Retirement plan

CSM CORPORATION 401(K) RETIREMENT PLAN

Name: CSM CORPORATION - CSM CORPORATION 401(K) RETIREMENT PLAN (2023) Form 5500
Creator: CSM CORPORATION
License: https://www.dol.gov/general/disclaim
Keywords: Form 5500, ERISA, retirement plan, CSM CORPORATION 401(K) RETIREMENT PLAN, CSM CORPORATION

CSM CORPORATIONEIN 41-1320338Plan #002PY 2023

500 WASHINGTON AVE., SUITE 3000 - MINNEAPOLIS, MN 554151151612-395-7000csmcorp.netLinkedIn1001-5000 employeesreal estate

Prospect flagsLow returnsLow participationFailed to transmit contributions

Top hat statement on fileNQDC

Filed January 8, 2001

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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How to read this page

Total assets (EOY)

$34.3M

+14.7% from 2022

Total participants

1,777

+9.7% from 2022

Average account balance

$51,851

+1.0% from 2022

Annual return

14.96%

+30.51 pp from 2022

Benchmarks

See 138 peers

Peer group

Industry53 - Real Estate and Rental and Leasing

Plan typeDefined contribution

Participants1,000-4,999

Cohort138 peers

Snapshot2023

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Analytics

Total assets (EOY)

Plan-year ending balance

$39.93M

Not enough data

1 years with asset history on file

Average account balance

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

$62K

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.

647

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.

27.5%

Not enough data

1 years with eligibility data

Contributions (total)

Employer and participant dollars contributed each year

$3.87M

Not enough data

1 years with contributions on file

Contributions per participant

Average employer and participant contribution per enrolled participant

$3K

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

+12.73%

Not enough data

1 years with return on file

Admin fee / account holder

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

$220

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
MILLIMAN, INC.9+ years Service code 15 · EIN 91-0675641	Recordkeeping	$85,817
SAGEVIEW ADVISORY GROUP, LLC7 years Filed as: SAGEVIEW ADVISORY GROUP Service code 27 · EIN 51-0492818	Advisory (Plan)	$33,000
CHARLES SCHWAB & CO., INC.4 years Filed as: CHARLES SCHWAB TRUST BANK Service code 19 · EIN 82-3967259	Securities Custodian	$8,313
CHARLES SCHWAB & CO., INC.9+ years Filed as: CHARLES SCHWAB & CO. INC. Service code 19 · EIN 94-1737782	Securities Custodian	$0
CHARLES SCHWAB & CO., INC.9+ years Service code 19	Securities Custodian	$0

Plan features & details

Pension benefit codes2E2F2G2J2K2T3D3H

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 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

$127K

$84 / participant

Recordkeeping$86K67.5%
Trustee / custodial$8K6.5%
Investment mgmt$33K26.0%

% of EOY assets

0.370%

all-in expense ratio

Categories reported

3 / 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: EISNERAMPER LLP
Auditor EIN: 871363769
Audit fees: (not subdivided)
Opinion code: Unqualified

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Metric

This plan

Peer set

Industry

Size

Avg account balance

$51,851

$50,574+2.5%

$169,368-69.4%

$80,160-35.3%

Participation rate

26.6%

67.8%-41.2pp

77.1%-50.5pp

72.9%-46.3pp

Annual return

14.96%

22.92%-8.0pp

405.60%-390.6pp

40.38%-25.4pp

Employer contribution / active EE

$726

$1,693-57.1%

$4,013-81.9%

$2,978-75.6%

Participant deferral / active EE

$1,501

$4,164-64.0%

$6,221-75.9%

$5,017-70.1%

Admin fee / account holder

$192

$107+79.9%

$9,003-97.9%

$145+32.5%

Provider

Service type

Compensation

MILLIMAN, INC.9+ years

Service code 15 · EIN 91-0675641

Recordkeeping

$85,817

SAGEVIEW ADVISORY GROUP, LLC7 years

Filed as: SAGEVIEW ADVISORY GROUP

Service code 27 · EIN 51-0492818

Advisory (Plan)

$33,000

CHARLES SCHWAB & CO., INC.4 years

Filed as: CHARLES SCHWAB TRUST BANK

Service code 19 · EIN 82-3967259

Securities Custodian

$8,313

CHARLES SCHWAB & CO., INC.9+ years

Filed as: CHARLES SCHWAB & CO. INC.

Service code 19 · EIN 94-1737782

Securities Custodian

CHARLES SCHWAB & CO., INC.9+ years

Service code 19

Securities Custodian

CSM CORPORATION 401(K) RETIREMENT PLAN

Top hat statement on fileNQDC

Summary metrics

Benchmarksi

Analytics

Service providersi

Plan features & details

Opportunity flagsi

Expense breakdowni

Audit opinioni

CSM CORPORATION 401(K) RETIREMENT 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