Retirement plan

AMEREN CORPORATION SAVINGS INVESTMENT PLAN

Name: AMEREN CORPORATION - AMEREN CORPORATION SAVINGS INVESTMENT PLAN (2017) Form 5500
Creator: AMEREN CORPORATION
License: https://www.dol.gov/general/disclaim
Keywords: Form 5500, ERISA, retirement plan, AMEREN CORPORATION SAVINGS INVESTMENT PLAN, AMEREN CORPORATION

AMEREN CORPORATIONEIN 43-1723446Plan #003PY 2017

PO BOX 66149, MC 533 - ST. LOUIS, MO 63166314-554-2565ameren.comLinkedIn5001-10000 employeesutilities

Other plans on this EIN

1 filing

#005Retirement-$4.45B assets

Prospect flagsHigh fees

How to read this page

Total assets (EOY)

$2451.3M

-7.6% from 2016

Total participants

10,576

+0.1% from 2016

Average account balance

$238,087

-8.2% from 2016

Annual return

16.88%

-9.64 pp from 2016

Benchmarks

See 1,075 peers

Peer group

Industryany (size+type match)

Plan typeDefined contribution

Participants5,000-9,999

Cohort1,075 peers

Snapshot2017

Participant deferral / active EE

$9,887

median $3,253

Employer contribution / active EE

$3,490

median $1,782

Participation rate

96.8%

median 89.1%

Avg account balance

$238,087

median $54,463

Admin fee / account holder

$363

median $50

Annual return

16.88%

median 17.75%

Overall peer rank

61of 100

61st percentileavg across 6 metrics

Analytics

2015 - 2024

Total assets (EOY)

Plan-year ending balance

$3.21B

Average account balance

Total assets / participants with a balance (line 6g)

$278K

Participants with account balance

Stacked by status: active / separated vested / retired or beneficiary. Total = line 6g.

11,535

Eligible Participants and Participation

Bars: eligible actives (line 6a). Line: derived rate = active employees with a balance / 6a.

98.6%

Contributions (total)

Employer and participant dollars contributed each year

$175.26M

Contributions per participant

Average employer and participant contribution per enrolled participant

$19K

Asset flow

BOY + contributions + return - distributions = EOY

Year

Annual return

Diverging bars; negative years highlighted

+14.64%

Admin fee / account holder

Total admin expenses / participants with a balance (line 6g)

$304

Asset composition

Cash / stocks / bonds / mutual funds / real estate / loans over time

Mutual / pooled
Stocks
Bonds
Cash
Real estate
Loans

Service providers

Top 8 by compensation

Provider	Service type	Compensation
FIDELITY INVESTMENTS INSTITUTIONAL1 year Filed as: FIDELITY INVESTMENTS INSTL OPS Service code 64 · EIN 04-2647786	Recordkeeping Fees	$908,576
FINANCIAL ENGINES3+ years Filed as: FINANCIAL ENGINES, INC. Service code 26 · EIN 94-3250323	Advisory (Participants)	$865,259
WELLS FARGO BANK, N.A.3+ years Filed as: GALLIARD CAPITAL MANAGEMENT, INC. Service code 51 · EIN 41-1813702	Investment Mgmt Fees	$399,541
LYRICAL ASSET MANAGEMENT2 years Filed as: LYRICAL ASSET MGMT Service code 51 · EIN 37-1572793	Investment Mgmt Fees	$397,813
WILLIAM BLAIR2 years Filed as: WILLIAM BLAIR INVESTMENT MGMT LLC Service code 51 · EIN 47-2614791	Investment Mgmt Fees	$382,186
PGIM INVESTMENTS3+ years Filed as: JENNISON ASSOCIATES LLC Service code 51 · EIN 22-2540245	Investment Mgmt Fees	$343,738
COLUMBUS CIRCLE INVESTORS3+ years Service code 51 · EIN 06-1404803	Investment Mgmt Fees	$324,441
NUVEEN3+ years Filed as: NUVEEN ASSET MANAGEMENT Service code 28 · EIN 27-4357327	Investment Management	$104,975

Reportable transactions (Schedule G)

1 row

Counterparties on defaulted loans (Part 1), defaulted leases (Part 2), and non-exempt prohibited transactions (Part 3). Presence of any row warrants fiduciary review.

