Mississippi Lime Company 401(k) Review & Grade
401(k) Plan for Employees of Mississippi Lime Company
ST. Louis, MOManufacturing522 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$8,187Employer $ per active participant
$10,182Employee $ saved per active participant
0.01%Direct admin cost, % of plan assets
$120.0MNet plan assets, end of year
$145,120Average balance per account
Score breakdown
- Employer generosity46.8 / 5094th percentile for employer $ per participant
- Low cost24.3 / 2597th percentile for low admin cost vs. same-size plans
- Employee saving13.5 / 1590th percentile for employee $ per participant
- Plan features3 / 10Default investment
Total score88 / 100 · Grade A
This plan vs. peers
Peers: Manufacturing plans with 500–2,499 active participants (2,376 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 94th |
| Lower admin cost | 97th |
| Employee saving | 90th |
| Peers that auto-enroll | 59% |
Get the monthly 401(k) report card
The best and worst plans, new grades as filings post. One email a month, no spam.
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
- Mississippi Lime put in about $8,187 per active participant, more than the typical peer ($2,320). Contribute at least enough to collect the full match. Skipping it leaves part of your pay on the table.
- 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 | $4,277,789 |
| Participant (employee) contributions | $5,319,900 |
| Other contributions (incl. rollovers in) | $767,046 |
| Administrative expenses paid from the plan | $14,322 |
| Other admin expenses | $14,322 |
| Benefits paid out | $16,687,728 |
| Net assets, start / end of year | $110.2M / $120.0M |
| Active participants, start / end of year | 501 / 544 |
| Participants with account balances | 827 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Ernst & Young LLP |
Largest service providers (Schedule C)
| The Vanguard Group, Inc. | $17,872 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251015100858NAL0004539409001, received 2025-10-15, EIN 37-0183365, plan #005, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.