401(k) · DOL Form 5500 · 2022

Spero Financial Federal Credit Union 401(k) Plan

Data updated 2026-08-25

$16M
Total assets Small plan by assets
142
Participants Small participant base
74th
Percentile by assets National rank
$112,666
Avg per participant Below avg balance/head
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Official DOL plan name: Spero Financial Federal Credit Union 401(k)/Profit Sharing Plan · Sponsored by Spero Financial Federal Credit Union · South Carolina · Finance & Insurance

$16M in assets, 142 participants

Spero Financial Federal Credit Union's Spero Financial Federal Credit Union 401(k)/Profit Sharing Plan reported $16M in total assets and 142 participants in its 2022 DOL Form 5500 filing, ranking in the 74th percentile by assets among filed plans. Figures are as reported by the plan sponsor to the Department of Labor, not audited or endorsed by PlainRetire.

  • #5,457 in Finance & Insurance (9,261 peers)

Coverage in South Carolina

Spero Financial Federal Credit Union 401(k)/Profit Sharing Plan covers 142 participants in South Carolina, about 39% of the average South Carolina filer (state average ~369 per filing). Assets: $16M.

#5,457
in Finance & Insurance (9,261 peers)
-11.4%
assets change YoY

The plan reported a net loss of $2M for the year, a single-year figure driven by markets and benefit payments, not a measure of plan health.

Spero Financial Federal Credit Union 401(k)/Profit Sharing Plan's outsized position by total assets

Spero Financial Federal Credit Union 401(k)/Profit Sharing Plan vs every filed plan by assets

End-of-year total assets · plan year 2022 · DOL Form 5500

$15,998,628 Top 26% higher than 74% of 139,123 filed plans

This plan $0 $2,050,000,000 every filed plan with reported assets, bucketed by value

Dashed line + filled bar = this entry, among filed plans.

Source U.S. Department of Labor Form 5500 filings (EBSA) · plan year 2022

Spero Financial Federal Credit Union 401(k)/Profit Sharing Plan among mid-size filed plans by headcount

Plan-year 2022 Form 5500 filings with a reported participant count, partitioned by headcount band, not by assets. Spero Financial Federal Credit Union 401(k)/Profit Sharing Plan sits mid-pack in the medium band (142 participants).

DOL schedule card

Filing strip 570310635 · Spero Financial Federal Credit Union PY 2022 · 401(k)

Spero Financial Federal Credit Union 401(k)/Profit Sharing Plan · $16M · 142 · 74th

  • PART $16M
  • TYPE 142
  • NET 74th
  • BOOK 401(k)
  • VS-ST near New Castle Building Products 401(k) Plan
  • BOY ind #5457

Stamps derive from this plan's Form 5500 line items (assets, participants, type, EIN, cohort placement) - not a quality rating of the sponsor. Read with Finance & Insurance retirement plans → · Plans in South Carolina →

Spero Financial Federal Credit Union 401(k)/Profit Sharing Plan in the asset neighbourhood

Spero Financial Federal Credit Union 401(k)/Profit Sharing PlanSpero Financial Federal Cred…$16MNew Castle Building Products 401(k) PlanNew Castle Building Products…$16MRogan Shoes, Incorporated 401(k) Profit Sharing Plan & TrustRogan Shoes, Incorporated 40…$16MMueller Associates, Inc. 401(k) PlanMueller Associates, Inc. 401…$16MJoseph Phelps Vineyards 401(k) Profit Sharing PlanJoseph Phelps Vineyards 401(…$16M
End-of-year total assets ($M) among Spero Financial Federal Credit Union 401(k)/Profit Sharing Plan and nearest nationwide 401(k) peers. Source: DOL Form 5500 plan year 2022.

