Retirement plan

SPIRE EMPLOYEE SAVINGS PLAN

Name: SPIRE SERVICES INC. - SPIRE EMPLOYEE SAVINGS PLAN (2017) 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 2017

700 MARKET STREET 4TH FLOOR - ST. LOUIS, MO 631011829314-342-0739

Prospect flagsLow employer contributionLow participant contribution

How to read this page

Total assets (EOY)

$649.6M

+8.0% from 2018

Total participants

3,657

-4.1% from 2018

Average account balance

$186,283

+12.2% from 2018

Annual return

350.91%

+354.48 pp from 2018

Benchmarks

See 67 peers

Peer group

Industry22 - Utilities

Plan typeDefined contribution

Participants1,000-4,999

Cohort67 peers

Snapshot2017

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

Analytics

Total assets (EOY)

Plan-year ending balance

$688.64M

Not enough data

1 years with asset history on file

Average account balance

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

$174K

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.

3,957

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.

98.3%

Not enough data

1 years with eligibility data

Contributions (total)

Employer and participant dollars contributed each year

$47.74M

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

+14.54%

Not enough data

1 years with return on file

Admin fee / account holder

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

$57

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 1 by compensation

Provider	Service type	Compensation
FIDELITY INVESTMENTS INSTITUTIONAL1+ years Filed as: FIDELITY INVESTMENT INST. OPS. CO Service code 37 · EIN 04-2647786	Loan Processing	$37,211

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

2 tripped

OpportunityLow participant contribution
Participant contribution per participant is in the bottom quintile of the peer cohort.
OpportunityLow employer contribution
Employer contribution per participant is in the bottom quintile of the peer cohort.

Expense breakdown

Schedule H Part II

Admin total

$38K

$12 / participant

Investment mgmt$5581.5%
Other / not subdivided$37K98.5%

% of EOY assets

0.006%

all-in expense ratio

Categories reported

1 / 9

subdivided buckets used

Audit opinion

Schedule H Part III

Unqualified opinion

Auditor signed off without reservation - the cleanest possible opinion.

Auditor firm: BKD LLP
Auditor EIN: 440160260
Audit fees: (not subdivided)
Opinion code: Unqualified

Metric

This plan

Peer set

Industry

Size

Avg account balance

$186,283

$159,202+17.0%

$97,995+90.1%

$77,958+139.0%

Participation rate

94.9%

91.5%+3.4pp

82.4%+12.5pp

71.6%+23.2pp

Annual return

350.91%

28.47%+322.4pp

23.94%+327.0pp

20.87%+330.0pp

Employer contribution / active EE

$919

$4,224-78.2%

$4,158-77.9%

$2,310-60.2%

Participant deferral / active EE

$1,741

$7,461-76.7%

$5,097-65.8%

$3,537-50.8%

Admin fee / account holder

$11

$83-86.8%

$5,943-99.8%

$97-88.8%

Provider

Service type

Compensation

FIDELITY INVESTMENTS INSTITUTIONAL1+ years

Filed as: FIDELITY INVESTMENT INST. OPS. CO

Service code 37 · EIN 04-2647786

Loan Processing

$37,211

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