Plan Ledger DOL Form 5500 · updated monthly

Mid-Missouri Bank401(k)

MID-MISSOURI BANK EMPLOYEES 401K PLAN · SPRINGFIELD, MO · plan year 2025

Reported admin expense ratio · 2025
0.31%

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

Mid-Missouri Bank reported $67,882 in plan administrative expenses for 2025: 0.31% of average plan assets, above the peer median. Employer contributions averaged $2,641 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 rose from 0.01% to 0.31%. The plan sits in the $10M–$50M size bracket, benchmarked here against 1,620 comparable plans and shown alongside other finance & insurance employers. By assets it is the 531st-largest of 1,393 plans among Missouri employers on file, and 2,764th of 4,798 in finance & insurance. In 2025, employees put in $2.28 for every $1.00 the employer contributed.

Plan summary
Net assets, end of year$23,967,862
Participants with balances219
Active participants201
Employer contributions$530,931
Employee contributions$1,209,136
Employer contribution per active participant$2,641
Average account balance$109,442
Benefits paid to participants$864,070
Plan auditUnmodified (clean) audit opinion
AuditorTHE WHITLOCK COMPANY
Plan history4
Yearassets · accounts · employer contribution
2025$24.0M · 219 accts · $531K emplr
2024$20.2M · 199 accts · $478K emplr
2023$18.9M · 212 accts · $452K emplr
2022$16.4M · 211 accts · $427K emplr
Administrative expenses, itemized · 2025
Recordkeeping & contract admin$67,882
Total administrative$67,882
The Mid-Missouri Bank 401(k) match · 2025
Employer contribution per active participant$2,641
Median for plans this size$2,666
2025$2,641 per active participant
2024$2,585 per active participant
2023$2,754 per active participant
2022$2,298 per active participant

Mid-Missouri Bank's 2025 employer contribution ran below the $2,666 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 · 20251
LINCOLN NATIONAL CORPORATION · Contract administrator$67,882

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

Administrative cost history4
2025$67,882 · 0.31%
2024$62,707 · 0.32%
2023$56,348 · 0.32%
2022$2,331 · 0.01%
Same employer
Similar plansFinance & Insurance · Missouri
The Daniel and Henry Co. MO$23.0M · 0.36%
Clearent, LLC MO$22.9M · 0.57%
Cnb St. Louis Bank MO$20.8M · 0.38%

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Source: U.S. Department of Labor, Form 5500 series, EIN 440393970 · Verify on EFAST2 · Amounts are as reported by the plan sponsor for the plan year shown.