South Carolina filing particulars

Total Assets (Beginning of Year)$18M
Net Assets (End of Year)$16M
Net Income-$2M
Employer EIN570310635
Plan Effective Date1997-01-01
Filing StatusFILING RECEIVED

Sponsor Plan History (Spero Financial Federal Credit Union)

Sponsor-wide plan assets over time

All Spero Financial Federal Credit Union plans reported in each filing year

Latest sponsor-wide plan assets
$23M 41.651752887810126% vs 2022
2024 filing year
$14M$16M$18M$20M$22M$24M 202220232024 $16M $22.7M ▲ +41.6%
Year Plans Participants Total Assets
2022 1 142 $16M
2023 1 148 $20M
2024 1 162 $23M

Nearby 401(k) Plans in South Carolina

Peer 401(k) plans, same state, same plan type, ranked by total assets.

Spero Financial Federal Credit Union 401(k)/Profit Sharing Plan vs. nearby 401(k) plans in South Carolina, assets vs. participants Scatter plot of 6 data points. -5000050001000015000 -101234 Total assets ($B) Participants Spero Financial Federal Credit Union 401(k)/Profit Sharing Plan, Total assets ($B): 0.015998628 · Participants: 142Spero Financial Federal Credit Union 401(k)/Profit Sharing PlanMichelin 401(k) Savings Plan, Total assets ($B): 3.615828322 · Participants: 13708Michelin 401(k) Savings PlanThe Savannah River Nuclear Solutions, LLC Defined Contribution Plan, Total assets ($B): 2.219673264 · Participants: 7829The Savannah River Nuclear Solutions, LLC Defined Contribution PlanSonoco Retirement & Savings Plan, Total assets ($B): 1.214442524 · Participants: 9714Sonoco Retirement & Savings PlanThe Milliken Retirement Plan, Total assets ($B): 1.154082573 · Participants: 6185The Milliken Retirement PlanBlue Cross Blue Shield of Sc Employee Savings and Salary Reduction Plan, Total assets ($B): 1.085276125 · Participants: 11881Blue Cross Blue Shield of Sc Employee Savings and Salary Reduction Plan
Spero Financial Federal Credit Union 401(k)/Profit Sharing Plan vs. nearby 401(k) plans in South Carolina, assets vs. participants
Compare Spero Financial Federal Credit Union 401(k)/Profit Sharing Plan side-by-side with 3 peers →

Spero Financial Federal Credit Union 401(k)/Profit Sharing Plan's out-of-state 401(k) peers by assets and headcount

Outside South Carolina, the nearest 401(k) by assets is New Castle Building Products 401(k) Plan in NY ($16M); by covered participants it is Kent Materials 401(k) in LA (142 participants). Same-state nearby plans are listed separately above.

Similar participant headcount

Nearest other-state filings by covered participants (142 participants); asset peers above are excluded.

DOL Form 5500 plan year 2022. Asset totals can differ widely at the same headcount; neither axis is a quality rating.

Frequently Asked Questions

How did Spero Financial Federal Credit Union 401(k)/Profit Sharing Plan assets move in 2022? ▼
Spero Financial Federal Credit Union 401(k)/Profit Sharing Plan pulled back noticeably - down 11.4% during 2022, from $18M to $16M. Reported net income was -$2M.
How have Spero Financial Federal Credit Union plan assets changed over time? ▼
Across 3 plan years on file (2022-2024), Spero Financial Federal Credit Union's sponsor-wide assets grew 41.7%, from $16M to $23M.
Which 401(k) plans are similar in size to Spero Financial Federal Credit Union 401(k)/Profit Sharing Plan? ▼
Among 401(k) plans in other states, the closest by assets is New Castle Building Products 401(k) Plan in NY ($16M, 291 participants).
Which 401(k) plans cover a similar participant headcount to Spero Financial Federal Credit Union 401(k)/Profit Sharing Plan? ▼
Among 401(k) plans in other states, the closest by covered participants is Kent Materials 401(k) in LA (142 participants, $159K in assets).

Source: U.S. Department of Labor, Employee Benefits Security Administration (EBSA), Form 5500 public disclosure dataset. Plan year 2022.

Source: DOL EFAST2 filing system (efast.dol.gov) - original filing retrieval by EIN 570310635.

Read our methodology - how this data is sourced, computed, and verified.

Data sourced from U.S. Department of Labor Form 5500 filings (EBSA). See our methodology for details.