Ameren 401(k) match, vesting and fees
What Ameren's 401(k) plan says about matching contributions
Plan features
Match, vesting and enrollment details have not been published from this plan's audit report yet. The figures below come from the structured filing.
| Recordkeeper | Fidelity Investments Institutional | Schedule C ↗ |
| Independent auditor | Crowe LLP (unmodified opinion) | Schedule H ↗ |
| Plan type and status | 401(k) · Active | Form 5500 ↗ |
How the plan compares
Plan year 2024 medians for 26 defined-contribution plans in utilities with 10,000 to 49,999 participants.
| Ameren: employer contribution per participant | $4,218 | |
| Peer median | $4,320 |
| Ameren: average balance | $277,553 | |
| Peer median | $255,382 |
| Ameren: admin expenses ÷ assets | 0.11% | |
| Peer median | 0.07% |
Admin expenses are the plan's reported administrative expenses divided by its assets; they do not include fund expense ratios.
Plan history
Plan assets went from $3B at the end of plan year 2023 to $3.2B at the end of plan year 2024.
| Plan year | Participants | Assets | Employer contributions | Per participant | Admin expense ratio | Match formula | Filing |
|---|---|---|---|---|---|---|---|
| 2024 | 11,661 | $3.2B | $48.7M | $4,218 | 0.11% | Not published | Form 5500 ↗ |
| 2023 | 15,203 | $3B | $55M | $3,653 | 0.12% | Not published | Form 5500 ↗ |
Other Ameren plans (1)
Each plan files its own Form 5500. Figures are from each plan's latest filing.
Ameren Retirement Plan
Plan features
Match, vesting and enrollment details have not been published from this plan's audit report yet. The figures below come from the structured filing.
| Independent auditor | Crowe LLP (unmodified opinion) | Schedule H ↗ |
| Plan type and status | Pension (defined benefit) · Active | Form 5500 ↗ |
Common questions
Does Ameren match 401(k) contributions?
The match terms for the Ameren Corporation Savings Investment Plan have not been published from its filing yet. The plan year 2024 filing reports $48.7M in employer contributions, about $4,218 per participant. That total includes any match and profit-sharing; it is not a match formula.
When is the Ameren 401(k) match vested?
The vesting schedule for the Ameren Corporation Savings Investment Plan is not in the data published so far. Your Summary Plan Description states it.
Who manages the Ameren 401(k)?
The recordkeeper listed on Schedule C of the plan year 2024 filing is Fidelity Investments Institutional. The plan administrator is Ameren Administrative Committee.
I left Ameren. How do I find my old 401(k)?
Your account stays in the plan until you move it. Contact the plan administrator (Ameren Administrative Committee, (314) 554-2565) or the recordkeeper, Fidelity Investments Institutional. The Ameren old 401(k) page lists the contacts from every plan filing. Find an old Ameren 401(k)
Data from the public Form 5500 annual reports Ameren filed with the U.S. Department of Labor (plan years 2023 and 2024) and, where noted, the attached independent auditor's report. Plan terms may have changed since the filing; check your current Summary Plan Description. PlanFacts is not affiliated with Ameren. Not financial advice. Report a correction · Methodology