Plan Ledger DOL Form 5500 · updated monthly

Xtra Corporation401(k)

XTRA 401(K) SAVINGS AND RETIREMENT PLAN · ST. LOUIS, MO · plan year 2025

Reported admin expense ratio · 2025
0.15%

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

Xtra Corporation reported $145,929 in plan administrative expenses for 2025: 0.15% of average plan assets, above the peer median. Employer contributions averaged $1,934 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 0.08% to 0.15%. The plan sits in the $50M–$250M size bracket, benchmarked here against 605 comparable plans and shown alongside other management of companies employers. By assets it is the 185th-largest of 1,393 plans among Missouri employers on file, and the 202nd of 786 in management of companies. In 2025, employees put in $4.09 for every $1.00 the employer contributed.

Plan summary
Net assets, end of year$101,504,167
Participants with balances566
Active participants379
Employer contributions$733,137
Employee contributions$2,995,980
Employer contribution per active participant$1,934
Average account balance$179,336
Benefits paid to participants$9,297,661
Plan auditUnmodified (clean) audit opinion
Plan history4
Yearassets · accounts · employer contribution
2025$101.5M · 566 accts · $733K emplr
2024$92.2M · 553 accts · $769K emplr
2023$88.3M · 569 accts · $696K emplr
2022$76.3M · 554 accts · $657K emplr
Administrative expenses, itemized · 2025
Recordkeeping & contract admin$61,476
Audit (IQPA)$29,453
Total administrative$145,929
The Xtra Corporation 401(k) match · 2025
Employer contribution per active participant$1,934
Median for plans this size$4,093
2025$1,934 per active participant
2024$1,976 per active participant
2023$1,861 per active participant
2022$1,804 per active participant

Xtra Corporation's 2025 employer contribution ran below the $4,093 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 2025 administrative ratio, against the median plan its size; fund expense ratios are extra. Compare any plan.

Service providers · 20253
FIDELITY INVESTMENTS INSTITUTIONAL · Loan processing$61,476
ONEDIGITAL INVESTMENT ADVISORS LLC · Investment management$55,000
ARMANINO LLP · Accounting / audit$29,453

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$145,929 · 0.15%
2024$75,860 · 0.08%
2023$41,208 · 0.05%
2022$70,213 · 0.08%
Same employer
Similar plansManagement of Companies · Missouri
Kansas City Southern MO$192.3M · 0.07%
Alberici Corporation MO$181.8M · 0.05%
Ch Holdings USA, Inc. MO$97.6M · 0.09%
McBride & Son Services Co. MO$34.1M · 0.20%

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Source: U.S. Department of Labor, Form 5500 series, EIN 060954158 · Verify on EFAST2 · Amounts are as reported by the plan sponsor for the plan year shown.