UMB FINANCIAL CORP 401(k) match: 4.5% max
UMB Profit Sharing and 401(k) Savings Plan · UMBF · CIK 101382
Maximum employer match, as a share of pay
4.5%
UMB FINANCIAL CORP matches 50% of the first 9% of pay.
From the Form 11-K filed June 24, 2026 ↗, covering the plan year ended December 31, 2025. Page data last updated July 28, 2026, when the Form 5500 bulk data was last refreshed. Why filings lag
On this page: what the employer actually paid in · the formula, word for word · when the money becomes yours · who can join · what the plan reports to the DOL · how it compares · what to do next
What UMB FINANCIAL puts in, and what the plan costs
What UMB FINANCIAL put into the plan, per active participant
$4,378
UMB FINANCIAL CORP put $4,378 into this plan for each of its 3,665 active participants in plan year 2024. This is the whole employer side of the plan: matching money, profit sharing, non-elective and safe-harbor contributions, and reallocated forfeitures. The Form 5500 does not separate them, so this is what the employer put in and not the match.
UMB FINANCIAL put in more per active participant than 66% of plans with 1,000–4,999 participants at banks and lenders. The middle plan in that group of 245 reported $3,422. Banks and lenders comes from business code 522110, which UMB FINANCIAL entered on its own Form 5500. Sponsors pick that code themselves, so a code that does not describe what the employer does ranks the plan against the wrong companies.
What this figure cannot separate: how much UMB FINANCIAL pays, and how much it puts in
This is dollars, not a rate. A Form 5500 carries no payroll, so the figure reflects both how much the employer puts in and how much the employer pays: two plans running the same formula report different amounts when one pays better. Crossing the peer group with industry holds most of that difference still, and none of it disappears.
This is one plan year, not an average. A true-up, a plan merger or a one-off contribution moves a single year on its own.
Source: DOL Form 5500 for the plan year ended December 31, 2024, EIN 430903811, plan 001 · DOL EFAST2 ↗
The $4,378 above is the Form 5500 figure for plan year 2024, and it counts every employer dollar on one line. UMB FINANCIAL CORP also files a Form 11-K, which states the match formula for plan year 2025: the card below reads $2,228 a year at a $49,500 salary, and the same filing states employer contributions made outside the match. That second figure is what the formula pays one worker on that salary, and not an amount either filing reports. The two figures cover different plan years and measure different things, so neither one is the other one corrected.
What UMB FINANCIAL puts in
$2,228
a year, at a $49,500 salary.
The match paragraph, word for word
“After satisfying eligibility requirements, the Company matched 50 percent of the first 9 percent of a participant's contributions for both Plan years 2025 and 2024.”
What you contribute to collect all of it
Contribute at least 9% of your pay to collect the full match.
That is $4,455 a year at a $49,500 salary, and it scales with your own.
Vesting score
100 out of 100
How fast the employer’s money becomes yours. Higher than 48% of the 369 schedules we have scored.
It measures vesting speed and nothing else. It says nothing about the size of the match, what the plan charges, or the funds inside it.
Share of the employer's money that is the worker's at hire and at each of the first 6 anniversaries: 100%, 100%, 100%, 100%, 100%, 100%, 100%. The score is the average of those 7 readings.
Vesting, word for word
“Participants are vested immediately in their contributions and the Company matching contribution plus actual earnings thereon. For profit sharing contributions participants are 50 percent vested after two years of service and 100 percent vested after three years of service.”
The match starts with the job. This is a filed term, and it does not move the score above.
Eligibility, word for word
“Employees are eligible to make elective deferral contributions and receive the Company matching contribution upon the first of the month following the date of hire. The Plan provides that employees with one year of service and 1,000 hours of service each year become eligible to participate in the profit sharing portion of the Plan.”
The plan tops the match up after year end, so contributing unevenly through the year does not cost the worker part of it.
The same match paragraph, word for word
“After satisfying eligibility requirements, the Company matched 50 percent of the first 9 percent of a participant's contributions for both Plan years 2025 and 2024.”
The wait before the match starts and the year-end true-up appear above when the filing states them. Neither is part of the score, and a filing that is silent on one of them is not a plan without it.
What the plan costs, against plans of its size
17th percentile
$30.01 per participant in plan-paid administrative cost, cheaper than 83% of plans with 1,000–4,999 participants.
