Retirement plan

CEMENTATION USA, INC. 401(K) PLAN

Name: CEMENTATION USA, INC. - CEMENTATION USA, INC. 401(K) PLAN (2024) Form 5500
Creator: CEMENTATION USA, INC.
License: https://www.dol.gov/general/disclaim
Keywords: Form 5500, ERISA, retirement plan, CEMENTATION USA, INC. 401(K) PLAN, CEMENTATION USA, INC.

CEMENTATION USA, INC.EIN 20-3542645Plan #001PY 2024

10150 SOUTH CENTENNIAL PARKWAY, SUITE 110 - SANDY, UT 84070801-937-4120LinkedIn201-500 employeesmining & metals

Prospect flagsHigh fees

How to read this page

Total assets (EOY)

$38.8M

+3.6% from 2023

Total participants

564

-13.5% from 2023

Average account balance

$77,895

+12.4% from 2023

Annual return

14.25%

-2.95 pp from 2023

Benchmarks

See 195 peers

Peer group

Industry21 - Mining, Quarrying, and Oil and Gas Extraction

Plan typeDefined contribution

Participants250-999

Cohort195 peers

Snapshot2024

See peer percentile detail. $4.99 for your first month.

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Analytics

Total assets (EOY)

Plan-year ending balance

$38.79M

Not enough data

1 years with asset history on file

Average account balance

Total assets / participants with a balance (line 6g)

$78K

Not enough data

1 years with per-participant data

Participants with account balance

Stacked by status: active / separated vested / retired or beneficiary. Total = line 6g.

498

Not enough data

1 years with headcount on file

Eligible Participants and Participation

Bars: eligible actives (line 6a). Line: derived rate = active employees with a balance / 6a.

82.7%

Not enough data

1 years with eligibility data

Contributions (total)

Employer and participant dollars contributed each year

$3.06M

Not enough data

1 years with contributions on file

Contributions per participant

Average employer and participant contribution per enrolled participant

$8K

Not enough data

1 years with per-participant contribution data

Asset flow

BOY + contributions + return - distributions = EOY

Year

Annual return

Diverging bars; negative years highlighted

+14.25%

Not enough data

1 years with return on file

Admin fee / account holder

Total admin expenses / participants with a balance (line 6g)

$476

Not enough data

1 years with admin cost on file

Asset composition

Cash / stocks / bonds / mutual funds / real estate / loans over time

Not enough data

1 years with F_SCH_H allocation on file

See the 10-year trajectory. $4.99 for your first month.

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Service providers

Top 6 by compensation

Provider	Service type	Compensation
GREAT-WEST LIFE & ANNUITY INSURANCE2 years Filed as: EMPOWER ANNUITY INS. CO. OF AMERICA Service code 64 8515 EAST ORCHARD ROAD · GREENWOOD VILLAGE, CO 80111	Recordkeeping Fees	$157,020
MORGAN STANLEY SMITH BARNEY2 years Filed as: MORGAN STANLEY SMITH BARNEY LLC Service code 55 1 NEW YORK PLA 12TH FL · NEW YORK, NY 10004	Other Commissions	$60,380
NATIONAL BENEFIT SERVICES, LLC10+ years Service code 13 430 W 7TH ST STE 219494 · KANSAS CITY, MO 641051407	Contract Administrator	$38,381
GREAT-WEST LIFE & ANNUITY INSURANCE2 years Filed as: EMPOWER ADVISOR GROUP, LLC Service code 28 8515 EAST ORCHARD ROAD · GREENWOOD VILLAGE, CO 80111	Investment Management	$33,983
3 38 INVESTMENT FIDUCIARIES INC2 years Service code 27 3355 COCHRAN ST. 101 · SIMI VALLEY, CA 93063	Advisory (Plan)	$19,082
MORGAN STANLEY SMITH BARNEY2 years Filed as: MORGAN STANLEY INSURANCE SERVICES I Service code 55 1 NEW YORK PLA 12TH FL · NEW YORK, NY 10004	Other Commissions	$4,106

