Retirement plan

SPIRE EMPLOYEE SAVINGS PLAN

Name: SPIRE SERVICES INC. - SPIRE EMPLOYEE SAVINGS PLAN (2025) Form 5500
Creator: SPIRE SERVICES INC.
License: https://www.dol.gov/general/disclaim
Keywords: Form 5500, ERISA, retirement plan, SPIRE EMPLOYEE SAVINGS PLAN, SPIRE SERVICES INC.

SPIRE SERVICES INC.EIN 47-4582725Plan #009PY 2025

700 MARKET STREET 5TH FLOOR - ST. LOUIS, MO 631011829314-342-0739

Prospect flagsNo flags tripped

How to read this page

Total assets (EOY)

$777M

+12.8% from 2024

Total participants

4,063

+1.1% from 2024

Average account balance

$197,456

+13.5% from 2024

Annual return

17.00%

+2.45 pp from 2024

Benchmarks

See 924 peers

Peer group

Industryany (size+type match)

Plan typeDefined contribution

Participants1,000-4,999

Cohort924 peers

Snapshot2025

Free accounts unlock saves, downloads, and 3-year history.

Analytics

Total assets (EOY)

Plan-year ending balance

$776.99M

Not enough data

1 years with asset history on file

Average account balance

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

$197K

Not enough data

1 years with per-participant data

Participants with account balance

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

3,935

Not enough data

1 years with headcount on file

Eligible Participants and Participation

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

96.4%

Not enough data

1 years with eligibility data

Contributions (total)

Employer and participant dollars contributed each year

$48.40M

Not enough data

1 years with contributions on file

Contributions per participant

Average employer and participant contribution per enrolled participant

$14K

Not enough data

1 years with per-participant contribution data

Asset flow

BOY + contributions + return - distributions = EOY

Year

Annual return

Diverging bars; negative years highlighted

+17.00%

Not enough data

1 years with return on file

Admin fee / account holder

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

$63

Not enough data

1 years with admin cost on file

Asset composition

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

Not enough data

1 years with F_SCH_H allocation on file

Free accounts unlock saves, downloads, and 3-year history.

Service providers

Top 3 by compensation

Provider	Service type	Compensation
STRATEGIC ADVISORS, INC.8 years Service code 27 · EIN 04-2654524	Advisory (Plan)	$126,888
FIDELITY INVESTMENTS INSTITUTIONAL9+ years Filed as: FIDELITY INVESTMENT INST. OPS. CO Service code 37 · EIN 04-2647786	Loan Processing	$121,125
FID INV INST OPS CO2 years Service code 60	Sub-TA Fees	$0

Plan features & details

Pension benefit codes2F2G2J2O

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).
2G
Total participant-directed account plan
Participants have the opportunity to direct the investment of all 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.
2O
ESOP other than a leveraged ESOP
Employee stock ownership plan that is not leveraged.

Opportunity flags

0 tripped

No flags tripped for this filing year. This plan looks clean.

Expense breakdown

Schedule H Part II

Admin total

$247K

$70 / participant

Recordkeeping$120K48.6%
Investment mgmt$127K51.4%

% of EOY assets

0.032%

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: FORVIS MAZARS, LLP
Auditor EIN: 440160260
Audit fees: (not subdivided)
Opinion code: Unqualified

Metric

This plan

Peer set

Industry

Size

Avg account balance

$197,456

$100,573+96.3%

$97,411+102.7%

$100,573+96.3%

Participation rate

96.4%

70.9%+25.4pp

80.4%+16.0pp

70.9%+25.4pp

Annual return

17.00%

18.89%-1.9pp

34.72%-17.7pp

18.89%-1.9pp

Employer contribution / active EE

$4,711

$3,763+25.2%

$4,210+11.9%

$3,763+25.2%

Participant deferral / active EE

$9,019

$4,921+83.3%

$5,886+53.2%

$4,921+83.3%

Admin fee / account holder

$63

$454-86.2%

$7,145-99.1%

$454-86.2%

Provider

Service type

Compensation

STRATEGIC ADVISORS, INC.8 years

Service code 27 · EIN 04-2654524

Advisory (Plan)

$126,888

FIDELITY INVESTMENTS INSTITUTIONAL9+ years

Filed as: FIDELITY INVESTMENT INST. OPS. CO

Service code 37 · EIN 04-2647786

Loan Processing

$121,125

FID INV INST OPS CO2 years

Service code 60

Sub-TA Fees

SPIRE EMPLOYEE SAVINGS PLAN

Summary metrics

Benchmarksi

Analytics

Service providersi

Plan features & details

Opportunity flagsi

Expense breakdowni

Audit opinioni

SPIRE EMPLOYEE SAVINGS PLAN

Summary metrics

Benchmarksi

Analytics

Service providersi

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