Retirement plan

KEYSTONE LIME & COMPANIES 401(K) PLAN

Name: KEYSTONE LIME CO., INC. - KEYSTONE LIME & COMPANIES 401(K) PLAN (2022) 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 2022

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

Prospect flagsFailed to transmit contributionsCorrective distributions

How to read this page

Total assets (EOY)

$13M

-15.3% from 2021

Total participants

118

-2.5% from 2021

Average account balance

$119,461

-16.9% from 2021

Annual return

-15.15%

-26.88 pp from 2021

Benchmarks

See 801 peers

Peer group

Industry21 - Mining, Quarrying, and Oil and Gas Extraction

Plan typeDefined contribution

Participants25-99

Cohort801 peers

Snapshot2022

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

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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
KEYSTONE WEALTH ADVISORS INC1 year Filed as: KEYSTONE LIME COMPANY INC Service code 10 PO BOX 278 · SPRINGS, PA 15562	Accounting	$18,000
FIRST UNITED BANK & TRUST5 years Service code 27 PO BOX 557 · OAKLAND, MD 21550	Advisory (Plan)	$10,000
LEAFHOUSE FINANCIAL ADVISORS, LLC4 years Service code 99 6504 BRIDGE POINT PKWY · AUSTIN, TX 787305097	Other Fees	$6,909
M2B RETIREMENT CONSULTING LLC5 years Service code 13 · EIN 81-3989034 101 BRADFORD RD STE 200 · WEXFORD, PA 15090	Contract Administrator	$3,900
GREAT-WEST LIFE & ANNUITY INSURANCE1 year Filed as: EMPOWER ADVISORY GROUP, LLC Service code 28 8515 EAST ORCHARD ROAD · GREENWOOD VILLAGE, CO 80111	Investment Management	$2,853
ANCHOR CAPITAL ADVISORS LLC1 year Filed as: ANCHOR 316 FIDUCIARY SOLUTIONS Service code 99 101 BRADFORD RD STE 200 · WEXFORD, PA 15090	Other Fees	$2,781

Plan features & details

Pension benefit codes3H2E2J2K2F2G3D2T2S2A

Plan features

2A
Age/service weighted or new comparability plan
Age/service weighted plan where allocations are based on age service or age and service; or new comparability or similar plan where allocations are based on participant classifications consisting entirely or predominantly of highly compensated employees or the plan provides an additional allocation rate on compensation above a specified threshold that exceeds the permitted disparity limits of Code section 401(l).
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.
2S
Automatic enrollment
Plan provides for automatic enrollment in plan that has elective contributions deducted from payroll.
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

2 tripped

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

$263 / participant

Investment mgmt$25K100.0%

% of EOY assets

0.192%

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

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Metric

This plan

Peer set

Industry

Size

Avg account balance

$119,461

$76,912+55.3%

$129,110-7.5%

$68,494+74.4%

Participation rate

90.5%

69.1%+21.4pp

77.3%+13.3pp

67.9%+22.6pp

Annual return

-15.15%

-9.78%-5.4pp

-10.94%-4.2pp

-7.84%-7.3pp

Employer contribution / active EE

$2,161

$3,243-33.4%

$5,052-57.2%

$2,596-16.8%

Participant deferral / active EE

$3,956

$4,732-16.4%

$6,542-39.5%

$4,027-1.8%

Admin fee / account holder

$229

$6,638-96.6%

$14,302-98.4%

$5,403-95.8%

Provider

Service type

Compensation

KEYSTONE WEALTH ADVISORS INC1 year

Filed as: KEYSTONE LIME COMPANY INC

Service code 10

PO BOX 278 · SPRINGS, PA 15562

Accounting

$18,000

FIRST UNITED BANK & TRUST5 years

Service code 27

PO BOX 557 · OAKLAND, MD 21550

Advisory (Plan)

$10,000

LEAFHOUSE FINANCIAL ADVISORS, LLC4 years

Service code 99

6504 BRIDGE POINT PKWY · AUSTIN, TX 787305097

Other Fees

$6,909

M2B RETIREMENT CONSULTING LLC5 years

Service code 13 · EIN 81-3989034

101 BRADFORD RD STE 200 · WEXFORD, PA 15090

Contract Administrator

$3,900

GREAT-WEST LIFE & ANNUITY INSURANCE1 year

Filed as: EMPOWER ADVISORY GROUP, LLC

Service code 28

8515 EAST ORCHARD ROAD · GREENWOOD VILLAGE, CO 80111

Investment Management

$2,853

ANCHOR CAPITAL ADVISORS LLC1 year

Filed as: ANCHOR 316 FIDUCIARY SOLUTIONS

Service code 99

101 BRADFORD RD STE 200 · WEXFORD, PA 15090

Other Fees

$2,781

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