Plan Ledger DOL Form 5500 · updated monthly

Capitol Federal Financial, Inc.401(k)

CAPITOL FEDERAL FINANCIAL, INC. PARTNERS IN THRIFT 401K PLAN · TOPEKA, KS · plan year 2024

Reported admin expense ratio · 2024
0.44%

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

Capitol Federal Financial, Inc. reported $144,285 in plan administrative expenses for 2024: 0.44% of average plan assets, above the peer median. Employer contributions averaged $491 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 0.59% to 0.44%. The plan sits in the $10M–$50M size bracket, benchmarked here against 27,838 comparable plans and shown alongside other finance & insurance employers. By assets it is the 186th-largest of 828 plans among Kansas employers on file, and the 2,161st of 4,798 in finance & insurance. In 2024, employees put in $10.19 for every $1.00 the employer contributed.

Plan summary
Net assets, end of year$35,310,854
Participants with balances836
Active participants617
Employer contributions$303,166
Employee contributions$3,089,478
Employer contribution per active participant$491
Average account balance$42,238
Benefits paid to participants$2,650,977
Plan auditUnmodified (clean) audit opinion
AuditorSSC CPAS, P.A.
Plan history3
Yearassets · accounts · employer contribution
2024$35.3M · 836 accts · $303K emplr
2023$31.0M · 764 accts · $241K emplr
2022$28.7M · $238K emplr
Administrative expenses, itemized · 2024
Recordkeeping & contract admin$74,285
Investment management$70,000
Total administrative$144,285
The Capitol Federal Financial, Inc. 401(k) match · 2024
Employer contribution per active participant$491
Median for plans this size$2,416
2024$491 per active participant
2023$423 per active participant
2022$390 per active participant

Capitol Federal Financial, Inc.'s 2024 employer contribution ran below the $2,416 median for plans its size, in the bottom quarter of its peers. 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 · 20243
ONEAMERICA RETIREMENT SERVICES LLC · Recordkeeping · Loan processing$74,285
INTELLICENTS INVESTMENTS SOLUTIONS · Investment advisory (plan)$70,000
MATRIX TRUST COMPANY · Custodial (securities) · Trusteeindirect 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$144,285 · 0.44%
2023$104,105 · 0.35%
2022$160,370 · 0.59%
All plans at this employer2
CAPITOL FEDERAL FINANCIAL, INC. PARTNERS IN THRIFT 401K PLAN401(k)
CAPITOL FEDERAL FINANCIAL, INC. EMPLOYEE STOCK OWNERSHIP PLANESOP
Similar plansFinance & Insurance · Kansas
Crossfirst Bankshares, Inc. KS$48.9M · 0.26%
Pollen, Inc. KS$35.7M · 0.25%
Ks Statebank KS$31.3M · 0.54%

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Source: U.S. Department of Labor, Form 5500 series, EIN 272631712 · Verify on EFAST2 · Amounts are as reported by the plan sponsor for the plan year shown.