How big is Enstructure LLC's plan?

Enstructure LLC's plan reported $30.6M in assets and 1,438 participants for 2024.

Original filing (PDF)20251013120324NAL0000576947001

Enstructure LLC

Name: Enstructure LLC — Enstructure 401(k) Plan, Form 5500 (2024)
Creator: Enstructure LLC
License: https://www.usa.gov/government-works

Form 5500

FILING_RECEIVED

Enstructure 401(k) Plan

401(k) retirement plan · Enstructure LLC's Enstructure 401(k) Plan held $30.6M in plan assets for 1,438 participants in 2024, with Merrill (Bank of America) as recordkeeper.

Signals · 2

Late participant contributionsCorrective distributions issued

Active participants

1,438

Accounts w/ balance

974

Plan assets (EOY)

$30.6M

Net assets (EOY)

$30.6M

People on this filing

Sean P. McGrath signed Enstructure LLC's 2024 Form 5500 as plan administrator.

Sean P. McGrath — Plan Administrator — Form 5500 signer

Get verified email & phone for these signers

Signer names are public record from the Form 5500 e-signature.

Plan identifiers

Enstructure LLC's EIN is 81-3444562.

EIN 81-3444562

Plan number 001

Plan year 2024

ACK ID 20251013120324NAL0000576947001

Official Form 5500 document

Download the official 2024 Form 5500 (PDF) for Enstructure LLC from the U.S. Department of Labor's EFAST2 system.

Download the official 2024 Form 5500 (PDF)

Plan features

Enstructure LLC's plan includes profit-sharing, ERISA 404(c) participant direction, a 401(k) feature, a default investment (QDIA).

Decision-maker contacts

One unlock reveals every key decision-maker — plan signer, CFO, HR & Benefits — with verified email + LinkedIn for ENSTRUCTURE LLC.

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How this plan invests

This plan

41 securities

funds · stocks · CUSIPs

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

Plan health score

Above-average plan

Directional indicator from public Form 5500 data — compliance & integrity, total plan cost, participant health and vendor stack, benchmarked against same-size peers. Not a fiduciary tool.

Compliance & integrity

Total plan cost

Plan health

Vendor & structure

100

Knocking points off

Delinquent participant contributions reported (Schedule H 4a) — 38K (1% of contributions).
Corrective distributions issued (likely failed ADP/ACP testing).
Low account-holder ratio — balance-holders per active participant in the bottom quartile of peers (10th percentile).

Plan sponsor

Name

ENSTRUCTURE LLC

EIN

all filings

Address

16 LAUREL AVENUE, SUITE 300 · WELLESLEY, MA · 02481

Phone

(781) 591-3643

Industry

Transportation & Warehousing

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

2T · Default investment account (QDIA)

3B · Covers self-employed individuals

3D · Pre-approved plan (master / prototype / VS)

Service providers (Schedule C)

1 rows

Recordkeeper

Name	EIN	Location	Relation	Direct comp	Indirect comp
MERRILL LYNCH, PIERCE, FENNER AND S	13-5674085	—	RECORDKEEPER	$26K	—

Investments

41 direct securities· $33.1M(100% of reported assets)

