Plan Ledger DOL Form 5500 · updated monthly

Cnb St. Louis Bank401(k)

CNBSTL AND UBU 401(K) PLAN · ST. LOUIS, MO · plan year 2024

Reported admin expense ratio · 2024
0.38%

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

Cnb St. Louis Bank reported $74,791 in plan administrative expenses for 2024: 0.38% of average plan assets, above the peer median. Employer contributions averaged $8,501 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 15 years on file its reported administrative ratio fell from 0.51% to 0.38%. 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 585th-largest of 1,393 plans among Missouri employers on file, and 2,993rd of 4,798 in finance & insurance. In 2024, the employer put in $1.61 for every $1.00 employees contributed themselves; active participation has grown from 144 to 171 since 2009.

Plan summary
Net assets, end of year$20,780,212
Participants with balances187
Active participants171
Employer contributions$1,453,713
Employee contributions$903,860
Employer contribution per active participant$8,501
Average account balance$111,124
Benefits paid to participants$2,379,866
Plan auditUnmodified (clean) audit opinion
Plan history14
Yearassets · accounts · employer contribution
2024$20.8M · 187 accts · $1.5M emplr
2023$18.7M · 181 accts · $870K emplr
2022$15.6M · 179 accts · $812K emplr
2020$16.2M · 184 accts · $516K emplr
2019$13.8M · 176 accts · $500K emplr
2018$11.9M · 183 accts · $474K emplr
2017$12.9M · 192 accts · $485K emplr
2016$12.2M · 179 accts · $492K emplr
2015$11.4M · 180 accts · $464K emplr
2014$10.8M · 177 accts · $451K emplr
2013$10.4M · 173 accts · $453K emplr
2012$8.6M · 162 accts · $432K emplr
2010$7.4M · 173 accts · $377K emplr
2009$5.9M · 153 accts · $398K emplr
Administrative expenses, itemized · 2024
Recordkeeping & contract admin$40,958
Investment management$33,833
Total administrative$74,791
The Cnb St. Louis Bank 401(k) match · 2024
Employer contribution per active participant$8,501
Median for plans this size$2,416
2024$8,501 per active participant
2023$5,724 per active participant
2022$5,374 per active participant
2020$2,966 per active participant
2019$2,921 per active participant

Cnb St. Louis Bank's 2024 employer contribution ran above the $2,416 median for plans its size, placing it in the top 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 · 20244
EPIC RETIREMENT PLAN SERVICES · Recordkeeping · Loan processing$40,958
CLAYTON FINANCIAL GROUP, LLC · Investment advisory (plan)$33,833
CHARLES SCHWAB TRUST BANK · Custodial (securities)indirect 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
2024EPIC RPS
2023EPIC RPS

Looking for an account from a past job here? How to find an old 401(k).

Administrative cost history14
2024$74,791 · 0.38%
2023$68,207 · 0.40%
2022$65,785 · 0.39%
2020$60,909 · 0.41%
2019$56,508 · 0.44%
2018$59,250 · 0.48%
2017$54,177 · 0.43%
2016$61,198 · 0.52%
2015$56,338 · 0.51%
2014$56,725 · 0.53%
2013$53,585 · 0.56%
2012$47,845 · 0.60%
2010$34,080 · 0.51%
2009$26,586 · 0.51%
Similar plansFinance & Insurance · Missouri
Mid-Missouri Bank MO$24.0M · 0.31%
The Daniel and Henry Co. MO$23.0M · 0.36%
Clearent, LLC MO$22.9M · 0.57%
Mid America Bank MO$19.0M · 0.23%
Community Bancshares, Inc. MO$18.9M · 0.13%
Goppert Financial Corp. MO$18.3M · 0.60%

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Source: U.S. Department of Labor, Form 5500 series, EIN 430216490 · Verify on EFAST2 · Amounts are as reported by the plan sponsor for the plan year shown.