Spire Services 401(k) match, vesting and fees
What Spire Services' 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 Investment Inst. Ops. Co | Schedule C ↗ |
| Independent auditor | Forvis Mazars, LLP (unmodified opinion) | Schedule H ↗ |
| Plan type and status | 401(k) · Active | Form 5500 ↗ |
How the plan compares
Plan year 2025 medians for 25 defined-contribution plans in utilities with 1,000 to 4,999 participants.
| Spire Services: employer contribution per participant | $4,220 | |
| Peer median | $7,217 |
| Spire Services: average balance | $197,456 | |
| Peer median | $246,482 |
| Spire Services: admin expenses ÷ assets | 0.03% | |
| Peer median | 0.05% |
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 $750M at the end of plan year 2021 to $777M at the end of plan year 2025.
| Plan year | Participants | Assets | Employer contributions | Per participant | Admin expense ratio | Match formula | Filing |
|---|---|---|---|---|---|---|---|
| 2025 | 4,063 | $777M | $16.6M | $4,220 | 0.03% | Not published | Form 5500 ↗ |
| 2024 | 4,017 | $689M | $16.5M | $4,180 | 0.03% | Not published | Form 5500 ↗ |
| 2023 | 4,113 | $639M | $15.7M | $3,881 | 0.03% | Not published | Form 5500 ↗ |
| 2022 | 4,151 | $568M | $15.3M | $3,782 | 0.03% | Not published | Form 5500 ↗ |
| 2021 | 4,202 | $750M | $15.3M | $3,717 | 0.03% | Not published | Form 5500 ↗ |
Common questions
Does Spire Services match 401(k) contributions?
The match terms for the Spire Employee Savings Plan have not been published from its filing yet. The plan year 2025 filing reports $16.6M in employer contributions, about $4,220 per participant. That total includes any match and profit-sharing; it is not a match formula.
When is the Spire Services 401(k) match vested?
The vesting schedule for the Spire Employee Savings Plan is not in the data published so far. Your Summary Plan Description states it.
Who manages the Spire Services 401(k)?
The recordkeeper listed on Schedule C of the plan year 2025 filing is Fidelity Investment Inst. Ops. Co. The plan administrator is Spire Services Inc..
I left Spire Services. How do I find my old 401(k)?
Your account stays in the plan until you move it. Contact the plan administrator (Spire Services Inc., (314) 342-0739) or the recordkeeper, Fidelity Investment Inst. Ops. Co. The Spire Services old 401(k) page lists the contacts from every plan filing. Find an old Spire Services 401(k)
Data from the public Form 5500 annual reports Spire Services 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 Spire Services. Not financial advice. Report a correction · Methodology