Missouri › Construction › 500 to 999 participants
Form 5500 statement · plan year 1 Aug 2024 to 31 Jul 2025
Employers and Laborers Locals 100 & 397 Pension Fund
Sponsored by Employers and Laborers Locals 100 & 397 Pension Fund, Saint Louis, MO
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.
Employers and Laborers Locals 100 & 397 Pension Fund of Saint Louis, Missouri sponsors Employers and Laborers Locals 100 & 397 Pension Fund, a defined benefit pension plan. Its Form 5500 for the plan year ending 31 Jul 2025 shows 911 participants (428 active) and $136M in net assets. It is a multiemployer plan, maintained under collective bargaining agreements with more than one employer.
Net assets came to $149,372 per participant, well above the $86,583 median for defined benefit plans with 500 to 999 participants and well above the $100,593 median for defined benefit plans in construction. The figure is an average across everyone in the plan, including former employees with small balances; Form 5500 holds no individual account data.
Employer contributions were $8.0M for the year ($18,576 per active participant) and benefits paid were $8.1M. In a defined benefit plan the employer's contribution follows funding rules rather than a match formula, so it can swing widely from year to year.
Schedule C lists 7 service provider organisations paid $5,000 or more, with reported compensation of $473K: $520 per participant, well above the same-size median of $377. Administrative expenses charged to the plan were $576K. 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 $47.3M in 2009 to $136M in 2024 (up 188%), and participants from 977 to 911 (down 7%).
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 DB plans |
|---|---|---|---|---|
| Net assets per participant | $149,372 | $86,583 | $100,593 | $86,221 |
| Employer contributions per active participant | $18,576 | $10,758 | $13,292 | $10,244 |
| Schedule C compensation per participant | $520 | $377 | $443 | $344 |
| Schedule C compensation, share of net assets | 0.35% | 0.48% | 0.46% | 0.42% |
| Administrative expenses per participant | $632 | $591 | $596 | $527 |
Peer columns are medians for plan year 2024 across defined benefit plans with 100 or more participants: 500 to 999 participants (873 plans), construction (655) and all US plans (5,308). 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 | 911 | $136M | $149,372 | $8.0M | — | $473K |
| 2023 | 861 | $126M | $146,201 | $6.4M | — | $350K |
| 2022 | 841 | $115M | $136,892 | $5.9M | — | $320K |
| 2021 | 851 | $110M | $129,625 | $5.5M | — | $293K |
| 2020 | 824 | $114M | $138,426 | $5.3M | — | $289K |
| 2019 | 818 | $90.8M | $111,039 | $4.7M | $0 | $300K |
| 2018 | 794 | $87.6M | $110,388 | $4.0M | $0 | $270K |
| 2017 | 733 | $85.5M | $116,580 | $3.5M | — | $278K |
| 2016 | 771 | $77.1M | $99,966 | $3.7M | $0 | $360K |
| 2015 | 882 | $72.1M | $81,704 | $3.3M | — | $409K |
| 2014 | 898 | $72.7M | $81,004 | $4.5M | — | $351K |
| 2013 | 901 | $68.5M | $76,026 | $3.8M | — | $348K |
| 2012 | 951 | $63.0M | $66,286 | $4.6M | — | $338K |
| 2011 | 976 | $55.9M | $57,235 | $5.0M | — | $305K |
| 2010 | 961 | $53.7M | $55,850 | $4.6M | — | $278K |
| 2009 | 977 | $47.3M | $48,385 | $4.0M | — | $200K |
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$125,878,882
- Employer contributions$7,950,705
- Participant contributions—
- Rollovers and other contributions—
- Total contributions$7,950,705
- Total income, including investment results$18,895,204
- Benefits paid$8,119,995
- Administrative expenses$575,970
- Total expenses$8,695,965
- Net income$10,199,239
- Net transfers$0
- Net assets, end of year$136,078,121
Participants
- Active participants428
- Retired or separated, receiving benefits319
- Retired or separated, entitled to future benefits91
- Total participants, end of year911
Fees and service providers
| Organisation | Services reported | Direct | Indirect |
|---|---|---|---|
| Ullico Investment Advisors Inc. | Investment management | $132,812 | $0 |
| Ekon Benefits | Actuarial; Recordkeeping and information management; Consulting (pension); Participant communication | $89,100 | $0 |
| Commerce Trust Comapny | Custodial (securities); Investment management; Securities brokerage | $75,890 | $5,442 |
| Monetary Management Group, Inc. | Investment management | $60,768 | $0 |
| Marquette Associates | Investment advisory (plan) | $59,063 | $0 |
| Principal Life Insurance Company | Real estate brokerage | $0 | $34,748 |
| Cavanagh & O'Hara LLP | Legal | $15,566 | $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$316,093
- Trustee and custodial fees$75,890
- Contract administrator fees$57,475
- Other administrative expenses$50,510
- Actuarial fees$31,625
- IQPA audit fees$23,780
- Legal fees$15,655
- Other trustee fees and expenses$4,942
- Total administrative expenses$575,970
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.
