Employers › Enterprise Financial Services
Recordkeeping fees per participant · Efsc Incentive Savings Plan · plan year 2024
$107.18
Higher than 77% of the 5,847 plans $50 to 250M that report it.
= $179,532 / 1,675
Schedule H, line 2i(3); OTH_RECORDKEEPING_FEES_AMT pos 160; filing 20250710150120NAL0003595043002, received 2025-07-10
participants_with_balance: Form 5500, line 6g(2); PARTCP_ACCOUNT_BAL_CNT pos 78; filing 20250710150120NAL0003595043002, received 2025-07-10
Percentiles compare this plan with the Schedule H plans $50 to 250M in assets of the same plan year, excluding final filings; shown only where at least 50 comparable plans report the figure. Plan year 2024-01-01 to 2024-12-31, filing received 2025-07-10.
Administrative expenses excluding investment management, per participant
$107.18
Higher than 58% of the 8,758 plans $50 to 250M that report it.
= $179,532 / 1,675
derived, admin_expenses (2i(12)) minus invst_mgmt_fees (2i(5)), floored at 0; filing 20250710150120NAL0003595043002, received 2025-07-10
participants_with_balance: Form 5500, line 6g(2); PARTCP_ACCOUNT_BAL_CNT pos 78; filing 20250710150120NAL0003595043002, received 2025-07-10
Administrative expenses per participant
$107.18
Higher than 39% of the 9,042 plans $50 to 250M that report it.
= $179,532 / 1,675
Schedule H, line 2i(12) total administrative expenses; TOT_ADMIN_EXPENSES_AMT pos 109; filing 20250710150120NAL0003595043002, received 2025-07-10
participants_with_balance: Form 5500, line 6g(2); PARTCP_ACCOUNT_BAL_CNT pos 78; filing 20250710150120NAL0003595043002, received 2025-07-10
Administrative expenses as a share of assets
0.095%
Higher than 36% of the 9,049 plans $50 to 250M that report it.
= $179,532 / $189,167,135
Schedule H, line 2i(12) total administrative expenses; TOT_ADMIN_EXPENSES_AMT pos 109; filing 20250710150120NAL0003595043002, received 2025-07-10
assets_eoy: Schedule H, Part I line 1f col (b); TOT_ASSETS_EOY_AMT pos 61; filing 20250710150120NAL0003595043002, received 2025-07-10
Employer contributions per participant
$4,127
Higher than 70% of the 9,105 plans $50 to 250M that report it.
= $6,913,391 / 1,675
Schedule H, Part II line 2a(1)(A); EMPLR_CONTRIB_INCOME_AMT pos 68; filing 20250710150120NAL0003595043002, received 2025-07-10
participants_with_balance: Form 5500, line 6g(2); PARTCP_ACCOUNT_BAL_CNT pos 78; filing 20250710150120NAL0003595043002, received 2025-07-10
Employer share of total contributions
32.4%
Higher than 59% of the 9,112 plans $50 to 250M that report it.
= $6,913,391 / $21,370,260
Schedule H, Part II line 2a(1)(A); EMPLR_CONTRIB_INCOME_AMT pos 68; filing 20250710150120NAL0003595043002, received 2025-07-10
total_contrib: Schedule H, line 2a(3); TOT_CONTRIB_AMT pos 72; filing 20250710150120NAL0003595043002, received 2025-07-10
Employer match
“The Company makes Safe Harbor matching contributions equal to 100% of the first 6% of a participant’s compensation contributed into the Plan.”
Form 11-K filed 2026-06-25, for the year ended 2025-12-31 · plan description note, contributions · source document
Vesting
“Participants vest in Safe Harbor matching contributions and employer matching contributions according to a two-year graded schedule and are 50% vested after one year of service and 100% vested after two years of service, upon reaching early or normal retirement, or upon total and permanent disability or death.”
Form 11-K filed 2026-06-25, for the year ended 2025-12-31 · plan description note, vesting · source document
Automatic enrollment
“New employees are automatically enrolled at 3%, unless an alternative amount or an election to not defer under the Plan is made by the participant.”
Form 11-K filed 2026-06-25, for the year ended 2025-12-31 · plan description note, contributions · source document
Terms quoted from the filing for the year ended 2025-12-31. Figures cover plan year 2024. The plan document governs.
