Plan Ledger DOL Form 5500 · updated monthly

Mosby Building Arts, LTD.401(k)

MOSBY BUILDING ARTS, LTD. 401(K) PLAN · ST. LOUIS, MO · plan year 2025

Reported admin expense ratio · 2025
0.59%

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

Mosby Building Arts, LTD. reported $49,083 in plan administrative expenses for 2025: 0.59% of average plan assets, above the peer median. Employer contributions averaged $3,013 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 0.75% to 0.59%. The plan sits in the $1M–$10M size bracket, benchmarked here against 809 comparable plans and shown alongside other retail trade employers. By assets it is among the smaller plans on file in Missouri (904th of 1,393), and 2,868th of 5,215 in retail trade. In 2025, employees put in $1.65 for every $1.00 the employer contributed; active participation has grown from 101 to 130 since 2022.

Plan summary
Net assets, end of year$8,855,089
Participants with balances160
Active participants130
Employer contributions$391,744
Employee contributions$647,489
Employer contribution per active participant$3,013
Average account balance$55,344
Benefits paid to participants$712,397
Plan auditUnmodified (clean) audit opinion
Plan history4
Yearassets · accounts · employer contribution
2025$8.9M · 160 accts · $392K emplr
2024$7.8M · 166 accts · $379K emplr
2023$6.5M · 151 accts · $334K emplr
2022$4.9M · 137 accts · $258K emplr
Administrative expenses, itemized · 2025
Recordkeeping & contract admin$49,083
Total administrative$49,083
The Mosby Building Arts, LTD. 401(k) match · 2025
Employer contribution per active participant$3,013
Median for plans this size$1,464
2025$3,013 per active participant
2024$2,690 per active participant
2023$2,734 per active participant
2022$2,555 per active participant

Mosby Building Arts, LTD.'s 2025 employer contribution ran above the $1,464 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 2025 administrative ratio, against the median plan its size; fund expense ratios are extra. Compare any plan.

Service providers · 20251
ALERUS FINANCIAL NA · Recordkeeping · Trustee (directed)$49,083

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

Recordkeeper by year3
2025Alerus
2024Alerus
2023Alerus

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Administrative cost history4
2025$49,083 · 0.59%
2024$46,771 · 0.66%
2023$41,502 · 0.73%
2022$39,649 · 0.75%
Same employer
Similar plansRetail Trade · Missouri
Sarann Auto Leasing, Inc. MO$9.7M · 0.49%
Sapaugh Motors, Inc. MO$8.4M · 0.67%

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Source: U.S. Department of Labor, Form 5500 series, EIN 431705000 · Verify on EFAST2 · Amounts are as reported by the plan sponsor for the plan year shown.