Kansas › Finance and insurance › 500 to 999 participants
Form 5500 statement · plan year 1 Oct 2024 to 30 Sep 2025
Capitol Federal Financial, Inc. Employee Stock Ownership Plan
Sponsored by Capitol Federal Financial, Inc., Topeka, KS
Form 5500 information is as filed by the plan administrator with the Department of Labor and may be amended. Figures reflect the plan year shown, not current balances. Form 5500 contains no individual account balances. Look up the original filing at EFAST2.
In the plan year ending 30 Sep 2025, Capitol Federal Financial, Inc. Employee Stock Ownership Plan covered 682 participants and held $11.4M in net assets. The plan is an employee stock ownership plan sponsored by Capitol Federal Financial, Inc. of Topeka, Kansas.
Net assets came to $16,742 per participant, well below the $46,267 median for defined contribution plans with 500 to 999 participants and well below the $92,294 median for defined contribution plans in finance and insurance. The figure is an average across everyone in the plan, including former employees with small balances; Form 5500 holds no individual account data.
The employer contributed $1.7M during the year, or $3,307 per active participant against a same-size median of $1,934; participants contributed —. Benefits paid out totalled $2.4M.
Schedule C lists 3 service provider organisations paid $5,000 or more, with reported compensation of $63K: $92.32 per participant, below the same-size median of $113. Administrative expenses charged to the plan were $63K. Schedule C does not capture every cost: fees netted from fund returns and fees the employer pays directly are outside it.
Across the filings on record, net assets went from $55.5M in 2010 to $11.4M in 2024 (down 79%), and participants from 649 to 682 (up 5%).
The independent accountant's opinion on the financial statements was unmodified (unqualified).
Compared with similar plans
| Measure | This plan | Same size | Same industry | All US DC plans |
|---|---|---|---|---|
| Net assets per participant | $16,742 | $46,267 | $92,294 | $53,102 |
| Employer contributions per active participant | $3,307 | $1,934 | $3,564 | $2,175 |
| Schedule C compensation per participant | $92.32 | $113 | $137 | $123 |
| Schedule C compensation, share of net assets | 0.55% | 0.25% | 0.17% | 0.26% |
| Administrative expenses per participant | $92.32 | $109 | $130 | $116 |
Peer columns are medians for plan year 2024 across defined contribution plans with 100 or more participants: 500 to 999 participants (10,588 plans), finance and insurance (4,391) and all US plans (63,460). Fee medians cover plans that report an amount.
Trend by plan year
| Plan year | Participants | Net assets | Per participant | Employer contributions | Participant contributions | Schedule C compensation |
|---|---|---|---|---|---|---|
| 2024 | 682 | $11.4M | $16,742 | $1.7M | — | $63K |
| 2023 | 659 | $7.5M | $11,341 | $1.7M | — | $47K |
| 2022 | 511 | −$731K | −$1,431 | $760K | — | $7,000 |
| 2021 | 791 | $24.4M | $30,858 | $263K | — | $97K |
| 2020 | 800 | $47.0M | $58,710 | — | — | $4,000 |
| 2019 | 848 | $30.9M | $36,461 | $0 | $0 | $93K |
| 2018 | 713 | $66.8M | $93,631 | $0 | $0 | $4,000 |
| 2017 | 716 | $61.0M | $85,209 | $0 | $0 | $58K |
| 2016 | 613 | $78.4M | $127,858 | $0 | $0 | $61K |
| 2015 | 623 | $74.6M | $119,761 | $0 | $0 | $61K |
| 2014 | 603 | $60.5M | $100,254 | $0 | $0 | $55K |
| 2013 | 616 | $64.5M | $104,769 | $83K | $0 | $61K |
| 2012 | 623 | $72.4M | $116,241 | $2.5M | $0 | $57K |
| 2011 | 638 | $67.1M | $105,174 | $2.6M | $0 | $50K |
| 2010 | 649 | $55.5M | $85,579 | $1.4M | $0 | $41K |
Years in which the plan filed the full Form 5500 with 100 or more participants, from 2009. Plan year is the year in which the plan year began.
Statement for the year
- Net assets, beginning of year$7,474,023
- Employer contributions$1,735,931
- Participant contributions—
- Rollovers and other contributions—
- Total contributions$1,735,931
- Total income, including investment results$7,459,934
- Benefits paid$2,389,487
- Administrative expenses$62,961
- Total expenses$3,516,214
- Net income$3,943,720
- Net transfers$0
- Net assets, end of year$11,417,743
Participants
- Active participants525
- Retired or separated, receiving benefits0
- Retired or separated, entitled to future benefits155
- Participants with account balances598
- Total participants, end of year682
Fees and service providers
| Organisation | Services reported | Direct | Indirect |
|---|---|---|---|
| Greatbanc Trust Co. | Trustee (bank, trust company, or similar financial institution) | $32,000 | $0 |
| Oneamerica Retirement Services LLC | Recordkeeping and information management; Copying and duplicating; Participant communication | $30,961 | $0 |
| Matrix Trust Company | Custodial (securities) | $0 | $0 |
Schedule C, Part I line 2: providers that received $5,000 or more, with the form's own service codes. Individuals named on Schedule C (plan employees, individual trustees) are never shown and their compensation is excluded. Eligible indirect compensation disclosed by formula carries no dollar amount. See how to read Schedule C fees.
