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Original filing (PDF)20251010113920NAL0008077361001
UMB FINANCIAL CORPORATION
Form 5500
FILING_RECEIVED
UMB PROFIT SHARING AND 401(K) SAVINGS PLAN
401(k) retirement plan
Signals · 2
98% in single holdingNo recordkeeper disclosed
Active participants
3,665
Accounts w/ balance
4,684
Plan assets (EOY)
$717.6M
Net assets (EOY)
$717.6M
How this plan invests
This plan
1 pooled trust
Schedule D
3 securities
funds · stocks · CUSIPs
Holdings are itemized directly on this plan's Schedule of Assets, below.
Plan health score (directional)
93
/ 100
Grade A
Top-tier plan health
Directional indicator computed from public Form 5500 data — compliance, concentration, cost, vendor stack and participation. Not a fiduciary tool.
Compliance & disclosures
100
Concentration risk
75
Total plan cost
100
Vendor stack
80
Participation health
100
Knocking points off
- Top holding "Various (includes Registered Investment Companies, Employer Securities, * Interest Held in Master Trust" is 98% of plan.
- No recordkeeper disclosed on Schedule C.
Helping the score
- Below-peer total fees (2 bps vs 6 bps peer median).
Decision-maker contacts
CFO / Head of HR / Benefits Manager — verified email + LinkedIn for UMB FINANCIAL CORPORATION.
Plan sponsor
Name
UMB FINANCIAL CORPORATION
EIN
43-0903811
Address
928 GRAND BOULEVARD · KANSAS CITY, MO · 64106
Phone
(816) 860-7000
Industry
Commercial Banking· Finance & Insurancesee all
Plan administrator
Same as plan sponsor.
Plan characteristics
Plan number
001
Plan year
2024
Plan year begin
2024-01-01
Tax period
2024-12-31
Filed
2025-10-10
Pension benefit codes
2F · ERISA section 404(c)
2E · Profit-sharing
2G · Total participant-directed accounts
2J · 401(k) feature
2K · 401(m) arrangement
2S · Automatic enrollment
2T · Default investment account (QDIA)
3H · Sponsor in controlled / affiliated group
3D · Pre-approved plan (master / prototype / VS)
Audit & trust (Schedule H)
Auditor
RUBINBROWN LLP
Trustee / custodian
—
Trustee phone
—
Service providers (Schedule C)
2 rowsAdvisor / Consultant
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| CBIZ INVESTMENT ADVISORY SERVICES, | 81-3968784 | — | CONSULTANT/INV. ADV. PLAN | $102K | — |
Accountant / Auditor
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| RUBINBROWN LLP | 43-0765316 | — | ACCOUNTANT/AUDITOR | $32K | — |
Investments
2 direct securities · 1 pooled fund· $723.9M(100% of reported assets)
Rows tagged as a trust or pooled fund hold many underlying securities. Click one to drill into its own Schedule of Assets — where the individual funds, shares, and CUSIPs live.
Master Trust
$707.5M
1 holding
Uncategorized
$16.4M
2 holdings
| PI | Investment | Type | Shares / units | Cost | Current value | % of plan |
|---|---|---|---|---|---|---|
| UMB MASTER TRUST UMB FINANCIAL CORPORATION · EIN 43-0903811 / PN 200 | Master Trust | — | — | $707.5M | 98.6% | |
| through June 2041 | — | — | — | $8.2M | 1.1% | |
| party interest, collateral, par, or maturity value * Participant Loans Participant Loans | — | — | — | $8.2M | 1.1% |