PowerRail ESOP Crossword Puzzle

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Across
  1. 4. The atmosphere of a company.
  2. 9. The value of the company can be increased by increasing cash _______. This can be done by increasing revenue, reducing costs, and becoming more efficient and productive.
  3. 11. _________at every turn.
  4. 12. To give something away.
  5. 15. A feeling of deep admiration for someone or something elicited by their abilities, qualities, or achievements.
  6. 17. The plan vests over how many years?
  7. 21. PowerRail Electronics offers a full line of new and rebuilt __________ components and assemblies including electrical cabinets, control stands, contactors, controllers, interlocks, relays, modules, panels and more.
  8. 24. PowerRail was established in Wilkes-Barre, ________ in 2003.
  9. 26. PowerRail Locomotive Services located in ________,Georgia offers both Locomotive and Freight Car service including Light Repair, Re-wires, Traction Motor, Truck Work, Engine and/or Engine Component Change Out as well as Mobile Maintenance capabilities.
  10. 27. What is the number one consideration for share valuation?
  11. 29. PowerRail Distribution is the main control hub of PowerRail and contains an 80,000 square foot ___________.
  12. 32. All Company contributions are paid to a________ Fund established on behalf of Plan participants and beneficiaries. Contributions can be made in cash or Company stock.
  13. 34. The quality of being honest and having strong moral principles.
  14. 35. Employee Ownership Month.
  15. 36. Once every year after the annual ___________ is completed, you will receive a statement which includes your account balance as of the previous valuation date, summarizes the activity in your account during the year and shows your account balance as of the current valuation date.
  16. 37. What does the ESOP plan grant to employees?
  17. 38. PowerRail Industries is a full service __________ shop featuring CNC and conventional mills and lathes, surface grinders, a turret press and OBI press.
Down
  1. 1. If you terminate employment for any other reason prior to your Normal Retirement Age, you may elect to begin to receive your vested account balance by the close of the ________ Plan Year following the Plan Year in which you terminate or if earlier the year following the date you attain Normal Retirement Age.
  2. 2. Cooper Bearings is a leading remanufacturer of Bearing and ________ Boxes for the rail industry including both freight and transit locomotives.
  3. 3. The plan overseer.
  4. 5. To make sure the death ________________ is payable to the beneficiary of your choice, it is your responsibility to complete and file a beneficiary designation form with the Plan Administrator.
  5. 6. Small changes can lead to ______ results.
  6. 7. The ESOP culture as well as PoweRail encourages ___________
  7. 8. There are external and internal factors that affect a company’s value. Internal factors are things that can be ________, while external factors cannot. External factors include such things as industrial trends, political environment, local and international economy, multiple markets, and competition. Internal factors include a company’s risk profile, revenues and cash flow.
  8. 10. Finding new ways to always do better.
  9. 13. Striving to be the best in everything we do.
  10. 14. A ______________ is the person or persons you name to receive your Plan benefits in case of your death.
  11. 15. PowerRail Manufacturing builds new and _____________locomotive air and water cooled air compressors, oil and fuel pumps, water pumps, engine components, roots blowers, vane motors, wiper motors and starters.
  12. 16. The ESOP can borrow money from the Company or an outside_______ to acquire a significant block of Company stock.
  13. 18. An individual account is maintained by the Plan_________ for each Plan participant.
  14. 19. The value of PowerRail Holdings, Inc. shares is determined each year by an independent ___________.
  15. 20. Should you leave employment with the Company before you are 100% vested, the non-vested portion of your benefit will remain in the Plan, but no further Company ___________ or forfeitures shall be made to your individual Plan account.
  16. 22. PowerRail’s ________ Series is a Unit Exchange Program.
  17. 23. Avoca Rail Products is a full service ____________, welding and brazing facility featuring a robotic welder, press brakes, plasma table, and several M.I.G. and T.I.G. welding machines. They specialize in truck parts, gear cases, control stands, exhaust chambers and much more.
  18. 25. ____________ refers to how long you must work for the Company for your Plan accounts to be non-forfeitable and for you to have an irrevocable interest in your Plan benefits.
  19. 28. Amount the plan costs the employee.
  20. 30. A Year of Service means a Plan Year in which you receive credit for 1,000________ of Service.
  21. 31. The Company stock is generally valued only _______at the end of the Plan year.
  22. 33. Who is the ESOP communications committee chairperson?