2E profit-sharing · 2F ERISA 404(c) plan · 2G fully participant-directed · 2J 401(k) feature · 2K 401(m) arrangement · 2T default investment (QDIA) · 3D IRS pre-approved plan · 3H controlled-group sponsor · Form 5500, line 8a; TYPE_PENSION_BNFT_CODE pos 81; filing 20250710150120NAL0003595043002, received 2025-07-10
| Field | Value | Source |
|---|---|---|
| Plan sponsor | ENTERPRISE FINANCIAL SERVICES CORP | Form 5500, Part II line 2a; SPONSOR_DFE_NAME pos 19; filing 20250710150120NAL0003595043002, received 2025-07-10 |
| Plan name | EFSC INCENTIVE SAVINGS PLAN | Form 5500, line 1a; PLAN_NAME pos 16; filing 20250710150120NAL0003595043002, received 2025-07-10 |
| Sponsor EIN / plan number | 43-1706259 / 001 | Form 5500, line 2b; SPONS_DFE_EIN pos 44; filing 20250710150120NAL0003595043002, received 2025-07-10 |
| Plan type | single-employer | Form 5500, Part I line A; TYPE_PLAN_ENTITY_CD pos 4; filing 20250710150120NAL0003595043002, received 2025-07-10 |
| Sponsor location | CLAYTON, MO | Form 5500, line 2a; SPONS_DFE_MAIL_US_STATE pos 25; filing 20250710150120NAL0003595043002, received 2025-07-10 |
| Industry (business code) | 522110, Finance and insurance | Form 5500, line 2d; BUSINESS_CODE pos 46; filing 20250710150120NAL0003595043002, received 2025-07-10 |
| Plan year | 2024-01-01 to 2024-12-31 | Form 5500, Part I plan year; FORM_PLAN_YEAR_BEGIN_DATE pos 2; filing 20250710150120NAL0003595043002, received 2025-07-10 |
| Filing received | 2025-07-10 | Form 5500, EFAST2 receipt date; DATE_RECEIVED pos 102; filing 20250710150120NAL0003595043002, received 2025-07-10 |
| Final filing | no | Form 5500, Part I line B; FINAL_FILING_IND pos 8; filing 20250710150120NAL0003595043002, received 2025-07-10 |
| Amended filing | no | Form 5500, Part I line B; AMENDED_IND pos 7; filing 20250710150120NAL0003595043002, received 2025-07-10 |
| Participants, beginning of year | 1,678 | Form 5500, line 5; TOT_PARTCP_BOY_CNT pos 71; filing 20250710150120NAL0003595043002, received 2025-07-10 |
| Active participants | 1,251 | Form 5500, line 6a(2); TOT_ACTIVE_PARTCP_CNT pos 72; filing 20250710150120NAL0003595043002, received 2025-07-10 |
| Participants, end of year | 1,705 | Form 5500, line 6f; TOT_ACT_RTD_SEP_BENEF_CNT pos 77; filing 20250710150120NAL0003595043002, received 2025-07-10 |
| Participants with an account balance | 1,675 | Form 5500, line 6g(2); PARTCP_ACCOUNT_BAL_CNT pos 78; filing 20250710150120NAL0003595043002, received 2025-07-10 |
| Total assets, beginning of year | $160,354,790 | Schedule H, Part I line 1f col (a); TOT_ASSETS_BOY_AMT pos 30; filing 20250710150120NAL0003595043002, received 2025-07-10 |
| Total assets, end of year | $189,167,135 | Schedule H, Part I line 1f col (b); TOT_ASSETS_EOY_AMT pos 61; filing 20250710150120NAL0003595043002, received 2025-07-10 |
| Net assets, end of year | $189,167,135 | Schedule H, line 1l col (b); NET_ASSETS_EOY_AMT pos 67; filing 20250710150120NAL0003595043002, received 2025-07-10 |
| Total income | $43,409,492 | Schedule H, Part II line 2d; TOT_INCOME_AMT pos 97; filing 20250710150120NAL0003595043002, received 2025-07-10 |
| Net income | $28,812,345 | Schedule H, line 2k; NET_INCOME_AMT pos 111; filing 20250710150120NAL0003595043002, received 2025-07-10 |
