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Sponsor portfolio

FIRST STATE BANK OF ST. CHARLES

EIN 43-0492450-banking-Latest filing 2025
Plans
3
Retirement
2
$41.3M assets
Welfare
1
$1.8M premiums
Participants
568
206 N 5TH ST - SAINT CHARLES, MO 633011852636-940-5555fsbfinancial.comLinkedIn201-500 employeesbanking
Plans on this EIN
3 filings
#002401k-$29.5M - 204 part#001ESOP-$11.9M - 193 part#504Fully Insured-$1.8M - 300 lives

Retirement portfolio analytics

2 plans aggregated / $41.3M assets / 397 participants

Assets by plan

Share of aggregate retirement assets

71%top
  • CHARLES MISSOURI 401(K) (#002)71%
  • EMPLOYEE STOCK OWNERSHIP (#001)29%
Total $41.3MClick slice to drill in

Participants by plan

Active + retired + deferred vested

  • CHARLES MISSOURI 401(K) (#002)204
  • EMPLOYEE STOCK OWNERSHIP (#001)193
Total 397Click row to drill in

Benefits portfolio analytics

1 plan / $1.8M premiums / 300 covered lives

Coverage by line

Premium dollars by benefit type (bundled lines overlap)

  • Health$1.7M
  • Dental$1.7M
  • Vision$1.7M
  • Life$39K
  • Other$39K
  • Long-term disability$29K
  • +1 more
Total $1.8M7 rows

Carrier market share

Premium dollars by Schedule A carrier

Multi-vendor
96%top
  • UNITEDHEALTHCARE INSURANCE COMPANY96%
  • LIFE INSURANCE COMPANY OF NORTH AMERICA4%
Total $1.8M2 slices

Broker market share

Schedule A broker compensation

Single broker
100%top
  • MARSH & MCLENNAN AGENCY LLC100%
Total $61K1 slice

Plan deep-dives

Per-plan teasers. The full analytics (fees vs peers, audit grade, trajectory, counterparties) live on each plan detail page.
Retirement#002

FIRST STATE BANK OF ST. CHARLES MISSOURI 401(K) PLAN

401k

Assets$29.5M
Participants204
Inside the deep dive
Fees vs peersAudit gradeAsset trajectoryContributionsSch C providers
Open plan deep dive
Retirement#001

FIRST STATE BANK OF ST. CHARLES EMPLOYEE STOCK OWNERSHIP PLAN

ESOP

Assets$11.9M
Participants193
Inside the deep dive
Fees vs peersAudit gradeAsset trajectoryContributionsSch C providers
Open plan deep dive
Welfare#504

FIRST STATE BANK OF ST. CHARLES HEALTH AND WELFARE BENEFITS PLAN

Fully Insured - UNITEDHEALTHCARE INSURANCE COMPANY

Premiums$1.8M
Covered lives300
Inside the deep dive
Premium breakdownCarriersBrokersCoverage stats
Open plan deep dive

Retirement plans2

Plan #NameTypeAssetsParticipantsLatest year
002FIRST STATE BANK OF ST. CHARLES MISSOURI 401(K) PLAN401k$29.5M2042025
001FIRST STATE BANK OF ST. CHARLES EMPLOYEE STOCK OWNERSHIP PLANESOP$11.9M1932025

Welfare plans1

Plan #NameFundingCarrierPremiumsCoveredLatest year
504FIRST STATE BANK OF ST. CHARLES HEALTH AND WELFARE BENEFITS PLANFully InsuredUNITEDHEALTHCARE INSURANCE COMPANY$1.8M3002024
Retirement plans
Welfare plans
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