| Vanguard Emerging Markets Stock Index Admiral | — | — | — | $2K | <0.1% | |
| Vanguard Mid-Cap Value Inde Admiral | — | — | — | $2K | <0.1% | |
| Vanguard Wellesley Income Admiral | — | — | — | $2K | <0.1% | |
| Fidelity Low-Priced Stock | — | — | — | $2K | <0.1% | |
| Vanguard Short-Term Investment-Grade Adm. | — | — | — | $1K | <0.1% | |
| Vanguard Target Retirement 2065 Inv. | — | — | — | $1K | <0.1% | |
| WF STABLE FUND C WELLS FARGO BANK, N.A. · EIN 52-2250946 / PN 001 | Common Collective Trust | — | — | $0 | <0.1% |
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