Retirement plan

BILLERUD AMERICAS CORPORATION RETIREMENT SAVINGS PLAN FOR NON UNION EMPLOYEES

Name: BILLERUD AMERICAS CORPORATION - BILLERUD AMERICAS CORPORATION RETIREMENT SAVINGS PLAN FOR NON UNION EMPLOYEES (2024) Form 5500
Creator: BILLERUD AMERICAS CORPORATION
License: https://www.dol.gov/general/disclaim
Keywords: Form 5500, ERISA, retirement plan, BILLERUD AMERICAS CORPORATION RETIREMENT SAVINGS PLAN FOR NON UNION EMPLOYEES, BILLERUD AMERICAS CORPORATION

BILLERUD AMERICAS CORPORATIONEIN 75-3217389Plan #001PY 2024

10050 INNOVATION DRIVE, SUITE 200 - MIAMISBURG, OH 45342937-528-3608

Other plans on this EIN

2 filings

#005Retirement-$336.4M assets #006Retirement-$315.0M assets

Prospect flagsHigh feesHigh assets / participantCorrective distributions

How to read this page

Total assets (EOY)

$360.2M

+8.0% from 2023

Total participants

1,319

-4.1% from 2023

Average account balance

$275,191

+13.0% from 2023

Annual return

13.73%

-3.61 pp from 2023

Benchmarks

See 1,160 peers

Peer group

Industry32 - Manufacturing

Plan typeDefined contribution

Participants250-999

Cohort1,160 peers

Snapshot2024

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

Analytics

Total assets (EOY)

Plan-year ending balance

$360.22M

Not enough data

1 years with asset history on file

Average account balance

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

$275K

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.

1,309

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.

98.8%

Not enough data

1 years with eligibility data

Contributions (total)

Employer and participant dollars contributed each year

$17.63M

Not enough data

1 years with contributions on file

Contributions per participant

Average employer and participant contribution per enrolled participant

$21K

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

+13.73%

Not enough data

1 years with return on file

Admin fee / account holder

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

$417

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

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

Service providers

Top 8 by compensation

Provider	Service type	Compensation
TRANSAMERICA RETIREMENT SOLUTIONS9 years Service code 12 · EIN 13-3689044	Sales loads (front end and deferred);...	$327,426
STEPHENS INC6 years Service code 27 · EIN 71-0641478	Advisory (Plan)	$93,192
D & G ADVISORY GROUP LLC8 years Service code 33 · EIN 38-3040374	Securities brokerage; Securities brok...	$91,978
LENNY YEH, INC.8 years Filed as: LENNY KISIN DBA Service code 33 415 N MCKINLEY ST · LITTLE ROCK, AZ 72205	Securities brokerage; Securities brok...	$15,538
CARLSON CAPITAL MANAGEMENT3 years Filed as: CARLSON CAPITAL MANAGEMENT LLC Service code 33 · EIN 47-2510641	Securities brokerage; Securities brok...	$8,483
FISHER INVESTMENTS4 years Service code 33 · EIN 20-2480800	Securities brokerage commissions and ...	$7,961
CHARLES SCHWAB & CO., INC.7 years Service code 33 · EIN 94-1737782	Securities brokerage commissions and ...	$724
NATIONAL FINANCIAL SERVICES9 years Service code 33 · EIN 04-3523567	Securities brokerage; Securities brok...	$0

Plan features & details

Pension benefit codes2E2F2G2J2K2R2S2T3D3H

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.
2R
Participant-directed brokerage accounts
Participant-directed brokerage accounts provided as an investment option under the plan.
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.
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

OpportunityHigh fees
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
ComplianceCorrective distributions
Plan reported corrective distributions (failed ADP/ACP testing).
InformationalHigh assets / participant
Assets per participant exceed $250,000 - top-decile high-value plan.

Expense breakdown

Schedule H Part II

Admin total

$546K

$645 / participant

Recordkeeping$327K59.9%
Investment mgmt$219K40.1%

% of EOY assets

0.152%

all-in expense ratio

Categories reported

2 / 9

subdivided buckets used

Audit opinion

Schedule H Part III

Unqualified opinion

Auditor signed off without reservation - the cleanest possible opinion.

Auditor firm: CLARK, SCHAEFER, HACKETT & CO
Auditor EIN: 310800053
Audit fees: (not subdivided)
Opinion code: Unqualified

Metric

This plan

Peer set

Industry

Size

Avg account balance

$275,191

$92,076+198.9%

$105,608+160.6%

$77,714+254.1%

Participation rate

98.8%

81.0%+17.8pp

75.3%+23.5pp

70.6%+28.2pp

Annual return

13.73%

17.84%-4.1pp

116.50%-102.8pp

31.26%-17.5pp

Employer contribution / active EE

$8,510

$3,370+152.5%

$3,167+168.7%

$2,727+212.1%

Participant deferral / active EE

$12,308

$5,390+128.4%

$5,010+145.7%

$4,649+164.7%

Admin fee / account holder

$417

$219+90.6%

$11,028-96.2%

$433-3.7%

Provider

Service type

Compensation

TRANSAMERICA RETIREMENT SOLUTIONS9 years

Service code 12 · EIN 13-3689044

Sales loads (front end and deferred);...

$327,426

STEPHENS INC6 years

Service code 27 · EIN 71-0641478

Advisory (Plan)

$93,192

D & G ADVISORY GROUP LLC8 years

Service code 33 · EIN 38-3040374

Securities brokerage; Securities brok...

$91,978

LENNY YEH, INC.8 years

Filed as: LENNY KISIN DBA

Service code 33

415 N MCKINLEY ST · LITTLE ROCK, AZ 72205

Securities brokerage; Securities brok...

$15,538

CARLSON CAPITAL MANAGEMENT3 years

Filed as: CARLSON CAPITAL MANAGEMENT LLC

Service code 33 · EIN 47-2510641

Securities brokerage; Securities brok...

$8,483

FISHER INVESTMENTS4 years

Service code 33 · EIN 20-2480800

Securities brokerage commissions and ...

$7,961

CHARLES SCHWAB & CO., INC.7 years

Service code 33 · EIN 94-1737782

Securities brokerage commissions and ...

$724

NATIONAL FINANCIAL SERVICES9 years

Service code 33 · EIN 04-3523567

Securities brokerage; Securities brok...

BILLERUD AMERICAS CORPORATION RETIREMENT SAVINGS PLAN FOR NON UNION EMPLOYEES

Summary metrics

Benchmarksi

Analytics

Service providersi

Plan features & details

Opportunity flagsi

Expense breakdowni

Audit opinioni

BILLERUD AMERICAS CORPORATION RETIREMENT SAVINGS PLAN FOR NON UNION EMPLOYEES

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