Terminal Railroad Association of St. Louis 401(k) match, vesting and fees
What Terminal Railroad Association of St. Louis' 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.
| Recordkeeper | Empower Annuity Insurance Company O | Schedule C ↗ |
| Independent auditor | Kerber, Eck & Braeckel 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 713 defined-contribution plans in transportation and warehousing with 100 to 499 participants.
| Terminal Railroad Association of St. Louis: employer contribution per participant | $1,876 | |
| Peer median | $813 |
| Terminal Railroad Association of St. Louis: average balance | $139,223 | |
| Peer median | $22,335 |
| Terminal Railroad Association of St. Louis: admin expenses ÷ assets | 0.02% | |
| Peer median | 0.62% |
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 $26.6M at the end of plan year 2021 to $33.8M at the end of plan year 2025.
| Plan year | Participants | Assets | Employer contributions | Per participant | Admin expense ratio | Match formula | Filing |
|---|---|---|---|---|---|---|---|
| 2025 | 261 | $33.8M | $456K | $1,876 | 0.02% | Not published | Form 5500 ↗ |
| 2024 | 257 | $30M | $451K | $1,912 | 0.02% | Not published | Form 5500 ↗ |
| 2023 | 262 | $26.7M | $492K | $2,074 | 0.02% | Not published | Form 5500 ↗ |
| 2022 | 234 | $23M | $396K | $2,489 | 0.03% | Not published | Form 5500 ↗ |
| 2021 | 215 | $26.6M | $374K | $2,089 | 0.03% | Not published | Form 5500 ↗ |
Other Terminal Railroad Association of St. Louis plans (2)
Each plan files its own Form 5500. Figures are from each plan's latest filing.
Terminal Railroad Association of St. Louis Thrift Plan for Non-Schedule Employees
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.
| Plan type and status | 401(k) · Active | Form 5500 ↗ |
Trra Pension Plan for Nonschedule Employees
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 | Kerber, Eck & Braeckel LLP (unmodified opinion, limited scope) | Schedule H ↗ |
| Plan type and status | Pension (defined benefit) · Active | Form 5500 ↗ |
Common questions
Does Terminal Railroad Association of St. Louis match 401(k) contributions?
The match terms for the Terminal Railroad Association of St. Louis 401(k) Plan for Schedule Employees have not been published from its filing yet. The plan year 2025 filing reports $456K in employer contributions, about $1,876 per participant. That total includes any match and profit-sharing; it is not a match formula.
When is the Terminal Railroad Association of St. Louis 401(k) match vested?
The vesting schedule for the Terminal Railroad Association of St. Louis 401(k) Plan for Schedule Employees is not in the data published so far. Your Summary Plan Description states it.
Who manages the Terminal Railroad Association of St. Louis 401(k)?
The recordkeeper listed on Schedule C of the plan year 2025 filing is Empower Annuity Insurance Company O. The plan administrator is Terminal Railroad Association of St. Louis.
I left Terminal Railroad Association of St. Louis. How do I find my old 401(k)?
Your account stays in the plan until you move it. Contact the plan administrator (Terminal Railroad Association of St. Louis, (314) 889-1094) or the recordkeeper, Empower Annuity Insurance Company O. The Terminal Railroad Association of St. Louis old 401(k) page lists the contacts from every plan filing. Find an old Terminal Railroad Association of St. Louis 401(k)
Data from the public Form 5500 annual reports Terminal Railroad Association of St. Louis 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 Terminal Railroad Association of St. Louis. Not financial advice. Report a correction · Methodology