Retirement plan

KEYSTONE LIME & COMPANIES 401(K) PLAN

Name: KEYSTONE LIME CO., INC. - KEYSTONE LIME & COMPANIES 401(K) PLAN (2021) Form 5500
Creator: KEYSTONE LIME CO., INC.
License: https://www.dol.gov/general/disclaim
Keywords: Form 5500, ERISA, retirement plan, KEYSTONE LIME & COMPANIES 401(K) PLAN, KEYSTONE LIME CO., INC.

KEYSTONE LIME CO., INC.EIN 25-1146455Plan #002PY 2021

P.O. BOX 278 - SPRINGS, PA 15562814-662-2711LinkedIn1-10 employeesbanking

Prospect flagsLow returnsFailed to transmit contributionsCorrective distributions

How to read this page

Total assets (EOY)

$15.4M

+3.7% from 2020

Total participants

121

0.0% from 2020

Average account balance

$143,746

+3.7% from 2020

Annual return

11.73%

-1.72 pp from 2020

Benchmarks

See 265 peers

Peer group

Industry21 - Mining, Quarrying, and Oil and Gas Extraction

Plan typeDefined contribution

Participants100-249

Cohort265 peers

Snapshot2021

Free accounts unlock saves, downloads, and 3-year history.

Analytics

Total assets (EOY)

Plan-year ending balance

$13.97M

Not enough data

1 years with asset history on file

Average account balance

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

$129K

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.

108

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.

89.4%

Not enough data

1 years with eligibility data

Contributions (total)

Employer and participant dollars contributed each year

$585K

Not enough data

1 years with contributions on file

Contributions per participant

Average employer and participant contribution per enrolled participant

$6K

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)

$244

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

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Service providers

Top 6 by compensation

Provider	Service type	Compensation
FIRST UNITED BANK & TRUST4 years Service code 27 PO BOX 557 · OAKLAND, MD 21550	Advisory (Plan)	$10,000
BULOW HOTTLE & CO.4 years Service code 10 · EIN 25-1188995 950 E. MAIN STREET · SOMERSET, PA 15501	Accounting	$9,130
LEAFHOUSE FINANCIAL ADVISORS, LLC3 years Service code 27 6504 BRIDGE POINT PKWY · AUSTIN, TX 78730	Advisory (Plan)	$7,623
M2B RETIREMENT CONSULTING LLC4 years Service code 13 · EIN 81-3989034 101 BRADFORD RD, SUITE 200 · WEXFORD, PA 15090	Contract Administrator	$3,850
GREAT-WEST LIFE & ANNUITY INSURANCE2 years Filed as: ADVISED ASSETS GROUP, LLC Service code 28 8515 EAST ORCHARD ROAD · GREENWOOD VILLIAGE, CO 80111	Investment Management	$2,817
ANCHOR CAPITAL ADVISORS LLC4 years Filed as: ANCHOR 316 FIDUCIARY SOLUTIONS LLC Service code 99 101 BRADFORD RD., SUITE 200 · WEXFORD, PA 15090	Other Fees	$2,645

Plan features & details

Pension benefit codes3H2E2J2K2F2G3D2T

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.
3H
Controlled group member
Plan sponsor(s) is (are) a member(s) of a controlled group (Code sections 414(b) (c) or (m)).

Opportunity flags

3 tripped

OpportunityLow returns
Annual investment return is in the bottom quintile of the peer cohort.
ComplianceFailed to transmit contributions
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
ComplianceCorrective distributions
Plan reported corrective distributions (failed ADP/ACP testing).

Expense breakdown

Schedule H Part II

Admin total

$25K

$237 / participant

Investment mgmt$25K100.0%

% of EOY assets

0.164%

all-in expense ratio

Categories reported

1 / 9

subdivided buckets used

Audit opinion

Schedule H Part III

Unqualified opinion

Auditor signed off without reservation - the cleanest possible opinion.

Auditor firm: WESSEL & COMPANY
Auditor EIN: 251390233
Audit fees: (not subdivided)
Opinion code: Unqualified

Metric

This plan

Peer set

Industry

Size

Avg account balance

$143,746

$82,274+74.7%

$152,473-5.7%

$79,391+81.1%

Participation rate

86.8%

76.4%+10.4pp

78.2%+8.6pp

70.7%+16.1pp

Annual return

11.73%

7959.84%-7948.1pp

757.59%-745.9pp

116.88%-105.2pp

Employer contribution / active EE

$1,969

$3,613-45.5%

$4,326-54.5%

$2,428-18.9%

Participant deferral / active EE

$3,714

$4,969-25.2%

$5,817-36.2%

$4,046-8.2%

Admin fee / account holder

$235

$632-62.8%

$15,811-98.5%

$627-62.5%

Provider

Service type

Compensation

FIRST UNITED BANK & TRUST4 years

Service code 27

PO BOX 557 · OAKLAND, MD 21550

Advisory (Plan)

$10,000

BULOW HOTTLE & CO.4 years

Service code 10 · EIN 25-1188995

950 E. MAIN STREET · SOMERSET, PA 15501

Accounting

$9,130

LEAFHOUSE FINANCIAL ADVISORS, LLC3 years

Service code 27

6504 BRIDGE POINT PKWY · AUSTIN, TX 78730

Advisory (Plan)

$7,623

M2B RETIREMENT CONSULTING LLC4 years

Service code 13 · EIN 81-3989034

101 BRADFORD RD, SUITE 200 · WEXFORD, PA 15090

Contract Administrator

$3,850

GREAT-WEST LIFE & ANNUITY INSURANCE2 years

Filed as: ADVISED ASSETS GROUP, LLC

Service code 28

8515 EAST ORCHARD ROAD · GREENWOOD VILLIAGE, CO 80111

Investment Management

$2,817

ANCHOR CAPITAL ADVISORS LLC4 years

Filed as: ANCHOR 316 FIDUCIARY SOLUTIONS LLC

Service code 99

101 BRADFORD RD., SUITE 200 · WEXFORD, PA 15090

Other Fees

$2,645

KEYSTONE LIME & COMPANIES 401(K) PLAN

Summary metrics

Benchmarksi

Analytics

Service providersi

Plan features & details

Opportunity flagsi

Expense breakdowni

Audit opinioni

KEYSTONE LIME & COMPANIES 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