Administrative expenses on Schedule H
- Investment advisory and management fees$32,000
- Recordkeeping fees$30,961
- Total administrative expenses$62,961
Investment structure
Assets at year end by Schedule H category. The form shows the kind of vehicle holding the money, not the funds on the menu.
- Employer securities$42.6M · 100.0%
Audit and compliance answers, as filed
- Accountant's opinionUnmodified (unqualified)
- Audit scope limited under ERISA section 103(a)(3)(C)No
- Accounting firmSSC CPAS, P.A.
- Participant contributions reported as transmitted lateNo
- Covered by a fidelity bondYes, $20,000,000
- Blackout period during the yearNo
These are the plan administrator's own answers on Schedule H, Part IV. A reported late transmittal is the filer's disclosure of a timing lapse, usually corrected through the Department of Labor's voluntary program; the amount is the total involved, not a loss.
Plan characteristics
2EProfit-sharing plan2IStock bonus2PLeveraged ESOP
Codes entered on Form 5500 line 8a, with the labels from the official instructions. Business code 522120: Savings Institutions.
Other plans of Capitol Federal Financial, Inc.
| Plan | Participants | Net assets |
|---|---|---|
| Capitol Federal 401(k) Plan | 859 | $35.3M |
Similar plans in Kansas
| Plan | Sponsor | Participants | Net assets | Per participant |
|---|---|---|---|---|
| QC Financial Services 401(k) Retirement Plan | QC Financial Services, LLC | 776 | $20.3M | $26,171 |
| Leaderone Financial Corp. 401(k) Profit Sharing Plan | Leaderone Financial Corp. | 636 | $35.1M | $55,265 |
| Integra Technologies Employee Stock Ownership Plan | Integra Technologies | 782 | $140M | $179,124 |
| Fidelity Companies Employee Retirement Plan | Fidelity Bank | 588 | $57.2M | $97,197 |
| Capitol Federal 401(k) Plan | Capitol Federal Financial, Inc. | 859 | $35.3M | $41,107 |
| Emprise Bank 401(k) Plan | Emprise Bank | 583 | $54.2M | $92,909 |
Defined contribution plans in finance and insurance closest in size.
Questions and answers
How big is Capitol Federal Financial, Inc. Employee Stock Ownership Plan?
682 participants at the end of the plan year ending 30 Sep 2025, of whom 525 were active employees, with net assets of $11,417,743. Among defined contribution plans that places it in the 500 to 999 participants band, which held 10,588 plans in plan year 2024.
What does Capitol Federal Financial, Inc. contribute per participant?
The filing reports $1,735,931 in employer contributions for the year, which is $3,307 per active participant; the median for plans of the same type and size was $1,934 in plan year 2024. Form 5500 reports the total only. It does not state the match formula, and the per-participant figure is an average, not any one person's contribution.
What fees does the plan pay and how do they compare?
Schedule C reports $62,961 in compensation to service provider organisations, $92.32 per participant or 0.55% of net assets. The same-size median among plans reporting any Schedule C compensation was $113 per participant. Administrative expenses on Schedule H were $62,961. Investment costs deducted inside mutual funds and other pooled vehicles are not itemised on Form 5500, so these figures are a floor rather than a full cost.
Who runs the plan?
The sponsor is Capitol Federal Financial, Inc.. Recordkeeping or administration: Oneamerica Retirement Services LLC. Trustee or custodian: Greatbanc Trust Co. and Matrix Trust Company. The financial statements were audited by SSC CPAS, P.A.. Form 5500 also names the plan administrator's signer and other individuals; this site publishes organisations only.
Was the audit opinion unqualified?
The filing reports an unmodified (unqualified) opinion. Unmodified (formerly "unqualified") is the standard clean opinion.
How current is this, and does it show my balance?
This is the Form 5500 for the plan year 1 Oct 2024 to 30 Sep 2025, received by the Department of Labor on 14 Jul 2026. Filings are due seven months after the plan year ends, or nine and a half with an extension, so the public record always runs a year or more behind. It contains plan-level totals only: no individual balances, contributions or names of participants exist in the data.
Provenance
Source: U.S. Department of Labor, Employee Benefits Security Administration, Form 5500 research files (Form 5500, Schedule H, Schedule C) for plan years 2009 to 2025, public domain, with filings received through 24 Aug 2026. This page shows the latest filing on record for EIN 27-2631712, plan 003, received 14 Jul 2026; an amended filing replaces it at the next build. Medians and percentiles are computed by this site; see the methodology. Report an error through corrections.