Plan Snapshot
- Plan Sponsor: Twin Rivers Paper Company LLC
- Sponsor EIN: 271723368
- Sponsor Address: 82 BRIDGE AVENUE, MADAWASKA, ME, 04756
- Plan Type: 401(k)
- Plan Number: 005
- Total Participants: 539
- Total Assets: $89.0M
Key Plan Design Features
- Auto-Enrollment: Yes
- Auto-Escalation: No
- Allows Roth Contributions: Yes
- Participant Loans: Yes
- Participant-Directed Investments: Yes
- ERISA Section 404(c) Fiduciary Safe Harbor: Yes
Plan Financials by Year
| Year | Participants | Total Assets | Employer Contrib. | Employee Contrib. |
|---|---|---|---|---|
| 2025 | 539 | $89.0M | $0 | $0 |
| 2024 | 440 | $82.0M | $2.6M | $2.6M |
| 2023 | 400 | $76.5M | $2.4M | $2.4M |
| 2022 | 400 | $67.6M | $2.3M | $2.3M |
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 |
|---|---|---|---|---|
| MORGAN STANLEY INSTITUTIONAL INVES | Investment Advisor | $26,305 | — | $26,305 |
| STRATEGIC ADVISORS, INC. | Investment Advisor | $19,684 | — | $19,684 |
| CHESTER M. KEARNEY | Auditor | $15,645 | — | $15,645 |
Plan Fees & Expenses
Annual service provider fees and administrative expenses sourced from DOL Form 5500 filings.
- Total Service Provider Fees: $61,634
- Estimated Expense Ratio: 0.069% 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 |
|---|---|---|---|---|---|
| 2025 | $11,569,920 | $19,684 | — | $15,645 | — |
| 2024 | -$1,159 | $23,452 | $600 | $6,710 | — |
| 2023 | -$2,948 | $23,627 | $600 | $7,000 | — |
| 2022 | $5,751 | $15,975 | — | — | — |