What is UMB FINANCIAL's 401(k) match formula?
UMB FINANCIAL's 401(k) employer match tops out at 4.5% of pay. The match is deposited each payroll and the plan pays an annual true-up. What an annual true-up repays is the arithmetic behind that line: it matters most in a year when contributions land unevenly.
| Match formula | 50% of the first 9% of pay |
|---|---|
| Maximum employer match | 4.5% of compensation |
| True-upA year-end recalculation that repays match lost to uneven contributions. | Yes, annual true-up |
| Deposited | Each payroll |
| Paid in company stock | No, paid in cash or per your investment elections |
| Conditions | The matching contribution rate is nominally determined annually at the discretion of the Chairman of the Board of Directors, but the filing discloses the actual rate applied: 50 percent of the first 9 percent of a participant's contributions for both the 2025 and 2024 Plan years. The Company also makes an additional discretionary true-up matching contribution equal to what the match would have been if based on the participant's eligible annual compensation for the full year. Subsequent event: effective January 1, 2026 (after the period covered by this filing), the Company updated the employer matching contribution to 75 percent of the first 6 percent of a participant's contributions. |
| Other employer contribution | Employer Profit Sharing Contribution: discretionary, determined annually by the Chairman of the Board of Directors; no profit sharing contribution was made for the 2025 Plan year; for the 2024 Plan year the Company made total profit sharing contributions of $2,000,000, split between the Plan and The ESOP of UMB, of which $1,000,000 went to the Plan |
At a $75,000 salary, contributing 9% ($6,750) earns the full employer match of $3,375 for the year.
What the filing says, word for word
“After satisfying eligibility requirements, the Company matched 50 percent of the first 9 percent of a participant's contributions for both Plan years 2025 and 2024.”
Source: Form 11-K filed June 24, 2026, SEC EDGAR, corroborated by the filing's inline-XBRL facts · SEC ↗
What is UMB FINANCIAL's 401(k) vesting schedule?
UMB FINANCIAL vests the employer match immediately: 100% is yours as soon as it is paid in. Nothing is forfeited when you leave, which is not true of the two schedules that vest over time.
| Employer match vesting | Immediate: employer match is 100% vested when contributed |
|---|---|
| Your own contributions | Immediate: always 100% yours |
| Accelerated vesting | Upon Plan termination, participants become 100 percent vested in their accounts. |
| Other employer contributions | Profit sharing contributions are 50 percent vested after two years of service and 100 percent vested after three years of service. |
Vesting, word for word
“Participants are vested immediately in their contributions and the Company matching contribution plus actual earnings thereon. For profit sharing contributions participants are 50 percent vested after two years of service and 100 percent vested after three years of service.”
Source: Form 11-K filed June 24, 2026, SEC EDGAR · SEC ↗
Who can join UMB FINANCIAL's 401(k), and is enrollment automatic?
UMB FINANCIAL enrolls new hires automatically at 3% of pay, rising 1% a year to 9% of pay.
| Plan entry | Employees are eligible to make elective deferral contributions and receive the Company matching contribution upon the first of the month following the date of hire. Employees become eligible to participate in the profit sharing portion of the Plan after one year of service and 1,000 hours of service each year. |
|---|---|
| Match eligibility | First of the month following the date of hire (same timing as elective deferral eligibility). |
| Automatic enrollment | Yes: default deferral 3% of pay; auto-escalation +1%/yr to 9%; default investment: Target date fund with a maturity date that most closely corresponds to the participant's anticipated retirement date based on the participant's date of birth. |
Eligibility, word for word
“Employees are eligible to make elective deferral contributions and receive the Company matching contribution upon the first of the month following the date of hire. The Plan provides that employees with one year of service and 1,000 hours of service each year become eligible to participate in the profit sharing portion of the Plan.”
Automatic enrollment, word for word
“All employees of UMB hired on or after January 1, 2008 who are otherwise eligible for the Plan, are subject to an “automatic election,” under which the Company will withhold 3 percent of compensation from the new employee’s paycheck each payroll period. That amount is contributed to the Plan as an elective deferral contribution, unless the employee completes a salary deferral agreement electing a different percentage. The automatic election is withheld from the paycheck following the employee's completion of eligibility for the Plan, which is the first of the month following completion of one month of employment. The automatic salary deferral will be invested in a target date fund with a maturity date that most closely corresponds to the participant's anticipated retirement date based on the participant's date of birth unless otherwise directed by the employee. The employee may modify the automatic election at any time to elect an alternative deferral amount or elect not to defer into the Plan. The Plan has an automatic escalation feature which increases an employee's contribution rate by 1 percent annually until the employee's contributions reach a maximum of 9 percent.”
