Retirement plan

ROBERTSON'S LTD. 401(K) PLAN

Name: ROBERTSON'S READY MIX, LTD. - ROBERTSON'S LTD. 401(K) PLAN (2024) Form 5500
Creator: ROBERTSON'S READY MIX, LTD.
License: https://www.dol.gov/general/disclaim
Keywords: Form 5500, ERISA, retirement plan, ROBERTSON'S LTD. 401(K) PLAN, ROBERTSON'S READY MIX, LTD.

ROBERTSON'S READY MIX, LTD.EIN 33-0491865Plan #002PY 2024

200 S. MAIN STREET, SUITE 200 - CORONA, CA 92882951-685-2200rrmca.comLinkedIn5001-10000 employeesconstruction

Prospect flagsLow returnsLow participationFailed to transmit contributions

Top hat statement on fileNQDC

Filed February 7, 2020

Plan administrator

Plan administrator name— Sign in and upgrade to view

200 S Main Street Ste 200

Corona, CA 92882

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Plans declared (1)

Robertson's NQDB Plan4 emp

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Total assets (EOY)

$121.3M

+9.7% from 2023

Total participants

2,192

+5.7% from 2023

Average account balance

$80,147

+10.6% from 2023

Annual return

9.12%

-2.22 pp from 2023

Benchmarks

See 423 peers

Peer group

Industry32 - Manufacturing

Plan typeDefined contribution

Participants1,000-4,999

Cohort423 peers

Snapshot2024

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Analytics

Total assets (EOY)

Plan-year ending balance

$121.26M

Not enough data

1 years with asset history on file

Average account balance

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

$80K

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.

1,513

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.

63.9%

Not enough data

1 years with eligibility data

Contributions (total)

Employer and participant dollars contributed each year

$11.41M

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

+9.12%

Not enough data

1 years with return on file

Admin fee / account holder

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

$230

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 5 by compensation

Provider	Service type	Compensation
PRINCIPAL LIFE INSURANCE COMPANY10+ years Service code 13 · EIN 42-0127290	Contract Administrator	$348,337
MORGAN STANLEY SMITH BARNEY7 years Filed as: MORGAN STANLEY GLOBAL BANKING OPERA Service code 27 · EIN 26-4310632 1 NEW YORK PLAZA, FLOOR 12 · NEW YORK, NY 100041901	Advisory (Plan)	$70,000
ACTUARIAL BENEFITS CORP8 years Filed as: ACTUARIAL BENEFITS CORPORATION Service code 13 · EIN 20-1054428 2790 SKYPARD DRIVE, SUITE 300 · TORRANCE, CA 90505	Contract Administrator	$45,351
WRIGHT FORD YOUNG & CO7 years Filed as: WRIGHT FORD YOUNG & CO. Service code 10	Accounting	$15,750
WRIGHT FORD YOUNG & CO7 years Filed as: WRIGHT FORD YOUNG Service code 10 · EIN 95-3288054 16140 SAND CANYON AVENUE · IRVINE, CA 92618	Accounting	$0

Plan features & details

Pension benefit codes2E2F2G2J2K3D2T

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

3 tripped

OpportunityLow participation
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
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).

Expense breakdown

Schedule H Part II

Admin total

$348K

$185 / participant

Contract admin$348K100.0%

% of EOY assets

0.287%

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: WRIGHT FORD YOUNG & CO.
Auditor EIN: 953288054
Audit fees: (not subdivided)
Opinion code: Unqualified

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Metric

This plan

Peer set

Industry

Size

Avg account balance

$80,147

$112,623-28.8%

$106,213-24.5%

$199,593-59.8%

Participation rate

63.9%

86.2%-22.3pp

75.3%-11.4pp

72.0%-8.1pp

Annual return

9.12%

15.57%-6.5pp

116.14%-107.0pp

34.25%-25.1pp

Employer contribution / active EE

$2,239

$4,575-51.1%

$3,171-29.4%

$3,034-26.2%

Participant deferral / active EE

$3,825

$6,659-42.6%

$5,016-23.7%

$5,087-24.8%

Admin fee / account holder

$230

$107+115.2%

$11,033-97.9%

$269-14.4%

Provider

Service type

Compensation

PRINCIPAL LIFE INSURANCE COMPANY10+ years

Service code 13 · EIN 42-0127290

Contract Administrator

$348,337

MORGAN STANLEY SMITH BARNEY7 years

Filed as: MORGAN STANLEY GLOBAL BANKING OPERA

Service code 27 · EIN 26-4310632

1 NEW YORK PLAZA, FLOOR 12 · NEW YORK, NY 100041901

Advisory (Plan)

$70,000

ACTUARIAL BENEFITS CORP8 years

Filed as: ACTUARIAL BENEFITS CORPORATION

Service code 13 · EIN 20-1054428

2790 SKYPARD DRIVE, SUITE 300 · TORRANCE, CA 90505

Contract Administrator

$45,351

WRIGHT FORD YOUNG & CO7 years

Filed as: WRIGHT FORD YOUNG & CO.

Service code 10

Accounting

$15,750

WRIGHT FORD YOUNG & CO7 years

Filed as: WRIGHT FORD YOUNG

Service code 10 · EIN 95-3288054

16140 SAND CANYON AVENUE · IRVINE, CA 92618

Accounting

ROBERTSON'S LTD. 401(K) PLAN

Top hat statement on fileNQDC

Plan administrator

Plans declared (1)

Summary metrics

Benchmarksi

Analytics

Service providersi

Plan features & details

Opportunity flagsi

Expense breakdowni

Audit opinioni

ROBERTSON'S LTD. 401(K) PLAN

Top hat statement on fileNQDC

Plan administrator

Plans declared (1)

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