Retirement plan

PINE BLUFF SAND AND GRAVEL COMPANY RETIREMENT SAVINGS PLAN

Name: PINE BLUFF SAND AND GRAVEL COMPANY - PINE BLUFF SAND AND GRAVEL COMPANY RETIREMENT SAVINGS PLAN (2021) Form 5500
Creator: PINE BLUFF SAND AND GRAVEL COMPANY
License: https://www.dol.gov/general/disclaim
Keywords: Form 5500, ERISA, retirement plan, PINE BLUFF SAND AND GRAVEL COMPANY RETIREMENT SAVINGS PLAN, PINE BLUFF SAND AND GRAVEL COMPANY

PINE BLUFF SAND AND GRAVEL COMPANYEIN 71-0141800Plan #003PY 2021

P.O. BOX 7008 - PINE BLUFF, AR 716117008870-534-7120pbsgc.comLinkedIn501-1000 employeesconstruction

Prospect flagsLow returns

Top hat statement on fileNQDC

Filed November 17, 2021

Plan administrator

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1501 Heartwood Street

White Hall, AR 71602

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Plans declared (1)

Plan name not on file2 emp

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Total assets (EOY)

$91.7M

+10.3% from 2020

Total participants

743

+1.4% from 2020

Average account balance

$123,472

+8.8% from 2020

Annual return

10.19%

-0.52 pp from 2020

Benchmarks

See 1,300 peers

Peer group

Industry23 - Construction

Plan typeDefined contribution

Participants250-999

Cohort1,300 peers

Snapshot2021

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

Analytics

Total assets (EOY)

Plan-year ending balance

$101.73M

Not enough data

1 years with asset history on file

Average account balance

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

$133K

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.

767

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.

98.1%

Not enough data

1 years with eligibility data

Contributions (total)

Employer and participant dollars contributed each year

$7.87M

Not enough data

1 years with contributions on file

Contributions per participant

Average employer and participant contribution per enrolled participant

$17K

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

+11.19%

Not enough data

1 years with return on file

Admin fee / account holder

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

$141

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 4 by compensation

Provider	Service type	Compensation
MORNINGSTAR7+ years Service code 27 · EIN 36-3297908 P.O. BOX 990067 · HARTFORD, CT 061990067	Advisory (Plan)	$34,698
VOYA RETIREMENT INSURANCE & ANNUITY2 years Filed as: VOYA RETIREMENT INS. & ANNUITY CO. Service code 27	Advisory (Plan)	$34,698
MORNINGSTAR2 years Filed as: MORNINGSTAR INVESTMENT MANAGEMENT Service code 26 · EIN 36-4317381 P.O. BOX 990067 · HARTFORD, CT 061990067	Advisory (Participants)	$8,356
VOYA RETIREMENT INSURANCE & ANNUITY1 year Filed as: VOYA RETIRMENT INS. & ANNUITY CO. Service code 26 · EIN 71-0294708 P.O. BOX 990067 · HARTFORD, CT 061990067	Advisory (Participants)	$0

Plan features & details

Pension benefit codes2E2G2J2K

Plan features

2E
Profit-sharing
Profit-sharing plan.
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.

Opportunity flags

1 tripped

OpportunityLow returns
Annual investment return is in the bottom quintile of the peer cohort.

Expense breakdown

Schedule H Part II

Admin total

$24K

$58 / participant

Other / not subdivided$24K100.0%

% of EOY assets

0.027%

all-in expense ratio

Categories reported

0 / 9

subdivided buckets used

Audit opinion

Schedule H Part III

Unqualified opinion

Auditor signed off without reservation - the cleanest possible opinion.

Auditor firm: HOGANTAYLOR, LLP
Auditor EIN: 711413977
Audit fees: (not subdivided)
Opinion code: Unqualified

Metric

This plan

Peer set

Industry

Size

Avg account balance

$123,472

$78,275+57.7%

$109,163+13.1%

$86,813+42.2%

Participation rate

100.0%

73.8%+26.2pp

75.9%+24.1pp

72.3%+27.7pp

Annual return

10.19%

19.14%-9.0pp

25.75%-15.6pp

97.93%-87.7pp

Employer contribution / active EE

$9,676

$3,105+211.6%

$3,723+159.9%

$2,406+302.2%

Participant deferral / active EE

$5,100

$3,641+40.1%

$4,654+9.6%

$4,131+23.4%

Admin fee / account holder

$33

$198-83.4%

$6,754-99.5%

$170-80.6%

Provider

Service type

Compensation

MORNINGSTAR7+ years

Service code 27 · EIN 36-3297908

P.O. BOX 990067 · HARTFORD, CT 061990067

Advisory (Plan)

$34,698

VOYA RETIREMENT INSURANCE & ANNUITY2 years

Filed as: VOYA RETIREMENT INS. & ANNUITY CO.

Service code 27

Advisory (Plan)

$34,698

MORNINGSTAR2 years

Filed as: MORNINGSTAR INVESTMENT MANAGEMENT

Service code 26 · EIN 36-4317381

P.O. BOX 990067 · HARTFORD, CT 061990067

Advisory (Participants)

$8,356

VOYA RETIREMENT INSURANCE & ANNUITY1 year

Filed as: VOYA RETIRMENT INS. & ANNUITY CO.

Service code 26 · EIN 71-0294708

P.O. BOX 990067 · HARTFORD, CT 061990067

Advisory (Participants)

PINE BLUFF SAND AND GRAVEL COMPANY RETIREMENT SAVINGS 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

PINE BLUFF SAND AND GRAVEL COMPANY RETIREMENT SAVINGS 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