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Original filing (PDF)20251015084355NAL0005703920002
EXPRESS WASH CONCEPTS, LLC
Form 5500
FILING_RECEIVED
EXPRESS WASH CONCEPTS 401(K) PLAN
401(k) retirement plan
Signals · 3
53% in single holding~110 bps in Sched C feesNo recordkeeper disclosed
Active participants
1,184
Accounts w/ balance
166
Plan assets (EOY)
$3.5M
Net assets (EOY)
$3.5M
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)
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
75
Total plan cost
65
Vendor stack
80
Participation health
65
Knocking points off
- Top holding "Vanguard 500 Index Fund Admiral Shares Mutual fund" is 53% of plan.
- 110 bps in Schedule C fees — 112% above peer band of 52 bps.
- No recordkeeper disclosed on Schedule C.
- Only 14% 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 EXPRESS WASH CONCEPTS, LLC.
Plan sponsor
Name
EXPRESS WASH CONCEPTS, LLC
EIN
82-5188901
Address
13375 NATIONAL RD SW SUITE D · ETNA, OH · 43068
Phone
(614) 751-9274
Industry
Other Services (ex. Public Admin)see 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
CLARK SCHAEFER HACKETT & CO
Trustee / custodian
—
Trustee phone
—
Service providers (Schedule C)
1 rowsOther
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| PARK NATIONAL BANK | 31-1198067 | — | NONE | $38K | — |
Investments
12 direct securities· $3.2M(94% of reported assets)
| PI | Investment | Type | Shares / units | Cost | Current value | % of plan |
|---|---|---|---|---|---|---|
| Vanguard 500 Index Fund Admiral Shares Mutual fund | — | — | — | $1.8M | 52.1% | |
| Vanguard Developed Markets Index Fund Admiral Mutual fund | — | — | — | $396K | 11.4% | |
| Vanguard Extended Market Index Fund Adm Shs Mutual fund | — | — | — | $254K | 7.4% | |
| Vanguard Short-Term Investment-Grade Fund Adm Mutual fund | — | — | — | $171K | 4.9% | |
| Vanguard Treasury Money Market Fund Inv Class Interest-bearing cash | — | — | — | $156K | 4.5% | |
| Vanguard Emerging Markets Stock Index Fd Adm Mutual fund | — | — | — | $79K | 2.3% | |
| Vanguard Small-Cap Value Index Admiral Shs Mutual fund | — | — | — | $78K | 2.2% | |
| Participant Notes Receivable Interest ranging from 8.5% to 9.5% - | — | — | — | $76K | 2.2% | |
| Vanguard High-Yield Corp Fund Admiral Shares Mutual fund | — | — | — | $64K | 1.8% | |
| Vanguard Total International Bond Indx Fd Adm Mutual fund | — | — | — | $59K | 1.7% | |
| Vanguard Ultra-Short-Term Bond Fund Admiral Mutual fund | — | — | — | $57K | 1.7% | |
| Vanguard Intermediate-Term Bond Index Adm Mutual fund | — | — | — | $57K | 1.6% |
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