Source: Form 11-K filed June 24, 2026, SEC EDGAR · SEC ↗
What does the UMB FINANCIAL plan report on Form 5500?
The UMB FINANCIAL plan reported $717.6M in assets and 4,790 participants for plan year 2024.
| Total plan assets | $717,575,084 |
|---|---|
| Participants | 4,790 |
| Recordkeeper | Fidelity Management Trust Company |
| Plan-paid admin cost per participant | $30.01 |
How that cost compares
This plan pays $30.01 per participant. The median across plans at banks and lenders is $152.83, from the 2,143 of 2,264 whose Form 5500 yields a per-participant cost.
Read from the Form 5500 filing of Umb Profit Sharing And 401(k) Savings Plan, which has no page of its own here.
How does UMB FINANCIAL's 401(k) match compare?
UMB FINANCIAL CORP's maximum 401(k) match of 4.5% of pay compares with a median of 4% across the 269 companies in our data with a computable formula.
Employers worth reading next
Of the six employers below, three file at banks and lenders, two land near UMB FINANCIAL's maximum match and one vests on the same schedule.
Maximum match 4.5% of pay. Also at banks and lenders.
Maximum match 4.5% of pay. Also at banks and lenders.
Maximum match 4% of pay. Also at banks and lenders.
Maximum match 4.5% of pay, level with UMB FINANCIAL.
Maximum match 4.5% of pay, level with UMB FINANCIAL.
Maximum match 4% of pay. Vests immediately too, like UMB FINANCIAL.
What can you do next?
- Read the Form 11-K on SEC EDGAR ↗
Form 11-K filed June 24, 2026, SEC EDGAR. Every match fact on this page comes from it.
- Changed jobs? Find an old 401(k) ↗
The Department of Labor's Retirement Savings Lost & Found, a free government database.
- This year's IRS contribution limits ↗
The official deferral and catch-up limits every formula operates under.
Questions this filing answers
What is UMB FINANCIAL CORP's 401(k) match?
Umb Financial Corp matches 50% of employee contributions up to 9% of eligible pay (plan year ended December 31, 2025).
When does the UMB FINANCIAL CORP 401(k) match vest?
Immediate: employer match is 100% vested when contributed.
Does UMB FINANCIAL CORP's 401(k) plan have automatic enrollment?
Yes: default deferral 3% of pay; auto-escalation +1%/yr to 9%; default investment: Target date fund with a maturity date that most closely corresponds to the participant's anticipated retirement date based on the participant's date of birth..
Source
The match formula, the vesting schedule and the enrollment rules on this page were read from one document: the Form 11-K annual report that UMB FINANCIAL CORP filed with the US Securities and Exchange Commission for the plan year ended December 31, 2025. Each of those fields carries the filing sentence it was read from, expandable where the field appears. Nothing on this page was supplied by the employer to this site.
The plan assets, the participant counts, the plan-paid fees and the recordkeeper come from a different document, the plan’s DOL Form 5500 annual return, and the section that reports them links it. Comparisons with other employers are computed across the filings named in the section they appear in.
Read the filing on SEC EDGAR ↗
| Document | Form 11-K annual report |
|---|---|
| Filed with | US Securities and Exchange Commission (EDGAR) |
| Filed by | UMB FINANCIAL CORP |
| SEC CIK | 101382 |
| Accession number | 0001193125-26-280968 |
| Plan | UMB Profit Sharing and 401(k) Savings Plan |
| Period of report | December 31, 2025 |
| Filed | June 24, 2026 |
401(k) Monitor is not affiliated with UMB FINANCIAL CORP, with the Securities and Exchange Commission or with this plan’s recordkeeper, and publishes this page without their involvement. It republishes a public filing and says where it came from.
Cite this page
401(k) Monitor, “UMB FINANCIAL CORP 401(k) plan facts”, from SEC Form 11-K accession 0001193125-26-280968, plan year ended December 31, 2025.
