Carmeuse Lime, Inc. 401(k) Review & Grade
Carmeuse Lime, Inc. 401(k) Plan
Pittsburgh, PAMining, Oil & Gas934 active participantsPlan year 2024✓ Auto-enroll
Estimate from the plan's Form 5500 filing · How we grade
$7,114Employer $ per active participant
$9,167Employee $ saved per active participant
0.10%Direct admin cost, % of plan assets
$197.9MNet plan assets, end of year
$161,055Average balance per account
Score breakdown
- Employer generosity36.3 / 5073th percentile for employer $ per participant
- Low cost18.5 / 2574th percentile for low admin cost vs. same-size plans
- Employee saving10.4 / 1570th percentile for employee $ per participant
- Plan features10 / 10Auto-enrollment, Default investment
- Red-flag deductions-10 pts1 issue reported on the filing
Total score65 / 100 · Grade B
This plan vs. peers
Peers: Mining, Oil & Gas plans with 500–2,499 active participants (129 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 73th |
| Lower admin cost | 74th |
| Employee saving | 70th |
| Peers that auto-enroll | 60% |
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Red flags from the filing
Benefits not paid when due: the plan reported failing to pay some benefits on time.
What to do if you're in this plan
- Carmeuse Lime put in about $7,114 per active participant, more than the typical peer ($4,357). Contribute at least enough to collect the full match. Skipping it leaves part of your pay on the table.
- The filing shows total dollars, not the match formula. Ask HR for the Summary Plan Description so you know the exact match and vesting schedule.
- Fund expense ratios aren't in the filing. Look them up in your 404(a)(5) fee disclosure and favor low-cost index or target-date funds.
- The plan auto-enrolls employees. Check your default contribution rate. Defaults are often lower than what it takes to get the full match.
- Changing jobs? You can usually leave the money in the plan, move it to your new employer's plan, or roll it into an IRA. Don't cash out: you'd owe taxes and possibly a 10% penalty.
The raw numbers from the filing
| Employer contributions | $6,648,317 |
| Participant (employee) contributions | $8,566,990 |
| Other contributions (incl. rollovers in) | $1,614,645 |
| Administrative expenses paid from the plan | $186,354 |
| Investment advisory & management fees | $85,660 |
| Benefits paid out | $16,961,693 |
| Net assets, start / end of year | $172.5M / $197.9M |
| Active participants, start / end of year | 924 / 945 |
| Participants with account balances | 1,229 |
| Auto-enrollment (feature code 2S) | Yes |
| Auditor | Schneider Downs & Co Inc |
Largest service providers (Schedule C)
| Strategic Advisors, Inc. | $85,660 reported compensation |
| Fidelity Investments Institutional | $76,194 reported compensation |
| Schneider Downs | $24,500 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251013145757NAL0000745971001, received 2025-10-13, EIN 36-3933140, plan #020, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.