Employers › UMB Financial
Recordkeeping fees per participant · UMB Profit Sharing and 401(k) Savings Plan · plan year 2024
$1.99
Higher than 2% of the 1,697 plans $250M to 1B that report it.
= $9,305 / 4,684
Schedule H, line 2i(3); OTH_RECORDKEEPING_FEES_AMT pos 160; filing 20251010113920NAL0008077361001, received 2025-10-10
participants_with_balance: Form 5500, line 6g(2); PARTCP_ACCOUNT_BAL_CNT pos 78; filing 20251010113920NAL0008077361001, received 2025-10-10
Percentiles compare this plan with the Schedule H plans $250M to 1B 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 2025-10-10.
Administrative expenses excluding investment management, per participant
$15.17
Higher than 9% of the 2,324 plans $250M to 1B that report it.
= $71,060 / 4,684
derived, admin_expenses (2i(12)) minus invst_mgmt_fees (2i(5)), floored at 0; filing 20251010113920NAL0008077361001, received 2025-10-10
participants_with_balance: Form 5500, line 6g(2); PARTCP_ACCOUNT_BAL_CNT pos 78; filing 20251010113920NAL0008077361001, received 2025-10-10
Administrative expenses per participant
$30.69
Higher than 11% of the 2,405 plans $250M to 1B that report it.
= $143,739 / 4,684
Schedule H, line 2i(12) total administrative expenses; TOT_ADMIN_EXPENSES_AMT pos 109; filing 20251010113920NAL0008077361001, received 2025-10-10
participants_with_balance: Form 5500, line 6g(2); PARTCP_ACCOUNT_BAL_CNT pos 78; filing 20251010113920NAL0008077361001, received 2025-10-10
Administrative expenses as a share of assets
0.020%
Higher than 11% of the 2,407 plans $250M to 1B that report it.
= $143,739 / $717,575,084
Schedule H, line 2i(12) total administrative expenses; TOT_ADMIN_EXPENSES_AMT pos 109; filing 20251010113920NAL0008077361001, received 2025-10-10
assets_eoy: Schedule H, Part I line 1f col (b); TOT_ASSETS_EOY_AMT pos 61; filing 20251010113920NAL0008077361001, received 2025-10-10
Employer contributions per participant
$3,426
Higher than 56% of the 2,457 plans $250M to 1B that report it.
= $16,045,793 / 4,684
Schedule H, Part II line 2a(1)(A); EMPLR_CONTRIB_INCOME_AMT pos 68; filing 20251010113920NAL0008077361001, received 2025-10-10
participants_with_balance: Form 5500, line 6g(2); PARTCP_ACCOUNT_BAL_CNT pos 78; filing 20251010113920NAL0008077361001, received 2025-10-10
Employer share of total contributions
27.4%
Higher than 38% of the 2,459 plans $250M to 1B that report it.
= $16,045,793 / $58,458,829
Schedule H, Part II line 2a(1)(A); EMPLR_CONTRIB_INCOME_AMT pos 68; filing 20251010113920NAL0008077361001, received 2025-10-10
total_contrib: Schedule H, line 2a(3); TOT_CONTRIB_AMT pos 72; filing 20251010113920NAL0008077361001, received 2025-10-10
98.6% of this plan's assets are held in a master trust. Costs reported at the trust level and allocated by the plan's share: administrative expenses $0 ($30.69 per participant including the plan's own Schedule H). Benchmarks and percentiles use the plan's own Schedule H only.
Employer match
“After satisfying eligibility requirements, the Company matched 50 percent of the first 9 percent of a participant's contributions for both Plan years 2025 and 2024.”
Form 11-K filed 2026-06-24, for the year ended 2025-12-31 · plan description note, contributions · source document
Eligibility
“Employees are eligible to make elective deferral contributions and receive the Company matching contribution upon the first of the month following the date of hire.”
Form 11-K filed 2026-06-24, for the year ended 2025-12-31 · plan description note, eligibility · source document
Vesting
“Participants are vested immediately in their contributions and the Company matching contribution plus actual earnings thereon.”
Form 11-K filed 2026-06-24, for the year ended 2025-12-31 · plan description note, vesting · source document
Terms quoted from the filing for the year ended 2025-12-31. Figures cover plan year 2024. The plan document governs.
