Retirement plan

SPIRE EMPLOYEE SAVINGS PLAN

Name: SPIRE SERVICES INC. - SPIRE EMPLOYEE SAVINGS PLAN (2019) 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 2019

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

Prospect flagsLow returns

How to read this page

Total assets (EOY)

$707.4M

+8.0% from 2018

Total participants

3,979

-4.1% from 2018

Average account balance

$186,120

+12.2% from 2018

Annual return

20.72%

+354.48 pp from 2018

Benchmarks

See 63 peers

Peer group

Industry22 - Utilities

Plan typeDefined contribution

Participants1,000-4,999

Cohort63 peers

Snapshot2019

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 2 by compensation

Provider	Service type	Compensation
FIDELITY INVESTMENTS INSTITUTIONAL3+ years Filed as: FIDELITY INVESTMENT INST. OPS. CO Service code 37 · EIN 04-2647786	Loan Processing	$91,989
STRATEGIC ADVISORS, INC.2 years Service code 27 · EIN 04-2654524	Advisory (Plan)	$65,962

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

1 tripped

OpportunityLow returns
Annual investment return is in the bottom quintile of the peer cohort.

Expense breakdown

Schedule H Part II

Admin total

$158K

$44 / participant

Investment mgmt$66K41.6%
Other / not subdivided$93K58.4%

% of EOY assets

0.022%

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

$186,120

$168,477+10.5%

$105,387+76.6%

$77,775+139.3%

Participation rate

95.0%

91.6%+3.4pp

82.6%+12.5pp

73.2%+21.8pp

Annual return

20.72%

25.62%-4.9pp

26.82%-6.1pp

32.58%-11.9pp

Employer contribution / active EE

$3,915

$4,957-21.0%

$4,213-7.1%

$2,504+56.4%

Participant deferral / active EE

$7,109

$8,141-12.7%

$5,502+29.2%

$3,966+79.3%

Admin fee / account holder

$42

$103-59.3%

$6,559-99.4%

$100-58.3%

Provider

Service type

Compensation

FIDELITY INVESTMENTS INSTITUTIONAL3+ years

Filed as: FIDELITY INVESTMENT INST. OPS. CO

Service code 37 · EIN 04-2647786

Loan Processing

$91,989

STRATEGIC ADVISORS, INC.2 years

Service code 27 · EIN 04-2654524

Advisory (Plan)

$65,962

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