| Employer contributions | $6,913,391 | Schedule H, Part II line 2a(1)(A); EMPLR_CONTRIB_INCOME_AMT pos 68; filing 20250710150120NAL0003595043002, received 2025-07-10 |
| Participant contributions | $10,281,915 | Schedule H, line 2a(1)(B); PARTICIPANT_CONTRIB_AMT pos 69; filing 20250710150120NAL0003595043002, received 2025-07-10 |
| Other contributions (incl. rollovers) | $4,174,954 | Schedule H, line 2a(1)(C); OTH_CONTRIB_RCVD_AMT pos 70; filing 20250710150120NAL0003595043002, received 2025-07-10 |
| Total contributions | $21,370,260 | Schedule H, line 2a(3); TOT_CONTRIB_AMT pos 72; filing 20250710150120NAL0003595043002, received 2025-07-10 |
| Benefit payments | $14,399,963 | Schedule H, line 2e(4); TOT_DISTRIB_BNFT_AMT pos 101; filing 20250710150120NAL0003595043002, received 2025-07-10 |
| Total expenses (incl. benefit payments) | $14,597,147 | Schedule H, line 2j; TOT_EXPENSES_AMT pos 110; filing 20250710150120NAL0003595043002, received 2025-07-10 |
| Total administrative expenses | $179,532 | Schedule H, line 2i(12) total administrative expenses; TOT_ADMIN_EXPENSES_AMT pos 109; filing 20250710150120NAL0003595043002, received 2025-07-10 |
| Recordkeeping fees | $179,532 | Schedule H, line 2i(3); OTH_RECORDKEEPING_FEES_AMT pos 160; filing 20250710150120NAL0003595043002, received 2025-07-10 |
| Administrative expenses excluding investment management | $179,532 | derived, admin_expenses (2i(12)) minus invst_mgmt_fees (2i(5)), floored at 0; filing 20250710150120NAL0003595043002, received 2025-07-10 |
| Held in common/collective trusts | $112,184,161 | Schedule H, line 1c(9) col (b); INT_COMMON_TR_EOY_AMT pos 51; filing 20250710150120NAL0003595043002, received 2025-07-10 |
| Held in mutual funds | $66,005,355 | Schedule H, line 1c(13) col (b); INT_REG_INVST_CO_EOY_AMT pos 55; filing 20250710150120NAL0003595043002, received 2025-07-10 |
| Independent auditor | ARMANINO LLP | Schedule H, Part III line 3a; ACCOUNTANT_FIRM_NAME pos 116; filing 20250710150120NAL0003595043002, received 2025-07-10 |
Position = column in the DOL layout for form year 2024. Filing 20250710150120NAL0003595043002, received 2025-07-10.
| Provider | Relationship | Service codes | Direct compensation | Indirect |
|---|---|---|---|---|
| EPIC RETIREMENT PLAN SERVICESrecordkeeper | NONE | 15 Recordkeeping and information management; 37 Participant loan processing; 38 Participant communication | $179,532 | no |
| CHARLES SCHWAB TRUST BANK | NONE | 19 Custodial (securities) | $6 | yes |
| CHARLES SCHWAB & CO., INC. | NONE | 59 Shareholder servicing fees | $0 | yes |
Schedule C Part I line 2: name (a), service codes (b), relationship (c), direct compensation paid by the plan (d), indirect compensation received (e). Filing 20250710150120NAL0003595043002, received 2025-07-10.
| Figure | 2023 | 2024 | Change |
|---|---|---|---|
| Total assets | $160,354,790 | $189,167,135 | 18.0% |
| Participants with a balance | 1,638 | 1,675 | 2.3% |
| Administrative expenses | $163,694 | $179,532 | 9.7% |
| Recordkeeping fees per participant | $99.94 | $107.18 | 7.3% |
| Employer contributions | $6,503,908 | $6,913,391 | 6.3% |
Prior filing 20240724075418NAL0007274675001, received 2024-07-24; the plan years are contiguous.
Sponsor name as filed: ENTERPRISE FINANCIAL SERVICES CORP; SEC registrant: ENTERPRISE FINANCIAL SERVICES CORP (CIK 1025835, matched by EIN; display name from the Form 11-K cover).