Missouri › Manufacturing › 500 to 999 participants
Form 5500 statement · plan year 1 Feb 2024 to 31 Jan 2025
Retail Bakers Pension Trust Fund of ST Louis
Sponsored by Board of Trustees Retail Bakers Pension Trust Fund of St. Louis, Earth City, 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.
In the plan year ending 31 Jan 2025, Retail Bakers Pension Trust Fund of ST Louis covered 551 participants and held $8.0M in net assets. The plan is a defined benefit pension plan sponsored by Board of Trustees Retail Bakers Pension Trust Fund of St. Louis of Earth City, Missouri. It is a multiemployer plan, maintained under collective bargaining agreements with more than one employer.
Net assets came to $14,570 per participant, well below the $86,583 median for defined benefit plans with 500 to 999 participants and well below the $67,961 median for defined benefit plans in manufacturing. 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 $255K for the year ($1,710 per active participant) and benefits paid were $676K. 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 6 service provider organisations paid $5,000 or more, with reported compensation of $121K: $219 per participant, well below the same-size median of $377. Administrative expenses charged to the plan were $160K. 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 $4.7M in 2009 to $8.0M in 2024 (up 69%), and participants from 549 to 551 (unchanged).
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 | $14,570 | $86,583 | $67,961 | $86,221 |
| Employer contributions per active participant | $1,710 | $10,758 | $6,915 | $10,244 |
| Schedule C compensation per participant | $219 | $377 | $299 | $344 |
| Schedule C compensation, share of net assets | 1.5% | 0.48% | 0.47% | 0.42% |
| Administrative expenses per participant | $290 | $591 | $498 | $527 |
Peer columns are medians for plan year 2024 across defined benefit plans with 100 or more participants: 500 to 999 participants (873 plans), manufacturing (1,532) 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 | 551 | $8.0M | $14,570 | $255K | — | $121K |
| 2023 | 566 | $7.7M | $13,587 | $263K | — | $136K |
| 2022 | 566 | $7.7M | $13,689 | $287K | — | $132K |
| 2021 | 568 | $8.9M | $15,657 | $301K | — | $113K |
| 2019 | 632 | $8.2M | $12,981 | $338K | — | $110K |
| 2018 | 611 | $7.5M | $12,352 | $369K | — | $104K |
| 2017 | 609 | $8.0M | $13,210 | $387K | — | $94K |
| 2016 | 613 | $7.0M | $11,424 | $419K | — | $97K |
| 2015 | 604 | $6.3M | $10,354 | $417K | — | $80K |
| 2014 | 624 | $6.5M | $10,450 | $433K | — | $89K |
| 2013 | 617 | $6.1M | $9,935 | $459K | — | $85K |
| 2012 | 692 | $5.5M | $7,910 | $466K | — | $83K |
| 2011 | 603 | $4.9M | $8,153 | $483K | — | $96K |
| 2010 | 514 | $5.5M | $10,683 | $494K | — | $85K |
| 2009 | 549 | $4.7M | $8,636 | $471K | — | $71K |
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$7,689,753
- Employer contributions$254,800
- Participant contributions—
- Rollovers and other contributions—
- Total contributions$254,800
- Total income, including investment results$1,174,232
- Benefits paid$676,408
- Administrative expenses$159,655
- Total expenses$836,063
- Net income$338,169
- Net transfers$0
- Net assets, end of year$8,027,922
Participants
- Active participants149
- Retired or separated, receiving benefits197
- Retired or separated, entitled to future benefits205
- Total participants, end of year551
Fees and service providers
| Organisation | Services reported | Direct | Indirect |
|---|---|---|---|
| Zenith Administrators | Plan Administrator | $46,180 | $0 |
| Milliman | Actuarial | $26,557 | $0 |
| Segal Select Insurance Services | Insurance services; Insurance agents and brokers | $18,269 | $0 |
| Investment Consulting Services | Accounting (including auditing) | $15,915 | $0 |
| Grabel, Schnieders, Hollman & Co. CP | Accounting (including auditing) | $8,869 | $0 |
| Hammond and Shinners, PC | Legal | $5,000 | $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
- Other administrative expenses$56,050
- Contract administrator fees$45,550
- Actuarial fees$26,557
- Investment advisory and management fees$15,915
- IQPA audit fees$8,869
- Legal fees$5,000
- Trustee and custodial fees$1,714
- Total administrative expenses$159,655
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.
- Registered investment companies (mutual funds)$7.9M · 98.5%
- Cash (interest and non-interest bearing)$86K · 1.1%
- Receivables$38K · 0.5%
Audit and compliance answers, as filed
- Accountant's opinionUnmodified (unqualified)
- Audit scope limited under ERISA section 103(a)(3)(C)No
- Accounting firmGrabel Schnieders Hollman & Co.
- Participant contributions reported as transmitted lateNo
- Covered by a fidelity bondYes, $500,000
- 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
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 311800: Bakeries, Tortilla & Dry Pasta Mfg.
Similar plans in Missouri
| Plan | Sponsor | Participants | Net assets | Per participant |
|---|---|---|---|---|
| Silgan Plastics Pension Plan for Salaried Employees | Silgan Plastics, LLC | 569 | $93.7M | $164,683 |
| Appleton Group LLC Pension Plan for Bargaining Unit Employees | Appleton Group LLC | 521 | $11.4M | $21,812 |
| Local 202 Sheet Metal Workers Pension Fund | Trustees of the Local 202 Sheet Metal Workers Pension Fund | 573 | $18.7M | $32,713 |
| American Railcar Ind, Inc. Shippers Car Line Div Ees Pen Plan | American Industrial Transport, Inc. | 465 | $17.8M | $38,361 |
| Bunge North America Pension Plan for Hourly Union Employees | Bunge North America East, L.L.C. | 631 | $33.7M | $53,344 |
| Hillyard Revised Retirement Plan | Hillyard Industries | 421 | $54.3M | $128,953 |
Defined benefit plans in manufacturing closest in size.
Questions and answers
How big is Retail Bakers Pension Trust Fund of ST Louis?
551 participants at the end of the plan year ending 31 Jan 2025, of whom 149 were active employees, with net assets of $8,027,922. Among defined benefit plans that places it in the 500 to 999 participants band, which held 873 plans in plan year 2024.
What does Board of Trustees Retail Bakers Pension Trust Fund of St. Louis contribute per participant?
The filing reports $254,800 in employer contributions for the year, which is $1,710 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 $120,790 in compensation to service provider organisations, $219 per participant or 1.5% of net assets. The same-size median among plans reporting any Schedule C compensation was $377 per participant. Administrative expenses on Schedule H were $159,655. 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 Board of Trustees Retail Bakers Pension Trust Fund of St. Louis. Recordkeeping or administration: Zenith Administrators. The financial statements were audited by Grabel Schnieders Hollman & Co.. 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 Feb 2024 to 31 Jan 2025, received by the Department of Labor on 19 Feb 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 43-0783679, plan 001, received 19 Feb 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.