Plan Ledger DOL Form 5500 · updated monthly

Crystal Distribution, Inc.401(k)

CRYSTAL DISTRIBUTION, INC. 401(K) SAVINGS PLAN · ELK RIVER, MN · plan year 2024

Reported admin expense ratio · 2024
0.64%

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

Crystal Distribution, Inc. reported $55,625 in plan administrative expenses for 2024: 0.64% of average plan assets, above the peer median. Employer contributions averaged $1,601 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 0.74% to 0.64%. 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 Minnesota (1,322nd of 1,918), and 8,954th of 13,661 in manufacturing. In 2024, employees put in $1.84 for every $1.00 the employer contributed; active participation has grown from 114 to 249 since 2022.

Plan summary
Net assets, end of year$9,667,887
Participants with balances150
Active participants249
Employer contributions$398,545
Employee contributions$732,526
Employer contribution per active participant$1,601
Average account balance$64,453
Benefits paid to participants$376,162
Plan auditUnmodified (clean) audit opinion
Plan history3
Yearassets · accounts · employer contribution
2024$9.7M · 150 accts · $399K emplr
2023$7.8M · 147 accts · $372K emplr
2022$6.8M · 157 accts · $325K emplr
Administrative expenses, itemized · 2024
Recordkeeping & contract admin$25,354
Investment management$28,646
Total administrative$55,625
The Crystal Distribution, Inc. 401(k) match · 2024
Employer contribution per active participant$1,601
Median for plans this size$1,313
2024$1,601 per active participant
2023$1,755 per active participant
2022$2,850 per active participant

Crystal Distribution, Inc.'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 · 20245
ONEAMERICA RETIREMENT SERVICES LLC · Recordkeeping · Investment management$25,353
RYAN FINANCIAL GROUP LLC$22,316
COMMONWEALTH FINANCIAL NETWORK · Securities brokerage$6,330
MATRIX TRUST COMPANY · Custodial · Custodial (securities)indirect comp
MSCS FS DIV OF BROADRIDGE BPO, LLPindirect comp

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

Recordkeeper by year2
2024OneAmerica
2023OneAmerica

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

Administrative cost history3
2024$55,625 · 0.64%
2023$43,171 · 0.59%
2022$53,364 · 0.74%
Same employer
Similar plansManufacturing · Minnesota
Priority Envelope, Inc. MN$9.8M · 0.69%
American Converters, Inc. MN$9.8M · 0.04%
Plymold,Co MN$9.6M
Advantek, LLC MN$9.5M · 0.43%
J & E Manufacturing Co. MN$9.0M · 0.53%

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Source: U.S. Department of Labor, Form 5500 series, EIN 411781476 · Verify on EFAST2 · Amounts are as reported by the plan sponsor for the plan year shown.