Retirement plan

AMERICAN REFRACTORY SERVICE, INC. 401(K) PROFIT SHARING PLAN

Name: AMERICAN REFRACTORY SERVICE, INC. - AMERICAN REFRACTORY SERVICE, INC. 401(K) PROFIT SHARING PLAN (2025) Form 5500
Creator: AMERICAN REFRACTORY SERVICE, INC.
License: https://www.dol.gov/general/disclaim
Keywords: Form 5500, ERISA, retirement plan, AMERICAN REFRACTORY SERVICE, INC. 401(K) PROFIT SHARING PLAN, AMERICAN REFRACTORY SERVICE, INC.

AMERICAN REFRACTORY SERVICE, INC.EIN 77-0206050Plan #001PY 2025

540 BUTTE STREET - BAKERSFIELD, CA 93305661-366-5909LinkedIn11-50 employeesoil & energy

Prospect flagsLow returnsHigh fees

How to read this page

Total assets (EOY)

$983K

-50.0% from 2024

Total participants

-6.7% from 2024

Average account balance

$70,179

-46.5% from 2024

Annual return

-2.14%

-18.71 pp from 2024

Benchmarks

See 1,901 peers

Peer group

Industry32 - Manufacturing

Plan typeDefined contribution

Participants<25

Cohort1,901 peers

Snapshot2025

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

Analytics

Total assets (EOY)

Plan-year ending balance

$983K

Not enough data

1 years with asset history on file

Average account balance

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

$70K

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.

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.

116.7%

Not enough data

1 years with eligibility data

Contributions (total)

Employer and participant dollars contributed each year

$90K

Not enough data

1 years with contributions on file

Contributions per participant

Average employer and participant contribution per enrolled participant

$8K

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

-2.14%

Not enough data

1 years with return on file

Admin fee / account holder

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

$75957

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

0 years with F_SCH_H allocation on file

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

Service providers

Providers data not reported

Schedule C was not filed on this plan's most recent Form 5500, so no compensated service providers are available to display.

Plan features & details

Pension benefit codes2E2F2H2J2R3D

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

$1.1M

$88616 / participant

Other / not subdivided$1M100.0%

% of EOY assets

108.233%

all-in expense ratio

Categories reported

0 / 9

subdivided buckets used

Audit opinion

Schedule H Part III

No opinion code on file for this filing.

Auditor firm: (not reported)
Auditor EIN: -
Audit fees: (not subdivided)
Opinion code: -

Metric

This plan

Peer set

Industry

Size

Avg account balance

$70,179

$177,595-60.5%

$148,496-52.7%

$198,609-64.7%

Participation rate

100.0%

79.3%+20.7pp

76.0%+24.0pp

82.4%+17.6pp

Annual return

-2.14%

9.97%-12.1pp

12.33%-14.5pp

202.70%-204.8pp

Employer contribution / active EE

$4,061

$4,098-0.9%

$3,497+16.1%

$5,055-19.7%

Participant deferral / active EE

$3,469

$5,539-37.4%

$4,808-27.8%

$6,977-50.3%

Admin fee / account holder

$75,957

$27,010+181.2%

$19,547+288.6%

$19,030+299.1%

AMERICAN REFRACTORY SERVICE, INC. 401(K) PROFIT SHARING PLAN

Summary metrics

Benchmarksi

Analytics

Service providersi

Plan features & details

Opportunity flagsi

Expense breakdowni

Audit opinioni

AMERICAN REFRACTORY SERVICE, INC. 401(K) PROFIT SHARING 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