Sunrise Coal, LLC 401(k) Review & Grade
Sunrise Coal, LLC 401(k) Profit Sharing Plan
Terre Haute, INMining, Oil & Gas748 active participantsPlan year 2024✓ Auto-enroll
Estimate from the plan's Form 5500 filing · How we grade
$2,432Employer $ per active participant
$5,799Employee $ saved per active participant
0.13%Direct admin cost, % of plan assets
$52.3MNet plan assets, end of year
$68,576Average balance per account
Score breakdown
- Employer generosity12.5 / 5025th percentile for employer $ per participant
- Low cost16.9 / 2567th percentile for low admin cost vs. same-size plans
- Employee saving5.4 / 1536th percentile for employee $ per participant
- Plan features10 / 10Auto-enrollment, Default investment
Total score45 / 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 | 25th |
| Lower admin cost | 67th |
| Employee saving | 36th |
| Peers that auto-enroll | 60% |
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Red flags from the filing
No red flags were reported on this filing's compliance questions.
What to do if you're in this plan
- Sunrise Coal put in about $2,432 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 | $1,818,140 |
| Participant (employee) contributions | $4,334,892 |
| Other contributions (incl. rollovers in) | $43,374 |
| Administrative expenses paid from the plan | $66,710 |
| Investment advisory & management fees | $40,979 |
| Other admin expenses | $17,250 |
| Benefits paid out | $11,695,589 |
| Net assets, start / end of year | $51.3M / $52.3M |
| Active participants, start / end of year | 884 / 611 |
| Participants with account balances | 762 |
| Auto-enrollment (feature code 2S) | Yes |
| Auditor | Plante & Moran PLLC |
Largest service providers (Schedule C)
| Plante & Moran, PLLC | $25,250 reported compensation |
| Wells Fargo Clearing Services LLC | $24,312 reported compensation |
| Partners | $16,667 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251011120120NAL0008493649001, received 2025-10-11, EIN 37-1449270, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.