Civic Intelligence

Howell Financial Services Inc.

Plan context: Howell Financial Services Inc. 401(K) Plan

EIN 37-1370812 • Sparta, IL • 30 filings • 4 plans

1101 North MarketP.O. Box 376Sparta, IL 62286
Current Snapshot

Latest Year

2025

2025 Participants

14

2025 Assets

$3,203,762

2025 Contributions

$166,348

Historical Graphs

Total Assets Over Time

Aggregate end-of-year assets by filing year, excluding zero-asset years

$5,526,606$2,763,303$0200620162025YearValue
$3,203,762Latest year 2025

Participants Over Time

Largest reported end-of-year plan headcount by filing year, used to avoid double-counting participants across overlapping plans

1580200620162025YearValue
14Latest year 2025

Company Timeline

Year summaries and individual filings are combined here so you can stay in one place while moving across years and plan filings.

Year / FilingFilingsParticipantsAssetsContributionsContrib./Participant
2025114$3,203,762$166,348$11,882iApproximate average salary by contribution assumption: employee only about $297,050 at 4% or $198,033 at 6%; with 50% employer match about $198,033 at 4% or $132,022 at 6%; with 100% employer match about $148,525 at 4% or $99,017 at 6%.
Howell Financial Services Inc. 401(K) Plan-14$3,203,762$166,348$11,882iApproximate average salary by contribution assumption: employee only about $297,050 at 4% or $198,033 at 6%; with 50% employer match about $198,033 at 4% or $132,022 at 6%; with 100% employer match about $148,525 at 4% or $99,017 at 6%.
2024115$2,657,190$172,150$11,477iApproximate average salary by contribution assumption: employee only about $286,917 at 4% or $191,278 at 6%; with 50% employer match about $191,278 at 4% or $127,519 at 6%; with 100% employer match about $143,458 at 4% or $95,639 at 6%.
Howell Financial Services Inc. 401(K) Plan-15$2,657,190$172,150$11,477iApproximate average salary by contribution assumption: employee only about $286,917 at 4% or $191,278 at 6%; with 50% employer match about $191,278 at 4% or $127,519 at 6%; with 100% employer match about $143,458 at 4% or $95,639 at 6%.
2023114$3,858,703$155,205$11,086iApproximate average salary by contribution assumption: employee only about $277,152 at 4% or $184,768 at 6%; with 50% employer match about $184,768 at 4% or $123,179 at 6%; with 100% employer match about $138,576 at 4% or $92,384 at 6%.
Howell Financial Services Inc. 401(K) Plan-14$3,858,703$155,205$11,086iApproximate average salary by contribution assumption: employee only about $277,152 at 4% or $184,768 at 6%; with 50% employer match about $184,768 at 4% or $123,179 at 6%; with 100% employer match about $138,576 at 4% or $92,384 at 6%.
2022114$3,081,993$183,434$13,102iApproximate average salary by contribution assumption: employee only about $327,561 at 4% or $218,374 at 6%; with 50% employer match about $218,374 at 4% or $145,583 at 6%; with 100% employer match about $163,780 at 4% or $109,187 at 6%.
Howell Financial Services Inc. 401(K) Plan-14$3,081,993$183,434$13,102iApproximate average salary by contribution assumption: employee only about $327,561 at 4% or $218,374 at 6%; with 50% employer match about $218,374 at 4% or $145,583 at 6%; with 100% employer match about $163,780 at 4% or $109,187 at 6%.
2021114$3,647,110$267,301$19,093iApproximate average salary by contribution assumption: employee only about $477,323 at 4% or $318,215 at 6%; with 50% employer match about $318,215 at 4% or $212,144 at 6%; with 100% employer match about $238,662 at 4% or $159,108 at 6%.
Howell Financial Services Inc. 401(K) Plan-14$3,647,110$267,301$19,093iApproximate average salary by contribution assumption: employee only about $477,323 at 4% or $318,215 at 6%; with 50% employer match about $318,215 at 4% or $212,144 at 6%; with 100% employer match about $238,662 at 4% or $159,108 at 6%.