Category	Counterparty	Relationship / Terms	Address	Amount
Part 3 Non-exempt transaction	FIDELITY INVESTMENTS INSTL OPS	SERVICE PROVIDER EXCESS COMPENSATION PAID FOR RECORDKEEPING SERVICES FOR 2017 PLAN YEAR WAS 173,447 DOLLARS - VFCP FILED.	—	—

Plan features & details

Pension benefit codes2F2H2J2K2O3H3I

Plan features

2F
ERISA section 404(c) plan
This plan or any part of it is intended to meet the conditions of 29 CFR 2550.404c-1 (shifting investment responsibility to participants).
2H
Partial participant-directed account plan
Participants have the opportunity to direct the investment of a portion of the assets allocated to their individual accounts regardless of whether 29 CFR 2550.404c-1 is intended to be met.
2J
Code section 401(k) feature
Cash or deferred arrangement described in Code section 401(k) that is part of a qualified defined contribution plan under which employees may elect to defer part of their compensation or receive these amounts in cash.
2K
Code section 401(m) arrangement
Employee contributions are allocated to separate accounts under the plan or employer contributions are based in whole or in part on employee deferrals or contributions to the plan. Not applicable to 401(k) plans with only QNECs and/or QMACs or to 403(b)(1) 403(b)(7) or 408 arrangements.
2O
ESOP other than a leveraged ESOP
Employee stock ownership plan that is not leveraged.
3H
Controlled group member
Plan sponsor(s) is (are) a member(s) of a controlled group (Code sections 414(b) (c) or (m)).
3I
Employer securities investment required
Plan requiring that all or part of employer contributions be invested and held at least for a limited period in employer securities.

Opportunity flags

1 tripped

OpportunityHigh fees
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)

Expense breakdown

Schedule H Part II

Admin total

$3.7M

$432 / participant

Investment mgmt$3M74.3%
Contract admin$917K24.5%
Other / not subdivided$45K1.2%

% of EOY assets

0.152%

all-in expense ratio

Categories reported

2 / 9

subdivided buckets used

Audit opinion

Schedule H Part III

Unqualified opinion

Auditor signed off without reservation - the cleanest possible opinion.

Auditor firm: CROWE LLP
Auditor EIN: 350921680
Audit fees: (not subdivided)
Opinion code: Unqualified

Metric

This plan

Peer set

Industry

Size

Avg account balance

$238,087

$177,276+34.3%

$97,995+143.0%

$177,276+34.3%

Participation rate

96.8%

74.8%+21.9pp

82.4%+14.4pp

74.8%+21.9pp

Annual return

16.88%

21.25%-4.4pp

23.94%-7.1pp

21.25%-4.4pp

Employer contribution / active EE

$3,490

$2,479+40.8%

$4,158-16.1%

$2,479+40.8%

Participant deferral / active EE

$9,887

$3,881+154.8%

$5,097+94.0%

$3,881+154.8%

Admin fee / account holder

$363

$154+135.5%

$5,943-93.9%

$154+135.5%

Provider

Service type

Compensation

FIDELITY INVESTMENTS INSTITUTIONAL1 year

Filed as: FIDELITY INVESTMENTS INSTL OPS

Service code 64 · EIN 04-2647786

Recordkeeping Fees

$908,576

FINANCIAL ENGINES3+ years

Filed as: FINANCIAL ENGINES, INC.

Service code 26 · EIN 94-3250323

Advisory (Participants)

$865,259

WELLS FARGO BANK, N.A.3+ years

Filed as: GALLIARD CAPITAL MANAGEMENT, INC.

Service code 51 · EIN 41-1813702

Investment Mgmt Fees

$399,541

LYRICAL ASSET MANAGEMENT2 years

Filed as: LYRICAL ASSET MGMT

Service code 51 · EIN 37-1572793

Investment Mgmt Fees

$397,813

WILLIAM BLAIR2 years

Filed as: WILLIAM BLAIR INVESTMENT MGMT LLC

Service code 51 · EIN 47-2614791

Investment Mgmt Fees

$382,186

PGIM INVESTMENTS3+ years

Filed as: JENNISON ASSOCIATES LLC

Service code 51 · EIN 22-2540245

Investment Mgmt Fees

$343,738

COLUMBUS CIRCLE INVESTORS3+ years

Service code 51 · EIN 06-1404803

Investment Mgmt Fees

$324,441

NUVEEN3+ years

Filed as: NUVEEN ASSET MANAGEMENT

Service code 28 · EIN 27-4357327

Investment Management

$104,975

AMEREN CORPORATION SAVINGS INVESTMENT PLAN

Summary metrics

Benchmarksi

Analytics

Service providersi

Reportable transactions (Schedule G)

Plan features & details

Opportunity flagsi

Expense breakdowni

Audit opinioni

AMEREN CORPORATION SAVINGS INVESTMENT PLAN

Summary metrics

Benchmarksi

Analytics

Service providersi

Reportable transactions (Schedule G)

Plan features & details

Opportunity flagsi

Expense breakdowni

Audit opinioni

Benchmarks

Service providers

Opportunity flags

Expense breakdown

Audit opinion

Benchmarks

Service providers

Opportunity flags

Expense breakdown

Audit opinion