Plan Ledger DOL Form 5500 · updated monthly

Continental Refining Company LLC401(k)

CONTINENTAL REFINING COMPANY 401(K) RETIREMENT PLAN · SOMERSET, KY · plan year 2024

Reported admin expense ratio · 2024
0.11%

Peer grade: A- · admin costs + employer contributions vs same-size plans · how grading works

Continental Refining Company LLC reported $2,776 in plan administrative expenses for 2024: 0.11% of average plan assets, lower than ~75% of peers. Employer contributions averaged $1,338 per active participant. This ratio covers administrative expenses reported on the plan's Schedule H only; fund-level expense ratios are not included in public structured data — see methodology.

Across the 2 years on file its reported administrative ratio fell from 0.32% to 0.11%. The plan sits in the $1M–$10M size bracket, benchmarked here against 18,840 comparable plans and shown alongside other manufacturing employers. By assets it is among the smaller plans on file in Kentucky (736th of 871), and 12,404th of 13,661 in manufacturing. In 2024, employees put in $1.49 for every $1.00 the employer contributed; active participation has shrunk from 228 to 194 since 2022.

Plan summary
Net assets, end of year$2,795,207
Participants with balances146
Active participants194
Employer contributions$259,559
Employee contributions$386,867
Employer contribution per active participant$1,338
Average account balance$19,145
Benefits paid to participants$260,229
Plan auditUnmodified (clean) audit opinion
Plan history3
Yearassets · accounts · employer contribution
2024$2.8M · 146 accts · $260K emplr
2023$2.1M · 129 accts · $208K emplr
2022$1.4M · 121 accts · $190K emplr
The Continental Refining Company LLC 401(k) match · 2024
Employer contribution per active participant$1,338
Median for plans this size$1,313
2024$1,338 per active participant
2023$1,135 per active participant
2022$831 per active participant

Continental Refining Company LLC's 2024 employer contribution ran above the $1,313 median for plans its size. Filings report dollars actually contributed, not the match formula; the formula itself (for example, 50% of the first 6% of pay) lives in the plan's summary plan description from HR.

What these fees cost you

Annual cost at the plan's reported 2024 administrative ratio, against the median plan its size; fund expense ratios are extra. Compare any plan.

Service providers · 20241
AMERICAN TRUST COMPANY · Contract administrator · Recordkeeping$2,776

Compensation shown is direct payments from plan assets reported on Schedule C. Providers paid through fund revenue-sharing appear as indirect.

Recordkeeper by year2
2024AMERICAN TRUST COMPANY
2023AMERICAN TRUST COMPANY

Looking for an account from a past job here? How to find an old 401(k).

Administrative cost history3
2024$2,776 · 0.11%
2023$2,588 · 0.15%
2022$3,477 · 0.32%
Similar plansManufacturing · Kentucky
Dunaway Timber Company KY$2.8M · 0.17%
Flex Films USA, Inc. KY$2.8M · 0.11%
Cumberland Cooperage LLC KY$2.7M · 0.61%

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Source: U.S. Department of Labor, Form 5500 series, EIN 263515098 · Verify on EFAST2 · Amounts are as reported by the plan sponsor for the plan year shown.