Carmeuse Lime, Inc. 401(k) Review & Grade
Carmeuse Lime, Inc. 401(k) Plan for Bargaining Unit Employees
Pittsburgh, PAMining, Oil & Gas810 active participantsPlan year 2024✓ Auto-enroll
Estimate from the plan's Form 5500 filing · How we grade
$3,554Employer $ per active participant
$5,658Employee $ saved per active participant
0.18%Direct admin cost, % of plan assets
$80.4MNet plan assets, end of year
$91,547Average balance per account
Score breakdown
- Employer generosity19.9 / 5040th percentile for employer $ per participant
- Low cost14.5 / 2558th percentile for low admin cost vs. same-size plans
- Employee saving5.0 / 1534th percentile for employee $ per participant
- Plan features10 / 10Auto-enrollment, Default investment
- Red-flag deductions-3 pts1 issue reported on the filing
Total score46 / 100 · Grade C
This plan vs. peers
Peers: Mining, Oil & Gas plans with 500–2,499 active participants (129 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 40th |
| Lower admin cost | 58th |
| Employee saving | 34th |
| Peers that auto-enroll | 60% |
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Red flags from the filing
Corrective distributions: the plan refunded $1,054 in contributions, which usually means it failed annual nondiscrimination testing.
What to do if you're in this plan
- Carmeuse Lime put in about $3,554 per active participant, below the typical peer ($4,357). Any match is still an instant return, so contribute enough to get all of it.
- 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 | $2,876,788 |
| Participant (employee) contributions | $4,580,057 |
| Other contributions (incl. rollovers in) | $230,049 |
| Administrative expenses paid from the plan | $138,111 |
| Investment advisory & management fees | $41,218 |
| Benefits paid out | $9,684,899 |
| Net assets, start / end of year | $73.6M / $80.4M |
| Active participants, start / end of year | 845 / 774 |
| Participants with account balances | 878 |
| Auto-enrollment (feature code 2S) | Yes |
| Auditor | Schneider Downs and Co Inc |
Largest service providers (Schedule C)
| Fidelity Investments Institutional | $74,793 reported compensation |
| Strategic Advisors, Inc. | $41,218 reported compensation |
| Schneider Downs & Co., Inc. | $22,100 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251013144140NAL0003233954001, received 2025-10-13, EIN 36-3933140, plan #024, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.