You're welcome, Fantastic, I believe V-Gradac means Virovitica (Verocze in Hung.) County - Gradac, but you should check to see if that appears anywhere on the document, recommend post to the Croatian board also to read the ZBIRKA MATICNIH KNJIGA, which I think means Birth Record Book, I don't know Croatian.
The Virovitica County location would match with the previously posted Ist(e)van (Hung.) =(Stjepan) Bencsik residence in Croatia from the original EllisIsland.org manifest: Ladovjeci = correctly Sladojevci. Istevan Bencsik destination was b.i.l. Paul Gadancz in Milwaukee WI, also from Sladojevci, Virovitica County, Croatia:
PASSENGER RECORD First Name: Pavo Last Name: Gadanac Ethnicity: Hungary, Croatian Last Place of Residence: Sladajevce, Hungary Date of Arrival: Oct 02, 1909 Age at Arrival:23yGender:MMarital Status:M Ship of Travel: Pannonia Port of Departure: Fiume Manifest Line Number: 0011
Many things points to Istevan Bencsik who could be your Stephan Bencik, but still need verification on his wife to see if Marta is correct, could you get Stephan Bencik's children birth records?