# The Royal Banks Of Missouri Health & Welfare Plan
Source: https://planprovider.pro/companies/the-royal-banks-of-missouri-430818100-501

> The Royal Banks Of Missouri's Health & Welfare plan: 93 participants, plan year 2025 financials, providers, and benchmarks from Form 5500.

Form 5500 filing data for plan year 2025.

## Plan Snapshot

- **Plan Sponsor:** The Royal Banks Of Missouri

- **Sponsor EIN:** 430818100

- **Sponsor Address:** 3330 RIDER TRAIL SOUTH, EARTH CITY, MO, 63045

- **Plan Type:** Health & Welfare

- **Plan Number:** 501

- **Total Participants:** 93

- **Total Assets:** $332,028

## Key Plan Design Features

- **Auto-Enrollment:** No

- **Auto-Escalation:** No

- **Allows Roth Contributions:** No

- **Participant Loans:** No

- **Participant-Directed Investments:** No

- **ERISA Section 404(c) Fiduciary Safe Harbor:** No

## Plan Financials by Year

| Year|Participants|Total Assets|Employer Contrib.|Employee Contrib.|

| 2025|93|$332,028|$0|$0|

| 2024|93|$32,819|$979,611|$234,453|

| 2023|102|$67,161|$796,028|$209,376|

| 2022|92|$139,230|$183,594|$48,869|

## Service Providers (Schedule C)

Vendors paid $5,000 or more for services to the plan, ranked by total compensation (direct + indirect fees).

| Provider Name|
Role|
Direct Compensation|
Indirect Compensation|
Total Fees|

| UMR|Other Service Provider|$65,644|—|$65,644|

| ASSURED PARTNERS|Investment Advisor|$32,366|—|$32,366|

| THE BENECON GROUP, LLC|Investment Advisor|$28,770|—|$28,770|

## Plan Fees & Expenses

Annual service provider fees and administrative expenses sourced from DOL Form 5500 filings.

- **Total Service Provider Fees:** $126,780

- **Estimated Expense Ratio:** 38.184% of plan assets

### Historical Administrative Expenses

Breakdown of administrative expense categories reported on Form 5500 filings.

| Year|
Total Admin Expenses|
Investment Mgmt Fees|
Contract Admin Fees|
IQPA Audit Fees|
Professional Fees|

| 2025|$1,199,830|—|—|—|—|

| 2024|$1,303,953|—|—|—|—|

| 2023|$1,018,853|—|—|—|—|

| 2022|$193,324|—|—|—|—|

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