Plan features & details

Pension benefit codes2E2F2G2J2K2T3D

Plan features

2E
Profit-sharing
Profit-sharing plan.
2F
ERISA section 404(c) plan
This plan or any part of it is intended to meet the conditions of 29 CFR 2550.404c-1 (shifting investment responsibility to participants).
2G
Total participant-directed account plan
Participants have the opportunity to direct the investment of all of the assets allocated to their individual accounts regardless of whether 29 CFR 2550.404c-1 is intended to be met.
2J
Code section 401(k) feature
Cash or deferred arrangement described in Code section 401(k) that is part of a qualified defined contribution plan under which employees may elect to defer part of their compensation or receive these amounts in cash.
2K
Code section 401(m) arrangement
Employee contributions are allocated to separate accounts under the plan or employer contributions are based in whole or in part on employee deferrals or contributions to the plan. Not applicable to 401(k) plans with only QNECs and/or QMACs or to 403(b)(1) 403(b)(7) or 408 arrangements.
2T
Default investment account
Total or partial participant-directed account plan where plan uses a default investment account for participants who fail to direct assets in their account.
3D
Pre-approved pension plan
A master prototype or volume submitter plan that is the subject of a favorable opinion or advisory letter from the IRS.

Opportunity flags

1 tripped

OpportunityHigh fees
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)

Expense breakdown

Schedule H Part II

Admin total

$237K

$622 / participant

Contract admin$237K100.0%

% of EOY assets

0.611%

all-in expense ratio

Categories reported

1 / 9

subdivided buckets used

Audit opinion

Schedule H Part III

Unqualified opinion

The auditor signed off without reservation. This is the cleanest opinion.

Auditor firm: RICHEY, MAY & CO., LLP
Auditor EIN: 710911120
Audit fees: (not subdivided)
Opinion code: Unqualified

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Metric

This plan

Peer set

Industry

Size

Avg account balance

$77,895

$96,486-19.3%

$153,432-49.2%

$77,671+0.3%

Participation rate

82.7%

81.6%+1.0pp

77.1%+5.6pp

70.6%+12.1pp

Annual return

14.25%

14.44%-0.2pp

15.66%-1.4pp

31.21%-17.0pp

Employer contribution / active EE

$2,780

$5,224-46.8%

$5,038-44.8%

$2,726+2.0%

Participant deferral / active EE

$5,250

$6,609-20.6%

$6,757-22.3%

$4,648+13.0%

Admin fee / account holder

$476

$182+160.7%

$12,725-96.3%

$430+10.5%

Provider

Service type

Compensation

GREAT-WEST LIFE & ANNUITY INSURANCE2 years

Filed as: EMPOWER ANNUITY INS. CO. OF AMERICA

Service code 64

8515 EAST ORCHARD ROAD · GREENWOOD VILLAGE, CO 80111

Recordkeeping Fees

$157,020

MORGAN STANLEY SMITH BARNEY2 years

Filed as: MORGAN STANLEY SMITH BARNEY LLC

Service code 55

1 NEW YORK PLA 12TH FL · NEW YORK, NY 10004

Other Commissions

$60,380

NATIONAL BENEFIT SERVICES, LLC10+ years

Service code 13

430 W 7TH ST STE 219494 · KANSAS CITY, MO 641051407

Contract Administrator

$38,381

GREAT-WEST LIFE & ANNUITY INSURANCE2 years

Filed as: EMPOWER ADVISOR GROUP, LLC

Service code 28

8515 EAST ORCHARD ROAD · GREENWOOD VILLAGE, CO 80111

Investment Management

$33,983

3 38 INVESTMENT FIDUCIARIES INC2 years

Service code 27

3355 COCHRAN ST. 101 · SIMI VALLEY, CA 93063

Advisory (Plan)

$19,082

MORGAN STANLEY SMITH BARNEY2 years

Filed as: MORGAN STANLEY INSURANCE SERVICES I

Service code 55

1 NEW YORK PLA 12TH FL · NEW YORK, NY 10004

Other Commissions

$4,106

CEMENTATION USA, INC. 401(K) PLAN

Summary metrics

Benchmarksi

Analytics

Service providersi

Plan features & details

Opportunity flagsi

Expense breakdowni

Audit opinioni

CEMENTATION USA, INC. 401(K) PLAN

Summary metrics

Benchmarksi

Analytics

Service providersi

Plan features & details

Opportunity flagsi

Expense breakdowni

Audit opinioni

Benchmarks

Service providers

Opportunity flags

Expense breakdown

Audit opinion

Benchmarks

Service providers

Opportunity flags

Expense breakdown

Audit opinion