SPS North America 401(k) match, vesting and fees
What SPS North America'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 | Principal Life Insurance Company | Schedule C ↗ |
| Independent auditor | Trailbreaker Accounting PLLC (unmodified opinion, limited scope) | Schedule H ↗ |
| Plan type and status | 401(k) · Active | Form 5500 ↗ |
| Late participant contributions | Reported on the filing | Schedule H ↗ |
How the plan compares
Plan year 2025 medians for 54 defined-contribution plans in administrative, support and waste management services with 1,000 to 4,999 participants.
| SPS North America: employer contribution per participant | $988 | |
| Peer median | $1,013 |
| SPS North America: average balance | $18,551 | |
| Peer median | $39,026 |
| SPS North America: admin expenses ÷ assets | 1.28% | |
| Peer median | 0.33% |
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 $30.4M at the end of plan year 2021 to $54.2M at the end of plan year 2025.
| Plan year | Participants | Assets | Employer contributions | Per participant | Admin expense ratio | Match formula | Filing |
|---|---|---|---|---|---|---|---|
| 2025 | 3,504 | $54.2M | $2.9M | $988 | 1.28% | Not published | Form 5500 ↗ |
| 2024 | 3,555 | $43.1M | $2.3M | $769 | 1.54% | Not published | Form 5500 ↗ |
| 2023 | 3,247 | $36.8M | $2.2M | $828 | 1.33% | Not published | Form 5500 ↗ |
| 2022 | 2,768 | $28.2M | $2M | $875 | 1.24% | Not published | Form 5500 ↗ |
| 2021 | 2,570 | $30.4M | $1.4M | $615 | 1.27% | Not published | Form 5500 ↗ |
Common questions
Does SPS North America match 401(k) contributions?
The match terms for the Sps North America Inc. 401k Plan have not been published from its filing yet. The plan year 2025 filing reports $2.9M in employer contributions, about $988 per participant. That total includes any match and profit-sharing; it is not a match formula.
When is the SPS North America 401(k) match vested?
The vesting schedule for the Sps North America Inc. 401k Plan is not in the data published so far. Your Summary Plan Description states it.
Who manages the SPS North America 401(k)?
The recordkeeper listed on Schedule C of the plan year 2025 filing is Principal Life Insurance Company. The plan administrator is Side by Side Financials, Inc..
I left SPS North America. How do I find my old 401(k)?
Your account stays in the plan until you move it. Contact the plan administrator (Side by Side Financials, Inc., (212) 564-2464) or the recordkeeper, Principal Life Insurance Company. The SPS North America old 401(k) page lists the contacts from every plan filing. Find an old SPS North America 401(k)
Data from the public Form 5500 annual reports SPS North America 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 SPS North America. Not financial advice. Report a correction · Methodology