- Common/collective trusts$39.1M · 28.7%
- Registered investment companies (mutual funds)$35.0M · 25.7%
- Corporate stocks$15.0M · 11.0%
- 103-12 investment entities$12.4M · 9.1%
- Partnership/joint venture interests$10.6M · 7.8%
- U.S. Government securities$9.4M · 6.9%
- Corporate debt instruments$7.6M · 5.6%
- Pooled separate accounts$3.2M · 2.3%
- Cash (interest and non-interest bearing)$2.7M · 2.0%
- Receivables$1.2M · 0.9%
- Other investments$12K · 0.0%
Audit and compliance answers, as filed
- Accountant's opinionUnmodified (unqualified)
- Audit scope limited under ERISA section 103(a)(3)(C)No
- Participant contributions reported as transmitted lateNo
- Covered by a fidelity bondYes, $1,500,000
- Blackout period during the year—
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
1BBenefits are primarily flat dollar (includes dollars per year of service)
Codes entered on Form 5500 line 8a, with the labels from the official instructions. Business code 237990: Other Heavy & Civil Engineering Construction.
Other plans of Employers and Laborers Locals 100 & 397 Pension Fund
| Plan | Participants | Net assets |
|---|---|---|
| Employers and Laborers Local 100 & 397 Supplemental Annuity Plan | 1,857 | $33.5M |
Similar plans in Missouri
| Plan | Sponsor | Participants | Net assets | Per participant |
|---|---|---|---|---|
| Local 309 Wiremans Pension Trust | Board of Trustees of Local 309 Wiremans Pension Trust | 1,001 | $198M | $197,418 |
| International Association of Heat and Frost Insula and Allied Workers Local No. 1 Pension Plan | International Association of Heat and Frost Insulators and Allied Work | 796 | $164M | $206,328 |
| Plumbers Local No. 8 Pension Plan | Plumbers Local No. 8 Pension Plan | 1,266 | $123M | $97,227 |
| Glaziers Local Union No 558 Pension Fund | Glaziers Local Union No 558 Pension Fund | 777 | $47.0M | $60,524 |
| Kansas City Cement Masons Pension Fund | Board of Trustees of Kansas City Cement Masons Pension Fund | 1,274 | $113M | $88,941 |
| Southern Illinois Bricklayers Pension Fund | Southern Illinois Bricklayers Pension Fund | 462 | $26.5M | $57,256 |
Defined benefit plans in construction closest in size.
Questions and answers
How big is Employers and Laborers Locals 100 & 397 Pension Fund?
911 participants at the end of the plan year ending 31 Jul 2025, of whom 428 were active employees, with net assets of $136,078,121. Among defined benefit plans that places it in the 500 to 999 participants band, which held 873 plans in plan year 2024.
What does Employers and Laborers Locals 100 & 397 Pension Fund contribute per participant?
The filing reports $7,950,705 in employer contributions for the year, which is $18,576 per active participant; the median for plans of the same type and size was $10,758 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 $473,389 in compensation to service provider organisations, $520 per participant or 0.35% of net assets. The same-size median among plans reporting any Schedule C compensation was $377 per participant. Administrative expenses on Schedule H were $575,970. 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 Employers and Laborers Locals 100 & 397 Pension Fund. Recordkeeping or administration: Ekon Benefits. Investment advisory or management: Ullico Investment Advisors Inc., Commerce Trust Comapny and Monetary Management Group, Inc.. Trustee or custodian: Commerce Trust Comapny. 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 Aug 2024 to 31 Jul 2025, received by the Department of Labor on 15 May 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 37-6085017, plan 001, received 15 May 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.