Other securities

$14.4M

18 holdings

Mutual Funds

$10.6M

14 holdings

Cash / Money Market

$3.4M

4 holdings

Common Collective Trusts

$3.3M

4 holdings

Bonds / Notes

$1.3M

1 holding

					% of plan
Pimco Investment Grade Credit GM Mutual fund	Mutual Funds	—	—	$3.1M	10.2%
AB High Income Fund CL Z GM Mutual fund	Other securities	—	—	$3.0M	9.9%
Invesco Oppenheimer International Growth A GM Mutual fund	Mutual Funds	—	$2.4M	$2.0M	6.7%
iShares S&P 500 Index FD CL K Mutual fund	Common Collective Trusts	—	—	$2.0M	6.6%
MFS Growth Fund CL A GM Mutual fund	Mutual Funds	—	—	$2.0M	6.5%
Thornburg International R4 GM Mutual fund	Other securities	—	—	$1.9M	6.1%
Columbia Dividend Income GM Mutual fund	Other securities	—	—	$1.8M	5.9%
AB Large Cap Growth Fund A GM Mutual fund	Other securities	—	—	$1.8M	5.9%
Blackrock Fed Fund Premier CL Money market fund	Cash / Money Market	—	—	$1.5M	5.0%
BLACKROCK FEDFUND PREMIER CL MONEY MARKET	Cash / Money Market	—	$1.5M	$1.5M	5.0%
Notes receivable from participants Loans to participants with interest rates of 4.25% to 9.50%; maturing through 2034 -	Bonds / Notes	—	—	$1.3M	4.2%
ACCRUED INCOME ACCRUED INCOME 738 LOAN FUND LOANS	Other securities	—	$1.3M	$1.3M	4.2%
Janus Henderson Enterprise GM Mutual fund	Mutual Funds	—	—	$1.2M	3.9%
Lord Abbett Short Duration R6 GM Mutual fund	Mutual Funds	—	—	$1.1M	3.6%
Principal Midcap Fund CL R6 GM Mutual fund	Other securities	—	—	$948K	3.1%
AB Large Cap Growth Fund A Mutual fund	Other securities	—	—	$943K	3.1%
Carillon Eagle Mid Cap Growth GM Mutual fund	Other securities	—	—	$939K	3.1%
Janus Henderson Triton Fund A GM Mutual fund	Mutual Funds	—	—	$674K	2.2%
Eaton Vance Atlanta CPTLSMD GM Mutual fund	Other securities	—	—	$482K	1.6%
iShares Russell Mid Cap IDX K Mutual fund	Common Collective Trusts	—	—	$458K	1.5%
iShares MSCI Eafe Intrnl IDX K Mutual fund	Common Collective Trusts	—	—	$419K	1.4%
Columbia Dividend Income Mutual fund	Other securities	—	—	$404K	1.3%
iShares Russell 2000 SML-CP K Mutual fund	Common Collective Trusts	—	—	$388K	1.3%
Blackrock Fed Fund Premier GM Money market fund	Cash / Money Market	—	—	$361K	1.2%
iShares U.S. Aggregate BND K Mutual fund	Other securities	—	—	$306K	1.0%
Carillon Eagle Mid Cap Growth A Mutual fund	Other securities	—	—	$229K	0.7%
Invesco Oppenheimer International Growth A Mutual fund	Mutual Funds	—	—	$173K	0.6%
Thornburg International EQ R4 Mutual fund	Other securities	—	—	$116K	0.4%
Janus Henderson Triton Fund A Mutual fund	Mutual Funds	—	—	$85K	0.3%
Pimco InvestmentGrade Credit A Mutual fund	Mutual Funds	—	—	$76K	0.2%
MFS Growth Fund CL A Mutual fund	Mutual Funds	—	—	$74K	0.2%
Principal Midcap Fund CL R6 Mutual fund	Other securities	—	—	$71K	0.2%
Lord Abbett Short Duration R6 Mutual fund	Mutual Funds	—	—	$66K	0.2%
American New World Fund Mutual fund	Other securities	—	—	$64K	0.2%
AB High Income Fund CL Z Mutual fund	Other securities	—	—	$47K	0.2%
Janus Henderson Enterprise A Mutual fund	Mutual Funds	—	—	$46K	0.2%
AB HIGH INCOME FUND CL Z MUTUAL FUNDS	Other securities	—	$42K	$44K	0.1%
Nuveen Real Estate SEC CL A Mutual fund	Mutual Funds	—	—	$30K	<0.1%
BLF FEDFUND MONEY MARKET	Cash / Money Market	—	$4K	$4K	<0.1%
PENDING SETTLEMENT FUND PENDING SETTLEMENT FUNDS	Other securities	—	$2K	$2K	<0.1%
T Rowe Price All Cap Opprt Inv Mutual fund	Mutual Funds	—	$1K	$1K	<0.1%