Plan Ledger DOL Form 5500 · updated monthly

Enterprise Financial Services Corp401(k)

EFSC INCENTIVE SAVINGS PLAN · CLAYTON, MO · plan year 2025

Reported admin expense ratio · 2025
0.07%

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

Enterprise Financial Services Corp reported $150,820 in plan administrative expenses for 2025: 0.07% of average plan assets, below the peer median. Employer contributions averaged $5,495 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 3 years on file its reported administrative ratio fell from 0.12% to 0.07%. The plan sits in the $50M–$250M size bracket, benchmarked here against 605 comparable plans and shown alongside other finance & insurance employers. By assets it is the 102nd-largest of 1,393 plans among Missouri employers on file, and the 545th of 4,798 in finance & insurance. In 2025, employees put in $1.49 for every $1.00 the employer contributed; active participation has grown from 1,127 to 1,372 since 2022.

Plan summary
Net assets, end of year$222,387,761
Participants with balances1,798
Active participants1,372
Employer contributions$7,539,805
Employee contributions$11,238,081
Employer contribution per active participant$5,495
Average account balance$123,686
Benefits paid to participants$14,195,386
Plan auditUnmodified (clean) audit opinion
Plan history4
Yearassets · accounts · employer contribution
2025$222.4M · 1,798 accts · $7.5M emplr
2024$189.2M · 1,675 accts · $6.9M emplr
2023$160.4M · 1,638 accts · $6.5M emplr
2022$131.5M · 1,522 accts · $5.7M emplr
Administrative expenses, itemized · 2025
Recordkeeping & contract admin$150,820
Total administrative$150,820
The Enterprise Financial Services Corp 401(k) match · 2025
Employer contribution per active participant$5,495
Median for plans this size$4,093
2025$5,495 per active participant
2024$5,526 per active participant
2023$5,362 per active participant
2022$5,048 per active participant

Enterprise Financial Services Corp's 2025 employer contribution ran above the $4,093 median for plans its size. 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 2025 administrative ratio, against the median plan its size; fund expense ratios are extra. Compare any plan.

Service providers · 20252
EPIC RETIREMENT PLAN SERVICES · Recordkeeping · Loan processing$150,820

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

Recordkeeper by year3
2025EPIC RPS
2024EPIC RPS
2023EPIC RPS

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

Administrative cost history4
2025$150,820 · 0.07%
2024$179,532 · 0.10%
2023$163,694 · 0.11%
2022$164,815 · 0.12%
Same employer
Similar plansFinance & Insurance · Missouri
Americo Services, Inc. MO$262.4M · 0.09%
First Bank MO$191.9M · 0.01%
Lumeris Healthcare Outcomes MO$165.6M · 0.12%
Moneta Group LLC MO$144.0M · 0.06%

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Source: U.S. Department of Labor, Form 5500 series, EIN 431706259 · Verify on EFAST2 · Amounts are as reported by the plan sponsor for the plan year shown.