2020213$2,934,990$167,567$12,890iApproximate average salary by contribution assumption: employee only about $322,244 at 4% or $214,829 at 6%; with 50% employer match about $214,829 at 4% or $143,220 at 6%; with 100% employer match about $161,122 at 4% or $107,415 at 6%.
Howell Financial Services Inc. 401(K) Plan-13$2,934,990$167,567$12,890iApproximate average salary by contribution assumption: employee only about $322,244 at 4% or $214,829 at 6%; with 50% employer match about $214,829 at 4% or $143,220 at 6%; with 100% employer match about $161,122 at 4% or $107,415 at 6%.
HOWELL FINANCIAL SERVICES, INC. CASH BALANCE PENSION PLAN AND TRUST-0$0$0-
2019213$5,526,606$125,791$9,676iApproximate average salary by contribution assumption: employee only about $241,906 at 4% or $161,271 at 6%; with 50% employer match about $161,271 at 4% or $107,514 at 6%; with 100% employer match about $120,953 at 4% or $80,635 at 6%.
HOWELL FINANCIAL SERVICES, INC. CASH BALANCE PENSION PLAN AND TRUST-12$3,261,649$0-
Howell Financial Services Inc. 401(K) Plan-13$2,264,957$125,791$9,676iApproximate average salary by contribution assumption: employee only about $241,906 at 4% or $161,271 at 6%; with 50% employer match about $161,271 at 4% or $107,514 at 6%; with 100% employer match about $120,953 at 4% or $80,635 at 6%.
2018212$3,946,646$394,511$32,876iApproximate average salary by contribution assumption: employee only about $821,898 at 4% or $547,932 at 6%; with 50% employer match about $547,932 at 4% or $365,288 at 6%; with 100% employer match about $410,949 at 4% or $273,966 at 6%.
HOWELL FINANCIAL SERVICES, INC. CASH BALANCE PENSION PLAN AND TRUST-11$2,220,372$300,000$27,273iApproximate average salary by contribution assumption: employee only about $681,818 at 4% or $454,545 at 6%; with 50% employer match about $454,545 at 4% or $303,030 at 6%; with 100% employer match about $340,909 at 4% or $227,273 at 6%.
Howell Financial Services Inc. 401(K) Plan-12$1,726,274$94,511$7,876iApproximate average salary by contribution assumption: employee only about $196,898 at 4% or $131,265 at 6%; with 50% employer match about $131,265 at 4% or $87,510 at 6%; with 100% employer match about $98,449 at 4% or $65,633 at 6%.
2017210$3,947,022$102,134$10,213iApproximate average salary by contribution assumption: employee only about $255,335 at 4% or $170,223 at 6%; with 50% employer match about $170,223 at 4% or $113,482 at 6%; with 100% employer match about $127,668 at 4% or $85,112 at 6%.
HOWELL FINANCIAL SERVICES, INC. CASH BALANCE PENSION PLAN AND TRUST-9$2,113,455$0-
Howell Financial Services Inc. 401(K) Plan-10$1,833,567$102,134$10,213iApproximate average salary by contribution assumption: employee only about $255,335 at 4% or $170,223 at 6%; with 50% employer match about $170,223 at 4% or $113,482 at 6%; with 100% employer match about $127,668 at 4% or $85,112 at 6%.
2016210$3,159,376$121,516$12,152iApproximate average salary by contribution assumption: employee only about $303,790 at 4% or $202,527 at 6%; with 50% employer match about $202,527 at 4% or $135,018 at 6%; with 100% employer match about $151,895 at 4% or $101,263 at 6%.
HOWELL FINANCIAL SERVICES, INC. CASH BALANCE PENSION PLAN AND TRUST-9$1,664,956$0-
Howell Financial Services Inc. 401(K) Plan-10$1,494,420$121,516$12,152iApproximate average salary by contribution assumption: employee only about $303,790 at 4% or $202,527 at 6%; with 50% employer match about $202,527 at 4% or $135,018 at 6%; with 100% employer match about $151,895 at 4% or $101,263 at 6%.
