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Original filing (PDF)20251013100807NAL0000992161001
EMPLOYMENT SOLUTIONS, INC.
Form 5500
FILING_RECEIVED
EMPLOYMENT SOLUTIONS, INC. 401(K) PLAN
401(k) retirement plan
Signals · 2
30% in single holdingNo recordkeeper disclosed
Active participants
283
Accounts w/ balance
116
Plan assets (EOY)
$4.1M
Net assets (EOY)
$4.1M
How this plan invests
This plan
13 securities
funds · stocks · CUSIPs
Holdings are itemized directly on this plan's Schedule of Assets, below.
Plan health score (directional)
84
/ 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
85
Total plan cost
75
Vendor stack
80
Participation health
65
Knocking points off
- Top holding "American Funds 2020 Target Date Fund R6 89,958 Shares" is 30% of plan.
- No recordkeeper disclosed on Schedule C.
- Only 41% as many balances as active participants — suggests many active employees aren't deferring.
Helping the score
- No Schedule C compensation disclosed — likely a small plan or unbundled.
Decision-maker contacts
CFO / Head of HR / Benefits Manager — verified email + LinkedIn for EMPLOYMENT SOLUTIONS, INC..
Plan sponsor
Name
EMPLOYMENT SOLUTIONS, INC.
EIN
61-1031382
Address
1084 WHIPPLE COURT · LEXINGTON, KY · 40511
Phone
(859) 253-2658
Industry
Admin Support & Waste Mgmtsee all
Plan administrator
Same as plan sponsor.
Plan characteristics
Plan number
003
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)
3D · Pre-approved plan (master / prototype / VS)
Audit & trust (Schedule H)
Auditor
RFH PLLC
Trustee / custodian
—
Trustee phone
—
Service providers (Schedule C)
No Schedule C providers reportedInvestments
13 direct securities· $4.1M(100% of reported assets)
Uncategorized
$4.1M
12 holdings
Mutual Funds
$10K
1 holding
| PI | Investment | Type | Shares / units | Cost | Current value | % of plan |
|---|---|---|---|---|---|---|
| American Funds 2020 Target Date Fund R6 89,958 Shares | — | — | — | $1.2M | 29.6% | |
| American Funds 2045 Target Date Fund R6 33,475 Shares | — | — | — | $710K | 17.3% | |
| American Funds 2035 Target Date Fund R6 30,061 Shares | — | — | — | $572K | 14.0% | |
| American Funds 2030 Target Date Fund R6 24,110 Shares | — | — | — | $417K | 10.2% | |
| American Funds 2050 Target Date Fund R6 12,925 Shares | — | — | — | $270K | 6.6% | |
| American Funds 2055 Target Date Fund R6 8,930 Shares | — | — | — | $236K | 5.8% | |
| American Funds 2040 Target Date Fund R6 10,198 Shares | — | — | — | $210K | 5.1% | |
| American Funds 2025 Target Date Fund R6 10,967 Shares | — | — | — | $167K | 4.1% | |
| American Funds 2015 Target Date Fund R6 12,396 Shares | — | — | — | $152K | 3.7% | |
| American Funds 2060 Target Date Fund R6 6,048 Shares | — | — | — | $108K | 2.6% | |
| American Funds 2065 Target Date Fund R6 1,277 Shares | — | — | — | $22K | 0.5% | |
| Participant loans Maturities ranging from January 2025 through September 2031; interest rates from 5.25% to 10.50% | — | — | — | $12K | 0.3% | |
| s * American Funds US Government Money Market R6 9,835 Shares | Mutual Funds | — | — | $10K | 0.2% |
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