Retirement plan

LUCK STONE CORPORATION 401(K) PLAN

Name: LUCK STONE CORPORATION - LUCK STONE CORPORATION 401(K) PLAN (2019) Form 5500
Creator: LUCK STONE CORPORATION
License: https://www.dol.gov/general/disclaim
Keywords: Form 5500, ERISA, retirement plan, LUCK STONE CORPORATION 401(K) PLAN, LUCK STONE CORPORATION

LUCK STONE CORPORATIONEIN 54-0630628Plan #002PY 2019

515 STONE MILL DRIVE - MANAKIN-SABOT, VA 23103804-784-6313luckstone.comLinkedIn501-1000 employeesmining & metals

Other plans on this EIN

1 filing

#001Retirement-$86.3M assets

Prospect flagsLow returnsHigh feesCorrective distributions

Top hat statement on fileNQDC

Filed March 6, 2005 (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)

$116.1M

-10.8% from 2017

Total participants

1,026

+2.8% from 2017

Average account balance

$114,811

-8.2% from 2017

Annual return

14.07%

-11.60 pp from 2017

Benchmarks

See 205 peers

Peer group

Industry21 - Mining, Quarrying, and Oil and Gas Extraction

Plan typeDefined contribution

Participants250-999

Cohort205 peers

Snapshot2019

Free accounts unlock saves, downloads, and 3-year history.

Analytics

Total assets (EOY)

Plan-year ending balance

$174.50M

Not enough data

1 years with asset history on file

Average account balance

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

$150K

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.

1,161

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.

99.4%

Not enough data

1 years with eligibility data

Contributions (total)

Employer and participant dollars contributed each year

$14.59M

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

+28.29%

Not enough data

1 years with return on file

Admin fee / account holder

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

$187

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
CHARLES SCHWAB & CO., INC.1 year Filed as: SCHWAB RETIREMENT PLAN SERVICES,INC Service code 15 · EIN 34-1479833	Recordkeeping	$342,281
MERCER1 year Filed as: MERCER INVESTMENT MANAGEMENT Service code 28 · EIN 30-0282430	Investment Management	$24,000
AON CONSULTING3 years Filed as: AON HEWITT INVESTMENT CONSULTI Service code 28 · EIN 36-3109431	Investment Management	$22,833
RSM US LLP4+ years Service code 10 · EIN 42-0714325	Accounting	$22,701
CHARLES SCHWAB & CO., INC.4+ years Filed as: CHARLES SCHWAB & CO. INC. AND AFFIL Service code 59	Shareholder Servicing	$0
CHARLES SCHWAB & CO., INC.4+ years Service code 59 · EIN 94-1737782	Shareholder Servicing	$0

Plan features & details

Pension benefit codes2E2F2G2J2K2S2T3D

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.
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.

Opportunity flags

3 tripped

OpportunityHigh fees
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
OpportunityLow returns
Annual investment return is in the bottom quintile of the peer cohort.
ComplianceCorrective distributions
Plan reported corrective distributions (failed ADP/ACP testing).

Expense breakdown

Schedule H Part II

Admin total

$412K

$492 / participant

Investment mgmt$35K8.5%
Other / not subdivided$377K91.5%

% of EOY assets

0.355%

all-in expense ratio

Categories reported

1 / 9

subdivided buckets used

Audit opinion

Schedule H Part III

Disclaimer opinion

Auditor declined to express an opinion - usually a 103(a)(3)(C) limited-scope election.

Auditor firm: RSM US LLP
Auditor EIN: 420714325
Audit fees: (not subdivided)
Opinion code: Disclaimer

Metric

This plan

Peer set

Industry

Size

Avg account balance

$114,811

$72,658+58.0%

$127,803-10.2%

$67,584+69.9%

Participation rate

98.2%

80.0%+18.2pp

79.0%+19.2pp

71.3%+26.9pp

Annual return

14.07%

26.49%-12.4pp

26.14%-12.1pp

378.59%-364.5pp

Employer contribution / active EE

$3,958

$3,988-0.8%

$4,576-13.5%

$2,148+84.3%

Participant deferral / active EE

$6,243

$5,383+16.0%

$6,023+3.6%

$3,540+76.4%

Admin fee / account holder

$407

$127+220.9%

$9,399-95.7%

$142+186.3%

Provider

Service type

Compensation

CHARLES SCHWAB & CO., INC.1 year

Filed as: SCHWAB RETIREMENT PLAN SERVICES,INC

Service code 15 · EIN 34-1479833

Recordkeeping

$342,281

MERCER1 year

Filed as: MERCER INVESTMENT MANAGEMENT

Service code 28 · EIN 30-0282430

Investment Management

$24,000

AON CONSULTING3 years

Filed as: AON HEWITT INVESTMENT CONSULTI

Service code 28 · EIN 36-3109431

Investment Management

$22,833

RSM US LLP4+ years

Service code 10 · EIN 42-0714325

Accounting

$22,701

CHARLES SCHWAB & CO., INC.4+ years

Filed as: CHARLES SCHWAB & CO. INC. AND AFFIL

Service code 59

Shareholder Servicing

CHARLES SCHWAB & CO., INC.4+ years

Service code 59 · EIN 94-1737782

Shareholder Servicing

LUCK STONE CORPORATION 401(K) PLAN

Top hat statement on fileNQDC

Summary metrics

Benchmarksi

Analytics

Service providersi

Plan features & details

Opportunity flagsi

Expense breakdowni

Audit opinioni

LUCK STONE CORPORATION 401(K) 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