Intrust Financial Corporation 401(k) Review & Grade
Intrust 401(k) Plan
Wichita, KSFinance & Insurance864 active participantsPlan year 2024✓ Auto-enroll
Estimate from the plan's Form 5500 filing · How we grade
$5,362Employer $ per active participant
$7,459Employee $ saved per active participant
0.01%Direct admin cost, % of plan assets
$205.6MNet plan assets, end of year
$174,049Average balance per account
Score breakdown
- Employer generosity34.9 / 5070th percentile for employer $ per participant
- Low cost24.2 / 2597th percentile for low admin cost vs. same-size plans
- Employee saving8.2 / 1555th percentile for employee $ per participant
- Plan features10 / 10Auto-enrollment, Default investment
- Red-flag deductions-5 pts1 issue reported on the filing
Total score72 / 100 · Grade B
This plan vs. peers
Peers: Finance & Insurance plans with 500–2,499 active participants (754 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 70th |
| Lower admin cost | 97th |
| Employee saving | 55th |
| Peers that auto-enroll | 62% |
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Red flags from the filing
No fidelity bond: the plan reported it was not covered by a fidelity bond, which protects participants against theft.
What to do if you're in this plan
- Intrust Financial put in about $5,362 per active participant, more than the typical peer ($3,606). Contribute at least enough to collect the full match. Skipping it leaves part of your pay on the table.
- The filing shows total dollars, not the match formula. Ask HR for the Summary Plan Description so you know the exact match and vesting schedule.
- Fund expense ratios aren't in the filing. Look them up in your 404(a)(5) fee disclosure and favor low-cost index or target-date funds.
- The plan auto-enrolls employees. Check your default contribution rate. Defaults are often lower than what it takes to get the full match.
- Changing jobs? You can usually leave the money in the plan, move it to your new employer's plan, or roll it into an IRA. Don't cash out: you'd owe taxes and possibly a 10% penalty.
The raw numbers from the filing
| Employer contributions | $4,630,358 |
| Participant (employee) contributions | $6,440,638 |
| Other contributions (incl. rollovers in) | $1,004,912 |
| Administrative expenses paid from the plan | $25,938 |
| Contract administrator fees | $8,100 |
| Investment advisory & management fees | $17,838 |
| Benefits paid out | $16,944,667 |
| Net assets, start / end of year | $184.1M / $205.6M |
| Active participants, start / end of year | 871 / 856 |
| Participants with account balances | 1,181 |
| Auto-enrollment (feature code 2S) | Yes |
| Auditor | GJ & Company |
Largest service providers (Schedule C)
| Intrust Bank, N.A. | $25,938 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251010092432NAL0007433921001, received 2025-10-10, EIN 48-0937376, plan #002, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.