2015210$2,751,514$519,483$51,948iApproximate average salary by contribution assumption: employee only about $1,298,708 at 4% or $865,805 at 6%; with 50% employer match about $865,805 at 4% or $577,203 at 6%; with 100% employer match about $649,354 at 4% or $432,903 at 6%.
HOWELL FINANCIAL SERVICES, INC. CASH BALANCE PENSION PLAN AND TRUST-9$1,460,581$397,657$44,184iApproximate average salary by contribution assumption: employee only about $1,104,603 at 4% or $736,402 at 6%; with 50% employer match about $736,402 at 4% or $490,935 at 6%; with 100% employer match about $552,301 at 4% or $368,201 at 6%.
Howell Financial Services Inc. 401(K) Plan-10$1,290,933$121,826$12,183iApproximate average salary by contribution assumption: employee only about $304,565 at 4% or $203,043 at 6%; with 50% employer match about $203,043 at 4% or $135,362 at 6%; with 100% employer match about $152,283 at 4% or $101,522 at 6%.
2014211$2,296,867$338,917$30,811iApproximate average salary by contribution assumption: employee only about $770,266 at 4% or $513,511 at 6%; with 50% employer match about $513,511 at 4% or $342,340 at 6%; with 100% employer match about $385,133 at 4% or $256,755 at 6%.
Howell Financial Services Inc. 401(K) Plan-11$1,191,495$114,721$10,429iApproximate average salary by contribution assumption: employee only about $260,730 at 4% or $173,820 at 6%; with 50% employer match about $173,820 at 4% or $115,880 at 6%; with 100% employer match about $130,365 at 4% or $86,910 at 6%.
HOWELL FINANCIAL SERVICES, INC. CASH BALANCE PENSION PLAN AND TRUST-9$1,105,372$224,196$24,911iApproximate average salary by contribution assumption: employee only about $622,767 at 4% or $415,178 at 6%; with 50% employer match about $415,178 at 4% or $276,785 at 6%; with 100% employer match about $311,383 at 4% or $207,589 at 6%.
2013210$1,829,792$432,351$43,235iApproximate average salary by contribution assumption: employee only about $1,080,878 at 4% or $720,585 at 6%; with 50% employer match about $720,585 at 4% or $480,390 at 6%; with 100% employer match about $540,439 at 4% or $360,293 at 6%.
Howell Financial Services Inc. 401(K) Plan-10$1,034,127$117,200$11,720iApproximate average salary by contribution assumption: employee only about $293,000 at 4% or $195,333 at 6%; with 50% employer match about $195,333 at 4% or $130,222 at 6%; with 100% employer match about $146,500 at 4% or $97,667 at 6%.
HOWELL FINANCIAL SERVICES, INC. CASH BALANCE PENSION PLAN AND TRUST-9$795,665$315,151$35,017iApproximate average salary by contribution assumption: employee only about $875,419 at 4% or $583,613 at 6%; with 50% employer match about $583,613 at 4% or $389,075 at 6%; with 100% employer match about $437,710 at 4% or $291,806 at 6%.
201229$1,241,623$427,304$47,478iApproximate average salary by contribution assumption: employee only about $1,186,956 at 4% or $791,304 at 6%; with 50% employer match about $791,304 at 4% or $527,536 at 6%; with 100% employer match about $593,478 at 4% or $395,652 at 6%.
Howell Financial Services Inc. 401(K) Plan-9$773,055$112,084$12,454iApproximate average salary by contribution assumption: employee only about $311,344 at 4% or $207,563 at 6%; with 50% employer match about $207,563 at 4% or $138,375 at 6%; with 100% employer match about $155,672 at 4% or $103,781 at 6%.
HOWELL FINANCIAL SERVICES, INC. CASH BALANCE PENSION PLAN AND TRUST-9$468,568$315,220$35,024iApproximate average salary by contribution assumption: employee only about $875,611 at 4% or $583,741 at 6%; with 50% employer match about $583,741 at 4% or $389,160 at 6%; with 100% employer match about $437,806 at 4% or $291,870 at 6%.