2F ERISA 404(c) plan · 2E profit-sharing · 2G fully participant-directed · 2J 401(k) feature · 2K 401(m) arrangement · 2S pre-approved plan document · 2T default investment (QDIA) · 3H controlled-group sponsor · 3D IRS pre-approved plan · Form 5500, line 8a; TYPE_PENSION_BNFT_CODE pos 81; filing 20251010113920NAL0008077361001, received 2025-10-10
| Field | Value | Source |
|---|---|---|
| Plan sponsor | UMB FINANCIAL CORPORATION | Form 5500, Part II line 2a; SPONSOR_DFE_NAME pos 19; filing 20251010113920NAL0008077361001, received 2025-10-10 |
| Plan name | UMB PROFIT SHARING AND 401(K) SAVINGS PLAN | Form 5500, line 1a; PLAN_NAME pos 16; filing 20251010113920NAL0008077361001, received 2025-10-10 |
| Sponsor EIN / plan number | 43-0903811 / 001 | Form 5500, line 2b; SPONS_DFE_EIN pos 44; filing 20251010113920NAL0008077361001, received 2025-10-10 |
| Plan type | single-employer | Form 5500, Part I line A; TYPE_PLAN_ENTITY_CD pos 4; filing 20251010113920NAL0008077361001, received 2025-10-10 |
| Sponsor location | KANSAS CITY, MO | Form 5500, line 2a; SPONS_DFE_MAIL_US_STATE pos 25; filing 20251010113920NAL0008077361001, received 2025-10-10 |
| Industry (business code) | 522110, Finance and insurance | Form 5500, line 2d; BUSINESS_CODE pos 46; filing 20251010113920NAL0008077361001, received 2025-10-10 |
| Plan year | 2024-01-01 to 2024-12-31 | Form 5500, Part I plan year; FORM_PLAN_YEAR_BEGIN_DATE pos 2; filing 20251010113920NAL0008077361001, received 2025-10-10 |
| Filing received | 2025-10-10 | Form 5500, EFAST2 receipt date; DATE_RECEIVED pos 102; filing 20251010113920NAL0008077361001, received 2025-10-10 |
| Final filing | no | Form 5500, Part I line B; FINAL_FILING_IND pos 8; filing 20251010113920NAL0008077361001, received 2025-10-10 |
| Amended filing | no | Form 5500, Part I line B; AMENDED_IND pos 7; filing 20251010113920NAL0008077361001, received 2025-10-10 |
| Participants, beginning of year | 4,790 | Form 5500, line 5; TOT_PARTCP_BOY_CNT pos 71; filing 20251010113920NAL0008077361001, received 2025-10-10 |
| Active participants | 3,665 | Form 5500, line 6a(2); TOT_ACTIVE_PARTCP_CNT pos 72; filing 20251010113920NAL0008077361001, received 2025-10-10 |
| Participants, end of year | 4,758 | Form 5500, line 6f; TOT_ACT_RTD_SEP_BENEF_CNT pos 77; filing 20251010113920NAL0008077361001, received 2025-10-10 |
| Participants with an account balance | 4,684 | Form 5500, line 6g(2); PARTCP_ACCOUNT_BAL_CNT pos 78; filing 20251010113920NAL0008077361001, received 2025-10-10 |
| Total assets, beginning of year | $615,480,447 | Schedule H, Part I line 1f col (a); TOT_ASSETS_BOY_AMT pos 30; filing 20251010113920NAL0008077361001, received 2025-10-10 |
| Total assets, end of year | $717,575,084 | Schedule H, Part I line 1f col (b); TOT_ASSETS_EOY_AMT pos 61; filing 20251010113920NAL0008077361001, received 2025-10-10 |
| Net assets, end of year | $717,575,084 | Schedule H, line 1l col (b); NET_ASSETS_EOY_AMT pos 67; filing 20251010113920NAL0008077361001, received 2025-10-10 |
| Total income | $166,792,429 | Schedule H, Part II line 2d; TOT_INCOME_AMT pos 97; filing 20251010113920NAL0008077361001, received 2025-10-10 |
| Net income | $101,016,474 | Schedule H, line 2k; NET_INCOME_AMT pos 111; filing 20251010113920NAL0008077361001, received 2025-10-10 |
| Employer contributions | $16,045,793 | Schedule H, Part II line 2a(1)(A); EMPLR_CONTRIB_INCOME_AMT pos 68; filing 20251010113920NAL0008077361001, received 2025-10-10 |
| Participant contributions | $36,573,686 | Schedule H, line 2a(1)(B); PARTICIPANT_CONTRIB_AMT pos 69; filing 20251010113920NAL0008077361001, received 2025-10-10 |
| Other contributions (incl. rollovers) | $5,839,350 | Schedule H, line 2a(1)(C); OTH_CONTRIB_RCVD_AMT pos 70; filing 20251010113920NAL0008077361001, received 2025-10-10 |
