Umb Financial 401(k) and retirement plans

Umb Financial Corporation, Kansas City, MO. EIN 43-0903811. Annual reports 2009–2025.

Umb Financial Corporation has 2 active retirement plans on file. The largest is the Umb Profit Sharing and 401(k) Savings Plan, with 6,402 participants and $970 million in assets in 2025. Fidelity is its recordkeeper. No traditional pension plan appears in Umb Financial's filings since 2009.

Active plans: 2
Participants: 9,615
Plan assets: $1.0 billion
401(k) recordkeeper: Fidelity
Plans on file: 2
Industry: Finance and insurance

All 2 plans

Active plans first

Umb Profit Sharing and 401(k) Savings Plan

401(k)Active

Active. The plan filed its annual report for the 2025 plan year.

Plan number: 001Employer EIN 43-0903811
Participants (2025): 6,402
Net assets (2025): $970 million
Recordkeeper: FidelityEarlier: OneAmerica (2015–2022), Bmo Harris Bank (2013–2014), Marshall & Ilsley Trust (2009–2012)
Plan administrator: Umb Financial Corporation
928 Grand Boulevard
Kansas City, MO 64106
(816) 860-7000As filed for 2025
In effect since: January 1, 1961

Year by year, 2009 to 2025

Plan year	Participants	Net assets	Recordkeeper
2025	6,402	$970 million	Fidelity
2024	4,758	$718 million	not listed
2023	4,790	$615 million	not listed
2022	4,817	$507 million	OneAmerica
2021	4,526	$619 million	OneAmerica
2020	4,951	$547 million	OneAmerica
2019	5,055	$456 million	OneAmerica
2018	4,434	$366 million	OneAmerica
2017	4,430	$386 million	OneAmerica
2016	4,488	$328 million	OneAmerica
2015	4,602	$296 million	OneAmerica
2014	4,296	$288 million	Bmo Harris Bank
2013	4,182	$270 million	Bmo Harris Bank
2012	4,181	$216 million	Marshall & Ilsley Trust
2011	4,042	$183 million	Marshall & Ilsley Trust
2010	3,947	$181 million	Marshall & Ilsley Trust
2009	3,825	$154 million	Marshall & Ilsley Trust

Esop of Umb

Employee stock ownership plan (ESOP)Active

Active. The plan filed its annual report for the 2025 plan year.

Plan number: 004Employer EIN 43-0903811
Participants (2025): 3,213
Net assets (2025): $68.3 million
Recordkeeper: FidelityEarlier: OneAmerica (2016–2022), Marshall & Ilsley Trust (2009–2010)
Plan administrator: Umb Financial Corporation
928 Grand Avenue
Kansas City, MO 64106
(816) 860-7000As filed for 2025
In effect since: January 1, 1978

Earlier plan names: The Esop of Umb.

Year by year, 2009 to 2025

Plan year	Participants	Net assets	Recordkeeper
2025	3,213	$68.3 million	Fidelity
2024	3,402	$71.4 million	not listed
2023	3,711	$59.6 million	Fidelity
2022	2,640	$62.3 million	OneAmerica
2021	3,437	$82.3 million	OneAmerica
2020	3,471	$60.1 million	OneAmerica
2019	3,410	$62.8 million	OneAmerica
2018	3,339	$59.9 million	OneAmerica
2017	3,427	$79.8 million	OneAmerica
2016	3,485	$93.3 million	OneAmerica
2015	3,427	$62.1 million	not listed
2014	3,161	$79.7 million	not listed
2013	3,141	$97.1 million	not listed
2012	3,200	$71.1 million	not listed
2011	3,050	$64.2 million	not listed
2010	3,160	$73.0 million	Marshall & Ilsley Trust
2009	3,144	$70.9 million	Marshall & Ilsley Trust

If you had money in one of these plans

Call Fidelity (fidelity.com), which runs the Umb Profit Sharing and 401(k) Savings Plan. With your Social Security number and the plan name, it can tell you whether you still have a balance and, if not, where it went.
Or call the plan administrator listed on the plan below ((816) 860-7000). That number was filed for 2025; ask for the benefits or retirement plan office.
Still stuck? The Department of Labor's benefits advisers help for free: askebsa.dol.gov or 1-866-444-3272. Never pay anyone to find your own money.

What these numbers are

They come from the Form 5500 annual reports each plan files with the Department of Labor, as the plan filed them. A plan year is usually a calendar year.
Participants counts everyone in the plan at year end: current employees, former employees who still have a balance or a pension coming, and retirees or beneficiaries being paid.
The recordkeeper is the service provider whose Schedule C entry says it keeps the plan's records. Small plans do not file Schedule C, so some plans show none.
We cannot see anyone's account. Only the plan or its recordkeeper can tell you your balance.

Sources: U.S. Department of Labor, Form 5500 datasets and PBGC trusteed plans. How we read them.

All 2 plans

Umb Profit Sharing and 401(k) Savings Plan

Esop of Umb

If you had money in one of these plans

What these numbers are

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