Plan Ledger DOL Form 5500 · updated monthly

Commerce Bank & Trust Holding CompanyESOP

COMMERCE BANK AND TRUST HOLDING COMPANY EMPLOYEE STOCK OWNERSHIP PLAN AND TRUST · TOPEKA, KS · plan year 2022

Reported admin expense ratio · 2022
0.19%

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

Commerce Bank & Trust Holding Company reported $66,263 in plan administrative expenses for 2022: 0.19% of average plan assets, below the peer median. Employer contributions averaged $455 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 rose from 0.19% to 0.21%. The plan sits in the $10M–$50M size bracket, benchmarked here against 26,806 comparable plans and shown alongside other finance & insurance employers. By assets it is the 194th-largest of 828 plans among Kansas employers on file, and the 2,220th of 4,798 in finance & insurance.

Plan summary
Net assets, end of year$34,096,514
Participants with balances357
Active participants165
Employer contributions$75,000
Employee contributions—
Employer contribution per active participant$455
Average account balance$95,508
Benefits paid to participants$3,013,005
Plan auditUnmodified (clean) audit opinion
Plan history3
Yearassets · accounts · employer contribution
2024$29.6M · 335 accts · $85K emplr
2023$33.0M · 340 accts · $75K emplr
2022$34.1M · 357 accts · $75K emplr
Administrative expenses, itemized · 2022
Recordkeeping & contract admin$32,013
Professional / advisory$16,625
Total administrative$66,263
Employer contributions to the Commerce Bank & Trust Holding Company plan · 2022
Employer contribution per active participant$455
Median for plans this size$2,266
2024$538 per active participant
2023$472 per active participant
2022$455 per active participant

Commerce Bank & Trust Holding Company's 2022 employer contribution ran below the $2,266 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 2022 administrative ratio, against the median plan its size; fund expense ratios are extra. Compare any plan.

Administrative cost history3
2024$65,969 · 0.21%
2023$79,055 · 0.24%
2022$66,263 · 0.19%
All plans at this employer2
COMMERCE BANK AND TRUST HOLDING COMPANY EMPLOYEE STOCK OWNERSHIP PLAN AND TRUSTESOP
COMMERCE BANK & TRUST HOLDING COMPANY & SUBSIDIARIES 401(K) PLAN401(k)
Similar plansFinance & Insurance · Kansas
Pollen, Inc. KS$35.7M · 0.25%
Ks Statebank KS$31.3M · 0.54%

Why are you looking at this plan?

Compare

Source: U.S. Department of Labor, Form 5500 series, EIN 480876926 · Verify on EFAST2 · Amounts are as reported by the plan sponsor for the plan year shown.