| Total contributions | $58,458,829 | Schedule H, line 2a(3); TOT_CONTRIB_AMT pos 72; filing 20251010113920NAL0008077361001, received 2025-10-10 |
| Benefit payments | $65,632,216 | Schedule H, line 2e(4); TOT_DISTRIB_BNFT_AMT pos 101; filing 20251010113920NAL0008077361001, received 2025-10-10 |
| Total expenses (incl. benefit payments) | $65,775,955 | Schedule H, line 2j; TOT_EXPENSES_AMT pos 110; filing 20251010113920NAL0008077361001, received 2025-10-10 |
| Total administrative expenses | $143,739 | Schedule H, line 2i(12) total administrative expenses; TOT_ADMIN_EXPENSES_AMT pos 109; filing 20251010113920NAL0008077361001, received 2025-10-10 |
| Contract administrator fees | $600 | Schedule H, line 2i(2); CONTRACT_ADMIN_FEES_AMT pos 106; filing 20251010113920NAL0008077361001, received 2025-10-10 |
| Recordkeeping fees | $9,305 | Schedule H, line 2i(3); OTH_RECORDKEEPING_FEES_AMT pos 160; filing 20251010113920NAL0008077361001, received 2025-10-10 |
| IQPA audit fees | $31,800 | Schedule H, line 2i(4); IQPA_AUDIT_FEES_AMT pos 161; filing 20251010113920NAL0008077361001, received 2025-10-10 |
| Investment advisory and management fees | $72,679 | Schedule H, line 2i(5); INVST_MGMT_FEES_AMT pos 107; filing 20251010113920NAL0008077361001, received 2025-10-10 |
| Administrative expenses excluding investment management | $71,060 | derived, admin_expenses (2i(12)) minus invst_mgmt_fees (2i(5)), floored at 0; filing 20251010113920NAL0008077361001, received 2025-10-10 |
| Held in master trusts | $707,526,594 | Schedule H, line 1c(11) col (b); INT_MASTER_TR_EOY_AMT pos 53; filing 20251010113920NAL0008077361001, received 2025-10-10 |
| Held in common/collective trusts | $0 | Schedule H, line 1c(9) col (b); INT_COMMON_TR_EOY_AMT pos 51; filing 20251010113920NAL0008077361001, received 2025-10-10 |
| Held in mutual funds | $0 | Schedule H, line 1c(13) col (b); INT_REG_INVST_CO_EOY_AMT pos 55; filing 20251010113920NAL0008077361001, received 2025-10-10 |
| Independent auditor | RUBINBROWN LLP | Schedule H, Part III line 3a; ACCOUNTANT_FIRM_NAME pos 116; filing 20251010113920NAL0008077361001, received 2025-10-10 |
Position = column in the DOL layout for form year 2024. Filing 20251010113920NAL0008077361001, received 2025-10-10.
| Provider | Relationship | Service codes | Direct compensation | Indirect |
|---|---|---|---|---|
| CBIZ INVESTMENT ADVISORY SERVICES, | CONSULTANT/INV. ADV. PLAN | 16 Consulting (general); 27 Investment advisory (plan) | $102,034 | no |
| RUBINBROWN LLP | ACCOUNTANT/AUDITOR | 10 Accounting (including auditing) | $31,800 | no |
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 20251010113920NAL0008077361001, received 2025-10-10.
UMB MASTER TRUST (EIN 430903811, PN 200): plan interest $707,526,594, 91.0% of the trust. The trust's own filing (20251010114118NAL0013013904001, received 2025-10-10) reports net assets $777,925,962, administrative expenses $0, recordkeeping fees $0, investment management fees $0 and 1 Schedule C providers.
| Provider (trust level) | Service codes | Paid by the trust | Allocated to this plan |
|---|---|---|---|
| FIDELITY INVESTMENTS INSTITUTIONALrecordkeeper | 60 | $0 | $0 |
Schedule D Part I of the plan's filing; the trust's Schedule H and Schedule C. Allocation = the plan's interest divided by the trust's net assets.
| Figure | 2023 | 2024 | Change |
|---|---|---|---|
| Total assets | $615,480,447 | $717,575,084 | 16.6% |
| Participants with a balance | 4,769 | 4,684 | -1.8% |
| Administrative expenses | $99,716 | $143,739 | 44.1% |
| Recordkeeping fees per participant | $13.33 | $1.99 | -85.1% |
| Employer contributions | $16,072,731 | $16,045,793 | -0.2% |
Prior filing 20241014171820NAL0013677091001, received 2024-10-14; the plan years are contiguous.
Sponsor name as filed: UMB FINANCIAL CORPORATION; SEC registrant: UMB FINANCIAL CORP (CIK 101382, matched by EIN; display name from the Form 10-K cover).