Terminal Railroad Association of St. Louis401(k)
TERMINAL RAILROAD ASSOCIATION OF ST LOUIS 401(K) PLAN FOR SCHEDULE EMPLOYEES · ST LOUIS, MO · plan year 2025
Peer grade: B+ · admin costs + employer contributions vs same-size plans · how grading works
Terminal Railroad Association of St. Louis reported $6,442 in plan administrative expenses for 2025: 0.02% of average plan assets, lower than ~75% of peers. Employer contributions averaged $2,478 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 0.03% to 0.02%. The plan sits in the $10M–$50M size bracket, benchmarked here against 1,620 comparable plans and shown alongside other transportation & warehousing employers. By assets it is the 411th-largest of 1,393 plans among Missouri employers on file, and the 511th of 2,677 in transportation & warehousing. In 2025, employees put in $2.67 for every $1.00 the employer contributed; active participation has shrunk from 228 to 184 since 2022.
Terminal Railroad Association of St. Louis'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.
Annual cost at the plan's reported 2025 administrative ratio, against the median plan its size; fund expense ratios are extra. Compare any plan.
Compensation shown is direct payments from plan assets reported on Schedule C. Providers paid through fund revenue-sharing appear as indirect.
Why are you looking at this plan?
Source: U.S. Department of Labor, Form 5500 series, EIN 436003713 · Verify on EFAST2 · Amounts are as reported by the plan sponsor for the plan year shown.