Low Default Rate on ESOP Loans

The National Center for Employee Ownership (NCEO) recently analyzed 1,232 leveraged ESOP transactions at three large banks found 1.3% of ESOP companies in the sample defaulted on their loans in a way that imposed losses on their creditors for loans in effect between 2009 and 2013, or an annual rate of 0.2%. The defaults accounted for 1.5% of the total value of the ESOP loan portfolio for these companies during this period. The bank data were only available for defaults imposing losses; the data presented here do not include defaults that resulted in loan restructuring where the loans were ultimately repaid or were being paid on the new schedule.

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Colorado Energy Services ESOP

Summit, NJ: Pilot Hill Advisors LLC announced today that the shareholders of Payzone Directional Services, Inc. have sold a portion of their stock to the company's newly-formed Employee Stock Ownership Plan (ESOP). Terms of the transaction were not disclosed. Pilot Hill Advisors LLC provided financial consulting services to the company.

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Ohio Based A/E Firm Sponsors New ESOP

Summit, NJ: Pilot Hill Advisors is pleased to announce that ms consultants, inc. (www.msconsultants.com) recently completed a leveraged ESOP transaction whereby two senior shareholders tendered their shares to a newly-formed employee ownership trust. As a result of this transition, the ESOP has become a minority shareholder of the firm.

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House Passes Bill to Block SEC and DOL Fiduciary Regulations

As published in the National Center for Employee Ownership Employee Ownership Update, the U.S. House of Representatives passed a bill to block both the Securities and Exchange Commission and the Department of Labor from implementing new fiduciary rules for stockbrokers and other investment advisors. The SEC rules are being developed under the Dodd-Frank Act and are designed to ensure that brokers and certain other financial advisors are acting in their clients' interests, not their own. The DOL rules are not pursuant to any legislation but would require financial advisors to retirement plans to adhere to a much stricter set of fiduciary standards. The bill directs the SEC to conduct an additional study before issuing regulations and blocks the DOL from issuing its regulations until the SEC does.

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ESOPs Ourperform 401(k) Plans

The U.S. Department of Labor released data on retirement plans with 100 or more participants that shows ESOPs generally provided a greater aggregate rate of return than 401(k) plans. The average rate of return over the 15-year period from 1996 to 2010 was 6.9% for ESOPs, versus 5.8% for 401(k) plans. Both leveraged and non-leveraged ESOPs outperformed 401(k) plans, though leveraged plans had a higher average return . The report also found that:

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University of Maryland Professor Discusses Employee Ownership

In a New York Times Op-Ed piece, University of Maryland professor and policital scientist Gar Alperovitz discusses employee ownership in the context of the baby boom wave of privately-held businesses that will change hands in the next 16 years. Using the ESOP to secure a company's legacy, as well as utilize decades-old tax support, can make for a successful transition plan for the right companies. Click here to read this Op-Ed piece.

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Pharmachem Labs' ESOP Completes Partial Buyback of ESOP Stock

Summit, NJ: Pilot Hill Advisors LLC announced today that the Employee Stock Ownership Plan of Pharmachem Laboratories has sold half of its shares. The proceeds from the sale will be professionally managed by an independent investment adviser retained by the ESOP trustee. Funded entirely by Pharmachem, this benefit represents a multiple of annual pay for the ESOP participants, on average. The company elected to reduce the ESOP’s ownership as part of a long-term ownership transition plan and to provide diversification inside the ESOP Trust. The ESOP will retain its remaining interest in Pharmachem stock for the foreseeable future.

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FASB Rules on Valuation Disclosures

The Financial Accounting Standards Board (FASB) announced that it would "indefinitely defer certain disclosures about investments held by a nonpublic employee benefit plan in its plan sponsor's own nonpublic equity securities." FASB had originally proposed disclosures that would have required a description of the specific valuation methods used and the specific rates applied. The impact of this ruling would have been to make public otherwise private valuation information for non-public ESOP companies.

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Divesopedia ESOP Interview with Pilot Hill Advisors' Jim Higgins

Divestopedia contributor, Scott Yoder, recently interviewed Jim Higgins, co-founder of Pilot Hill Advisors, regarding "Everything You Ever Wanted to Know About ESOP." The program offers insights in to the fact and fiction of ESOP transactions and offers expert observations on valuation, structuring, financing, feasibility and transaction analysis. Click here to open the interview and watch a recording or read the transcript.

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Massachusetts Defense Contractor Becomes 100% ESOP

Summit, NJ: Pilot Hill Advisors LLC announced today that the shareholders of Cambridge, MA based Charles River Analytics, Inc. (www.cra.com) sold their outstanding stock to the company's newly-formed Employee Stock Ownership Plan (ESOP). Terms of the transaction were not disclosed. Pilot Hill Advisors LLC structured and negotiated the transaction on behalf of Charles River Analytics, Inc.

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Cincinnati Company Completes ESOP Transaction

Summit, NJ: Pilot Hill Advisors LLC announced today that The Brewer Company (www.thebrewerco.com) has sold a majority interest to its newly-formed Employee Stock Ownership Plan (ESOP). Terms of the transaction were not disclosed. Pilot Hill Advisors initiated, structured, arranged financing and negotiated the transaction on behalf of The Brewer Company.

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Queensgate Foodservice Joins Chef's Warehouse

RIDGEFIELD, Conn., Jan. 2, 2013 (GLOBE NEWSWIRE) -- The Chefs' Warehouse, Inc. (Nasdaq:CHEF), a premier distributor of specialty food products in the United States, today announced that it has acquired substantially all the assets of Queensgate Foodservice, located in Cincinnati, OH.Founded in 1999, Queensgate is a distributor stocking more than 8,000 items, including a full line of produce, fresh meats and poultry, dairy, dry grocery, and frozen foods. They currently serve some of the finest restaurants, caterers, hotels, country clubs, and other operators in Ohio, Kentucky, and Indiana.

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