SM Energy 401(k) match, vesting and fees
What SM Energy'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 | Bdo USA, P.C. (unmodified opinion, limited scope) | Schedule H ↗ |
| Plan type and status | 401(k) · Active | Form 5500 ↗ |
How the plan compares
Plan year 2025 medians for 19 defined-contribution plans in mining, quarrying, and oil and gas extraction with 500 to 999 participants.
| SM Energy: employer contribution per participant | $9,893 | |
| Peer median | $2,715 |
| SM Energy: average balance | $263,929 | |
| Peer median | $107,654 |
| SM Energy: admin expenses ÷ assets | 0.05% | |
| Peer median | 0.16% |
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 $159M at the end of plan year 2021 to $230M at the end of plan year 2025.
| Plan year | Participants | Assets | Employer contributions | Per participant | Admin expense ratio | Match formula | Filing |
|---|---|---|---|---|---|---|---|
| 2025 | 889 | $230M | $8.6M | $9,893 | 0.05% | Not published | Form 5500 ↗ |
| 2024 | 861 | $190M | $6.8M | $8,901 | 0.03% | Not published | Form 5500 ↗ |
| 2023 | 767 | $164M | $5.8M | $7,729 | 0.05% | Not published | Form 5500 ↗ |
| 2022 | 753 | $138M | $5.7M | $7,788 | 0.06% | Not published | Form 5500 ↗ |
| 2021 | 739 | $159M | $4.4M | $6,081 | 0.10% | Not published | Form 5500 ↗ |
Other SM Energy plans (1)
Each plan files its own Form 5500. Figures are from each plan's latest filing.
Pension Plan for Employees of Sm Energy Company
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 | Bdo USA, P.C. (unmodified opinion, limited scope) | Schedule H ↗ |
| Plan type and status | Pension (defined benefit) · Active | Form 5500 ↗ |
Common questions
Does SM Energy match 401(k) contributions?
The match terms for the Sm Energy Company 401(k) Profit Sharing Plan have not been published from its filing yet. The plan year 2025 filing reports $8.6M in employer contributions, about $9,893 per participant. That total includes any match and profit-sharing; it is not a match formula.
When is the SM Energy 401(k) match vested?
The vesting schedule for the Sm Energy Company 401(k) Profit Sharing Plan is not in the data published so far. Your Summary Plan Description states it.
Who manages the SM Energy 401(k)?
The recordkeeper listed on Schedule C of the plan year 2025 filing is Fidelity Investments Institutional. The plan administrator is Sm Energy Company.
I left SM Energy. How do I find my old 401(k)?
Your account stays in the plan until you move it. Contact the plan administrator (Sm Energy Company, (303) 861-8140) or the recordkeeper, Fidelity Investments Institutional. The SM Energy old 401(k) page lists the contacts from every plan filing. Find an old SM Energy 401(k)
Data from the public Form 5500 annual reports SM Energy filed with the U.S. Department of Labor (plan years 2021 and 2022 and 2023 and 2024 and 2025) 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 SM Energy. Not financial advice. Report a correction · Methodology