Plan Ledger DOL Form 5500 · updated monthly

Cms Operations, LLC401(k)

CMS OPERATIONS, LLC 401(K) PLAN · ST. LOUIS, MO · plan year 2024

Reported admin expense ratio · 2024
0.66%

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

Cms Operations, LLC reported $94,424 in plan administrative expenses for 2024: 0.66% of average plan assets, higher than ~90% of peers. Employer contributions averaged $622 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 0.73% to 0.66%. 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 683rd-largest of 1,393 plans among Missouri employers on file, and 3,437th of 4,798 in finance & insurance. In 2024, employees put in $5.79 for every $1.00 the employer contributed.

Plan summary
Net assets, end of year$15,706,259
Participants with balances570
Active participants547
Employer contributions$340,178
Employee contributions$1,970,885
Employer contribution per active participant$622
Average account balance$27,555
Benefits paid to participants$1,786,503
Plan auditUnmodified (clean) audit opinion
Plan history3
Yearassets · accounts · employer contribution
2024$15.7M · 570 accts · $340K emplr
2023$12.8M · 563 accts · $368K emplr
2022$10.5M · 587 accts · $340K emplr
Administrative expenses, itemized · 2024
Recordkeeping & contract admin$43,282
Investment management$51,142
Total administrative$94,424
The Cms Operations, LLC 401(k) match · 2024
Employer contribution per active participant$622
Median for plans this size$2,416
2024$622 per active participant
2023$644 per active participant
2022$562 per active participant

Cms Operations, LLC'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 · 20242
CBIZ INVESTMENT ADVISORY SERVICES · Investment advisory (plan)$51,142

Compensation shown is direct payments from plan assets reported on Schedule C. Providers paid through fund revenue-sharing appear as indirect.

Administrative cost history3
2024$94,424 · 0.66%
2023$80,153 · 0.69%
2022$80,355 · 0.73%
Same employer
Similar plansFinance & Insurance · Missouri
Community Bancshares, Inc. MO$18.9M · 0.13%
Goppert Financial Corp. MO$18.3M · 0.60%
Lead Bank MO$16.9M · 0.81%
Btc Bank MO$13.7M · 0.22%
Jlb Corporation MO$12.8M · 0.47%
Maries County Bancorp, Inc. MO$12.8M · 0.40%

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Source: U.S. Department of Labor, Form 5500 series, EIN 200344418 · Verify on EFAST2 · Amounts are as reported by the plan sponsor for the plan year shown.