Plan Snapshot
- Plan Sponsor: Crystal Distribution, INC.
- Sponsor EIN: 411781476
- Sponsor Address: 17560 TYLER STREET NW, ELK RIVER, MN, 55330
- Plan Type: 401(k)
- Total Participants: 249
- Total Assets: $9.7M
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 | 249 | $9.7M | $398,545 | $732,526 |
| 2023 | 212 | $7.8M | $372,025 | $698,939 |
| 2022 | 114 | $6.8M | $324,859 | $609,982 |
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 |
|---|---|---|---|---|
| ONEAMERICA RETIREMENT SERVICES LLC | RECORDKEEPER | $25,353 | — | $25,353 |
| RYAN FINANCIAL GROUP LLC | INVESTMENT MANAGER | $22,316 | — | $22,316 |
| COMMONWEALTH FINANCIAL NETWORK | FINANCIAL ADVISOR | $6,330 | — | $6,330 |
| REDPATH AND COMPANY, LLC | Auditor | — | — | $0 |
Verified Provider Profiles
Direct links to verified profiles of matched retirement plan providers on PlanProvider.Pro:
- RYAN FINANCIAL GROUP LLC — INVESTMENT MANAGER
- COMMONWEALTH FINANCIAL NETWORK — FINANCIAL ADVISOR
- 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: $53,999
- Estimated Expense Ratio: 0.559% 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 | $55,625 | $28,646 | — | — | — |
| 2023 | $43,171 | $25,779 | $16,292 | — | — |
| 2022 | $53,364 | $22,493 | $29,221 | — | $1,650 |