Retirement plan

AMCON, CEMSTONE AND TCC EMPLOYEE SAVINGS PLAN

Name: CEMSTONE PRODUCTS COMPANY - AMCON, CEMSTONE AND TCC EMPLOYEE SAVINGS PLAN (2018) Form 5500
Creator: CEMSTONE PRODUCTS COMPANY
License: https://www.dol.gov/general/disclaim
Keywords: Form 5500, ERISA, retirement plan, AMCON, CEMSTONE AND TCC EMPLOYEE SAVINGS PLAN, CEMSTONE PRODUCTS COMPANY

CEMSTONE PRODUCTS COMPANYEIN 41-0182850Plan #001PY 2018

2025 CENTRE POINTE BLVD, SUITE 300 - MENDOTA HEIGHTS, MN 55120651-688-9292LinkedIn1-10 employeesbuilding materials

Other plans on this EIN

1 filing

#003Retirement-$313K assets

Prospect flagsNo flags tripped

Top hat statement on fileNQDC

Filed September 3, 2008 (most recent of 2 filings on file)

This is a legacy paper filing. Plan administrator and contact details are recorded in the original filing, which has not been digitised into structured fields.

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Total assets (EOY)

$68.7M

-1.5% from 2017

Total participants

800

+5.8% from 2017

Average account balance

$95,645

-8.4% from 2017

Annual return

-2.19%

-18.00 pp from 2017

Benchmarks

See 1,154 peers

Peer group

Industry32 - Manufacturing

Plan typeDefined contribution

Participants250-999

Cohort1,154 peers

Snapshot2018

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

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Analytics

Total assets (EOY)

Plan-year ending balance

$145.35M

Not enough data

1 years with asset history on file

Average account balance

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

$103K

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.

1,412

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.

99.5%

Not enough data

1 years with eligibility data

Contributions (total)

Employer and participant dollars contributed each year

$9.85M

Not enough data

1 years with contributions on file

Contributions per participant

Average employer and participant contribution per enrolled participant

$9K

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

+15.42%

Not enough data

1 years with return on file

Admin fee / account holder

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

$201

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.

Solo adds 10-year history, peer benchmarks, provider and welfare analytics, saves, and exports. Then $34.99 a month.

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Service providers

Top 10 of 14 by compensation

Provider	Service type	Compensation
MIDWEST PENSION & PROFIT SHARING SE4+ years Service code 13 · EIN 41-1447816	Contract Administrator	$106,571
MASSACHUSSETTS MUTUAL LIFE INSURANC2 years Service code 49 · EIN 04-1590850	Other Services	$16,280
ALGER2 years Service code 52 · EIN 13-2665689	Indirect Investment Fees	$0
AMERICAN CENTURY2 years Service code 52 · EIN 43-1646043	Indirect Investment Fees	$0
AMERICAN FUNDS2 years Service code 52 · EIN 95-1411037	Indirect Investment Fees	$0
COLUMBIA2 years Service code 52 · EIN 94-1687665	Indirect Investment Fees	$0
ENVESTNET RETIREMENT SOLUTIONS, LLC2 years Filed as: ENVESTNET RETIREMENT SOLUTIONS LLC Service code 28 · EIN 61-1732930	Investment Management	$0
ENVESTNET RETIREMENT SOLUTIONS, LLC1 year Service code 28	Investment Management	$0
INVESCO2 years Service code 52 · EIN 13-2576643	Indirect Investment Fees	$0
MASSACHUSETTS MUTUAL LIFE INS. CO.4+ years Filed as: MASSACHUSETTS MUTUAL LIFE INSURANCE Service code 49	Other Services	$0

Plan features & details

Pension benefit codes2E2F2G2J2K2T3D3F3H

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.
3F
Leased employees
Plan sponsor(s) received services of leased employees as defined in Code section 414(n) during the plan year.
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

0 tripped

No flags tripped for this filing year. This plan looks clean.

Expense breakdown

Schedule H Part II

Admin total

$33K

$50 / participant

Other / not subdivided$33K100.0%

% of EOY assets

0.048%

all-in expense ratio

Categories reported

0 / 9

subdivided buckets used

Audit opinion

Schedule H Part III

Disclaimer opinion

The auditor declined to give an opinion. This is usually a 103(a)(3)(C) limited-scope election.

Auditor firm: REDPATH & COMPANY, LTD
Auditor EIN: 410975573
Audit fees: (not subdivided)
Opinion code: Disclaimer

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Metric

This plan

Peer set

Industry

Size

Avg account balance

$95,645

$65,223+46.6%

$80,019+19.5%

$55,725+71.6%

Participation rate

87.6%

80.6%+7.1pp

75.8%+11.8pp

70.9%+16.8pp

Annual return

-2.19%

7.59%-9.8pp

11.22%-13.4pp

244.93%-247.1pp

Employer contribution / active EE

$2,645

$2,544+4.0%

$2,468+7.2%

$2,078+27.3%

Participant deferral / active EE

$3,479

$3,881-10.4%

$3,686-5.6%

$3,356+3.7%

Admin fee / account holder

$46

$114-59.6%

$6,521-99.3%

$115-60.0%

Provider

Service type

Compensation

MIDWEST PENSION & PROFIT SHARING SE4+ years

Service code 13 · EIN 41-1447816

Contract Administrator

$106,571

MASSACHUSSETTS MUTUAL LIFE INSURANC2 years

Service code 49 · EIN 04-1590850

Other Services

$16,280

ALGER2 years

Service code 52 · EIN 13-2665689

Indirect Investment Fees

AMERICAN CENTURY2 years

Service code 52 · EIN 43-1646043

Indirect Investment Fees

AMERICAN FUNDS2 years

Service code 52 · EIN 95-1411037

Indirect Investment Fees

COLUMBIA2 years

Service code 52 · EIN 94-1687665

Indirect Investment Fees

ENVESTNET RETIREMENT SOLUTIONS, LLC2 years

Filed as: ENVESTNET RETIREMENT SOLUTIONS LLC

Service code 28 · EIN 61-1732930

Investment Management

ENVESTNET RETIREMENT SOLUTIONS, LLC1 year

Service code 28

Investment Management

INVESCO2 years

Service code 52 · EIN 13-2576643

Indirect Investment Fees

MASSACHUSETTS MUTUAL LIFE INS. CO.4+ years

Filed as: MASSACHUSETTS MUTUAL LIFE INSURANCE

Service code 49

Other Services

AMCON, CEMSTONE AND TCC EMPLOYEE SAVINGS PLAN

Top hat statement on fileNQDC

Summary metrics

Benchmarksi

Analytics

Service providersi

Plan features & details

Opportunity flagsi

Expense breakdowni

Audit opinioni

AMCON, CEMSTONE AND TCC EMPLOYEE SAVINGS PLAN

Top hat statement on fileNQDC

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