Retirement plan

STILLWATER MILLING COMPANY 401K RETIREMENT PLAN

Name: STILLWATER MILLING COMPANY - STILLWATER MILLING COMPANY 401K RETIREMENT PLAN (2024) Form 5500
Creator: STILLWATER MILLING COMPANY
License: https://www.dol.gov/general/disclaim
Keywords: Form 5500, ERISA, retirement plan, STILLWATER MILLING COMPANY 401K RETIREMENT PLAN, STILLWATER MILLING COMPANY

STILLWATER MILLING COMPANYEIN 73-0470190Plan #001PY 2024

512 EAST 6TH AVENUE, PO BOX 2407 - STILLWATER, OK 74076405-372-3445stillwatermills.comLinkedIn1-10 employeesarchitecture & planning

Prospect flagsLow returnsHigh fees

How to read this page

Total assets (EOY)

$6.7M

+12.9% from 2023

Total participants

150

-3.8% from 2023

Average account balance

$51,405

+21.6% from 2023

Annual return

9.53%

-0.15 pp from 2023

Benchmarks

See 943 peers

Peer group

Industry31 - Manufacturing

Plan typeDefined contribution

Participants100-249

Cohort943 peers

Snapshot2024

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

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Analytics

Total assets (EOY)

Plan-year ending balance

$7.64M

Not enough data

1 years with asset history on file

Average account balance

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

$59K

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.

130

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.

86.1%

Not enough data

1 years with eligibility data

Contributions (total)

Employer and participant dollars contributed each year

$551K

Not enough data

1 years with contributions on file

Contributions per participant

Average employer and participant contribution per enrolled participant

$5K

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

+14.29%

Not enough data

1 years with return on file

Admin fee / account holder

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

$443

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.

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Service providers

Top 6 by compensation

Provider	Service type	Compensation
GREAT-WEST LIFE & ANNUITY INSURANCE1 year Filed as: EEMPOWER ANNUITY INSURANCE COMPANY Service code 64 8515 EAST ORCHARD ROAD · GREENWOOD VILLAGE, CO 80111	Recordkeeping Fees	$26,977
GREAT-WEST LIFE & ANNUITY INSURANCE3 years Filed as: EMPOWER ADVISORY GROUP, LLC Service code 28 8515 EAST ORCHARD ROAD · GREENWOOD VILLAGE, CO 80111	Investment Management	$26,247
CETERA ADVISOR NETWORKS LLC2 years Filed as: CETERA INVESTMENT ADVISERS LLC Service code 27 200 N PACIFIC COAST HWY · EL SEGUNDO, CA 90245	Advisory (Plan)	$18,880
STILLWATER WEALTH MANAGEMENT GROUP1 year Filed as: STILLWATER MILLING COMPANY LLC Service code 10 512 3 6TH ST · STILLWATER, OK 74074	Accounting	$8,845
PASI, LLC10+ years Service code 13	Contract Administrator	$6,293
PASI, LLC10+ years Filed as: PASI LLC Service code 13 · EIN 26-1407927 10 TALCOTT NOTCH RD · FARMINGTON, CT 06032	Contract Administrator	$350

Plan features & details

Pension benefit codes2E2F2G2J2K2T3B3D

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.
3B
Plan covering self-employed individuals
Plan covering self-employed individuals.
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

2 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.

Expense breakdown

Schedule H Part II

Admin total

$57K

$427 / participant

Contract admin$57K100.0%

% of EOY assets

0.856%

all-in expense ratio

Categories reported

1 / 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: PETERS & CHANDLER, P.C.
Auditor EIN: 731078673
Audit fees: $0
Opinion code: Unqualified

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Metric

This plan

Peer set

Industry

Size

Avg account balance

$51,405

$62,127-17.3%

$81,382-36.8%

$74,495-31.0%

Participation rate

85.1%

64.0%+21.0pp

69.5%+15.6pp

67.2%+17.9pp

Annual return

9.53%

16.48%-7.0pp

24.73%-15.2pp

1364.94%-1355.4pp

Employer contribution / active EE

$1,455

$1,882-22.7%

$2,463-40.9%

$2,623-44.5%

Participant deferral / active EE

$2,502

$3,229-22.5%

$3,883-35.6%

$4,346-42.4%

Admin fee / account holder

$440

$1,934-77.3%

$5,768-92.4%

$1,942-77.3%

Provider

Service type

Compensation

GREAT-WEST LIFE & ANNUITY INSURANCE1 year

Filed as: EEMPOWER ANNUITY INSURANCE COMPANY

Service code 64

8515 EAST ORCHARD ROAD · GREENWOOD VILLAGE, CO 80111

Recordkeeping Fees

$26,977

GREAT-WEST LIFE & ANNUITY INSURANCE3 years

Filed as: EMPOWER ADVISORY GROUP, LLC

Service code 28

8515 EAST ORCHARD ROAD · GREENWOOD VILLAGE, CO 80111

Investment Management

$26,247

CETERA ADVISOR NETWORKS LLC2 years

Filed as: CETERA INVESTMENT ADVISERS LLC

Service code 27

200 N PACIFIC COAST HWY · EL SEGUNDO, CA 90245

Advisory (Plan)

$18,880

STILLWATER WEALTH MANAGEMENT GROUP1 year

Filed as: STILLWATER MILLING COMPANY LLC

Service code 10

512 3 6TH ST · STILLWATER, OK 74074

Accounting

$8,845

PASI, LLC10+ years

Service code 13

Contract Administrator

$6,293

PASI, LLC10+ years

Filed as: PASI LLC

Service code 13 · EIN 26-1407927

10 TALCOTT NOTCH RD · FARMINGTON, CT 06032

Contract Administrator

$350

STILLWATER MILLING COMPANY 401K RETIREMENT PLAN

Summary metrics

Benchmarksi

Analytics

Service providersi

Plan features & details

Opportunity flagsi

Expense breakdowni

Audit opinioni

STILLWATER MILLING COMPANY 401K RETIREMENT PLAN

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