Retirement plan

RAYONIER ADVANCED MATERIALS INC. INVESTMENT AND SA

Name: RAYONIER ADVANCED MATERIALS IN - RAYONIER ADVANCED MATERIALS INC. INVESTMENT AND SA (2020) Form 5500
Creator: RAYONIER ADVANCED MATERIALS IN
License: https://www.dol.gov/general/disclaim
Keywords: Form 5500, ERISA, retirement plan, RAYONIER ADVANCED MATERIALS INC. INVESTMENT AND SA, RAYONIER ADVANCED MATERIALS IN

RAYONIER ADVANCED MATERIALS INEIN 46-4559529Plan #031PY 2020

1301 RIVERPLACE BLVD., SUITE 2300 - JACKSONVILLE, FL 32207904-357-4600LinkedIn1-10 employees

Other plans on this EIN

3 filings

#001Retirement-$449.9M assets #033Retirement-$60.0M assets #034Retirement-$22.1M assets

Prospect flagsCorrective distributions

Top hat statement on fileNQDC

Filed October 27, 2014

Plan administrator

Plan administrator name— Sign in and upgrade to view

1301 Riverplace Blvd., Suite 2300

Jacksonville State: FL Zip Code: 32207

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Plans declared (2)

Rayonier Advanced Materials Inc Excess Benefit Plan75 emp
Rayonier Advanced Materials Inc Excess Savings and Deferred Compensation Plan45 emp

Total covered: 120 employees

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Total assets (EOY)

$120.8M

+10.4% from 2019

Total participants

622

+1.6% from 2019

Average account balance

$194,572

+8.2% from 2019

Annual return

13.06%

+1.40 pp from 2019

Benchmarks

See 1,160 peers

Peer group

Industry32 - Manufacturing

Plan typeDefined contribution

Participants250-999

Cohort1,160 peers

Snapshot2020

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

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Analytics

Total assets (EOY)

Plan-year ending balance

$123.61M

Not enough data

1 years with asset history on file

Average account balance

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

$205K

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.

603

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.

98.0%

Not enough data

1 years with eligibility data

Contributions (total)

Employer and participant dollars contributed each year

$6.90M

Not enough data

1 years with contributions on file

Contributions per participant

Average employer and participant contribution per enrolled participant

$15K

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

+15.13%

Not enough data

1 years with return on file

Admin fee / account holder

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

$257

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 10 of 15 by compensation

Provider	Service type	Compensation
NFP RETIREMENT INC1 year Filed as: NFP RETIREMENT, INC. Service code 27 · EIN 33-0905143	Advisory (Plan)	$31,492
ENNIS, PELLUM & ASSOCIATES1 year Filed as: ENNIS , PELLUM & ASSOCIATES, CPAS Service code 10 · EIN 59-1843700	Accounting	$24,500
FIDUCIARYFIRST LLC4 years Filed as: FIDUCIARYFIRST, LLC Service code 27 · EIN 20-5582309	Advisory (Plan)	$10,796
MASSACHUSETTS MUTUAL LIFE INS. CO.6+ years Service code 52 · EIN 04-1590850	Indirect Investment Fees	$8,935
AMERICAN CENTURY4 years Service code 52 · EIN 43-1646043	Indirect Investment Fees	$0
AMERICAN FUNDS4 years Service code 52 · EIN 95-1411037	Indirect Investment Fees	$0
FEDERATED4 years Service code 52 · EIN 25-1111467	Indirect Investment Fees	$0
FIDELITY INVESTMENTS INSTITUTIONAL3 years Filed as: FIDELITY INVESTMENTS Service code 52 · EIN 04-3365630	Indirect Investment Fees	$0
INVESCO4 years Service code 52 · EIN 93-6305075	Indirect Investment Fees	$0
LEGG MASON3 years Service code 52 · EIN 95-2705767	Indirect Investment Fees	$0

Plan features & details

Pension benefit codes2E2J2F2H2K3D3F3H2S2T

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).
2H
Partial participant-directed account plan
Participants have the opportunity to direct the investment of a portion 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.
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

1 tripped

ComplianceCorrective distributions
Plan reported corrective distributions (failed ADP/ACP testing).

Expense breakdown

Schedule H Part II

Admin total

$76K

$179 / participant

Investment mgmt$42K55.8%
Contract admin$9K11.8%
Other / not subdivided$25K32.4%

% of EOY assets

0.063%

all-in expense ratio

Categories reported

2 / 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: ENNIS , PELLUM & ASSOCIATES, CPAS
Auditor EIN: 591843700
Audit fees: (not subdivided)
Opinion code: Unqualified

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Metric

This plan

Peer set

Industry

Size

Avg account balance

$194,572

$85,135+128.5%

$98,907+96.7%

$73,409+165.1%

Participation rate

99.8%

81.1%+18.6pp

76.0%+23.7pp

72.2%+27.6pp

Annual return

13.06%

19.14%-6.1pp

196.43%-183.4pp

59.29%-46.2pp

Employer contribution / active EE

$5,166

$2,721+89.9%

$2,689+92.1%

$2,234+131.3%

Participant deferral / active EE

$9,434

$4,349+116.9%

$4,244+122.3%

$3,805+147.9%

Admin fee / account holder

$122

$139-12.4%

$6,642-98.2%

$158-22.8%

Provider

Service type

Compensation

NFP RETIREMENT INC1 year

Filed as: NFP RETIREMENT, INC.

Service code 27 · EIN 33-0905143

Advisory (Plan)

$31,492

ENNIS, PELLUM & ASSOCIATES1 year

Filed as: ENNIS , PELLUM & ASSOCIATES, CPAS

Service code 10 · EIN 59-1843700

Accounting

$24,500

FIDUCIARYFIRST LLC4 years

Filed as: FIDUCIARYFIRST, LLC

Service code 27 · EIN 20-5582309

Advisory (Plan)

$10,796

MASSACHUSETTS MUTUAL LIFE INS. CO.6+ years

Service code 52 · EIN 04-1590850

Indirect Investment Fees

$8,935

AMERICAN CENTURY4 years

Service code 52 · EIN 43-1646043

Indirect Investment Fees

AMERICAN FUNDS4 years

Service code 52 · EIN 95-1411037

Indirect Investment Fees

FEDERATED4 years

Service code 52 · EIN 25-1111467

Indirect Investment Fees

FIDELITY INVESTMENTS INSTITUTIONAL3 years

Filed as: FIDELITY INVESTMENTS

Service code 52 · EIN 04-3365630

Indirect Investment Fees

INVESCO4 years

Service code 52 · EIN 93-6305075

Indirect Investment Fees

LEGG MASON3 years

Service code 52 · EIN 95-2705767

Indirect Investment Fees

RAYONIER ADVANCED MATERIALS INC. INVESTMENT AND SA

Top hat statement on fileNQDC

Plan administrator

Plans declared (2)

Summary metrics

Benchmarksi

Analytics

Service providersi

Plan features & details

Opportunity flagsi

Expense breakdowni

Audit opinioni

RAYONIER ADVANCED MATERIALS INC. INVESTMENT AND SA

Top hat statement on fileNQDC

Plan administrator

Plans declared (2)

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