Missouri › Utilities › 1,000 to 4,999 participants
Form 5500 statement · plan year 1 Jan 2025 to 31 Dec 2025
Spire Employee Savings Plan
Sponsored by Spire Services Inc., St. Louis, MO
Form 5500 information is as filed by the plan administrator with the Department of Labor and may be amended. Figures reflect the plan year shown, not current balances. Form 5500 contains no individual account balances. Look up the original filing at EFAST2.
Spire Services Inc. of St. Louis, Missouri sponsors Spire Employee Savings Plan, an ESOP with a 401(k) feature. Its Form 5500 for the plan year ending 31 Dec 2025 shows 4,063 participants (3,525 active) and $777M in net assets.
Net assets came to $171,431 per participant in plan year 2024, well above the $50,295 median for defined contribution plans with 1,000 to 4,999 participants and above the $137,166 median for defined contribution plans in utilities. The figure is an average across everyone in the plan, including former employees with small balances; Form 5500 holds no individual account data.
The employer contributed $16.6M during the year, or $4,711 per active participant against a same-size median of $2,045; participants contributed $31.8M and $1.0M arrived as rollovers and other contributions. Benefits paid out totalled $77.1M.
Schedule C lists 2 service provider organisations paid $5,000 or more, with reported compensation of $248K: $61.04 per participant, well below the same-size median of $82.08. Administrative expenses charged to the plan were $247K. Schedule C does not capture every cost: fees netted from fund returns and fees the employer pays directly are outside it.
Across the filings on record, net assets went from $650M in 2017 to $777M in 2025 (up 20%), and participants from 3,657 to 4,063 (up 11%).
The independent accountant's opinion on the financial statements was unmodified (unqualified).
Compared with similar plans
| Measure, plan year 2024 | This plan | Same size | Same industry | All US DC plans |
|---|---|---|---|---|
| Net assets per participant | $171,431 | $50,295 | $137,166 | $53,102 |
| Employer contributions per active participant | $4,781 | $2,045 | $5,334 | $2,175 |
| Schedule C compensation per participant | $51.18 | $82.08 | $145 | $123 |
| Schedule C compensation, share of net assets | 0.03% | 0.17% | 0.12% | 0.26% |
| Administrative expenses per participant | $56.06 | $82.20 | $139 | $116 |
Peer columns are medians for plan year 2024 across defined contribution plans with 100 or more participants: 1,000 to 4,999 participants (10,207 plans), utilities (393) and all US plans (63,460). Fee medians cover plans that report an amount.
Trend by plan year
| Plan year | Participants | Net assets | Per participant | Employer contributions | Participant contributions | Schedule C compensation |
|---|---|---|---|---|---|---|
| 2025 | 4,063 | $777M | $191,235 | $16.6M | $31.8M | $248K |
| 2024 | 4,017 | $689M | $171,431 | $16.5M | $31.2M | $206K |
| 2023 | 4,113 | $639M | $155,404 | $15.7M | $28.8M | $183K |
| 2022 | 4,151 | $568M | $136,847 | $15.3M | $28.6M | $182K |
| 2021 | 4,202 | $750M | $178,592 | $15.3M | $28.5M | $208K |
| 2020 | 4,070 | $703M | $172,774 | $14.5M | $26.5M | $147K |
| 2019 | 3,979 | $707M | $177,793 | $14.1M | $25.5M | $158K |
| 2018 | 3,812 | $601M | $157,785 | $12.6M | $22.7M | $150K |
| 2017 | 3,657 | $650M | $177,623 | $3.0M | $5.8M | $37K |
Years in which the plan filed the full Form 5500 with 100 or more participants, from 2009. Plan year is the year in which the plan year began.
Statement for the year
- Net assets, beginning of year$688,640,088
- Employer contributions$16,606,618
- Participant contributions$31,790,254
- Rollovers and other contributions$1,035,921
- Total contributions$49,432,793
- Total income, including investment results$165,709,739
- Benefits paid$77,105,437
- Administrative expenses$247,055
- Total expenses$77,360,547
- Net income$88,349,192
- Net transfers$0
- Net assets, end of year$776,989,280
Participants
- Active participants3,525
- Retired or separated, receiving benefits15
- Retired or separated, entitled to future benefits513
- Participants with account balances3,935
- Total participants, end of year4,063
Fees and service providers
| Organisation | Services reported | Direct | Indirect |
|---|---|---|---|
| Strategic Advisors, Inc. | Investment advisory (plan) | $126,888 | $0 |
| Fidelity Investment Inst. Ops. Co. | Participant loan processing | $121,125 | $0 |
Schedule C, Part I line 2: providers that received $5,000 or more, with the form's own service codes. Individuals named on Schedule C (plan employees, individual trustees) are never shown and their compensation is excluded. Eligible indirect compensation disclosed by formula carries no dollar amount. See how to read Schedule C fees.
