Keystone Consolidated Industries 401(k) Review & Grade
Keystone-Bartonville 401(k) Retirement Plan
Peoria, ILManufacturing688 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$2,058Employer $ per active participant
$3,507Employee $ saved per active participant
0.20%Direct admin cost, % of plan assets
$102.4MNet plan assets, end of year
$128,827Average balance per account
Score breakdown
- Employer generosity22.3 / 5045th percentile for employer $ per participant
- Low cost13.5 / 2554th percentile for low admin cost vs. same-size plans
- Employee saving4.5 / 1530th percentile for employee $ per participant
- Plan features3 / 10Default investment
Total score43 / 100 · Grade D
This plan vs. peers
Peers: Manufacturing plans with 500–2,499 active participants (2,376 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 45th |
| Lower admin cost | 54th |
| Employee saving | 30th |
| Peers that auto-enroll | 59% |
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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
- Keystone Consolidated Industries put in about $2,058 per active participant, below the typical peer ($2,320). 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.
- 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 | $1,416,210 |
| Participant (employee) contributions | $2,412,926 |
| Other contributions (incl. rollovers in) | – |
| Administrative expenses paid from the plan | $200,057 |
| Contract administrator fees | $145,832 |
| Investment advisory & management fees | $28,500 |
| Benefits paid out | $10,317,001 |
| Net assets, start / end of year | $95.4M / $102.4M |
| Active participants, start / end of year | 766 / 610 |
| Participants with account balances | 795 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Cliftonlarsonallen LLP |
Largest service providers (Schedule C)
| Oneamerica Retirement Services, LLC | $145,832 reported compensation |
| Cliftonlarsonallen LLP | $25,725 reported compensation |
| Oaias LLC | $25,000 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251010134235NAL0004669523001, received 2025-10-10, EIN 37-0364250, plan #010, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.