201129$767,809$291,148$32,350iApproximate average salary by contribution assumption: employee only about $808,744 at 4% or $539,163 at 6%; with 50% employer match about $539,163 at 4% or $359,442 at 6%; with 100% employer match about $404,372 at 4% or $269,581 at 6%.
Howell Financial Services Inc. 401(K) Plan-9$590,342$113,681$12,631iApproximate average salary by contribution assumption: employee only about $315,781 at 4% or $210,520 at 6%; with 50% employer match about $210,520 at 4% or $140,347 at 6%; with 100% employer match about $157,890 at 4% or $105,260 at 6%.
HOWELL FINANCIAL SERVICES, INC. CASH BALANCE PENSION PLAN AND TRUST-9$177,467$177,467$19,719iApproximate average salary by contribution assumption: employee only about $492,964 at 4% or $328,643 at 6%; with 50% employer match about $328,643 at 4% or $219,095 at 6%; with 100% employer match about $246,482 at 4% or $164,321 at 6%.
201018$489,321$95,796$11,975iApproximate average salary by contribution assumption: employee only about $299,363 at 4% or $199,575 at 6%; with 50% employer match about $199,575 at 4% or $133,050 at 6%; with 100% employer match about $149,681 at 4% or $99,788 at 6%.
Howell Financial Services Inc. 401(K) Plan-8$489,321$95,796$11,975iApproximate average salary by contribution assumption: employee only about $299,363 at 4% or $199,575 at 6%; with 50% employer match about $199,575 at 4% or $133,050 at 6%; with 100% employer match about $149,681 at 4% or $99,788 at 6%.
200918$345,306$119,399$14,925iApproximate average salary by contribution assumption: employee only about $373,122 at 4% or $248,748 at 6%; with 50% employer match about $248,748 at 4% or $165,832 at 6%; with 100% employer match about $186,561 at 4% or $124,374 at 6%.
Howell Financial Services Inc. 401(K) Plan-8$345,306$119,399$14,925iApproximate average salary by contribution assumption: employee only about $373,122 at 4% or $248,748 at 6%; with 50% employer match about $248,748 at 4% or $165,832 at 6%; with 100% employer match about $186,561 at 4% or $124,374 at 6%.
200817$155,334$87,769$12,538iApproximate average salary by contribution assumption: employee only about $313,461 at 4% or $208,974 at 6%; with 50% employer match about $208,974 at 4% or $139,316 at 6%; with 100% employer match about $156,730 at 4% or $104,487 at 6%.
Howell Financial Services Inc. 401(K) Plan-7$155,334$87,769$12,538iApproximate average salary by contribution assumption: employee only about $313,461 at 4% or $208,974 at 6%; with 50% employer match about $208,974 at 4% or $139,316 at 6%; with 100% employer match about $156,730 at 4% or $104,487 at 6%.
200717$131,220$76,068$10,867iApproximate average salary by contribution assumption: employee only about $271,671 at 4% or $181,114 at 6%; with 50% employer match about $181,114 at 4% or $120,743 at 6%; with 100% employer match about $135,836 at 4% or $90,557 at 6%.
Howell Financial Services Inc. 401(K) Plan-7$131,220$76,068$10,867iApproximate average salary by contribution assumption: employee only about $271,671 at 4% or $181,114 at 6%; with 50% employer match about $181,114 at 4% or $120,743 at 6%; with 100% employer match about $135,836 at 4% or $90,557 at 6%.
200616$50,266$47,589$7,932iApproximate average salary by contribution assumption: employee only about $198,288 at 4% or $132,192 at 6%; with 50% employer match about $132,192 at 4% or $88,128 at 6%; with 100% employer match about $99,144 at 4% or $66,096 at 6%.
Howell Financial Services Inc. 401(K) Plan-6$50,266$47,589$7,932iApproximate average salary by contribution assumption: employee only about $198,288 at 4% or $132,192 at 6%; with 50% employer match about $132,192 at 4% or $88,128 at 6%; with 100% employer match about $99,144 at 4% or $66,096 at 6%.