Nyrstar Clarksville Inc. 401(k) Review & Grade
Nyrstar Hourly 401(k) Plan
Clarksville, TNMining, Oil & Gas611 active participantsPlan year 2024✓ Auto-enroll
Estimate from the plan's Form 5500 filing · How we grade
$4,594Employer $ per active participant
$3,612Employee $ saved per active participant
0.27%Direct admin cost, % of plan assets
$34.1MNet plan assets, end of year
$43,966Average balance per account
Score breakdown
- Employer generosity27.0 / 5054th percentile for employer $ per participant
- Low cost10.9 / 2544th percentile for low admin cost vs. same-size plans
- Employee saving1.8 / 1512th percentile for employee $ per participant
- Plan features10 / 10Auto-enrollment, Default investment
Total score50 / 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 | 54th |
| Lower admin cost | 44th |
| Employee saving | 12th |
| 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
- Nyrstar Clarksville put in about $4,594 per active participant, more than the typical peer ($4,357). 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.
- 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 | $2,806,817 |
| Participant (employee) contributions | $2,207,192 |
| Other contributions (incl. rollovers in) | $140,781 |
| Administrative expenses paid from the plan | $92,784 |
| Contract administrator fees | $77,215 |
| Investment advisory & management fees | $12,473 |
| Other admin expenses | $3,096 |
| Benefits paid out | $7,430,774 |
| Net assets, start / end of year | $33.4M / $34.1M |
| Active participants, start / end of year | 582 / 640 |
| Participants with account balances | 776 |
| Auto-enrollment (feature code 2S) | Yes |
| Auditor | Baker Tilly US, LLP |
Largest service providers (Schedule C)
| Principal Life Insurance Company | $77,215 reported compensation |
| Global Retirement Partners LLC | $11,670 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251104135654NAL0011671184001, received 2025-11-04, EIN 52-1056429, plan #005, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.