First State Bank of St. Charles Missouri 401(k) Plan

Reviewed by PlainRetire Editorial, Retirement Plans Editorial Team · June 18, 2026

ERISA Form 5500 plan record drawn from DOL EBSA — verify with linked source filings below.

Sponsored by First State Bank of St. Charles Missouri · Missouri · Finance & Insurance

What the 2023 filing shows

First State Bank of St. Charles Missouri 401(k) Plan holds $21M for 235 participants — about $87,948 per participant, down 10.3% over the 2022 plan year.

$21M
total plan assets (2022 EOY): 235
covered participants: $87,948
avg assets per participant: -10.3%
assets change YoY

The plan reported a net loss of $2M for the year — a single-year figure driven by markets and benefit payments, not a measure of plan health.

Total Assets (2023)

$21M

Participants

235

State

Missouri

Industry

Finance & Insurance

What the Filing Says About First State Bank of St. Charles Missouri 401(k) Plan

First State Bank of St. Charles Missouri 401(k) Plan is a 401(k) retirement plan sponsored by First State Bank of St. Charles Missouri, headquartered in Missouri. As of the 2022 Form 5500 filing, the plan reports $21M in total end-of-year assets and covers 235 participants across the Finance & Insurance industry. The sponsor's EIN on file with the U.S. Department of Labor is 430492450, and the plan has been effective since 1992-07-01. Its filing status is currently FILING RECEIVED.

Year over year, total assets moved from $23M at the beginning of 2022 to $21M at year-end — a decline of 10.3%. Net assets (after liabilities) closed the year at $21M, with reported net income of $-2,363,540 driven by investment returns, contributions received, and benefit payments during the period. These figures reflect what the plan administrator certified on Schedule H or Schedule I of the Form 5500 annual return and can be compared against 2 prior plan-year filings from the same sponsor shown below.

Asset totals and participant counts reflect a single plan year snapshot and can change materially with market conditions, plan mergers, or workforce changes. Fields such as "net income" include both realized investment performance and contribution/distribution flows — a single-year figure does not by itself indicate plan health or participant outcomes. This page summarizes public DOL disclosures for research and educational purposes only and is not retirement, tax, legal, or financial advice. Before making decisions about your own retirement benefits or evaluating an employer's plan, verify the underlying filing directly via the DOL EFAST2 system and consult a qualified professional.

Financial Summary (2023)

Total Assets (Beginning of Year)	$23M
Total Assets (End of Year)	$21M
Net Assets (End of Year)	$21M
Net Income	$-2,363,540
Plan Type	401(k)
Employer EIN	430492450
Plan Effective Date	1992-07-01
Filing Status	FILING RECEIVED

Sponsor Plan History (First State Bank of St. Charles Missouri)

Year	Plans	Participants	Total Assets
2022	2	459	$31M
2023	2	402	$34M
2024	2	358	$36M

Nearby 401(k) Plans in Missouri

Peer 401(k) plans — same state, same plan type — ranked by total assets.

Edward D. Jones & Co. Profit Sharing and 401(k) Plan $10.6B · 49,944
Bayer Corporation Savings and Retirement Plan $10.3B · 19,273
Enterprise Holdings Retirement Savings Plan $5.6B · 66,210
Centene Management Corporation Retirement Plan $4.0B · 53,822
Emerson Electric Company Employee Savings Investment Plan $3.6B · 10,316

Compare First State Bank of St. Charles Missouri… side-by-side with 3 peers →

Related Data

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Frequently Asked Questions

How much money is in the First State Bank of St. Charles Missouri 401(k) Plan? ▼

As of the 2022 Form 5500 filing, First State Bank of St. Charles Missouri 401(k) Plan holds $21M in total assets with 235 participants. It is sponsored by First State Bank of St. Charles Missouri.

What type of plan is First State Bank of St. Charles Missouri 401(k) Plan? ▼

First State Bank of St. Charles Missouri 401(k) Plan is a 401(k) plan. It has been effective since 1992-07-01. The plan is filed with the U.S. Department of Labor under EIN 430492450.

Who sponsors the First State Bank of St. Charles Missouri 401(k) Plan? ▼

First State Bank of St. Charles Missouri 401(k) Plan is sponsored by First State Bank of St. Charles Missouri, located in Missouri. The sponsor's EIN is 430492450 and the plan operates in the Finance & Insurance industry.

How did First State Bank of St. Charles Missouri 401(k) Plan perform in 2022? ▼

First State Bank of St. Charles Missouri 401(k) Plan declined by 10.3% during 2022, moving from $23M to $21M in total assets. Net income was $-2,363,540.

Where can I find official filings for First State Bank of St. Charles Missouri 401(k) Plan? ▼

Official Form 5500 filings for First State Bank of St. Charles Missouri 401(k) Plan are available through the U.S. Department of Labor's EFAST2 system. Search by EIN 430492450 or plan name at efast.dol.gov.

How does First State Bank of St. Charles Missouri 401(k) Plan compare to other plans? ▼

You can compare First State Bank of St. Charles Missouri 401(k) Plan against other 401(k) plans on the plan type page, or view plans in Missouri on the state page. PlainRetire tracks the 5,000 largest retirement plans in the U.S. by total assets.