Administrative expenses on Schedule H
- Investment advisory and management fees$126,887
- Recordkeeping fees$120,168
- Total administrative expenses$247,055
Investment structure
Assets at year end by Schedule H category. The form shows the kind of vehicle holding the money, not the funds on the menu.
- Common/collective trusts$567M · 73.0%
- Registered investment companies (mutual funds)$128M · 16.5%
- Employer securities$54.8M · 7.1%
- Participant loans$15.6M · 2.0%
- Other investments$9.5M · 1.2%
- Receivables$1.3M · 0.2%
- Cash (interest and non-interest bearing)$20K · 0.0%
Audit and compliance answers, as filed
- Accountant's opinionUnmodified (unqualified)
- Audit scope limited under ERISA section 103(a)(3)(C)No
- Accounting firmForvis Mazars, LLP
- Participant contributions reported as transmitted lateNo
- Covered by a fidelity bondYes, $10,000,000
- Blackout period during the yearNo
These are the plan administrator's own answers on Schedule H, Part IV. A reported late transmittal is the filer's disclosure of a timing lapse, usually corrected through the Department of Labor's voluntary program; the amount is the total involved, not a loss.
Plan characteristics
2FERISA section 404(c) plan2GTotal participant-directed account plan2JCode section 401(k) feature2OESOP other than a leveraged ESOP
Codes entered on Form 5500 line 8a, with the labels from the official instructions. Business code 221210: Natural Gas Distribution.
Similar plans in Missouri
| Plan | Sponsor | Participants | Net assets | Per participant |
|---|---|---|---|---|
| Evergy, Inc. 401(k) Savings Plan | Evergy, Inc. | 5,937 | $1.69B | $284,963 |
| Agilix Solutions, LLC Profit Sharing Plan | Agilix Solutions, LLC | 472 | $60.3M | $127,758 |
| Ameren Corporation Savings Investment Plan | Ameren Corporation | 11,661 | $3.20B | $274,554 |
| Weg Transformers USA, LLC 401(k) Plan | Weg Transformers USA, LLC | 235 | $15.9M | $67,804 |
| Water.org 401(k) Plan | Water.org | 101 | — | — |
Defined contribution plans in utilities closest in size.
Questions and answers
How big is Spire Employee Savings Plan?
4,063 participants at the end of the plan year ending 31 Dec 2025, of whom 3,525 were active employees, with net assets of $776,989,280. Among defined contribution plans that places it in the 1,000 to 4,999 participants band, which held 10,207 plans in plan year 2024.
What does Spire Services Inc. contribute per participant?
The filing reports $16,606,618 in employer contributions for the year, which is $4,711 per active participant; the median for plans of the same type and size was $2,045 in plan year 2024. Form 5500 reports the total only. It does not state the match formula, and the per-participant figure is an average, not any one person's contribution.
What fees does the plan pay and how do they compare?
Schedule C reports $248,013 in compensation to service provider organisations, $61.04 per participant or 0.03% of net assets. The same-size median among plans reporting any Schedule C compensation was $82.08 per participant. Administrative expenses on Schedule H were $247,055. Investment costs deducted inside mutual funds and other pooled vehicles are not itemised on Form 5500, so these figures are a floor rather than a full cost.
Who runs the plan?
The sponsor is Spire Services Inc.. Recordkeeping or administration: Fidelity Investment Inst. Ops. Co.. Investment advisory or management: Strategic Advisors, Inc.. The financial statements were audited by Forvis Mazars, LLP. Form 5500 also names the plan administrator's signer and other individuals; this site publishes organisations only.
Was the audit opinion unqualified?
The filing reports an unmodified (unqualified) opinion. Unmodified (formerly "unqualified") is the standard clean opinion.
How current is this, and does it show my balance?
This is the Form 5500 for the plan year 1 Jan 2025 to 31 Dec 2025, received by the Department of Labor on 15 Jul 2026. Filings are due seven months after the plan year ends, or nine and a half with an extension, so the public record always runs a year or more behind. It contains plan-level totals only: no individual balances, contributions or names of participants exist in the data.
Provenance
Source: U.S. Department of Labor, Employee Benefits Security Administration, Form 5500 research files (Form 5500, Schedule H, Schedule C) for plan years 2009 to 2025, public domain, with filings received through 24 Aug 2026. This page shows the latest filing on record for EIN 47-4582725, plan 009, received 15 Jul 2026; an amended filing replaces it at the next build. Medians and percentiles are computed by this site; see the methodology. Report an error through corrections.