First State Bank of St. Charles Missouri 401(k) match, vesting and fees
What First State Bank of St. Charles Missouri's 401(k) plan says about matching contributions
Plan features
Match, vesting and enrollment details have not been published from this plan's audit report yet. The figures below come from the structured filing.
| Independent auditor | Clifton Larson Allen, LLP (unmodified opinion, limited scope) | Schedule H ↗ |
| Plan type and status | 401(k) · Active | Form 5500 ↗ |
How the plan compares
Plan year 2025 medians for 1,478 defined-contribution plans in finance and insurance with 100 to 499 participants.
| First State Bank of St. Charles Missouri: employer contribution per participant | $3,314 | |
| Peer median | $3,122 |
| First State Bank of St. Charles Missouri: average balance | $149,546 | |
| Peer median | $111,687 |
| First State Bank of St. Charles Missouri: admin expenses ÷ assets | 0.14% | |
| Peer median | 0.20% |
Admin expenses are the plan's reported administrative expenses divided by its assets; they do not include fund expense ratios.
Plan history
Plan assets went from $23M at the end of plan year 2021 to $29.5M at the end of plan year 2025.
| Plan year | Participants | Assets | Employer contributions | Per participant | Admin expense ratio | Match formula | Filing |
|---|---|---|---|---|---|---|---|
| 2025 | 204 | $29.5M | $653K | $3,314 | 0.14% | Not published | Form 5500 ↗ |
| 2024 | 200 | $25.2M | $616K | $3,142 | 0.16% | Not published | Form 5500 ↗ |
| 2023 | 209 | $23.3M | $789K | $3,869 | 0.16% | Not published | Form 5500 ↗ |
| 2022 | 227 | $20.7M | $1M | $4,491 | 0.10% | Not published | Form 5500 ↗ |
| 2021 | 267 | $23M | $952K | $3,719 | 0.05% | Not published | Form 5500 ↗ |
Other First State Bank of St. Charles Missouri plans (1)
Each plan files its own Form 5500. Figures are from each plan's latest filing.
First State Bank of St. Charles Employee Stock Ownership Plan
Plan features
Match, vesting and enrollment details have not been published from this plan's audit report yet. The figures below come from the structured filing.
| Recordkeeper | Transition Finance Strategies | Schedule C ↗ |
| Independent auditor | Cliftonlarsonallen LLP (unmodified opinion) | Schedule H ↗ |
| Plan type and status | Retirement · Active | Form 5500 ↗ |
Common questions
Does First State Bank of St. Charles Missouri match 401(k) contributions?
The match terms for the First State Bank of St. Charles Missouri 401(k) Plan have not been published from its filing yet. The plan year 2025 filing reports $653K in employer contributions, about $3,314 per participant. That total includes any match and profit-sharing; it is not a match formula.
When is the First State Bank of St. Charles Missouri 401(k) match vested?
The vesting schedule for the First State Bank of St. Charles Missouri 401(k) Plan is not in the data published so far. Your Summary Plan Description states it.
Who manages the First State Bank of St. Charles Missouri 401(k)?
The filing names 401(k) Safe 3(16), LLC as plan administrator; it does not list a recordkeeper.
I left First State Bank of St. Charles Missouri. How do I find my old 401(k)?
Your account stays in the plan until you move it. Contact the plan administrator (401(k) Safe 3(16), LLC, (256) 849-0585). The First State Bank of St. Charles Missouri old 401(k) page lists the contacts from every plan filing. Find an old First State Bank of St. Charles Missouri 401(k)
Data from the public Form 5500 annual reports First State Bank of St. Charles Missouri filed with the U.S. Department of Labor (plan years 2021 and 2022 and 2023 and 2024 and 2025) and, where noted, the attached independent auditor's report. Plan terms may have changed since the filing; check your current Summary Plan Description. PlanFacts is not affiliated with First State Bank of St. Charles Missouri. Not financial advice. Report a correction · Methodology