Plan Snapshot
- Plan Sponsor: Cemstone Products Company
- Sponsor EIN: 410182850
- Sponsor Address: 2025 CENTRE POINTE BLVD, SUITE 300, MENDOTA HEIGHTS, MN, 55120
- Plan Type: 401(k)
- Total Participants: 1,029
- Total Assets: $129.0M
Key Plan Design Features
- Auto-Enrollment: Yes
- Auto-Escalation: No
- Allows Roth Contributions: No
- Participant Loans: No
- Participant-Directed Investments: Yes
- ERISA Section 404(c) Fiduciary Safe Harbor: Yes
Plan Financials by Year
| Year | Participants | Total Assets | Employer Contrib. | Employee Contrib. |
|---|---|---|---|---|
| 2024 | 1,029 | $129.0M | $3.6M | $4.7M |
| 2023 | 990 | $115.1M | $3.2M | $4.1M |
| 2022 | 960 | $103.2M | $3.0M | $3.8M |
Service Providers (Schedule C)
Vendors paid $5,000 or more for services to the plan, ranked by total compensation (direct + indirect fees).
| Provider Name | Role | Direct Compensation | Indirect Compensation | Total Fees |
|---|---|---|---|---|
| THE ANGELL PENSION GROUP INC | TPA | $105,081 | $45,902 | $150,983 |
| EMPOWER ANNUITY INSURANCE COMPANY O | RECORDKEEPER | $124,020 | — | $124,020 |
| WORLD INVESTMENT ADVISORS LLC | INVESTMENT ADVISOR | $53,549 | — | $53,549 |
| REDPATH AND COMPANY, LLC | Auditor | — | — | $0 |
Verified Provider Profiles
Direct links to verified profiles of matched retirement plan providers on PlanProvider.Pro:
- REDPATH AND COMPANY, LLC — Auditor
Plan Fees & Expenses
Annual service provider fees and administrative expenses sourced from DOL Form 5500 filings.
- Total Service Provider Fees: $328,552
- Estimated Expense Ratio: 0.255% of plan assets
Historical Administrative Expenses
Breakdown of administrative expense categories reported on Form 5500 filings.
| Year | Total Admin Expenses | Investment Mgmt Fees | Contract Admin Fees | IQPA Audit Fees | Professional Fees |
|---|---|---|---|---|---|
| 2024 | $301,968 | $53,549 | $105,081 | — | — |
| 2023 | $164,106 | $44,198 | $56,887 | $15,000 | — |
| 2022 | $136,661 | — | — | — | $136,661 |